{"id":2317,"date":"2024-09-29T01:02:51","date_gmt":"2024-09-29T05:02:51","guid":{"rendered":"http:\/\/vuthanhnamduc.com\/?p=2317"},"modified":"2024-09-29T01:02:53","modified_gmt":"2024-09-29T05:02:53","slug":"chi-phi-can-biet-khi-mua-nha-500000-usd-o-maryland","status":"publish","type":"post","link":"http:\/\/vuthanhnamduc.com\/index.php\/2024\/09\/29\/chi-phi-can-biet-khi-mua-nha-500000-usd-o-maryland\/","title":{"rendered":"Chi Ph\u00ed C\u1ea7n Bi\u1ebft Khi Mua Nh\u00e0 500,000 USD \u1edf Maryland"},"content":{"rendered":"\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Mua Nh\u00e0 L\u1ea7n \u0110\u1ea7u | Mua Nh\u00e0 $500k C\u1ea7n Chu\u1ea9n B\u1ecb Bao Nhi\u00eau? L\u1ea1i Chuy\u1ec7n Pay Off\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/Ga0zeg2MIYo?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p>Q &#8211; H\u1ecfi: T\u00f4i mu\u1ed1n mua c\u0103n nh\u00e0 single house $500,000 \u1edf Maryland v\u1eady \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n th\u00ec t\u00f4i ph\u1ea3i tr\u1ea3 c\u00e1c chi ph\u00ed g\u00ec v\u00e0 bao nhi\u00eau? list chi ti\u1ebft cho t\u00f4i k\u1ec3 c\u00e0 chi ph\u00ed chuy\u1ec3n nh\u00e0 v\u00e0 chi ph\u00ed \u01b0\u1edbc t\u00ednh cho Furniture.<\/p>\n\n\n\n<p>A &#8211; Tr\u1ea3 L\u1eddi: \u0110\u1ec3 x\u00e1c \u0111\u1ecbnh t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n khi mua m\u1ed9t c\u0103n nh\u00e0 gi\u00e1 $500,000 \u1edf Maryland, b\u1ea1n c\u1ea7n xem x\u00e9t nhi\u1ec1u lo\u1ea1i chi ph\u00ed. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 danh s\u00e1ch chi ti\u1ebft c\u00e1c chi ph\u00ed li\u00ean quan, bao g\u1ed3m c\u1ea3 chi ph\u00ed chuy\u1ec3n nh\u00e0 v\u00e0 \u01b0\u1edbc t\u00ednh cho \u0111\u1ed3 n\u1ed9i th\u1ea5t (furniture):<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. <strong>Chi ph\u00ed mua nh\u00e0<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Down payment (ti\u1ec1n \u0111\u1eb7t c\u1ecdc)<\/strong>: B\u1ea1n \u0111\u00e3 chu\u1ea9n b\u1ecb $30,000, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 6% gi\u00e1 tr\u1ecb c\u0103n nh\u00e0. M\u1ee9c \u0111\u1eb7t c\u1ecdc ti\u00eau chu\u1ea9n l\u00e0 20% (~$100,000) \u0111\u1ec3 tr\u00e1nh ph\u1ea3i tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m th\u1ebf ch\u1ea5p (PMI), nh\u01b0ng v\u1edbi m\u1ee9c 6%, b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 mua v\u1edbi kho\u1ea3n PMI.<\/li>\n\n\n\n<li><strong>Mortgage Insurance (PMI)<\/strong>: N\u1ebfu \u0111\u1eb7t c\u1ecdc d\u01b0\u1edbi 20%, b\u1ea1n s\u1ebd ph\u1ea3i tr\u1ea3 PMI. PMI th\u01b0\u1eddng t\u1eeb 0.5% \u0111\u1ebfn 1.5% gi\u00e1 tr\u1ecb kho\u1ea3n vay m\u1ed7i n\u0103m. N\u1ebfu vay $470,000 (gi\u00e1 nh\u00e0 tr\u1eeb $30,000), PMI c\u00f3 th\u1ec3 dao \u0111\u1ed9ng t\u1eeb $2,350 &#8211; $7,050 m\u1ed7i n\u0103m, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng $200 &#8211; $590 m\u1ed7i th\u00e1ng.