અમેરિકા માં ઘર લેવાની શું પ્રોસેસ હોય છે? | શું ઘરના ભાવ ઘટશે? | સારું લોકેશન કઈ રીતે નક્કી કરવું? |
Vložit
- čas přidán 18. 11. 2023
- અમેરિકા માં ઘર લેવાની શું પ્રોસેસ હોય છે? | શું ઘરના ભાવ ઘટશે? | સારું લોકેશન કઈ રીતે નક્કી કરવું? |
Nirav Dhamsania WhatsApp number : 978-290-2385
મિત્રો સ્વાગત છે તમારું એક નવા ગુજરાતી પોડકાસ્ટ માં.
આ વીડિયો માં આપને અમેરિકામાં ઘર લેવા વિશે ઘણીબધી માહિતી મળશે.
આ વીડિયો માં કેટલાક અગત્યના પ્રશ્નો કવર કરવામાં આવ્યા છે જેમકે.
1. શું આ ઘર લેવા માટે યોગ્ય સમય છે? કે માર્કેટ ક્રેશ થાય તેની રાહ જોવી જોઈએ?
2. ઘરની લોન કેટલા પ્રકારની હોય છે અને કઈ લોન સારી?
3. રિયલ એસ્ટેટ એજન્ટ રાખવો સારો કે જાતેજ ઘર લઈ લેવું? કેટલી ફી આપવી પડે?
4. શું હોમ ઇન્સ્પેકસન કરાવવું જોઈએ? કેટલો ખર્ચો થાય?
5. ઘર લેવા માટે સારું લોકેશન કઈ રીતે નક્કી કરવું?
6. ઘર લીધા પછી બીજા કયા અને કેટલા ખર્ચા થતા હોય છે?
7. Escrow એટલે શું? Title 5 શું છે?
8. શું ઘર લેવા overbidding કરવું જરૂરી છે?
9. Foreclosure વાળું ઘર લેવું જોઇએ કે નહીં?
10. પ્રી અપ્રુવલ વિશે માહિતી
11. અન્ય ઘણી બધી માહિતી તમને આ વીડિયો માંથી મળશે.
આપના મિત્રો કે પરિવાર કે જે અમેરિકા માં રહેછે અને ઘર બાય કરવાના હોય તેમને આ માહિતી સભર વીડિયો જરૂરથી શેર કરજો મિત્રો.
આપને અન્ય કોઈ પ્રશ્નો હોય તો કોમેન્ટ માં જરૂરથી લખજો ✍️.
Welcome to your Gujarati CZcams channel from America Jagya Tyarthi Bhagya (જાગ્યા ત્યાર થી ભાગ્યા)
Jagya Tyarthi Bhagya is a Gujarati (language) sentence. Which means we wake up and we get to work (keep running).
Please share this video to your friends and family if you liked it. You can share this video to your WhatsApp groups, Facebook, Twitter, Instagram, Telegram groups.
Social Media:
linktr.ee/amitukani
Instagram : / ukani_amit
Twitter: / ukaniamit
Facebook: / jagya-tyarthi-bhagya-1...
#JAGYATYARTHIBHAGYA
#amitukani
#gujarati
Looking forward to see you guys in next CZcams Video.
Love you All
Amit ( Living in USA ફિર ભી દિલ હૈ હિન્દુસ્તાની )
Music credit: Epidemic Sound share.epidemicsound.com/ww41zy
Vlogging Gear:
Mic: amzn.to/44u70JQ
Wireless Mic: amzn.to/3PenyRu
Ring Light: amzn.to/3QRMiAo
Selfie Stick: amzn.to/3QUNQcQ
Gimbal: amzn.to/47KaBGB
Drone: amzn.to/3ONkE4S
Tripod: amzn.to/47HX5TE
DSLR camera: amzn.to/47NhiHM
GoPro Camera: amzn.to/44ynTTr
Insta 360 GO3 Action Camera:amzn.to/3qSvTRB
iPhone: amzn.to/3L0sSpg
External Hard Drive: amzn.to/3L3dIzt
Power Bank: amzn.to/3YR1j7k
વ્લોગ દ્વારા નીરવભાઈ ની મુલાકાત પણ થઈ
નીરવભાઈ માર્ગદર્શન આપવા બદલ આભાર ✨🙏🏻
Good information
Thank you 🙏
બહુ સારી માહીતિ.
Thank you Didarbhai 🙏
અમિતભાઈ કનેક્ટિકટ મા અમારો પરિવાર ખુબજ મોટો છે
અમે બાધા એ એટલે કે ટોટલ - 13 condominium લીધા છે બધા જ એજન્ટ થ્રુ જ લીધા છે
અને અમે જે આ ઘર બિલ્ડ કરિયું તે પણ એજન્ટ થ્રુ જ
Great information
I m from Massachusetts
Very very informative and interesting video...👍👌
Thank you Parul Ben 🙏
Thank you Amitbhai. Good video.
