Nā kumukūʻai o ke kūʻai ʻana i hale ma ʻAmelika Hui Pū ʻIa

ʻO nā kumukūʻai kūʻai o ʻAmelika Hui Pū ʻIa he mau lula he nui e loli ana ma muli o ka mea hāʻawi kālā a me ka mokuʻāina. No nā mea kūʻai aku i ka makahiki 2026, ʻo kahi ākea o kahi 2% a 5% o ke kumukūʻai kūʻai e ʻōlelo pinepine ʻia no nā kumukūʻai pani, koe naʻe ka uku mua. He kumu hoʻomaka kēlā, ʻaʻole he hōʻoia kālā. Hiki ke emi ke kūʻai kālā me ka ʻole o nā uku mea hāʻawi kālā; hiki ke kiʻekiʻe aʻe kahi moraki e pili ana i nā helu, ke kālā escrow, a me nā kumukūʻai poʻo inoa a hoʻoili paha.

Nā uku a ka mea hāʻawi kālā

ʻO ke kumu, ke kākau inoa ʻana, a i ʻole ka hoʻopili ʻana o nā uku hōʻaiʻē ʻē aʻe he ʻāpana paha o ka moraki. E hoʻohālikelike i nā mea hāʻawi kālā ma APR a me ke kālā e pani ai, ʻaʻole wale ma ka uku paneʻe. ʻO nā kiko hoʻēmi he uku manawaleʻa a i ʻole ka uku huahana e hoʻohaʻahaʻa i ka uku paneʻe.

Loiloi

Ua loiloi ʻia ka waiwai e ka mea hāʻawi kālā. Uku mua ʻia kēia uku a hiki ke waiho ʻia inā ʻaʻole i hala ke kūʻai ʻana ma hope. Hiki i kahi waiwai kūikawā a mamao paha ke loaʻa nā kumukūʻai loiloi kiʻekiʻe aʻe.

Nānā home

ʻO ka nānā laulā he kumukūʻai kūʻai pololei ia ma waho o ka mea hāʻawi kālā. Aia ma luna o kēia nā nānā hou ʻana o ka termite, sewer scope, septic, well, mold, radon, pool, a i ʻole nā ​​​​​​inspektion structural. Hoʻolālā kālā no ka noiʻi hou aku i ka wā e pono ai ke ʻano waiwai a i ʻole ka ʻāina.

Huli inoa ma ka ʻinikua inoa

ʻOkoʻa loa nā uku inoa ma muli o ke kuʻuna o ka mokuʻāina a me ke kūloko. Ma kekahi mau mākeke, uku ka mea kūʻai aku i kekahi mau kumukūʻai kulekele nona, aʻo nā wahi ʻē aʻe e hana ka mea kūʻai. He mea koi paha ka ʻinikua inoa o ka mea hāʻawi no ka moraki, ʻoiai hāʻawi ʻia ka uhi ʻana o ka mea nona ma ke kaʻawale.

ʻO ka uku hoʻoponopono escrow

Hoʻopiʻi ka ʻaoʻao pani kūlike ʻole i nā uku no ka hōʻiliʻili ʻana i nā palapala a me nā kālā. Hoʻopuka pinepine ʻo Zillow i kahi pae hiki ke like me 1% a 2% o ke kumukūʻai kūʻai no nā uku escrow, akā loaʻa pū kekahi mau uku paʻa a me nā hāʻawi kūloko. E noi mau i ka ʻōlelo no kou kalana.

Ke hoʻopaʻa ʻana i nā ʻauhau hoʻoili

Pono e hoʻopaʻa inoa ʻia ka palapala hoʻoili a me ka moraki. Uku nā kalana i nā uku hoʻopaʻa inoa, a ʻo kekahi mau mokuʻāina/kūlanakauhale e uku i nā ʻauhau hoʻoili. ʻO wai ka mea e uku i kēia mau kumukūʻai ma muli o ka wahi a me ka ʻaelike.

ʻAʻole nā ​​uku maʻemaʻe nā uku i uku mua ʻia

I ka wā e pani ai, koi paha ka mea hāʻawi kālā i kahi uku mua no ka ʻinikua home, ka ukupanee, a me nā ʻauhau waiwai. Hoʻolako kālā ʻia kekahi moʻokāki escrow i kekahi manawa. He kālā kēia mau kālā e pani ai, akā hōʻike i kekahi hapa o nā lilo e hiki mai ana ma mua o nā lawelawe.

Nā hoʻohālikelike ʻauhau waiwai

Hoʻoholo ka mea kūʻai a me ka mea kūʻai aku i nā ʻauhau kūloko a puni ka lā nona e like me ka hana kūloko. Eia kekahi, hiki ke loli ka bila ʻauhau mua ma hope o ka loiloi hou ʻana a i ʻole ka nalowale ʻana o kahi hoʻokuʻu kūikawā no ka mea kūʻai aku.

Nā uku hoʻoili a me ka hoʻomaka ʻana o HOA

No nā condos a i ʻole nā ​​​​waiwai kaiāulu, hiki ke pili nā uku noi, hoʻoili, hāʻawi kālā, a i ʻole nā ​​​​uku hoʻomaka. E noi i ka pūʻolo kūʻai hou ma mua o ka lā palena nānā i ʻole e kū mai nā mea kupanaha kālā i ka wā pani wale nō.