<\/li>\n\n\n\n<li><strong>Closing costs (ph\u00ed \u0111\u00f3ng giao d\u1ecbch)<\/strong>: Th\u01b0\u1eddng t\u1eeb 2-5% gi\u00e1 tr\u1ecb c\u0103n nh\u00e0. V\u1edbi nh\u00e0 $500,000, chi ph\u00ed n\u00e0y \u01b0\u1edbc t\u00ednh kho\u1ea3ng <strong>$10,000 &#8211; $25,000<\/strong>. C\u00e1c ph\u00ed n\u00e0y bao g\u1ed3m ph\u00ed th\u1ea9m \u0111\u1ecbnh, ph\u00ed lu\u1eadt s\u01b0, ph\u00ed \u0111\u0103ng k\u00fd, b\u1ea3o hi\u1ec3m quy\u1ec1n s\u1edf h\u1eefu (title insurance), ph\u00ed ki\u1ec3m tra nh\u00e0 (home inspection), v\u00e0 c\u00e1c chi ph\u00ed kh\u00e1c.<\/li>\n\n\n\n<li><strong>Homeowners Insurance (b\u1ea3o hi\u1ec3m nh\u00e0)<\/strong>: Kho\u1ea3ng $1,000 &#8211; $1,500 m\u1ed7i n\u0103m, t\u00f9y v\u00e0o khu v\u1ef1c v\u00e0 gi\u00e1 tr\u1ecb nh\u00e0.<\/li>\n\n\n\n<li><strong>Property Taxes (thu\u1ebf b\u1ea5t \u0111\u1ed9ng s\u1ea3n)<\/strong>: Thu\u1ebf b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u1edf Maryland c\u00f3 m\u1ee9c trung b\u00ecnh kho\u1ea3ng 1.06% gi\u00e1 tr\u1ecb nh\u00e0 m\u1ed7i n\u0103m. V\u1edbi c\u0103n nh\u00e0 $500,000, thu\u1ebf s\u1ebd l\u00e0 kho\u1ea3ng <strong>$5,300<\/strong> m\u1ed7i n\u0103m, ho\u1eb7c kho\u1ea3ng <strong>$442 m\u1ed7i th\u00e1ng<\/strong>.<\/li>\n\n\n\n<li><strong>Homeowners Association (HOA) fees (n\u1ebfu c\u00f3)<\/strong>: N\u1ebfu c\u0103n nh\u00e0 n\u1eb1m trong khu c\u00f3 HOA, ph\u00ed n\u00e0y c\u00f3 th\u1ec3 t\u1eeb v\u00e0i tr\u0103m \u0111\u1ebfn v\u00e0i ngh\u00ecn \u0111\u00f4 la m\u1ed7i n\u0103m, t\u00f9y thu\u1ed9c v\u00e0o d\u1ecbch v\u1ee5 c\u1ee7a c\u1ed9ng \u0111\u1ed3ng.<\/li>\n\n\n\n<li><strong>Maintenance Costs (chi ph\u00ed b\u1ea3o tr\u00ec)<\/strong>: D\u1ef1 ph\u00f2ng kho\u1ea3ng 1% gi\u00e1 tr\u1ecb c\u0103n nh\u00e0 m\u1ed7i n\u0103m cho vi\u1ec7c b\u1ea3o tr\u00ec v\u00e0 s\u1eeda ch\u1eefa. \u0110\u1ed1i v\u1edbi nh\u00e0 $500,000, chi ph\u00ed n\u00e0y kho\u1ea3ng <strong>$5,000 m\u1ed7i n\u0103m<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. <strong>Chi ph\u00ed chuy\u1ec3n nh\u00e0<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Moving costs (ph\u00ed chuy\u1ec3n nh\u00e0)<\/strong>: Chi ph\u00ed n\u00e0y dao \u0111\u1ed9ng t\u00f9y thu\u1ed9c v\u00e0o kho\u1ea3ng c\u00e1ch v\u00e0 kh\u1ed1i l\u01b0\u1ee3ng \u0111\u1ed3 \u0111\u1ea1c. M\u1ed9t s\u1ed1 \u01b0\u1edbc t\u00ednh:\n<ul class=\"wp-block-list\">\n<li>Di chuy\u1ec3n n\u1ed9i \u0111\u1ecba: $1,000 &#8211; $5,000 (n\u1ebfu b\u1ea1n chuy\u1ec3n trong n\u1ed9i bang).<\/li>\n\n\n\n<li>Ph\u00ed thu\u00ea d\u1ecbch v\u1ee5 di chuy\u1ec3n \u0111\u1ed3 \u0111\u1ea1c ho\u1eb7c xe t\u1ea3i di chuy\u1ec3n: T\u1eeb <strong>$500 &#8211; $3,000<\/strong>, t\u00f9y v\u00e0o d\u1ecbch v\u1ee5 b\u1ea1n ch\u1ecdn.<\/li>\n\n\n\n<li>Ph\u00ed b\u1ea3o hi\u1ec3m v\u1eadn chuy\u1ec3n: Th\u01b0\u1eddng t\u1eeb $100 &#8211; $300.