Vi\u1ec7c mua nh\u00e0 \u1edf M\u1ef9 \u0111\u00f2i h\u1ecfi m\u1ed9t qu\u00e1 tr\u00ecnh d\u00e0i v\u00e0 nhi\u1ec1u gi\u1ea5y t\u1edd ph\u1ee9c t\u1ea1p. H\u00f4m nay m\u00ecnh xin chia s\u1ebb nh\u1eefng kinh nghi\u1ec7m mua nh\u00e0 \u1edf M\u1ef9 \u0111\u1ec3 b\u1ea1n c\u00f3 c\u00e1i nh\u00ecn t\u1ed5ng qu\u00e1t. T\u1eeb \u0111\u00f3 b\u1ea1n s\u1ebd hi\u1ec3u r\u00f5 v\u00e0 \u0111\u1ee1 g\u1eb7p ph\u1ea3i nh\u1eefng r\u1eafc r\u1ed1i kh\u00f4ng c\u1ea7n thi\u1ebft.<\/p>\n\n\n\n
Vi\u1ec7c mua m\u1ed9t c\u0103n nh\u00e0 \u1edf M\u1ef9 l\u00e0 m\u1ed9t trong nh\u1eefng \u0111\u1ea7u t\u01b0 v\u00e0 cam k\u1ebft l\u1edbn n\u00ean b\u1ea1n ph\u1ea3i hi\u1ec3u r\u00f5 t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh c\u00f3 \u0111\u1ee7 ch\u01b0a. N\u1ebfu t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh ch\u01b0a cho ph\u00e9p th\u00ec h\u00e3y l\u00ean k\u1ebf ho\u1ea1ch \u0111\u1ec3 c\u00f3 th\u1ec3 mua nh\u00e0 trong 5 n\u0103m ho\u1eb7c 10 n\u0103m t\u1edbi.<\/p>\n\n\n\n
V\u00ed d\u1ee5 nh\u01b0 m\u1ed9t c\u0103n nh\u00e0 \u1edf California th\u00ec c\u00f3 gi\u00e1 trung b\u00ecnh $495 ng\u00e0n \u0111\u00f4 la m\u1ef9 th\u00ec \u0111\u00f2i h\u1ecfi b\u1ea1n ph\u1ea3i c\u00f3 ti\u1ec1n \u0111\u1eb7t c\u1ecdc 10% l\u00e0 $50k, v\u00e0 b\u1ea1n ph\u1ea3i c\u00f3 ti\u1ec1n \u0111\u1ec3 tr\u1ea3 ti\u1ec1n \u201cmortgage\u201d,\u00a0 \u201cproperty tax\u201d c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn $3k \u2013 $4k m\u1ed7i th\u00e1ng trong v\u00f2ng 30 n\u0103m.<\/p>\n\n\n\n
B\u1ea1n ph\u1ea3i tr\u1ea3 th\u00eam kho\u1ea3n \u201cclosing costs\u201d c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn $15k cho c\u0103n nh\u00e0 b\u1ea1n \u0111\u1ecbnh mua. B\u1ea1n c\u0169ng ph\u1ea3i r\u1ea5t th\u00e0nh th\u1eadt v\u1edbi b\u1ea3n th\u00e2n m\u00ecnh \u0111\u1ec3 n\u00f3i kh\u00f4ng v\u1edbi nh\u1eefng c\u0103n nh\u00e0 m\u00e0 m\u00ecnh kh\u00f4ng \u0111\u1ee7 kh\u1ea3 n\u0103ng \u0111\u1ec3 mua. B\u1ea1n c\u1ea7n ph\u1ea3i \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n sau v\u1ec1 t\u00e0i ch\u00ednh \u0111\u1ec3 quy\u1ebft \u0111\u1ecbnh l\u00e0 th\u1eddi \u0111i\u1ec3m \u0111\u1ec3 mua nh\u00e0:<\/p>\n\n\n\n
B\u1ea1n ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 t\u1ef1 mua nh\u00e0 \u1edf M\u1ef9 nh\u01b0ng \u0111\u1ebfn ph\u1ea7n gi\u1ea5y t\u1edd, c\u00e1c th\u1ee7 t\u1ee5c th\u00ec v\u1eabn c\u1ea7n \u0111\u1ebfn m\u1ed9t nh\u00e0 m\u00f4i gi\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o m\u1ecdi vi\u1ec7c t\u1ed1t \u0111\u1eb9p.<\/p>\n\n\n\n
Vi\u1ec7c mua nh\u00e0 s\u1ebd r\u1ea5t l\u00e2u, v\u00f4 s\u1ed1 gi\u1ea5y t\u1edd v\u00e0 c\u0103ng th\u1eb3ng, m\u1ed9t nh\u00e0 m\u00f4i gi\u1edbi gi\u1ecfi c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n l\u00ean k\u1ebf ho\u1ea1ch v\u00e0 ki\u1ebfm nh\u00e0 tr\u00ean th\u1ecb tr\u01b0\u1eddng, h\u1ecd gi\u00fap b\u1ea1n bi\u1ebft b\u1ea1n mu\u1ed1n g\u00ec v\u00e0 c\u00f3 th\u1ec3 th\u01b0\u01a1ng l\u01b0\u1ee3ng \u0111\u01b0\u1ee3c gi\u00e1 mua nh\u00e0\u00a0ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c $20k \u2013 $50k.