Mumwe muverengi anobvunza kuti: Takatenga imba yedu makore akawanda akapfuura tisingawani zvakawanda pamusoro penharaunda, iyo yakava isina muvakidzani uye imwe hood, saka hatigone kuitengesa ikozvino. Mudzimai wangu anoti muchengeti wehodzi wake akamuudza pamusoro peurongwa kwatingazotenga imba itsva, tichiita sekuti takabha imba yedu iripo uye, mushure mokunge chikwereti chedu chitsva chivhara, ticharega kubhadhara pamusha wedu wekare. Akaritumidza kuti 'kutenga uye bhaari.' Izvi zvinonzwika zvakanyanya kuti zvive zvechokwadi. Pane chimwe chinhu chakakanganisika nekutenga uye bhaari here?
Mhinduro: Tenga uye bhaari ndiyo chikonzero chekutenga musha mutsva pamwe nechinangwa chekubhadhara kune yekare. Iko kunonzi kubhadhara chikwereti chenhema . Kunyange huwandu hwemamiriro ezvinhu hahupi kupa muridzi weimba kodzero yekuita mari yekubhadhara mari.
Chii Chinowedzera Mamiriro Ekutenga uye Chipiro?
Dzimwe nguva vadzidzisi vemusha vanonzwa vaine mhosva nokuti vanotenda kuti vakanyengerwa pavakatenga imba yavo iripo. Zvishoma zvezvikonzero zvinotenga uye vatinhepi vanobhadhara vanonzwa vachinyengedzwa ndeyotevera:
- Mumiririri wemuzvitoro haana kutsanangura zvakakwana migumisiro yekubhadhara mari yakadai sekugadziriswa kwemari yezvikwereti ichagadzirisa kana kuti nzira yekubhadhara chete inokwereta haibhadhara mutungamiriri.
- Mujeri weimba yekutengesa akatungamirira mutengi kuti atende kuti mararamiro epamba haagoni kumbowa. Mumisika apo maitiro anowa uye mutengi akaisa mari shoma shoma kana kuti hapana chaanotarisa kuhutano , imba inogona kuve yakakosha kudarika chikwereti chakweretwa kubhangi.
- Bhengi ingave yakavimbisa mutengi kuti kugadziridza kwaizogara kuri kusarudzo uye ndokushandura kukweretesa mirayiridzo, iyo yakaita kuti kuwana chikwereti chitsva chisigoneke.
Pasi pese pane zvataurwa pamusoro apa, muridzi weimba anogona kunzwa akanetseka uye achimanikidzirwa kuita kuti imba iende mukufananidzira asi haadi kurasa kodzero yeimba pamba. Mupfungwa dzevadzidzisi veimba iyi, vanonzwa mamiriro ezvinhu achibvuma kunyengera nokuti vakanyengerwa.
Zvisinei, hazvichinje chokwadi chokuti kutenga nebhaari inosanganisira kubhadhara chikwereti uye zvinopesana nemutemo.
Kutenga Uye Kubhadhara Kushanda Kunoshanda Sei?
Tenga uye bhail inosanganisira kureva nhema. Zvinowanzobatanidza kugadzira chibvumirano chekubhadhara mari uye kupa zvinyorwa zvenhema kune uyo anokweretesa. Ngatitevedzere matanho ayo musha wemhuri-tichamutumidza kuti Claude - aizotevera:
- Chokutanga, Claude anosarudza kuti - chero chero chikonzero - imba yake haisati yasarudza zvinangwa zvake.
- Sezvo Claude asingakwanisi kuwana mari yechikwereti chitsva mushure mokutengeswa kwekambani kana kutengesa, anoenda kunowana imba yekutenga isati yasvika pane iyo yakawanikwa.
- Claude anonyora chipo chekutenga pamusha mutsva uye anopa chikwereti chekubhadhara chikwereti.
- Mukwereti anobvunza Claude nezvechibvumirano chekurenda kuti aratidze kuti muridzi weimba achaenda kumba kwaClaude uye ozobhadhara kuna Claude.
- Claude anobvunza shamwari yake Clyde kuti asayine chibvumirano chekuroora, kunyange zvazvo Clyde asina chinangwa chokupinda kana kubvarura imba yekare yaClaude. Anotumira chibvumirano ichi chekukweretesa kune chikwereti.
- Muteveri anobvumira chikwata chaClaude chaanotora chikwereti ndokubhadhara chikwereti .
- Claude haamboiti chimwe chikwereti pamusha wake wekare. Chiratidzo chekushandurwa chinowanikwa uye imba inopinda pakufananidzira, zvichizodzokera kubhangi.
- Chikwereti chaClaude chakaparadzwa, asi haana hanya nokuti akatotenga imba itsva uye haana chinangwa chokufamba kwenguva refu.
Sei Kutenga uye Chibvumirano Kupikisana neMutemo?
Muchiitiko chaClaude, akatora zvinyorwa zvekukwereta ndokunyengera nemaune pachikumbiro chake chechikwereti. Icho chibhadharo chekubiridzira. Kubhadhara chikwereti kunoitika kana munhu akwereta asingatauri ruzivo - zvakadai sechinangwa chakanaka chokurega kubhadhara kune mumwe chikwereti - kana kuti kunokanganisa ruzivo - zvimwe zvingaita kuti mupepeti mutsva arambe chikwereti kana muridzi wechikwereti achiziva nezvazvo.
Zvinotorwawo kuti hutsotsi hunorara pamushandisi wekukweretesa uye hunobudisa zvinyorwa zvenhema kumunhu anokweretesa. IFBI inorondedzera kubhadhara chikwereti se "chero chinhu chipi zvacho chakashata, kunyengera kana kusakanganiswa kunotsigirwa nomunhu anonyora pasi kana mutengi kubhadhara mari, kutenga kana kuvhara chikwereti."
Somugumisiro wekutenga uye maitiro emabhesi, mirayiridzo ye Fannie ikozvino inoda vatengi kuti vakwanise kuwana zvikwereti kune misha miviri yekutora chikwereti, kunze kwekuti musha uripo une zvakawanda zvehutano.
Ndizvo nokuti muridzi weimba ane hutano hwakawanda angava upenzi kuti aende kure nazvo.
Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.