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. <strong>Chi ph\u00ed cho \u0111\u1ed3 n\u1ed9i th\u1ea5t (furniture)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>T\u00f9y thu\u1ed9c v\u00e0o s\u1ed1 l\u01b0\u1ee3ng v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng \u0111\u1ed3 n\u1ed9i th\u1ea5t, chi ph\u00ed n\u00e0y c\u00f3 th\u1ec3 r\u1ea5t kh\u00e1c nhau. M\u1ed9t s\u1ed1 \u01b0\u1edbc t\u00ednh c\u01a1 b\u1ea3n:\n<ul class=\"wp-block-list\">\n<li><strong>Ph\u00f2ng kh\u00e1ch<\/strong>: B\u1ed9 sofa, b\u00e0n tr\u00e0, tivi, k\u1ec7, th\u1ea3m c\u00f3 th\u1ec3 dao \u0111\u1ed9ng t\u1eeb <strong>$3,000 &#8211; $10,000<\/strong>.<\/li>\n\n\n\n<li><strong>Ph\u00f2ng ng\u1ee7<\/strong>: Gi\u01b0\u1eddng, n\u1ec7m, t\u1ee7 qu\u1ea7n \u00e1o, b\u00e0n \u0111\u1ea7u gi\u01b0\u1eddng c\u00f3 th\u1ec3 t\u1eeb <strong>$2,000 &#8211; $7,000<\/strong> m\u1ed7i ph\u00f2ng.<\/li>\n\n\n\n<li><strong>Ph\u00f2ng \u0103n<\/strong>: B\u00e0n, gh\u1ebf, \u0111\u00e8n trang tr\u00ed c\u00f3 th\u1ec3 t\u1eeb <strong>$1,500 &#8211; $5,000<\/strong>.<\/li>\n\n\n\n<li><strong>\u0110\u1ed3 nh\u00e0 b\u1ebfp<\/strong>: D\u1ee5ng c\u1ee5 nh\u00e0 b\u1ebfp, n\u1ed3i ni\u00eau, t\u1ee7 l\u1ea1nh, m\u00e1y r\u1eeda ch\u00e9n t\u1eeb <strong>$3,000 &#8211; $8,000<\/strong>.<\/li>\n\n\n\n<li><strong>V\u1eadt d\u1ee5ng ph\u1ee5<\/strong>: R\u00e8m c\u1eeda, \u0111\u1ed3 trang tr\u00ed, h\u1ec7 th\u1ed1ng \u00e2m thanh t\u1eeb <strong>$1,000 &#8211; $3,000<\/strong>.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>T\u1ed5ng chi ph\u00ed \u0111\u1ed3 n\u1ed9i th\u1ea5t c\u00f3 th\u1ec3 dao \u0111\u1ed9ng t\u1eeb <strong>$10,000 &#8211; $30,000<\/strong> t\u00f9y thu\u1ed9c v\u00e0o phong c\u00e1ch v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng b\u1ea1n ch\u1ecdn.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. <strong>C\u00e1c chi ph\u00ed kh\u00e1c<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Utility Setup Fees (ph\u00ed thi\u1ebft l\u1eadp d\u1ecbch v\u1ee5 ti\u1ec7n \u00edch)<\/strong>: Bao g\u1ed3m \u0111i\u1ec7n, n\u01b0\u1edbc, gas, internet. Ph\u00ed thi\u1ebft l\u1eadp c\u00f3 th\u1ec3 t\u1eeb <strong>$200 &#8211; $500<\/strong>.<\/li>\n\n\n\n<li><strong>Home Warranty (b\u1ea3o h\u00e0nh nh\u00e0)<\/strong>: N\u1ebfu b\u1ea1n mu\u1ed1n mua b\u1ea3o h\u00e0nh cho thi\u1ebft b\u1ecb v\u00e0 h\u1ec7 th\u1ed1ng c\u1ee7a c\u0103n nh\u00e0, chi ph\u00ed c\u00f3 th\u1ec3 t\u1eeb <strong>$300 &#8211; $600<\/strong> m\u1ed7i n\u0103m.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">T\u1ed5ng chi ph\u00ed \u01b0\u1edbc t\u00ednh<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Down payment<\/strong>: $30,000<\/li>\n\n\n\n<li><strong>Closing costs<\/strong>: $10,000 &#8211; $25,000<\/li>\n\n\n\n<li><strong>PMI (n\u1ebfu c\u00f3)<\/strong>: $2,350 &#8211; $7,050\/n\u0103m<\/li>\n\n\n\n<li><strong>Homeowners Insurance<\/strong>: $1,000 &#8211; $1,500\/n\u0103m<\/li>\n\n\n\n<li><strong>Property Taxes<\/strong>: $5,300\/n\u0103m<\/li>\n\n\n\n<li><strong>Chi ph\u00ed chuy\u1ec3n nh\u00e0<\/strong>: $500 &#8211; $5,000<\/li>\n\n\n\n<li><strong>\u0110\u1ed3 n\u1ed9i th\u1ea5t<\/strong>: $10,000 &#8211; $30,000<\/li>\n<\/ul>\n\n\n\n<p>T\u1ed5ng chi ph\u00ed ban \u0111\u1ea7u c\u00f3 th\u1ec3 dao \u0111\u1ed9ng t\u1eeb kho\u1ea3ng <strong>$56,800 &#8211; $98,850<\/strong> (ch\u01b0a k\u1ec3 PMI).