<\/strong><\/p>\n\n\n\n H\u01a1n n\u1eefa n\u1ebfu b\u1ea1n \u0111i mua nh\u00e0 th\u00ec kh\u00f4ng ph\u1ea3i t\u1ed1n v\u00e0 tr\u1ea3 ph\u00ed cho m\u1ed9t nh\u00e0 m\u00f4i gi\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n<\/strong> v\u00ec ng\u01b0\u1eddi b\u00e1n nh\u00e0 s\u1ebd thanh to\u00e1n ph\u00ed n\u00e0y gi\u00fap b\u1ea1n. M\u1ed9t nh\u00e0 m\u00f4i gi\u1edbi gi\u1ecfi s\u1ebd bi\u1ebft \u0111\u01b0\u1ee3c khu v\u1ef1c n\u00e0o c\u00f3 tr\u01b0\u1eddng h\u1ecdc t\u1ed1t cho con c\u00e1i b\u1ea1n v\u00e0 t\u00ecnh h\u00ecnh an ninh khu v\u1ef1c \u0111\u00f3 nh\u01b0 th\u1ebf n\u00e0o.<\/p>\n\n\n\n H\u1ecd s\u1ebd gi\u00fap v\u00e0 t\u01b0 v\u1ea5n nh\u1eb1m gi\u00fap b\u1ea1n mua \u0111\u01b0\u1ee3c c\u0103n nh\u00e0 \u01b0ng \u00fd v\u00e0 c\u00f3 l\u1ee3i nh\u1ea5t d\u1ef1a tr\u00ean kinh nghi\u1ec7m c\u1ee7a h\u1ecd. N\u00ean vi\u1ec7c ch\u1ecdn \u0111\u01b0\u1ee3c m\u1ed9t nh\u00e0 m\u00f4i gi\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n gi\u1ecfi \u0111\u1ec3 mua nh\u00e0 r\u1ea5t quan tr\u1ecdng \u0111\u1ec3 mua nh\u00e0 \u1edf M\u1ef9 v\u00ec h\u1ecd s\u1ebd s\u1eed d\u1ee5ng kinh nghi\u1ec7m mua nh\u00e0 c\u1ee7a m\u00ecnh gi\u00fap \u00edch cho b\u1ea1n.<\/p>\n\n\n\n M\u00ecnh xin tr\u1ea3 l\u1eddi l\u00e0 n\u1ebfu \u0111\u1ee9ng tr\u00ean quan \u0111i\u1ec3m m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u00ec kh\u00f4ng n\u00ean \u0111\u1ea7u t\u01b0 v\u00e0o b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0o th\u1eddi \u0111i\u1ec3m hi\u1ec7n nay \u1edf c\u00e1c khu v\u1ef1c nh\u01b0: Los Angeles, Orange County, San Francisco, Denver, Sealtle, Portland v\u00e0 Denver\u2026<\/p>\n\n\n\n N\u1ebfu nh\u01b0 b\u1ea1n \u0111\u1ea7u t\u01b0 v\u00e0o nh\u00e0 cho thu\u00ea th\u00ec c\u0169ng kh\u00f4ng kh\u1ea3 thi \u1edf nh\u1eefng khu v\u1ef1c n\u00e0y v\u00ec gi\u00e1 b\u1ea5t \u0111\u1ed9ng s\u1ea3n qu\u00e1 cao d\u1eabn \u0111\u1ebfn s\u1ed1 v\u1ed1n b\u1ecf ra r\u1ea5t l\u1edbn. Trong khi \u0111\u00f3 th\u00ec ti\u1ec1n thu l\u1ea1i v\u00e0 b\u1ea3o tr\u00ec b\u1ea5t \u0111\u1ed9ng s\u1ea3n r\u1ea5t t\u1ed1n k\u00e9m d\u1eabn \u0111\u1ebfn hi\u1ec7u qu\u1ea3 th\u1ea5p.<\/p>\n\n\n\n N\u1ebfu nh\u01b0 b\u1ea1n c\u00f3 ti\u1ec1n v\u00e0 kh\u00f4ng bi\u1ebft l\u00e0m g\u00ec v\u1edbi s\u1ed1 ti\u1ec1n tr\u00ean th\u00ec mua nh\u00e0 cho thu\u00ea l\u00e0 m\u1ed9t ph\u01b0\u01a1ng \u00e1n an to\u00e0n<\/strong>. Ho\u1eb7c \u0111\u01a1n gi\u1ea3n b\u1ea1n mu\u1ed1n c\u00f3 m\u1ed9t c\u0103n nh\u00e0 \u0111\u1ec3 ch\u0103m lo, \u0111\u1ec3 h\u1ea1nh ph\u00fac h\u01a1n, ho\u1eb7c ch\u00e1n c\u1ea3nh \u1edf nh\u00e0 thu\u00ea th\u00ec n\u00ean \u0111\u1ec3 d\u00e0nh ti\u1ec1n v\u00e0 \u0111\u1ee3i khi n\u00e0o gi\u00e1 nh\u00e0 xu\u1ed1ng th\u00ec h\u00e3y mua.<\/p>\n\n\n\n B\u1ea5t \u0111\u1ed9ng s\u1ea3n lu\u00f4n theo chu k\u1ef3 l\u00ean xu\u1ed1ng theo ch\u1ec9 s\u1ed1 ti\u1ec1n l\u1eddi c\u1ee7a ng\u00e2n h\u00e0ng v\u00ec s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn \u201cLending v\u00e0 Borrowing\u201d. N\u00ean v\u1edbi l\u00e3i su\u1ea5t th\u1ea5p trong m\u1ed9t th\u1eddi gian d\u00e0i nh\u01b0 hi\u1ec7n nay th\u00ec gi\u00e1 nh\u00e0 \u0111ang r\u1ea5t cao d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng kh\u1ee7ng ho\u1ea3ng nh\u00e0 \u1edf.