A Step By Step Tarira Kutenga Imba

Nzira chaiyo yaunofambira mberi kuburikidza nekutenga mari kutengesa kunowirirana zvichienderana nemirairo yeimba yepamutemo uye tsika dzaunogara. Asi iwe uchawana matanho akawanda ekutenga imba yakazara, kunyange zvazvo zvingave zvisingakwanisi kubudirira muhutano humwe munzvimbo dzose.

Iwe uchanzwa uine chivimbo pamusoro pekuenda kwako kumba kwaunotenga kana iwe unonzwisisa izvo zvinodiwa kwauri iwe nevamwe vanhu vose vanobatanidzwa mune zvekutengesa.

Iri gwaro rinokutora iwe, uye rinokuratidza kuti une matanho gumi nematanhatu chete ekutenga imba.

Nhanho 1 Kutenga Imba: Tora Mari Yako Mukuraira

Nhoroondo yako yechikwereti inhoroondo inopfuurira yekuti unotarisira sei mari yako. Iwe unofanirwa kuziva zvakajeka zvikwereti zvemari yako nezvehupfumi hwako usati wanyorera mari yekubhadhara mari, nokuti mharidzo inobata basa rinokosha mukutora mari yekubvumirana uye mukugadzirisa chikwereti chechido uye mamwe mazwi okukweretesa ayo anopa chikwereti anokupa.

Kana usina kutarisa pamitemo yako yechikwereti, unogona kushamiswa pane zviri mukati, nokuti zvikanganiso zvakajairika. Zvakanaka, iwe haunoda chero nguva yekubhadhara. Imwe mibairo yekupedzisira yakashata; vana vachakuurayai.

Background Reading

1. Chii chiri paWe Credit Report uye Sei Yakasvika Iko?
2. Nzira Yokuona Nayo Credit Yenyu
3. Sesa Upato Wako Chikwereti
4. Kunzwisisa Zvikwereti Zvako
5. Nzira Yokuvandudza Nayo Zvikwereti Zvikwereti

Nhanho 2 Kutenga Imba: Iva Nechiziviso neMushandi Wekutengesa

Kuwana chikwereti chakanaka uye chikwereti kunokosha kuti imba yako iwane kubudirira.

Zviri kwauri kuti uone kuti chikwereti chipi chakanakisisa pane zvaunoda, uye nguva dzose chinangwa chakanaka chekuti uve nechepamusoro mamiriro ezvinhu pamusoro pekukweretesa usati wataura kune chikwereti. Funga kubvunza mujeri wako kuti atumire.

Background Reading

1. Ndechipi Kusiyana Pakati peChikwata Chekutengesa uye Bhengi Mutero?

1. Kunzwisisa Chikwereti Chako Kuchengeta Ratio
2. Unofanirwa Kusarudza Mari Yokugadzirisa Mari?
3. FHA Loan Basics
4. VA Home Loan Facts
5. Bi-Weekly Mortgage Payment Plans
6. Unofanira Kunyatsotenga Mazano Okubatsira Here?
7. Chokwadi Pamusoro Pokubhadhara Mari Inishuwarenzi Yega
8. Uchava neKutenga kana Chiito cheKutenda here? Nei Zvine Basa?
9. Chenjerera Kubiridzira Kwemari

Nhanho 3 Kutenga Imba: Tanga Pre-Yakagamuchirwa kune Imba

Unoziva here kuti imba yakawanda iwe unogona kuwana? Zvichida kwete, kunze kwekuti iwe wataura neine chikwereti.

Kugamuchirwa mberi kunobatsira mune dzimwe nzira. Funga nezvechiitiko ichi. Mutengesi weimba anowana zvinhu zviviri zvakafanana. Imwe inoperekedzwa netsamba inobva kubhandi yomutengesi iyo inotaura kuti yakagamuchirwa kubhadhara mari yakawanda. Rimwe racho harina magwaro anotsigira. Unofunga kuti mutengesi uchatanga kutanga chii?