Thank you Dakshaben 🙏
Good impharmeshan
Thank you 🙏
Good & details information 👍
Thank you so much 🙏
Very nice 👍 U S A
Thank you 🙏
Thank you so much 🙏good information
Thank you 🙏
Web site adds please display more frequently to facilate all to know more about your activity
Very good and useful information thank you very much 🙏🏻🙏🏻
Thank you 🙏
👍🏻
🙏
Very nice information 👌👍
Thank you 🙏
અમિત ભાઈ ગુજરાતી ઓ વધારે ક્યાં એરિયા માં રેતા હસે મતલબ ક્યાં સીટી માં
અમેરિકામાં ગુજરાતીઓ આપને દરેક સ્ટેટ માં જોવા મળશે. વધુ ગુજરાતીઓ ન્યુ જર્સી, ન્યુ યોર્ક, એટલાન્ટા, ફ્લોરિડા, શિકાગો, કેલિફોર્નિયા, ટેક્સાસ, બોસ્ટન વગેરે જગ્યાએ જોવા મળશે.
જય શ્રી કૃષ્ણ 🙏🏻
જય શ્રી કૃષ્ણ સીમા બેન 🙏
Very well explained, I appreciate for sharing this video.God bless you from Texas.👍👍
Glad it was helpful to you. Thank you for your wonderful feedback 🙏
Great information 👍 Thanks Amitbhai.🙂
I am glad that was helpful. Thanks to Nirav Bhai for providing valuable information.
Thank you 😊
Thank you 🙏
Hey Amit, this is your best video so far for me as a business owner. Nirav answered all first time home buyers questions that you have asked and I agreed with his response. One thing I would like to share to first time home owners, please wait couple of years due to market will crash based on current US involvement with Russia and Ukraine war. Save some hard cash and take good advantage during that time buying. Many of big companies started laying off employees already. This is just an indication. I am just giving my input since Amit and I went to school together. Thanks-Prakash 👍
Hello Prakash. Thank you for your compliments 🙏. All credit goes to Nirav for his inputs and all the information he provided in this video. Waiting for 2 years may not be the right option for everyone. We can’t predict what’s going to happen tomorrow. One should buy home when that person is ready to buy. That’s just my thought.
Price rise in 30 years of home in USA .
Nice interview - practical and informative. The process is professional and much different from Indian market. Indian realtors are now being regulated. The process of home inspection is very welcome! Furnace and other basics are properly checked so that the buyer is not cheated.
Thank you Sirji 🙏. Yes home inspection is a very crucial step in home buying process 👍
નીરવભાઈ એ સરસ રીતે સમજાવીયુ USA મા ઘર લેતા પહેલાની જે પ્રોસેશ કહી તે કરવી જ જોઈએ અને
ઘર એજન્ટ થ્રૂ લેવું અને વેચવું જોઈએ ✨
Thank You
Disability ના બેનિફિટ જણાવશો કેલિોર્નિયાના
@@NiravDhamsaniaમેહરબાની કરી ને અપંગતા ના લાભ કેલિોર્નિયાના જણાવશો
People who are not buying because interest rate is high let me say... you can re-negotiate and re finance interest rates down when interest comes down so if you can buy a house now and are able to re-negotiate prices the buy and dont worry about high interest rate since that can be refinanced as rates goes down.
It is short term hit with high interest rate but long term will always be beneficial
Thank you for sharing your thoughts and inputs Tulan Bhai. Appreciate.
First time home buyer ne kaya kaya benefits made chhe
Tax ma pan kae faydo thay kharo
Rakeshbhai there are several tax benefits available to first-time homebuyers. These benefits can help to make homeownership more affordable by reducing the amount of taxes you owe.
Federal tax benefits
Mortgage interest deduction: You can deduct the interest you pay on your mortgage up to $750,000 of debt ($375,000 if you are filing separately) from your taxable income. This deduction can save you hundreds or even thousands of dollars in taxes each year.
Mortgage credit certificate (MCC): The MCC is a refundable tax credit that is available to first-time homebuyers with low and moderate incomes. The credit can be worth up to $2,000 per year and can reduce your tax liability dollar for dollar.
Penalty-free IRA withdrawals: First-time homebuyers can withdraw up to $10,000 from their traditional or Roth IRA without having to pay a 10% early withdrawal penalty. This can be a valuable source of funds for a down payment or other closing costs.
State and local tax benefits
In addition to the federal tax benefits, many states and localities also offer tax incentives for first-time homebuyers. These incentives can vary widely from state to state, but they may include:
Property tax deductions: You can deduct the property taxes you pay on your home from your taxable income. The amount of the deduction is limited to $10,000 per year.