<\/p>\n\n\n\n V\u00ed d\u1ee5 nh\u01b0 \u1edf California th\u00ec gi\u00e1 thu\u00ea nh\u00e0 l\u00ean m\u00e0 gi\u00e1 mua nh\u00e0 c\u0169ng l\u00ean d\u1eabn \u0111\u1ebfn \u201cHousing Crisis\u201d m\u00e0 ti\u1ec3u bang v\u00e0 c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 \u0111ang c\u1ed1 g\u1eafng gi\u1ea3i quy\u1ebft. B\u00e0i vi\u1ebft n\u00e0y ch\u1ec9 n\u00f3i v\u1ec1 kinh nghi\u1ec7m mua nh\u00e0 \u1edf M\u1ef9<\/strong> ch\u1ee9 kh\u00f4ng nh\u1eb1m \u0111o\u00e1n th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00e0 m\u1ed9t vi\u1ec7c kh\u00f4ng ai l\u00e0m \u0111\u01b0\u1ee3c m\u00e0 ch\u1ec9 n\u00ean chu\u1ea9n b\u1ecb s\u1eb5n ti\u1ec1n m\u1eb7t<\/strong> v\u00e0 ch\u1edd \u0111\u1ee3i th\u1eddi c\u01a1 \u0111\u1ec3 \u0111\u1ea7u t\u01b0<\/strong> khi th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n b\u1ecb xu\u1ed1ng gi\u00e1.<\/p>\n\n\n\n Vi\u1ec7c x\u00e1c \u0111\u1ecbnh xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u1edf n\u01a1i b\u1ea1n \u0111ang \u1edf r\u1ea5t kh\u00f3 n\u1ebfu nh\u01b0 b\u1ea1n kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t ng\u01b0\u1eddi chuy\u00ean l\u00e0m trong l\u0129nh v\u1ef1c \u0111\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n. V\u00ed d\u1ee5 nh\u01b0 m\u1ed9t nh\u00e0 m\u00f4i gi\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n gi\u1ecfi s\u1ebd n\u1eafm r\u00f5 chu k\u1ef3 l\u00ean xu\u1ed1ng c\u1ee7a gi\u00e1 nh\u00e0 n\u00ean s\u1ebd bi\u1ebft khi n\u00e0o n\u00ean mua v\u00e0 khi n\u00e0o n\u00ean b\u00e1n.<\/p>\n\n\n\n N\u1ebfu \u0111\u1ee9ng tr\u00ean quan \u0111i\u1ec3m c\u1ee7a m\u1ed9t ng\u01b0\u1eddi mua nh\u00e0 \u0111\u1ec3 \u1edf v\u00e0 c\u00f3 t\u00e0i ch\u00ednh v\u1eefng th\u00ec vi\u1ec7c mua nh\u00e0 s\u1ebd t\u1eadp trung v\u00e0o chi ph\u00ed \u0111\u1ec3 tr\u1ea3 ti\u1ec1n nh\u00e0, b\u1ea3o tr\u00ec, thu\u1ebf b\u1ea5t \u0111\u1ed9ng s\u1ea3n h\u00e0ng th\u00e1ng so v\u1edbi chi ph\u00ed cho thu\u00ea nh\u00e0 h\u01a1n l\u00e0 gi\u00e1 tr\u1ecb c\u1ee7a c\u0103n nh\u00e0 ho\u1eb7c b\u1ea1n mu\u1ed1n mua nh\u00e0 \u0111\u1ec3 c\u00f3 th\u1ec3 kinh doanh v\u00e0 th\u1ec3 hi\u1ec7n s\u1ef1 th\u00e0nh c\u00f4ng th\u00ec gi\u00e1 ch\u1ec9 l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m.<\/p>\n\n\n\n V\u00ed d\u1ee5 nh\u01b0 c\u00f3 nhi\u1ec1u doanh nh\u00e2n \u1edf \u00dac, Ch\u00e2u \u00c2u qua mua nh\u00e0 \u1edf California th\u00ec kh\u00f4ng c\u1ea7n quan t\u00e2m \u0111\u1ebfn gi\u00e1 v\u00ec b\u1ea5t \u0111\u1ed9ng s\u1ea3n h\u1ecd mua \u1edf t\u1ea7m cao n\u00ean \u00edt bi\u1ebfn \u0111\u1ed9ng. V\u00ec v\u1eady vi\u1ec7c n\u1eafm xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u1ea7n b\u1ea1n tham kh\u1ea3o m\u1ed9t b\u00ean c\u00f3 kinh nghi\u1ec7m ho\u1eb7c t\u01b0 v\u1ea5n t\u1eeb nh\u00e0 m\u00f4i gi\u1edbi \u0111\u1ecba \u1ed1c. Vi\u1ec7c n\u1eafm r\u00f5 t\u00e0i ch\u00ednh v\u00e0 nh\u1eefng m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n khi mua nh\u00e0 \u1edf M\u1ef9 th\u00ec vi\u1ec7c t\u01b0 v\u1ea5n s\u1ebd hi\u1ec7u qu\u1ea3 h\u01a1n.