<\/p>\n\n\n\n<p>DUCVU Cu\u1ed9c S\u1ed1ng M\u1ef9<\/p>\n\n\n\n<p>#ducvucuocsongmy #nhacuamy #muanhalandau #muanhaomy #dinhcumy #ducvuusa<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Q &#8211; H\u1ecfi: T\u00f4i mu\u1ed1n mua c\u0103n nh\u00e0 single house $500,000 \u1edf Maryland v\u1eady \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n th\u00ec t\u00f4i ph\u1ea3i tr\u1ea3 c\u00e1c chi ph\u00ed g\u00ec v\u00e0 bao nhi\u00eau? list chi ti\u1ebft cho t\u00f4i k\u1ec3 c\u00e0 chi ph\u00ed chuy\u1ec3n nh\u00e0 v\u00e0 chi ph\u00ed \u01b0\u1edbc t\u00ednh cho Furniture.<\/p>\n<p>A &#8211; Tr\u1ea3 L\u1eddi: \u0110\u1ec3 x\u00e1c \u0111\u1ecbnh t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n khi mua m\u1ed9t c\u0103n nh\u00e0 gi\u00e1 $500,000 \u1edf Maryland, b\u1ea1n c\u1ea7n xem x\u00e9t nhi\u1ec1u lo\u1ea1i chi ph\u00ed. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 danh s\u00e1ch chi ti\u1ebft c\u00e1c chi ph\u00ed li\u00ean quan, bao g\u1ed3m c\u1ea3 chi ph\u00ed chuy\u1ec3n nh\u00e0 v\u00e0 \u01b0\u1edbc t\u00ednh cho \u0111\u1ed3 n\u1ed9i th\u1ea5t (furniture):<\/p>\n","protected":false},"author":1,"featured_media":2319,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"om_disable_all_campaigns":true,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"Chi ph\u00ed mua nh\u00e0 \u1edf m\u1ef9","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[2,25,4,395,393,392,397,14,394,23,391],"tags":[483,484,486,485,398,368],"class_list":["post-2317","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-cau-chuyen-cuoc-song","category-chia-se","category-cuoc-song-my","category-https-www-youtube-com-c-ducvucuocsongmydmv","category-https-www-youtube-com-c-ducvuusa-https-www-youtube-com-c-ducvuusa","category-nha-cua-my-dau-tu-kinh-doanh","category-qua-tang","category-trai-nghiem-cuoc-song-my","category-videos","category-https-www-youtube-com-c-ducvuusa","tag-chi-phi-mua-nha-o-my","tag-chia-se-mua-nha-lan-dau-o-my","tag-ducvu-cuoc-song-my-3","tag-mua-nha-500000-o-maryland","tag-nha-cua-my","tag-vu-thanh-nam-duc"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"http:\/\/vuthanhnamduc.com\/wp-content\/uploads\/2024\/09\/image-2.png","jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/posts\/2317","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/comments?post=2317"}],"version-history":[{"count":2,"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/posts\/2317\/revisions"}],"predecessor-version":[{"id":2320,"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/posts\/2317\/revisions\/2320"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/media\/2319"}],"wp:attachment":[{"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/media?parent=2317"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/categories?post=2317"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/tags?post=2317"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}