Tlhaloso ea Monehelo oa Mokha o Thahasellang ke ofe?
Interested Party Contribution (IPC) e bolela tefo ea Mokha o Thahasellang, kapa mekha e kopaneng, mabapi le litefo tsa ho qala tsa Moalimi, litjeo tse ling tsa ho koala le litheolelo.Menehelo ea batho ba nang le thahasello ke litjeo tseo hangata e leng boikarabello ba moreki oa thepa tse lefuoang ka kotloloho kapa ka tsela e sa tobang ke motho e mong ea nang le thahasello ea lichelete ho, kapa a ka susumetsang lipehelo le thekiso kapa phetisetso ea thepa eo ho buuoang ka eona.
Ke mang ea nkoang e le mokha o thahasellang?
Morekisi oa thepa;Mohahi/moetsi;Morekisi oa thekiso ea matlo kapa morekisi;Selekane se ka ruang molemo thekisong ea thepa ka theko e phahameng ea theko.
Motho ea alimang kapa mohiri oa moreki ha a nkoe e le motho ea nang le thahasello khoebong ntle le haeba ba sebetsa joalo ka morekisi oa thepa kapa motho e mong ea nang le thahasello.
Meeli e phahameng ka ho fetesisa ea batho ba nang le thahasello ke efe?
Li-IPC tse fetang meeli ena li nkuoa e le litumellano tsa thekiso.Theko ea thekiso ea thepa e tlameha ho fetoloa ho ea tlase ho bonts'a chelete ea monehelo e fetang palo e holimo, 'me boholo ba likhakanyo tsa LTV/CLTV li tlameha ho baloa bocha ho sebelisoa theko e theotsoeng kapa boleng bo lekantsoeng.
| Mofuta oa ho lula | Karolelano ea LTV/CLTV | Boholo ba IPC |
| Bolulo ba mantlha kapa lehae la bobeli | E kholo ho feta 90% | 3% |
| 75.01% - 90% | 6% | |
| 75% kapa ka tlase ho moo | 9% | |
| Thepa ea matsete | Likarolo tsohle tsa CLTV | 2% |
Ka mohlala
Theko ea $250,000 ka Kalimo ea $150,000 e ka ba Loan to Value Ratio (LTV) ea 60%.
Ho 60% boholo ba IPC e ka ba 9% ea theko ea theko, $22,500, kapa litšenyehelo tsa ho koala, ho sa tsotellehe hore na ke eng e fokolang.
Haeba IPC, ekaba ho tsoa ho morekisi kapa Realtor, e ne e lokela ho ba $25,000 mokoloto o ne o tla feta meeli ea IPC.Ka hona, chelete e fetang $2,500 e ka ba tumello ea thekiso.Theko ea theko e tla nkuoa e le $247,500 ($250,000-$2,500) 'me LTV e tla ba 60.61%.Phetoho ena ea LTV e ka ama maemo a mokoloto maemong a mang, empa ha ea lokela ho etsa hore o reke inshorense ea ntlo.
Nako ea poso: Jan-21-2022