<\/p>\n\n\n\n N\u1ebfu nh\u01b0 b\u1ea1n kh\u00f4ng c\u00f3 \u0111\u1ee7 ti\u1ec1n m\u1eb7t (ti\u1ec1n trong t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng) \u0111\u1ec3 mua nh\u00e0 th\u00ec b\u1ea1n ph\u1ea3i \u0111i m\u01b0\u1ee3n ti\u1ec1n. H\u1ea7u nh\u01b0 ai c\u0169ng m\u01b0\u1ee3n ti\u1ec1n \u0111\u1ec3 mua nh\u00e0 \u1edf M\u1ef9 v\u00e0 ng\u00f4i nh\u00e0 l\u00e0 t\u00e0i s\u1ea3n \u0111\u1ea7u t\u01b0 l\u1edbn nh\u1ea5t \u0111\u1ed1i v\u1edbi \u0111a s\u1ed1 d\u00e2n M\u1ef9.<\/p>\n\n\n\n Sau khi \u0111\u00e3 c\u00f3 \u0111\u1ee7 ti\u1ec1n \u0111\u1eb7t c\u1ecdc, t\u00e0i ch\u00ednh, v\u00e0 ki\u1ebfm cho m\u00ecnh \u0111\u01b0\u1ee3c m\u1ed9t nh\u00e0 m\u00f4i gi\u1edbi gi\u1ecfi. Th\u00ec nh\u00e0 m\u00f4i gi\u1edbi s\u1ebd gi\u00fap b\u1ea1n h\u1ebft m\u1ecdi th\u1ee9 v\u00e0 vi\u1ec7c \u0111\u1ea7u ti\u00ean \u0111\u00f3 l\u00e0 ki\u1ebfm \u0111\u01b0\u1ee3c s\u1ef1 ch\u1ea5p thu\u1eadn tr\u01b0\u1edbc cho s\u1ed1 ti\u1ec1n vay \u0111\u1ec3 mua nh\u00e0.<\/p>\n\n\n\n Ng\u01b0\u1eddi cho vay (lenders) s\u1ebd ch\u1ea5p thu\u1eadn tr\u01b0\u1edbc cho b\u1ea1n m\u1ed9t kho\u1ea3n vay \u0111\u1ec3 mua nh\u00e0 sau khi xem qua l\u1ecbch s\u1eed t\u00e0i ch\u00ednh<\/strong> c\u1ee7a b\u1ea1n. Vi\u1ec7c c\u00f2n l\u1ea1i ch\u1ec9 l\u00e0 x\u00e1c \u0111\u1ecbnh c\u0103n nh\u00e0 b\u1ea1n s\u1ebd mua \u0111\u1ee7 gi\u00e1 tr\u1ecb \u0111\u1ec3 l\u00e0 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p cho kho\u1ea3n vay n\u00e0y.<\/p>\n\n\n\n N\u1ebfu nh\u01b0 b\u1ea1n \u0111\u00e3 c\u00f3 m\u1ed9t nh\u00e0 m\u00f4i gi\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n gi\u1ecfi th\u00ec kh\u00f4ng c\u1ea7n bi\u1ebft nh\u1eefng \u0111i\u1ec1u n\u00e0y nh\u01b0ng n\u1ebfu b\u1ea1n l\u00e0 m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n nh\u01b0 m\u00ecnh th\u00ec ph\u1ea3i hi\u1ec3u r\u00f5 gi\u1eefa \u201cpre-approval<\/strong>\u201d v\u00e0 \u201cpre-qualification<\/strong>.\u201d N\u1ebfu \u0111\u01b0\u1ee3c \u201cpre-approved morgage\u201d th\u00ec chu\u1ea9n b\u1ecb \u0111i coi nh\u00e0 th\u00f4i b\u1ea1n.<\/p>\n\n\n\n \u0110\u1ec3 \u0111\u01b0\u1ee3c \u201cpre-approval\u201d th\u00ec kh\u00f3 h\u01a1n v\u00ec b\u1ea1n ph\u1ea3i cung c\u1ea5p cho \u201clenders\u201d t\u1ea5t c\u1ea3 c\u00e1c gi\u1ea5y t\u1edd t\u00e0i ch\u00ednh c\u00f3 li\u00ean quan nh\u01b0: \u0111i\u1ec3m t\u00edn d\u1ee5ng, t\u00e0i li\u1ec7u ch\u1ee9ng minh thu nh\u1eadp, l\u01b0\u01a1ng h\u01b0u, c\u00e1c t\u00e0i s\u1ea3n kh\u00e1c nh\u01b0 \u0111\u1ea7u t\u01b0 ho\u1eb7c s\u1ed1 ti\u1ec1n trong t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, gi\u1ea5y t\u1edd t\u00f9y th\u00e2n nh\u01b0 Driver\u2019s License v\u00e0 s\u1ed1 an sinh x\u00e3 h\u1ed9i.<\/p>\n\n\n\n \u0110i ki\u1ebfm nh\u00e0 \u0111\u1ec3 mua th\u00ec kh\u1ecfi ph\u1ea3i n\u00f3i r\u1ed3i, thi\u1ec7t l\u00e0 l\u00e2u. \u0110\u00f4i khi b\u1ea1n coi \u0111\u01b0\u1ee3c c\u0103n nh\u00e0 \u1ee9ng \u00fd th\u00ec gi\u00e1 nh\u00e0 m\u1eafc qu\u00e1. Ho\u1eb7c khu \u0111\u00f3 nh\u00ecn x\u1eadp x\u1ec7 qu\u00e1 d\u00f9 gi\u00e1 nh\u00e0 r\u1ebb h\u01a1n \u0111\u01b0\u1ee3c \u0111\u00f4i ch\u00fat. M\u1ed9t trong nh\u1eefng \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd l\u00e0 ph\u1ea3i x\u00e1c \u0111\u1ecbnh t\u00e0i ch\u00ednh v\u00e0 ng\u00e2n s\u00e1ch c\u1ee7a m\u00ecnh s\u1ebd chi cho ng\u00f4i nh\u00e0.