State and local first-time homebuyer credits: Many states offer tax credits to first-time homebuyers. The amount of the credit varies from state to state, but it is typically a percentage of the purchase price of the home.
Down payment assistance programs: Some states and localities offer down payment assistance programs that can help first-time homebuyers afford a down payment on their home. These programs may offer grants, loans, or other forms of assistance.
How to claim these benefits
To claim these tax benefits, you will need to itemize your deductions on your federal income tax return. You can also claim the state and local tax benefits on your state and local income tax returns.
You have to consult with a tax advisor to determine which tax benefits you are eligible for and how to claim them.
Best wishes.
Thanks
Yek bija ne shath aapine bharatiyo ne revoo ne shapot aapvo jayare ghar levani shakti aavetyare jetebhaine ghar levoo joiye /aapnha vadilo noo ghanhit pramanhe vyaj shookam bharavoo? 1/2ne,shapot,karo,revado,ne,aanad,thibhegharaho/aanad,aavashe
Mitro jaroor hoy ne shaghvad hoy to gharanoo ghar lailevoo joiye
Lawyer +. Seller + inspector . All 3 madi gayelaa hoi che. Major problem hide kare k different rite represent kare che. ..
Radon +. Termite issue very important. If. Radon +. Termite house. Do not buy. Do not buy termite and radon home ..?
Can we buy. Termite infected. House 🏡?????
Amitbhai, I am living in New Jersey in one room ln rent of 1900$ like living in Ahmedabad village area!!! Them how you tell USA is great country???
Hello Dharmeshbhai. New Jersey is very beautiful State and I call it Gujarat of America. Thank you for sharing rent current rent price. Through my videos I try to share my experiences in USA. હું અમેરિકા જેવું છે તેવું જ બતાવું છું. અમેરિકા માં કેટલો ખર્ચો થાય? અમેરિકા માં શું સારું નથી તેવા વિષયો પર પણ વીડિયો બનાવ્યા છે. ભારત અને અમેરિકા બંને સારા દેશો છે. તમારો પરિવાર જ્યાં હોય અને જ્યાં મજા આવે ત્યાં રહેવાય 👍
અમિતભાઈ કદાચ ચૂટણિ November 2024 પછી
જો સરકાર બદલાય તો
કદાચ ઘર ની પ્રાઈસ થોડી ઓછી થાય તેવું બને ??
મને નથી લાગતું કે ઘરના ભાવ ચૂંટણી પછી ઘટશે સીમાબેન.
@@JagyaTyarthiBhagya
COVID પછી પ્રોપર્ટી ના ખુબજ ભાવ વધી ગયા છે
USDA Loan want to know
A USDA loan is a government-backed mortgage program administered by the U.S. Department of Agriculture (USDA) through its Rural Development branch. It's designed to make homeownership more affordable for low- and moderate-income households in eligible rural areas.
Here are some key features of USDA loans:
Zero-down payment option: This is a major draw for many potential borrowers, as it allows you to purchase a home without having to come up with a down payment. However, you may still need to pay closing costs.
Lower interest rates: USDA loans typically offer lower interest rates than conventional mortgages, making them even more affordable.
Income restrictions: To qualify for a USDA loan, your household income must fall within certain limits. These limits vary depending on the location of the property and the number of people in your household.
Eligible areas: Not all rural areas qualify for USDA loans. You can use the USDA's eligibility map to see if the property you're interested in is located in an eligible area.
Types of loans: There are two main types of USDA loans:
Guaranteed Loan Program: This is the most common type of USDA loan. Under this program, the USDA guarantees a portion of the loan to the lender, making it more likely that they will approve you for a loan even if you have a lower credit score or smaller down payment.
Direct Loan Program: This program is for very low-income borrowers who cannot qualify for a traditional mortgage. The USDA makes the loan directly to the borrower.
Here are some resources where you can learn more about USDA loans:
USDA Rural Development website: www.rd.usda.gov/
USDA Eligibility map: eligibility.sc.egov.usda.gov/
NerdWallet: www.nerdwallet.com/article/mortgages/usda-loan
અમો એ કોઇ એ ભાળા ભર્યા નથી એક બીજા ને વર્ષ દોઢ વર્ષ સાથે રાખી ને બધા સીધા ઘર ના ઘર મા જ રહેવા ગયા
Hi
Hi
New jourcy ma banglow hoy n bye karvo hoy to thay mari dikri no che
Please try to connect with local Realtor in New Jersey. They will be able to guide you properly.
