Iindleko zokuvala ziyinqobo xa ziqwalasela ukuthengwa kwekhaya eMiami okanye eMzantsi Florida. Enyanisweni, uphando olutshanje lweBhanRate.com lubonise ukuba i-Miami inexabiso lesine elivaliweyo lokuvala nayiphi na imarike yendawo yokuhlala kweli lizwe, inani elingama $ 3,683 ngo-2008.
Iindleko zokuvalwa kweMiami
Ziziphi iindleko zokuvala onokuzilindela ukuhlawula xa uthenge ikhaya eMiami? Makhe sijonge kwiziko ngalinye:
- Izitampu zoxwebhu (Doc Stamps) kwiNtshukumo : Naphezu kwegama labo elingenacala, izitampu ze-doc enye yeendleko zokuvala ezibiza kakhulu eziza kuhlangana nazo. Zivavanywa ngexesha lokurekhoda ukutshintshwa kwezenzo kwaye ziyi $ 0.60 ngeyonke imali eyi-100 yemali yasekhaya. Qaphela ukuba le nqanaba i-Miami-Dade County kuphela. Zonke ezinye izixeko zaseFlorida zihlawula ireyithi ye-$ 0.70 ngeyonke i-$ 100.
- Izitampu zoxwebhu (Doc Stamps) kwi-Mortgage : Uya kufuneka kwakhona ukuhlawula izitampu ze doc ukurekhoda umboleko kwikhaya lakho. I-Mortgage doc izitampu ziqhuba i $ 0.35 ngeyonke imali eyi-100 yemali ebolekelwe.
- Intlawulo ye-Intangible kwi-Mortgage : Ingingqi yakho iya kuphinda ihlole i-$ 0.20 ngeyonke imali engama-100 engabonakaliyo kwerhafu ebolekwe ngayo
- Imali yokurekhoda : Umhloli wengingqi uza kukuhlawula kwiphepha ngalinye leemibhalo ozirekhodiweyo njengenxalenye yokuthengwa kwekhaya kwinqanaba le-$ 10 kwiphepha lokuqala kunye ne-8.50 yekhasi elongezelelweyo. Lindela ukufaka ifayile phakathi kwama-10-15 njengenxalenye yokuthengwa kwekhaya.
- Intshuwalense yesihloko : I-inshorensi yesikhosi ikukhusela ngokuphambene neziphene kwinkqubo yetayitile engenakuphazamisa amalungelo akho yobunikazi kwikamva. I-inshurensi yeSihloko e-Florida isebenze kwisakhiwo esilinganiselwe kwisantya esisekelwe kwixabiso lokuthengwa kwekhaya lakho. Iimali zihlaziywa ngeyonke imali eyi-1 000 yexabiso lekhaya lakho ngokweli shedyuli elandelayo:
- I $ 100,000 yokuqala: i $ 5.57 nge $ 1,000
- $ 100,000- $ 1,000,000: $ 5.00 nge $ 1,000
- I-$ 1-5 yezigidi: i-$ 2.50 nge $ 1,000
- I-$ 5- $ 10 yezigidi: i-$ 2.25 ngemali eyi-1,000
- Ngaphezulu kweedola ezili-10 zezigidi: i-$ 2.00 ngeyonke i-$ 1,000
Zonke ezinye iindleko zokuvala (njengemirhumo yenkonzo, iimali zokuhlola, kunye nemirhumo yolawulo) ziyakwazi ukuthetha kunye neentlawulo zakho.
Umzekelo
Makhe sicinge ukuba uthengisa ikhaya le-200,000 kwi-Miami-Dade County kunye ne-$ 180,000 yokuthenga imali. Iindleko zakho zokuvala ezipheleleyo ziza kuba yi-$ 3,504 zama-$, kunye neengxenye ezilandelayo:
- I-Doc Doc Stamps: $ 1,200
- Izitampu ze-Mortgage Doc: $ 700
- I-Mortgage Tax Incangible Tax: $ 400
- Imali yokurekhoda (ngamaphepha alandelayo): $ 129
- Umshuwalense weSihloko: $ 1,075
Lezo ziyinxalenye eyintloko yeendleko zokuvala i-Miami.