<\/p>\n\n\n\n \u0110\u1eb7t ra gi\u00e1 mua t\u1ed1i \u0111a<\/strong> c\u0169ng l\u00e0 m\u1ed9t ph\u01b0\u01a1ng \u00e1n \u0111\u1ec3 b\u1ea1n t\u1eadp trung v\u00e0o m\u1ed9t khu v\u1ef1c c\u1ed1 \u0111\u1ecbnh \u0111\u1ec3 t\u00ecm ki\u1ebfm. Sau \u0111\u00f3 l\u00e0 \u0111\u1ebfn ch\u1ecdn khu v\u1ef1c b\u1ea1n s\u1ebd mua nh\u00e0<\/strong> d\u1ef1a tr\u00ean c\u00e1c ch\u1ec9 ti\u00eau nh\u01b0: tr\u01b0\u1eddng h\u1ecdc t\u1ed1t, t\u1ef7 l\u1ec7 t\u1ed9i ph\u1ea1m th\u1ea5p, nhi\u1ec1u c\u00f4ng \u0103n vi\u1ec7c l\u00e0m, nhi\u1ec1u c\u01a1 s\u1edf th\u01b0\u01a1ng m\u1ea1i cho vi\u1ec7c mua s\u1eafm, v\u00e0 \u0111i ch\u1ee3.<\/p>\n\n\n\n C\u00e1ch t\u1ed1t nh\u1ea5t l\u00e0 nh\u1edd nh\u00e0 m\u00f4i gi\u1edbi b\u1ea5t \u0111\u1ed9ng s\u1ea3n t\u01b0 v\u1ea5n v\u00ec b\u1ea1n s\u1ebd kh\u00f4ng t\u1ed1n ph\u00ed th\u00ec s\u1ebd gi\u00fap b\u1ea1n ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c nhi\u1ec1u th\u1eddi gian. Ki\u1ebfm nh\u00e0 th\u00ec ph\u1ea3i ch\u1edd \u0111\u1ee3i r\u1ea5t l\u00e2u v\u00e0 \u0111\u00f4i khi b\u1ea1n r\u1ea5t d\u1ec5 n\u1ed5i n\u00f3ng v\u00ec ki\u1ebfm ho\u00e0i m\u00e0 kh\u00f4ng c\u00f3 c\u0103n nh\u00e0 \u01b0ng \u00fd.<\/p>\n\n\n\n Vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c trang tr\u1ef1c tuy\u1ebfn nh\u01b0: Zillow<\/a>, Realtor<\/a>, Redfin<\/a>, ho\u1eb7c Trulia<\/a> s\u1ebd gi\u00fap b\u1ea1n ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng tin cho vi\u1ec7c ki\u1ebfm nh\u00e0 \u0111\u1ec3 mua d\u1ec5 d\u00e0ng h\u01a1n. Nh\u01b0ng vi\u1ec7c th\u01b0\u01a1ng l\u01b0\u1ee3ng v\u00e0 gi\u1ea5y t\u1edd<\/strong> th\u00ec b\u1ea1n v\u1eabn ph\u1ea3i nh\u1edd nh\u00e0 m\u00f4i gi\u1edbi \u0111\u1ecba \u1ed1c gi\u00fap b\u1ea1n v\u00ec h\u1ecd c\u00f3 kinh nghi\u1ec7m h\u01a1n nh\u1eb1m gi\u00fap b\u1ea1n ti\u1ebft ki\u1ec7m chi ph\u00ed.<\/p>\n\n\n\n Sau khi \u0111\u00e3 \u01b0ng \u00fd ng\u00f4i nh\u00e0 v\u00e0 quy\u1ebft \u0111\u1ecbnh s\u1ebd mua th\u00ec b\u1ea1n ho\u1eb7c ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n cho b\u1ea1n s\u1ebd li\u00ean l\u1ea1c v\u1edbi ng\u01b0\u1eddi b\u00e1n nh\u00e0 ho\u1eb7c ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n c\u1ee7a ng\u01b0\u1eddi b\u00e1n nh\u00e0 \u0111\u1ec3 h\u1ecfi xem c\u00f3 b\u1ea5t k\u1ef3 l\u1eddi \u0111\u1ec1 ngh\u1ecb n\u00e0o hi\u1ec7n t\u1ea1i ch\u01b0a v\u00e0 b\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0a ra l\u1eddi \u0111\u1ec1 ngh\u1ecb mua nh\u00e0 (offers)<\/strong>.<\/p>\n\n\n\n Vi\u1ec7c \u0111\u1ec1 ngh\u1ecb n\u00e0y c\u1ea7n l\u00e0m m\u1ed9t c\u00e1ch t\u1ed1t nh\u1ea5t c\u00f3 th\u1ec3 v\u00ec b\u1ea1n c\u00f3 th\u1ec3 ph\u1ea3i n\u00e2ng gi\u00e1 cao h\u01a1n gi\u00e1 b\u00e1n n\u1ebfu c\u00f3 nhi\u1ec1u ng\u01b0\u1eddi mu\u1ed1n mua c\u0103n nh\u00e0 \u0111\u00f3. N\u1ebfu b\u00ean b\u00e1n nh\u00e0 ch\u1ea5p nh\u1eadn \u0111\u1ec1 ngh\u1ecb c\u1ee7a b\u1ea1n th\u00ec ph\u1ea3i \u0111\u01b0a ti\u1ec1n cho m\u1ed9t \u201c\u0111\u1ea1i l\u00fd k\u00fd qu\u1ef9 (escrow agent)<\/strong>\u201d v\u00e0 so\u1ea1n th\u1ea3o th\u01b0 \u0111\u1ec1 ngh\u1ecb<\/strong> \u0111\u1ec3 mua nh\u00e0.