@@JagyaTyarthiBhagya ok
Usa maa maraket divashe divashe kam, thatoojashe puriduniya maa mandi6,usa,joyoonathi,shaghvad,hoy,to,lailevoo,manditejeechaliyaakare,makankarata,jamino,lejo,bhai,ghamdaomaa,pudhavipar/4bhagh,mathi1bhaghaj,jamin6,usamajaminolo,ghametiyaa,shashtihoytiyaa,janghalmaamanghalbanavide6goojarati,h,k,aravali,dhanshura,
Seller ane buyer ne bhega na karva nu main reason price negotiate kari ne down jai to agent ni fees ghati jai.
I think agent has best interest representing their clients. Most agents focus on providing valued service to their clients rather then on commissions. They should be paid fair for their services. No seller is going to sell less than market price and no buyer is going to buy if the price of property is beyond their budget. The best way to negotiate is through your agent unless the property is FSBO and you don’t have any agent. FSBO = FOR SALE BY OWNER. Most FSBO properties don’t have realtor representing them.
@@JagyaTyarthiBhagya I definitely agree with your reply. It depends on what side of the process I am on, if I am a seller's agent in the process my job will be to get the most for my client, and same if I am on the buyer side of the process my job will be to get the best for my buyer client. Most buyer and seller always focus on the selling price, but there is a lot more involved in the process besides money. A lot of time it is the closing time frame for the buyers and sellers as well. For example seller might even accept a lower seller price offer if one of the buyer is agreeing to their terms of closing early or even closing later if the seller needs time to find a house themselves to move into. So it is not just the money that is involved in the process.
મને ગમતો વ્લોગ આવિયો છે પહેલા આખો વ્લોગ જોય લયે ✨
Appreciate
આપનો ખૂબ ખૂબ આભાર 🙏
Thank you 🙏
ખુબ સરસ ઇન્ફર્મેશન
મને પણ અમેરિકા ના વિઝા મળ્યા છે તો હું પણ આવવા નો શું
અમિત ભાઈ મારા મન માં જેટલા સવાલ હતા તે બધાજ તમે પૂછી લીધા.ઘણોજ માહિતી આપતો વિડિયો છે.એડિસન, ઇસલીન માં માર્કેટ કેવું છે જણાવજો.
આભાર કૌશિક ભાઇ 🙏 ઇસલીન ની માહિતી તો તમને કોઈ લોકલ વ્યક્તિ જ આપી શકશે. શુભેચ્છાઓ.
Tame lidhu ghar 🤔🤔🤔
હા ધ્રુવ ભાઇ . Don’t forget to congratulate me 😊
100 % cash buying mate su abhipray chhe?
Levu Joie
It will depends if you are purchasing for primary resident property (One you will be purchasing for yourself to live in)or for investment (One you will be purchasing to rent to others or fix and sell, and you will not be living there fulltime). If purchasing with all cash the bank aspect of the process are eliminated from the process and can speed up the process and gives a lot of flexibility to the buyers. In a all cash purchase a proof of funds is required before starting the house search process.
Thanks for letting me know
અમિતભાઈ ,તમારો આ વીડિયો ખૂબ માર્ગદર્શક છે.મારે કેટલાક પ્રશ્નો છે તેનો મને જવાબ આપવા નમ્ર વિનંતિ છે .
(1) what is Origination Point?
(2) What is Estimated Prepaids?
(3)What is PMI,MIP, Funding Fee?
Hello Kinjal
These are all bank loan related questions I will answer your question to my personal knowledge and not as professional advice. It is best to take a loan officer for a specific loan question.
1) Origination point: Are fees charged by a bank to cover fees and cost for processing the loan. Sometimes it covers costs like appraisal costs, underwriting etc. Each bank will have different fees structure on what is part of this fees and what is not. This Changes from bank to bank and even based on what loan program you qualify for depending on your income, credit, debit, credit score, etc.
2) Estimated Prepaid: These are funds collected by the bank and placed in escrow to cover for the next year's payment of each individual expense. Items covered under this can be home insurance, town property tax, flood insurance, etc. The amount required for prepaid will be based on the final house selling price and borrowed amount. Most times a buyer will get these final numbers a few days before closing. Buyer can get an idea of what the estimated pre paid amount will be but that changes from house to house, so the final number will be provided by the bank to the buyer a few days before closing.
3)PMI, MIP, funding fees : This is very specific to what loan program a buyer qualified for. Some are optional, and some are mandatory from the bank depending on what loan program the buyer is getting.
The best thing is to apply for a home loan first and then find out what the buyer qualifies for and then go from there. A lot of this might not even apply to all buyers. Once you have applied for the loan and got the pre approval letter ask more specific questions to your loan officer to get the best professional advice on the loan program.
Thank you Nirav 🙏
Tamaro M number ?
Nirav’s WhatsApp number is in the description 👍
Good information
Thank you 🙏
Good information
Thank you 🙏