Background Reading

1. Pre-Qualification vs. Pre-Approval, Chii Chaunoda?
2. Kushandisa Online Mortgage Calculator kuti Uongorore Mari Yako Yenyu

Nhanho 4 Kutenga Imba: Sarudza Zvaunoda Nezvinodiwa

Kutenga musha hakusi kwakaoma sezvamungafunga, kunyange kana iwe uri pfupi pane mari, asi nzira yacho ichaenda yakawanda zvikuru kana iwe ukazoziva nemugovera wako weimba yevhu uye kuderedza pasi zvaunoda uye zvido zvako usati watanga kutarisa mudzimba.

Background Reading

1. Rongedza Zvaunoda Newe Unoda
2. Kufunga nezvekugarazve
3. Paunoda Rubatsiro neDeppayment Funds

Nhanho 5 Kutenga Imba: Dzidza Kushanda neMagetsi Edzimba

Nzvimbo dzezvemigodhi dzinomiririra vatengi, vatengesi, kana vari vaviri - uye, mune dzimwe nyika, vanogona kushanda sevatori venyika vasina bato. Zvakakosha kuti unzwisise basa remushandi uye kuvimbika usati watanga foni yekutanga. Kumbira mumiririri wenyu kuti atsanangure fiduciary.

Background Reading

1. Munhu Wako Ane Basa Anoshanda Kwauri Here?
2. Nzira Yokushanda Nayo Mutengesi weAgent
3. Zvamunofanirwa Kuzvitarisira kune Mugadziri Womutengesi
4. Nzira Yokutengesa Agent's Agent
5. Kuti Mutengi Womutengesi Anova Dual Agent
6. Nhema Dzinowanzonzi Pamusoro Pokushanda neMagetsi Edzimba
7. Basa Rako Kumunhu Anoshanda
8. Kutarisana neVasingaoneki Nevanhu Vasina Tsika

Nhanho 6 Kutenga Imba: Tanga Kutsvaga Imba

Mutengi wako anotumira zvinyorwa kufoni yako.

Iwe uchatorawo imba yekutengesa magazini uye kuverenga zvidimbu zvakashambadzirwa mumapepanhau ako. Iwe ungangodaro uri kushandisa nguva yakawandisa yekufambisa Indaneti yemisha. Iwe ungatotanga kuronga masikati ekufambisa kuona nzvimbo. Izvo zvose inzira dzose dzakanakisisa dzekuona zviripo. Heano mamwe mabhuku anokubatsira kuti udzikise imba yako yekutsvaga kutsvaga.

Background Reading

1. Funga Imba Iyo Vamwe Vasingatarisiri
2. Tsvaga Public Versions ye Multiple Listing Service Web Sites
3. Tsvaga Real Estate Agent Web Sites
4. Browse Real Estate Search Engines uye Networks
5. Tsvaga Kutengesa Neimba Zvakanaka
6. Tsvaga Pamba Kutengesa Ads muChirangaridzo
7. Tsvaga Imba Yakafananidzwa

Nhanho 7 kuTenga Imba: Matanda Okutanga Okugovera

Kusarudza kana iwe usingadi kutenga imba kunosanganisira kutarisa maitiro aro uye zvayo, asi kune dzakawanda dzimwe nyaya dziri dzose dzinokosha pakutenga kwako. Heano mimwe misoro yaunofanira kuongorora usati waita kupa.

Background Reading

1. Funga nezvekuongorora Musha
2. Taura nevavakidzani vasati vatenga
3. Tarisa Kuenzanisa Kuenzaniswa

Nhanho 8 Kutenga Imba: Ipa Chipiro

Hapana rimwe rakagadzirwa nemirairo inogona kuvhara maonero ose emitemo yemasitellite nemitemo iripo muUnited States yose, saka ma mechanics ekugadzira zvipo uye zvakananga zvaro zvinomirira zvikuru pane nzvimbo yako. Zvisinei, pane mamwe mazano ekutenga kumusha anogona kukubatsira kuti uone zvakanaka zvaunopa, pasinei nokuti uri kugara kupi.