<\/p>\n\n\n\n N\u1ebfu ng\u01b0\u1eddi b\u00e1n ch\u1ea5p thu\u1eadn th\u00ec th\u01b0 n\u00e0y s\u1ebd tr\u1edf th\u00e0nh r\u00e0ng bu\u1ed9c minh ch\u1ee9ng cho vi\u1ec7c giao d\u1ecbch. Vi\u1ec7c \u0111\u01b0a gi\u00e1 \u0111\u1ec1 ngh\u1ecb s\u1ebd d\u1ec5 c\u00f3 ph\u1ea7n th\u1eafng n\u1ebfu nh\u01b0 bao g\u1ed3m c\u1ea3 th\u01b0 ch\u1ea5p thu\u1eadn vay th\u1ebf ch\u1ea5p ho\u1eb7c \u0111\u1eb7t m\u1ed9t kho\u1ea3n ti\u1ec1n l\u1edbn cho \u201cescrow agent\u201d. <\/p>\n\n\n\n Escrow Agent l\u00e0 m\u1ed9t b\u00ean th\u1ee9 ba trung gian nh\u1eb1m gi\u00fap b\u1ea1n ho\u00e0n t\u1ea5t gi\u1ea5y t\u1edd, n\u1ee3 n\u1ea7n, v\u00e0 b\u1ea1n s\u1ebd chuy\u1ec3n h\u1ebft s\u1ed1 ti\u1ec1n mua nh\u00e0 \u0111\u1ec3 ho\u00e0n th\u00e0nh vi\u1ec7c mua nh\u00e0 v\u00e0 h\u1ee3p th\u1ee9c h\u00f3a vi\u1ec7c chuy\u1ec3n ch\u1ee7 quy\u1ec1n qua cho b\u1ea1n sau n\u00e0y. Nh\u1eefng c\u00f4ng ty n\u00e0y s\u1ebd \u0111\u1ea3m b\u1ea3o v\u00e0 b\u1ea3o hi\u1ec3m cho b\u1ea1n n\u1ebfu nh\u01b0 c\u0103n nh\u00e0 b\u1ea1n \u0111ang mua kh\u00f4ng b\u1ecb v\u01b0\u1edbng v\u00e0o c\u00e1c v\u1ee5 ki\u1ec7n c\u00e1o v\u00e0 tranh ch\u1ea5p t\u1eeb c\u00e1c m\u00f3n n\u1ee3 c\u1ee7a ng\u01b0\u1eddi b\u00e1n.<\/p>\n\n\n\n Khi gi\u00e1 \u0111\u1ec1 ngh\u1ecb \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn b\u1edfi ng\u01b0\u1eddi b\u00e1n nh\u00e0 th\u00ec b\u1ea1n v\u00e0 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n s\u1ebd nh\u1edd nh\u1eefng chuy\u00ean vi\u00ean \u0111\u1ec3 th\u1ea9m \u0111\u1ecbnh l\u1ea1i c\u0103n nh\u00e0. B\u1ea1n s\u1ebd ph\u1ea3i tr\u1ea3 ti\u1ec1n ph\u00ed cho chuy\u00ean vi\u00ean n\u00e0y v\u00e0 h\u1ecd s\u1ebd gi\u00fap b\u1ea1n ki\u1ec3m tra c\u0103n nh\u00e0.<\/p>\n\n\n\n C\u00e1c \u201cInspectors\u201d<\/strong> s\u1ebd x\u00e1c \u0111\u1ecbnh xem c\u0103n nh\u00e0 c\u00f3 b\u1ecb h\u01b0 h\u1ea1i b\u00ean trong, c\u00f3 b\u1ecb b\u1ea5t k\u1ef3 ch\u1ea5t g\u00e2y \u00f4 nhi\u1ec5m c\u00f3 h\u1ea1i n\u00e0o trong nh\u00e0 nh\u01b0 s\u01a1n ch\u00ec ho\u1eb7c h\u00f3a ch\u1ea5t. T\u00f9y thu\u1ed9c v\u00e0o k\u1ebft qu\u1ea3 c\u1ee7a ki\u1ec3m tra th\u00ec b\u1ea1n c\u00f3 th\u1ec3 y\u00eau c\u1ea7u ng\u01b0\u1eddi b\u00e1n trang tr\u1ea3i chi ph\u00ed s\u1eeda nh\u00e0, h\u1ea1 gi\u00e1 nh\u00e0, ho\u1eb7c tr\u1ea3 ti\u1ec1n cho \u201cclosing cost\u201d<\/p>\n\n\n\n Khi vi\u1ec7c \u0111\u00e0m ph\u00e1n mua nh\u00e0 \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn b\u1edfi hai b\u00ean th\u00ec s\u1ebd ti\u1ebfn h\u00e0nh giai \u0111o\u1ea1n cu\u1ed1i l\u00e0 \u201cclosing\u201d. T\u1ea1i th\u1eddi \u0111i\u1ec3m n\u00e0y th\u00ec b\u1ea1n l\u1ea1i c\u0169ng c\u1ea7n ph\u1ea3i thu\u00ea m\u1ed9t b\u00ean th\u1ee9 3 \u0111\u1ec3\u00a0th\u1ea9m \u0111\u1ecbnh v\u00e0 \u0111\u1ecbnh gi\u00e1 c\u0103n nh\u00e0 (appraisal)<\/strong>.