by Tubzoonraug July 13th 2014, 8:40 am
Kwv Tas lauv & Kwv Nraug Cuam
Kwv Tas Lauv, hai txog vaj tsev ma yeej yog li koj tus phooj ywg hai nawb, lub tsev txawm koj them tag lawm los tus nqi se (tax) hauv City nws yeej tseem nyob qhov qub or up me ntsi lawm. Tus tax ntawd lawv muab ua 2 zaug rau koj them, 6 hli twg them ib zaug lo yog koj tos kom txog xyoo koj li ua ib teg them lo tau. Lub tsev yog $ 100.000,00 pav ma yog $1,200.00 per yr os. Maub hai lo ces 13% ntawm tus principle ntawm lub tsev os. Yog li nov ma txawm lub tsev twb pay off rau Bank lawm los yus tseem yuav tau them qhov se (tax) ntawm daim av koj nyob thiab lub tsev tus nqi yav tag lo thiab. Yog txog xyoo tsi them ces luag tuaj laij yus tawm luag tsi care yus li nawb.
Kuv lub tsev tus nqi yog $575,000.00 ua fix for 30 yrs(years) qhov interest ntawm tus nqi principle ntawd, yog 5.75 % ib lub hli twg ces u yeej them $ 4000 per month, nws tseem adding home Insurance, yog $ 900 per yr. Tseem muaj Scow 3000 all for 30 yrs, tseem muaj property tax yog $ 6000 lo ntawm qhov principle nov thiab, yog li nov ma, them monthly kim heev ces kuv thiaj li muab kiag $100.000,00 make a down payments rau kom reduce qhov monthly. Thaum kuv muab 1 pua phav lo them ntxiv lawm ces kuv qhov principle lo rau $475,000.00 qhov nov yog qov nqi kuv them for 30 yrs. plus interest, plus home Insurance, plus City Tax. Plus Scow cov nyiaj nov ma luag muab sib ntxiv rau qhov monthly lawm os. Scow nov ma luag deduction u ib qhov extra pay es luag muab qhov nyiaj nov lo them rau Insurance thiab City Tax lo yog thaum yus hos them lig. Tsi tag li luag yeej txiav u tag mus li thiab txawm koj twb them puv lawm lo luag yeej txiav tag zog ma kuv lo kuj tsi nkag siab rau qhov Scow nov thiab.
Bro, Hai txog nyob rau USA nov ma koj them tag lo yej tsi yog koj tug li nawb, koj yeej ua tsi tau ib yam dab tsi ywj siab, txhua yam koj yuav ua ma yuav tau mus thov ntawv nram City kev permission lo yog permit ma thiaj li lo ua tau os, Ua tag koj yuav tau hus lawv rov tuaj expected ( luag tuaj kuaj saib pua zoo pua raug cai thiab pua safe) yog luag tuaj kuaj tag es zoo lawm ces pass yog tsi pass ce rov muab rhuav dua ua dua tshiab, tsi tag li koj thaj chaws av ntawd, luag tsi pub koj kawb kom mus li 5 feet deep, over 5 feet deep belong to the City if you dig over 5 feet down with out the approval ces raug pav maim os.
Brohter, qhov monthly peb them ma tsua yog them cov Interested nkau xwb qhov principle ma luag muab li 1/2 pua lo tso rau hauv xwb es thiaj li them tsi paub tag li os.
Brother, muaj ntau heev yuav piav tsi tag li os. Kuv piav ib nyuag qhov yooj yim li nov rau peb kawm tso.
Last edited by Tubzoonraug on July 13th 2014, 9:01 am; edited 1 time in total