Chii Chiito muNzvimbo yeKutsvaga?

Pros and Cons to Deed in Place of Foreclosure

Nokuwedzera, sezvandinonzwa nezvebhangi kupa varidzi vembairo sarudzo yebasa pane nzvimbo yekutsvaira pamusoro pekutengeswa pfupi , ndinoramba ndichidzoka pane imwe nheyo inokosha. Sei mumwe munhu aida kupa bhizinesi chiito panzvimbo yekufananidzira? Chaizvoizvo, kana bhangi ichiramba kutengeswa kwako pfupi, bhangi iri kukuudza kuti uende pound sand. Pasi pemamiriro ezvinhu aya, sei iwe uchida kubatsira bhangi?

Mune maonero angu, chiito chiri munzvimbo chinokodzera bhangi kupfuura iyo inofarira muridzi wemba.

Ndeipi nguva yekupedzisira bhengi yakakubatsira? Uyezve, nei iwe uchida kubatsira bhizinesi risingadi kukubatsira? Vanhu vazhinji vanotarisana nechiito chekuita chisarudzo chekuita mushure mokunge bhangi rairamba kugadziridza chikwereti kana kukanganisa kutengesa kutsva . Zvechokwadi, kana iwe uine uwandu, iwe unogona kutengesa imba yacho usati waongorora chiito panzvimbo, asi vamwe vatengesi vakatarisana nesarudzo iyi havana chavanoita nokuti vari pasi pemvura.

Tsanangudzo yeDeed in Place of Foreclosure

Chiito chiri panzvimbo yekufananidzirwa isimboti-kutumira rugwaro rwakasimbiswa nemwene weimba, runyorwa rwevanyori vasiri vhesi uye pakupedzisira rwakanyorerwa munhoroondo dzevanhu. Inopa musoro kubva kune vagari vepamba kune bhangi inobata chikwereti.

Zvikonzero zveBhangi Inogona Kuramba Chiito Munzvimbo Yokufananidzira

Chimwe chinhu chisina kururama pamusoro pezviito munzvimbo inzvimbo ndechokuti nzvimbo inofanira kunge iri pakutsvaga . Uyo anokweretesa angave kana kuti asina kuisa Chiratidzo cheKutadza kana kutanga kutonga kwekutora mberi asi angave akave akazaruka kuzokurukura chiito panzvimbo.

Zvisinei, mabhangi anowanzozeza kubvuma chiito panzvimbo yekufananidzira kana muridzi weimba aripo, asi kuva iyezvino hazvirevi kuti bhangi icharamba. Mabhangi ari pasi pebasa anosungirwa kubvuma chiito panzvimbo yekufananidza. Heano zvikonzero zvishomanana nei bhangi ringaramba chiito panzvimbo:

• Chiito chakadaro hachibatsiri.

  Kana bhengi inofunga kuti inogona kuita mari yakawanda kuburikidza nekutsvaga-zvichida nokuti iyo pfuma ine hutano kana hurumende yehurumende iri kupa zvikwereti zvemari kubhengi kuti iite mberi, bhanhire ringaramba mutenzi weimba kuti ape chiito pane nzvimbo yekufanirwa.

• Junior encumbrances, kutonga kana mutero.

  Chero humwe hutsva hunotevera huchapikisana neimba huchagara pamwe chete neimba uye ichava mutoro wemhosva kana isati isunungurwa musati yaita chibvumirano chechiito pane nzvimbo yekuzarura. Kazhinji, pfuma ine chikwereti chimwe chete ndiyo yakanakisisa. Kana kuti, wechipiri chikwereti angagamuchira chiito panzvimbo iyo chikwereti chekutanga chiripo uye pfuma inokosha kudarika chikamu chekuvhara kwayo.

• Kushumira mitemo kunorambidza mabasa panzvimbo.

  Zvikwereti zvakawanda zvinoshandiswa nePSAs, uye mirayiridzo mune iyo PSAs inogona kudzivisa chiito pane nzvimbo yekufanirwa. PSAs inofanirwa kutevera mirairo uye mazwi aya haagoni kuchinjwa.

• Mitemo isingagamuchirwi.

  Zvinogonawo kuti PSA inogona kubvunza wakwereta kuti aite mari yekubhadharisa kugoverwa kwechiito panzvimbo, uye uyo akakwereta angaramba kana nekuda kwemashoko kana kusakosha kwevakuru.

Dhiyabhorosi kuDeed in Place of Foreclosure

Nguva dzose tsvaga mazano emutemo musati wambomira padiki kuti upe bhizinesi chiito panzvimbo yekufananidzira. Yeuka, iri mubhanga rebhangi kuwana gwaro kubva kwauri. Zvinogona kunge zvisingaiti pane zvaunofarira kuita. Nedzimwe nzira, zvinogona kukwikwidzana kuti kupa bhizinesi chiito panzvimbo yekufananidzira kunongova danho rinopfuura kumusoro uchienda kure kubva kune chikwereti chako.

• Migumisiro pachikwereti.

  Chiito chekuita munzvimbo chichagadzirisa chikwereti chako chekwereti . Mamwe magwaro anotaura kuti iyo inogadziriswa pachikwereti yakafanana neyekutsvaira kwakakwana. Mamiriro ega ega ega akasiyana. Paunenge usina chokwadi, dana chikwereti chechikwereti uye bvunza. Usatenda zvose zvaunoverenga paIndaneti.

• Mano ekutenga imwe imba.

  Hapana chinhu chakadai sokupa chiito panzvimbo uye kutendeuka kuti utenge kamwe pamba. Izvo zvikwereti zvinotakura chikwereti, Fannie Mae naFreddie Mac , vanotenga chikwereti mumusika wechipiri havangatengi chikwereti chakaitwa nemunhu anenge akwereta uyo akasaina chiito panzvimbo yemakore mana asina kuwedzera mamiriro ezvinhu, makore maviri ane mamiriro ekuwedzera. Vanoramba vachiita shanduko kune mirayiridzo.

  Enzanisa nekumirira kutenga mushure mekufananidzira, iyo makore manomwe asina kuwedzera mamiriro ezvinhu, 5 uye, uye chii chawakatora chinonyanya kuwanikwa kwemakore matatu. Kuchitarisa kune imwe nzira, kutengeswa pfupi kunogona kukodzera kuti utenge imba mukati memakore maviri, apo iwe unogona kunge warasikirwa nemakore maviri kana iwe wakamanikidzwa kurindira makore mana mushure mekuita basa.

• Kusunungurwa kwemhosva .

  Iva nechokwadi chekuti chiito chiri munzvimbo chinonyatsokubvisa kubva pamhosva yekubhadhara chikwereti. Uyezve, pane zvishoma zvichitaura pamusoro pehurukuro kana iwe une chikwereti chechipiri chichakutevera nekuda kwekushaiwa.

Zano: Iva nechokwadi chekubvunza mubhengi wako wekodhaini kana chikwereti chakakanganiswa chingakonzera mutero wemitero. Kwechinguva, Mutengo Wokuregererwa Kwekubhadhara Mutengo wekubhadhara 2007 muna 2007 unopa kudzivirirwa asi iyo inopisa zuva gore negore. Insolvency inogona kuva imwezve kuregererwa kuripo.

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