<\/p>\n\n\n\n Theo gi\u00e1 th\u1ecb tr\u01b0\u1eddng th\u00ec b\u1ea1n s\u1ebd ph\u1ea3i tr\u1ea3 3% ti\u1ec1n gi\u00e1 tr\u1ecb c\u1ee7a c\u0103n nh\u00e0<\/strong> cho chi ph\u00ed \u0111\u00f3ng c\u1eeda (closing costs). V\u00ed d\u1ee5 \u1edf California th\u00ec chi ph\u00ed n\u00e0y c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn $15k \u0111\u00f4 la m\u1ef9. C\u00e1c ng\u00e2n h\u00e0ng cho vay ti\u1ec1n nh\u01b0 BOA, Chase, ho\u1eb7c Citi \u0111\u00f4i khi c\u00f3 kho\u1ea3n tr\u1ee3 gi\u00fap l\u00ean \u0111\u1ebfn $10k cho vi\u1ec7c \u201cclosing cost.\u201d<\/p>\n\n\n\n B\u1ea1n s\u1ebd th\u1eafc m\u1eafc l\u00e0 \u201cClosing costs\u201d l\u00e0 c\u00e1i g\u00ec m\u00e0 m\u1eafc v\u1eady? C\u00e1c chi phi bao g\u1ed3m trong n\u00e0y nh\u01b0 thu\u1ebf chuy\u1ec3n nh\u01b0\u1ee3ng, thu\u1ebf t\u00e0i s\u1ea3n, ph\u00ed th\u1ebf ch\u1ea5p, ph\u00ed gi\u1ea5y t\u1edd\u2026<\/p>\n\n\n\n B\u1ea1n \u1edf Vi\u1ec7t Nam th\u00ec c\u00f3 mua nh\u00e0 \u1edf M\u1ef9 \u0111\u01b0\u1ee3c kh\u00f4ng?<\/strong><\/p>\n\n\n\n Cho d\u00f9 b\u1ea1n \u1edf b\u1ea5t c\u1ee9 \u0111\u00e2u tr\u00ean th\u1ebf gi\u1edbi th\u00ec \u0111\u1ec1u c\u00f3 th\u1ec3 mua \u0111\u01b0\u1ee3c nh\u00e0 \u1edf M\u1ef9 ngo\u1ea1i tr\u1eeb m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t. B\u1ea1n c\u0169ng c\u00f3 th\u1ec3 l\u00e0m h\u1ed3 s\u01a1 m\u01b0\u1ee3n n\u1ee3 ng\u00e2n h\u00e0ng \u0111\u1ec3 mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u1ea7u t\u01b0, cho thu\u00ea ho\u1eb7c cho con c\u00e1i \u0111i h\u1ecdc \u1edf M\u1ef9.<\/p>\n\n\n\n Mua nh\u00e0 b\u1eb1ng ti\u1ec1n m\u1eb7t?<\/strong><\/p>\n\n\n\n B\u1ea1n ph\u1ea3i hi\u1ec3u r\u00f5 kh\u00e1i ni\u1ec7m ti\u1ec1n m\u1eb7t \u1edf \u0111\u00e2y l\u00e0 ti\u1ec1n b\u1ea1n \u0111\u1ec3 trong t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng v\u00ec c\u00f3 ngu\u1ed3n g\u1ed1c r\u00f5 r\u00e0ng. M\u1ed9t c\u00e1ch kh\u00e1c l\u00e0 ti\u1ec1n \u201cqu\u00e0 t\u1eb7ng (gifts)\u201d t\u1eeb ng\u01b0\u1eddi quen, b\u1ea1n b\u00e8\u2026 V\u00ed d\u1ee5 nh\u01b0 n\u1ebfu b\u1ea1n \u0111i l\u00e0m ngh\u1ec1 t\u1ef1 do c\u00f3 nhi\u1ec1u ti\u1ec1n m\u1eb7t th\u00ec c\u00f3 th\u1ec3 nh\u1edd ng\u01b0\u1eddi t\u1eb7ng ti\u1ec1n cho m\u00ecnh kho\u1ea3n 9k m\u1ed9t n\u0103m v\u00f4 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng.<\/p>\n\n\n\n Vi\u1ec7c mua nh\u00e0 b\u1eb1ng ti\u1ec1n m\u1eb7t kh\u00f4ng ph\u1ea3i l\u00e0 b\u1ea1n giao m\u1ed9t vali ti\u1ec1n cho ng\u01b0\u1eddi b\u00e1n nh\u00e0 m\u00e0 l\u00e0 s\u1eed d\u1ee5ng ng\u00e2n h\u00e0ng \u0111\u1ec3 giao d\u1ecbch v\u00e0 ti\u1ec1n trong ng\u00e2n h\u00e0ng c\u1ee7a b\u1ea1n l\u00e0 ti\u1ec1n m\u1eb7t (cash). N\u1ebfu nh\u01b0 b\u1ea1n c\u00f3 \u0111\u1ee7 ti\u1ec1n m\u1eb7t trong ng\u00e2n h\u00e0ng th\u00ec vi\u1ec7c mua nh\u00e0 \u1edf M\u1ef9 kh\u00e1 nhanh trong v\u00f2ng 5 -14 ng\u00e0y.<\/p>\n\n\n\n Thu\u1ebf b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00e0 bao nhi\u00eau?<\/strong><\/p>\n\n\n\n \u201cProperty tax\u201d s\u1ebd t\u00f9y theo m\u1ed7i ti\u1ec3u bang c\u1ee7a M\u1ef9 n\u01a1i m\u00e0 b\u1ea1n \u0111ang \u1edf. C\u1ed9ng th\u00eam t\u00f9y theo th\u00e0nh ph\u1ed1 th\u00ec c\u0169ng c\u00f3 th\u1ec3 th\u00eam c\u00e1c kho\u1ea3n thu\u1ebf nh\u1ecf kh\u00e1c. V\u00ed d\u1ee5 nh\u01b0 \u1edf California th\u00ec thu\u1ebf b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u00f3 th\u1ec3 kho\u1ea3n 1.20% cho gi\u00e1 tr\u1ecb c\u0103n nh\u00e0.