Mutevedzeri Wako Angakonzera Kushayiwa Kutongwa Pashure Kokufananidzira
Kushayikwa kwekutonga dzimwe nguva kunopera mushure mekuvhara mberi kana kutengeswa pfupi . Varidzi vepamba vanowanzoshamiswa kuti vagamuchire, uye izvi zvinowanzoitika nekuti havakwanisi kuwana mvumo yepamutemo yepamutemo kana yekuteresa mberi.
Promissory Notes uye Mortgages
Kushayikwa kwekutonga kunobva kubva kune iyo yakakweretwa isina kukwana pane chinyorwa chekuchengetedza , kwete mari yekubhadhara. Chikamu chekutumira chikamu chekubhadhara. Inogonawo kusimbisa mutoro wevanhu, zvichienderana nemitemo yenyika. Mutoro wega wega unoreva uyo anokweretesa anogona kuenda shure kweavo akakwereta kuti akwanise kubhadhara chikwereti.
Bhuku rekuchengetedza rakachengetedzwa nemutemo wekutendwa kana kutora chikwereti, zvichienderana nesimbi yekubhadhara. Kazhinji, chikwereti kana kuvimbwa kunoitwa zvakanyorwa mumasangano evanhu apo nzvimbo yacho iripo, iyo inoita kuti vanhu vaone kuti imba inopesana nayo.
Kufananidzira
Kana chikwangwani chekutumira chisati chabhadharwa sezvakabvumirana, mubhadhari ane kodzero yekufambisa pfuma yacho, nokuti iyo inzvimbo yekuchengetedzwa kwechivimbiso chinyorwa.
Kana uyo akwereta asingatori mari ikozvino kana kubhadhara chikwereti chiripo panguva yekufananidzira, iyo nzvimbo inoenda kunotengeswa. Kana iyo iyo inotengesa zvimwe zvinopfuura chikwereti chakweretwa, hapana kushayikwa; zvisinei, izvo zvinowanzoitika.
Mabhangi anowana iyo nzvimbo mukutaridzika apo pasina munhu anokwereta zvakakwana kubhadhara bhangi.
Bhengi inewo kodzero yekuitengesa iduku kusvika kune yakatengesa zvikwereti kune yekutsvaga, asi kazhinji, mabhandi anosarudza kutengesa kune rimwe rega mushure mekunge kusvika, kutarisira kuwana mari yakawanda pamusika.
Short Sales
Apo imba inenge ichimirira kufanirwa, bhangi ringabvumirana kuderedza kurasikirwa kwayo. Inobvumira mutengesi kuti atengese zvishoma uye anogamuchira mari shoma pane mutengesi ane chikwereti pane chikwereti chake.
Mutengesi wekumba anoshandira mutengesi weimba yekutengesa kuti awane muchengeti kutengesa kutsva . Mutengi anopa chipo uye, kana bhengi ichibvuma, imba inotengeswa nekurasikirwa.
Kushaya Njodzi Kururamisira
Kushayikwa ndiko musiyano pakati pebhadharo yakakosha inokwana uye mari yakagamuchirwa, kupa huwandu hwakagamuchirwa huri pasi pemutengo wakabhadhara.
Pasinei nokuti bhengi rinogona kutevera kukanganisa kwekutongwa mushure mekutsvaga kana kutengeswa pfupi kunoenderana mune imwe chikamu kana chivimbiso chichiita kuti mutengesi pachake ave nemhosva kune chikwereti. Dzimwe hurumende dzinobvumira kuti munhu ave nemhosva .
Kushaya Njodzi Kutonga muCalifornia
Mashoko akanaka eCalifornia akwereta ndeavose kutenga mari-mboti yemari kune imwe-kusvika mana-imwe yeimba yekugara inenge isina kukwana kutonga.
Mari yakaoma-mari yakabhadharwa muCalifornia - zvikwereti zvakatorwa mushure mokunge imba yaitengwa kuburikidza nekugadziriswa kana chechipiri yekubhadhara mari - inogona kuiswa pasi pekutadza kutongwa pasi pemamiriro ezvinhu anotevera:
- Mutero unotangira pasi pekutonga (California Code Civil) Mut. ยง 726).
- Vazhinji vanokweretesa vanotarisa kuburikidza nekutengeswa kwevateresi, izvo zvisingapa muridzi wekodzero kodzero yekutsvaga kushayikwa kwekutongwa nemumwe chete (ona yechipiri yakaoma mari yechipiri mabheji pasi apa) .
- Mwedzi wemwedzi mitatu yakatarwa inoshanda kune zviito zvekushayikwa kwekutonga pasi pekutongerwa kwekutonga.
- Kana chikamu chechipiri chikwereti chiri mari yakaoma uye uyo anokweretesa akarasikirwa nekuchengeteka kwechikwereti ichocho kuburikidza nekufanirwa kana kutengeswa kwenguva pfupi-kuita kuti kuchengeteka kwechivimbiso chisingabatsire - mupi wechipiri wechikwereti chinogona kukwanisa kukanganisa kutongwa (Roseleaf Corp. v. Chierighino, 59 Cal 2d 35 (1963).
- SB 931, inoshanda muna Jan. 1, 2011, inopa kukwana kudzivirirwa kuCalifornia vashambadzi vashambadzidzi vatengesi kana chikwereti chiri panzvimbo yekutanga. Icho haisi kushandiswa ku foreclosures.
Kukurukura Chikoro
Vamwe vane mari yakaoma-vatengesi vanotengesa tsamba yekuvimbisa kumudzimai mushure mekufanirwa kwema pennies paodhora. Zvadaro, mutengi achaedza kuunganidza chikwereti.
Kunyange zvazvo anokweretesa angave akabvuma, anoti, $ 1 000 nokuda kwe $ 100,000-yechipiri mari yekutengesa kuburikidza nekutengesa kutsva, kuchengetedzwa kwechipiri chechipiri chechipiri kunosunungurwa, asi chivimbiso chingave chisingave. Mutengesi shoma shoma semuverengi wedu angatenda kuti dambudziko racho rapfuura, kusvikira rimwe zuva iye anogamuchira foni achikumbira kubhadhara. Apo izvi zvinoitika:
- Cherechedza kuti uyo anokweretesa angangotaurirana kuti awane purofisi.
- Munhu anokweretesa angakumbira mutsva wezvinyorwa zvitsva kuti adzore chikwangwani chekare chakavimbiswa. Muchiitiko ichocho, iva nechokwadi chokuti anokweretesa anotumira "yakabhadharwa zvakakwana" chivimbiso chinyorwa.
- Kana uyo anokweretesa atozvitengesa kambani yacho, kuburitswa kunogona kuva kukuru.
- Hazvirevi manotsi ose ekubhadhara mari anofanira kubhadharwa nemari. Vamwe vanokwereta vanobvuma kubhadhara.
- Kana uyo anokweretesa achitungamirira chikwereti kune imwe sangano, ona kuti nhamba yacho ingangodaro yakatengeswa zvishoma kudarika zviso zvayo uye chiso icho chikwereti chitsva chinogona kugamuchira chikamu chakaderera sekubhadhara zvakakwana.
- Mushure mokunge tsamba yacho inobhadharwa zvachose, bvunzai chikwereti kuti adzorere chivimbiso chinyorwa chakanzi "Kubhadharwa Zvakakwana."
Ini handisi mvumo yekupa mazano epamutemo uye ndinopa ruzivo urwu nokuda kwehuwandu hwemashoko chete. Kana iwe uchida mazano ezvemutemo kana mamwe mashoko, tapota taura nekambani yemutemo .
Kunobva: California Association of Realtors
Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.