Ndalama zotsekera ndizofunikira pakuganizira za kugula nyumba ku Miami kapena South Florida. Ndipotu phunziro la posachedwapa la BankRate.com linawonetsa kuti Miami ali ndi mtengo wachinai wotseka kwambiri wa msika wamalonda kudziko, pafupifupi $ 3,683 mu 2008.
Mitengo Yotseka Miami
Kodi ndi ndalama zotani zomwe mungayembekezere kulipira pogula nyumba ku Miami? Tiyeni tione mbali iliyonse ya zigawozo:
- Zithunzi Zopangira Zolemba (Doc Stamps) pazochita : Ngakhale kuti dzina lawo limakhala losalakwa, timapepala ta doc ndi imodzi mwa ndalama zotsekemera kwambiri zomwe mungakumane nazo. Zimayesedwa panthawi yolemba kusamutsidwa kwanu ndipo ndi $ 0.60 pa $ 100 pa mtengo wamtengo. Taonani kuti mlingo umenewu ndi wa Miami-Dade County okha. Mizinda ina yonse ya ku Florida imapereka ndalama zokwana $ 0.70 pa $ 100.
- Zithunzi Zopangira Zolemba (Doc Stamps) pa Ngongole : Muyeneranso kulipira timapepala ta doc kulemba ngongole kunyumba kwanu. Chiwongoladzanja chimagwiritsa ntchito $ 0.35 pa $ 100 pa ndalama zomwe zimabwereka.
- Ndondomeko Yosayembekezeka Pa Ngongole : Malo anu amakuonetsani ndalama zokwana madola 0.20 pa $ 100 zomwe simungathe kuzigulitsa pa ndalama zomwe mwalitenga pogula katundu wanu
- Malipiro olembera : Werenganinso wa m'deralo adzakulipirani pa tsamba lirilonse la zolemba zomwe mumalemba monga gawo la kugula kwanu pakhomo la $ 10 pa tsamba loyamba ndi $ 8.50 pa tsamba lina lililonse. Yembekezani kuti mupereke mapepala a pakati pa 10-15 monga gawo la kugula kwanu.
- Mutu wa Inshuwalansi : Inshuwalansi ya mutu imakutetezani ku zolakwika mu ndondomeko yoyenera yomwe ingawononge ufulu wanu wa umwini m'tsogolo. Mutu wa inshuwalansi ku Florida umagwira ntchito pamtunda wotsika mtengo malinga ndi mtengo wogula nyumba yanu. Mitengo imayesedwa pa $ 1,000 phindu la nyumba yanu malinga ndi ndandanda yotsatirayi:
- $ 100,000 yoyamba: $ 5.57 pa $ 1,000
- $ 100,000- $ 1,000,000: $ 5.00 pa $ 1,000
- $ 1-5 Miliyoni: $ 2.50 pa $ 1,000
- $ 5- $ 10 Miliyoni: $ 2.25 pa $ 1,000
- Pa $ 10 Miliyoni: $ 2.00 pa $ 1,000
Zina zonse zotseka (monga ndalama zothandizira, malipiro oyendera, ndi malipiro otsogolera) ndizozindikira ndipo zingakambirane ndi wobwereketsa.
Chitsanzo
Tiyerekeze kuti mukugula nyumba ya $ 200,000 ku County Miami-Dade ndi ndalama zokwana madola 180,000. Ndalama zanu zothetsera zonse zidzakhala $ 3,504, ndi zigawo zotsatirazi:
- Deed Doc Stamps: $ 1,200
- Ndondomeko ya Doc Docs: $ 700
- Ngongole Yopanda Ngongole: $ 400
- Malipiro olembera (pa masamba 15): $ 129
- Title Inshuwalansi: $ 1,075
Izi ndizo zigawo zikuluzikulu za kutseka kwa Miami.