<\/p>\n\n\n\n Mua nh\u00e0 \u1edf M\u1ef9 c\u00f3 \u0111\u01b0\u1ee3c \u0111\u1ecbnh c\u01b0 hay kh\u00f4ng?<\/strong><\/p>\n\n\n\n Vi\u1ec7c mua nh\u00e0 \u1edf m\u1ef9 s\u1ebd kh\u00f4ng gi\u00fap cho b\u1ea1n c\u00f3 \u0111\u01b0\u1ee3c \u0111\u1ecbnh c\u01b0. N\u1ebfu mu\u1ed1n \u0111\u1ecbnh c\u01b0 th\u00ec b\u1ea1n ph\u1ea3i \u0111\u01b0\u1ee3c b\u1ea3o l\u00e3nh theo di\u1ec7n l\u00e0 con c\u00e1i c\u1ee7a c\u00f4ng d\u00e2n m\u1ef9, th\u01b0\u1eddng tr\u00fa nh\u00e2n m\u1ef9, ho\u1eb7c l\u00e0 h\u00f4n th\u1ec3 c\u1ee7a c\u00f4ng d\u00e2n m\u1ef9 v\u00e0 th\u01b0\u1eddng tr\u00fa nh\u00e2n m\u1ef9\u2026<\/p>\n\n\n\n Vi\u1ec7c \u0111\u1ea7u t\u01b0 v\u00e0o b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u00f4ng qua ch\u01b0\u01a1ng tr\u00ecnh EB-5 c\u0169ng l\u00e0 m\u1ed9t c\u00e1ch gi\u00fap b\u1ea1n v\u1eeba \u0111\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u1edf M\u1ef9 v\u00e0 \u0111\u01b0\u1ee3c \u0111\u1ecbnh c\u01b0 \u1edf M\u1ef9. Vi\u1ec7c b\u1ea1n mua nh\u00e0 \u1edf M\u1ef9 c\u00f3 l\u1ee3i \u00edch \u0111\u00f3 l\u00e0 gi\u00fap b\u1ea1n c\u00f3 th\u1ec3 \u0111i du l\u1ecbch M\u1ef9 d\u1ec5 d\u00e0ng, ho\u1eb7c con b\u1ea1n \u0111i du h\u1ecdc \u1edf M\u1ef9\u2026<\/p>\n","protected":false},"excerpt":{"rendered":" Vi\u1ec7c mua nh\u00e0 \u1edf M\u1ef9 \u0111\u00f2i h\u1ecfi m\u1ed9t qu\u00e1 tr\u00ecnh d\u00e0i v\u00e0 nhi\u1ec1u gi\u1ea5y t\u1edd ph\u1ee9c t\u1ea1p. H\u00f4m nay m\u00ecnh xin chia s\u1ebb nh\u1eefng kinh nghi\u1ec7m mua nh\u00e0 \u1edf M\u1ef9 \u0111\u1ec3 b\u1ea1n c\u00f3 c\u00e1i nh\u00ecn t\u1ed5ng qu\u00e1t. T\u1eeb \u0111\u00f3 b\u1ea1n s\u1ebd hi\u1ec3u r\u00f5 v\u00e0 \u0111\u1ee1 g\u1eb7p ph\u1ea3i nh\u1eefng r\u1eafc r\u1ed1i kh\u00f4ng c\u1ea7n thi\u1ebft. 1. \u0110\u00e1nh […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"_links":{"self":[{"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/posts\/71"}],"collection":[{"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/comments?post=71"}],"version-history":[{"count":0,"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/posts\/71\/revisions"}],"wp:attachment":[{"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/media?parent=71"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/categories?post=71"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/tags?post=71"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}3. Xu H\u01b0\u1edbng Th\u1ecb Tr\u01b0\u1eddng B\u1ea5t \u0110\u1ed9ng S\u1ea3n \u1edf \u0110\u1ecba Ph\u01b0\u01a1ng<\/h2>\n\n\n\n
4. Ph\u1ea3i c\u00f3 m\u1ed9t th\u1ebf ch\u1ea5p \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn tr\u01b0\u1edbc (Pre-approved Mortgage)<\/h2>\n\n\n\n
5. Ki\u1ebfm Nh\u00e0 \u0110\u1ec3 Mua<\/h2>\n\n\n\n
6. Kinh Nghi\u1ec7m Mua Nh\u00e0 Khi \u0110\u01b0a ra Gi\u00e1 \u0110\u1ec1 Ngh\u1ecb<\/h2>\n\n\n\n
7. Ki\u1ec3m Tra Nh\u00e0 V\u00e0 Th\u01b0\u01a1ng L\u01b0\u1ee3ng<\/h2>\n\n\n\n
8. Kinh Nghi\u1ec7m Mua Nh\u00e0 Khi Ho\u00e0n Th\u00e0nh Giao D\u1ecbch<\/h2>\n\n\n\n
9. Kinh Nghi\u1ec7m Mua Nh\u00e0 V\u1edbi Ng\u01b0\u1eddi N\u01b0\u1edbc Ngo\u00e0i<\/h2>\n\n\n\n