Nā uku loio

Hoʻohana kekahi mau mokuʻāina i nā loio ma ke kikowaena i ka pani ʻana; ma nā wahi ʻē aʻe, he kuleana nui ke poʻo inoa/escrow. ʻOiai inā ʻaʻole koi mau ʻia kahi loio, hiki i nā ʻōlelo aʻoaʻo kānāwai kūloko ke lilo i mea pono no nā mea kūʻai haole a i ʻole nā ​​​​​​ʻano paʻakikī o ka kuleana.

Hoʻokele keu o ka mea kūʻai aku haole

ʻO ka unuhi ʻana, nā palapala i hōʻoia ʻia e ka notarized, nā uwea honua, a me nā ʻōlelo aʻoaʻo ʻauhau hiki ke hopena i nā kumukūʻai hou aʻe. E hoʻohui i kēia mau mea ma ke ʻano he papa honua kaʻawale ma kahi o ka hūnā ʻana iā lākou i loko o ke kānāwai maʻamau 2-5%.

Nā ʻaelike a ka mea kūʻai aku

Ma ka mākeke kūʻai, hiki i ka mea kūʻai aku ke ʻae i nā hōʻaiʻē no kekahi mau koina pani kūʻai, i loko o nā palena o ka papahana hōʻaiʻē. E hoʻohālikelike i kahi hōʻaiʻē i ke kumukūʻai kūʻai: ʻaʻole hoihoi ka hāʻawi pani "manuahi" ke mau ke kiʻekiʻe o ke kumukūʻai no ia mea.

ʻO Veelgestelde vragen

He 2–5% mau anei nā kumukūʻai pani?

ʻAʻole. He hōʻailona mākeke ākea ia. Hiki i ka mokuʻāina, ka mea hāʻawi kālā, ke kuleana, ka ʻauhau, a me ke ʻano waiwai ke hoʻololi i ka hopena.

Ua like anei nā kumukūʻai pani me ka uku mua?

ʻAʻole. Kūkulu ka uku mua i ka waiwai; ʻo nā kumukūʻai pani e pili ana i nā uku, nā ʻauhau, ka ʻinikua, a me nā uku i uku mua ʻia e pili ana i ka hana.

Hiki i ka mea kūʻai aku ke uku i nā koina pani?

Ma muli o nā kūlana a ma muli o ka papahana hōʻaiʻē, hiki i ka mea kūʻai aku ke hāʻawi i kekahi mau ʻae. E hōʻoia ka mea hāʻawi kālā a me ka loea hoʻoponopono i ka mea i ʻae ʻia.

Nā pilikia o ka noiʻi ʻana ma nā palena

Ma kekahi mau hana a i ʻole nā ​​mokuʻāina, pili paha kahi ana ʻāina e hōʻoia i nā palena, nā easements, a me nā hoʻomaikaʻi. He mea nui kēia no ka ʻāina, nā pā, nā ala kaʻa i kaʻana like ʻia, a i ʻole nā ​​​​​​hoʻohui ma mua o kahi condo maʻamau. E nīnau i ka hui inoa a me ka mea hāʻawi kālā inā hiki ke hoʻohana ʻia kahi ana e kū nei a inā pono kahi mea hou.

Palapala hōʻoia waikahe a me nā hōʻike loea

Hiki i kahi mea hāʻawi kālā ke hana i kahi hoʻoholo waikahe. Eia kekahi, pono paha ʻoe e koi i nā hōʻike kiʻekiʻe, sewer, septic, a i ʻole ke kaiapuni iā ​​ʻoe iho. E waiho i kēlā mau kumukūʻai noiʻi kūpono e pili ana i ka waiwai; ʻaʻole lākou e pili i kēlā me kēia pani ʻana, akā hiki ke lilo i mea nui no ka waiwai hewa.

Nā waihona HOA ma nā loiloi kūikawā

He ʻāpana liʻiliʻi wale nō o ka pilikia ka uku kūʻai o kahi HOA. Hiki i kahi hui me nā waihona lawa ʻole ke kau i kahi loiloi kūikawā nui ma hope o ka pani ʻana. E aʻo i ka haʻawina waihona a me ka ʻinikua, a e mālama i nā papahana i hoʻolaha ʻia e like me nā kumukūʻai loaʻa i ka wā e hiki mai ana.

Loio loiloi i ka hoʻonohonoho ʻana o ka hui

Pono paha kahi mea kūʻai haole i nā ʻōlelo aʻoaʻo kānāwai hou e pili ana i ka nona ʻana, LLC, hoʻolālā waiwai, a i ʻole ka hoʻohana hoʻolimalima. ʻAʻole hoʻokomo pinepine ʻia kēia uku i loko o kahi helu helu kumukūʻai pani laulā. E hoʻokaʻawale i ka waihona kālā no ke alakaʻi loea ke ʻokoʻa kāu hana mai kahi kūʻai maʻamau a ka mea nona.

Mālama ma hope o ka pani ʻana

Ma hope o ka pani ʻana o ke kālā, e mālama i kahi waihona no nā laka, nā hoʻoponopono liʻiliʻi, nā lako hale, nā pono hana, a me nā hoʻoponopono ʻinikua. No ka lua o ka home, pono pinepine ka hoʻokele waiwai a i ʻole ka lawelawe lau nahele/loko wai. ʻAʻole waiwai nui ka pani ʻana inā ʻaʻole hiki iā ʻoe ke uku hou i ka hoʻoponopono mua.