Background Reading

1. Chii Chinouya Neimba? Kubvunzurudzwa Kwebvumirano
2. Chii Chinofanira Kutengeswa Chingazivisa?
3. Tsvaga kana Kukurukurwa Kwemavara Kunotarisirwa Kunodiwa
4. Sarudza Nguva Yakawanda Yokupa
5. Kukumbira Pfuma Pasati Wanyatsovhara
6. Kufungisisa Kunokosha Kwekutengeswa NeMuridzi Kutenga

Nhanho 9 Kutenga Imba: Kutarisa Pamba Neimwe Miedzo

Mune dzimwe nzvimbo, kuongororwa kwemusha kunopedzisira kusati kwasayirwa chibvumirano chekupedzisira. Mune dzimwe nyika, kuongororwa kunoitika mushure mokunge chibvumirano chapera. Hazvina mhosva kana iwe uchizviita, zvakakosha kuti usarudze kuongorora kupi uye maedzo aunoda kuita.

Taura nemugovera wako wepamba kana mumwe mupi wezano kuti uwane kana kuongorora kunofanirwa kushandiswa uye kana mamwe maitiro ekuongorora ari anokosha kune imwe nzvimbo yako.

Background Reading

1. Raira Imba Yakazara Kuputika
2. Kuedzwa kweRadon Gas
3. Kutarisa Matanda uye Kuchengeta
4. Tarisa Peint Disclosures & Inspections for Pre-1978 Dzimba
5. Pane Pfuma Yega Pfuma Here?
6. Kunzwisisa uye Kuongorora Septic System
7. Unofanira Kutenga Chirongwa Chekumba?

Nhanho 10 Kutenga Imba: Kudzivisa nekugadzirisa Matambudziko ekupedzisira

Sezvo zuva rekuvhara kwako rava pedo, munhu wose anobatanidzwa mukutengeserana kwako kwemaimba anofanira kuona chekufambira mberi kwaro zuva rega rega, nokuti kuramba uri pamusoro pezvinhu zvinoreva kuti iwe uchaziva pakarepo kana pane dambudziko rinofanira kutarisirwa. Heino humwe ruzivo runotarisa pane zvishoma zvinetso zvinowanikwa nevatengi vekumba vanofanira kutarisana vasati vaswedera paimba.

Background Reading

1. 10 Zvinhu Zvausingafaniri Kuita Paunenge Uchitenga Imba
2. Tsvaga Chokwadi Pamusoro Pekugara Kwekugara Kwekuongorora Nzira
3. Nzira Yokubata Nayo Kuongorora Kunonoka

Nhanho 11 kutenga Imba: Uri munzira yekuvhara

Yakawanda yematambudziko ako ekutenga kumusha ari shure kwako ikozvino uye uri munzira yako yekuvhara, inonziwo kugadzirisa, chiitiko chinoshandura umiridzi weimba yacho kwauri. Zvimwe zvinhu zvishomanana zvimwe zvekudzidza, zvimwe zvinhu zvishoma zvokuita, uye uripo!

Background Reading

1. Kutarisana neMutengi Ruregerero
2. Tora Chokwadi Pamusoro Pechigaro Cheshuwarenzi
3. Dzidza Kuverenga Nyaya Yokuvhara Inofungidzirwa
4. Tora Kufamba Kwako Kwekupedzisira-Kupfuura

Closing Thoughts

Matanho anotsanangurwa munyaya ino ndeyemusha wekutenga mutungamiri. Iwe uchasangana nedambudziko rinoreva nzvimbo yako nekutengeserana kwako, nyaya dzinogona kutsanangurwa nekugadziriswa neanzvimbo yako yekutengesa maimba , mutero wako, gweta rako, vhigiridzi wako wekuvhara , kana vamwe vari kukubatsira kuti upedze imba yekutenga kutengesa.

Usambozeza kubvunza mibvunzo. Bvunza mibvunzo yakawanda seyakakosha kuti ikubatsire kunzwisisa zvose zvekutenga pamba. Iwe uri kuita kuzvipira kwenguva refu uye kushandisa mari yakawanda-iwe uchanzwa zviri nani nezvekutengesa kana iwe uchigara uine ruzivo uye unonzwisisa chii chiri kuitika nhanho imwe neimwe munzira.

Yakagadziriswa naElzabeth Weintraub, Nyanzvi Yokutenga / Kutenga Musha

Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.