Kuita zvishomanana kutengesa zvakaoma zvakakwana, kunyatsotaura, asi zvakatooma kana iwe une zvikwereti zviviri-zvinowanzova musoro. Ndinonzwa kurwadziwa kwako. Nokuti kwete chete iwe unoda kubatana kwekwereta yekutanga, wechipiri mortgage holder anoda kusunungura chikwereti ichocho zvakare.
Chokutanga, ngatitarisei zvinoitika pakujekesa :
Kufananidza Nzvimbo Pakati Pevatengi
Hazvibatsiri kana iwe ukatora chikwereti chechipiri chekutenga mari kuti ubatsire kutenga imba kana kuti iwe wakachengetedza imba yemari chikwereti inotevera shure kwechokwadi.
Wechipiri wechikwereti acharamba ari munzvimbo yechipiri kunze kwekuti wekutanga anoda kuzviisa pasi. Kazhinji, chikwereti chikwereti chiri munzvimbo yekutanga hachizogadziri nzvimbo.
Kutanga pachinzvimbo chirikutanga mune kodzero yekuunganidza kubva pakutsvaga kuenderera mberi. Izvi zvinoreva kana Chiratidzo cheKusina kuiswa chiripo, kana wechikwereti wechipiri achida kuva wokutanga mumutsara wekugamuchira mari kubva kuinotengesheni kana kutengeswa kana kutora imba, wechikwereti wechipiri anofanira kutanga chirongwa chake chekudzivirira.
Munzvimbo dzakawanda dzenyika, izvi zvinoreva kuti wechikwereti wechipiri anofanira kuita mitsva yekudzokera kumutengi wekutanga, kubhadhara mari yekutanga yekukweretesa kuti aise Itaiti yeZvirevo uye yekubatanidza mari, uye ezvo akaisa Zvinyorwa zvake zveChina. Kana chikwereti chechipiri chisingaiti izvi, wechikwereti wechipiri anogona kuparadzwa mukati mokufungidzira uye asingagamuchiri chinhu, kunyanya kana pasina mari yakakwana yekufamba-famba.
Apo wechipiri anopa chikwereti anogamuchira chiziviso chinotaura kuti chekutanga chakafanotaura, mushure mekutarisa kukosha kweimba, vazhinji vanoita chikwereti chechipiri havangatangi matanho avo ekudzivirira. Vanotora chikonzero ichi nokuti pane zvingave zvisina kukwana kutengesa kuita kuti mari yekufananidzira ibudirire kune wechipiri chikwereti.
Ichi chisingaiti chiito chinosiya chikwereti chechipiri munzvimbo isina ngozi.
Iko kushambadzira kwenguva pfupi yekuvhara mari kunobhadharwa
Kunyange zvazvo mutengesi angave akasaina chibvumirano chekunyora pamwe neyemajeri edzimba, zviri pachena kuti uyo anokweretesa achadzokorora zvakare mutemo . Vatengesi vanobhadhara zvishoma kudarika mitambo uye vanoedza kudhura mari yavo yekutengeserana nenzira dzose.
Kuti iwedzere kuderedza kugadzirisa mari, kunewo mari iyo vatengi vanowanzoramba kubhadhara. Vari:
- Home Warranty Plans
- Pest Kudzokorora uye Basa Rinobatana Nezvirwere
- Roof Certifications
- Sewer Inspections
- Kugadziriswa Kwakatorwa neVatengi vakadai seChikumbiro Chekugadzirisa
- Credits for Buyer's Closing Costs
Kutaurirana neyechipiri chikwereti pakutengeswa kwechidimbu
Mushure mokufunga kuti mamiriro enyu ezvinhu anokodzera zvidzidzo zvishomanana zvekutengesa , uye wakateerera kune vose vanokumbira zvikwereti - pamwe, wakawana mutengi anoda uye anokwanisa - iwe hausati wava kunze kwemasango.
Ngatitii mari yako yekuvhara i5% kana $ 4 250. Mushure mokubvisa mari yekuvhara kubva pamutengo wekutengesa we $ 85,000, iwe uchava ne $ 81,000 yakasara. Iye zvino inova tambo yehondo pakati pevatengesi vaviri.
Kazhinji, kutanga kukurukurirana ndechokupa wechipiri chikwereti chiduku, taura $ 1,000. Iye zvino, izvi zvingaita sezvizhinji kana zvichienzaniswa nemari yechipiri yemari yemari ye $ 55,000 nokuti uri kubvunza chikwereti kuti urasire $ 54,000.
Kune rumwe rutivi, zvisinei, kana wechikwereti wechipiri achiramba, zvingaguma zvisingagone kuwana chinhu.
Pane dzimwe nguva, zvinoratidzika, kuti vanokwereta vechidiki vanoita sevanoparadza nyota dzavo kuti vatarise zviso zvavo. Asi apa ndipo apo mutengi anotanga kupa zvishoma kuti aite basa racho. Muzviitiko zvangu, vazhinji vanokweretesa munzvimbo yekutanga vanofara kugamuchira kunyange 90%, izvo zvinoreva kuti kune $ 85,000 chikwereti, uyo anokweretesa angabvumirana kutenga $ 76,500.
Kana iyo mambure iri $ 81,000, mushure mekuvhara mari, iyo inogona kusiya $ 4,500 iyo mutero wokutanga angapa kune wechipiri chikwereti. Mutengi wechipiri anofanira kubvumirana kusunungura chikwereti. Kana zvisina kudaro, kutengeswa pfupi kunorambidzwa , uye muteresi wekutanga angangobata chivako chekutsvaga, kubvisa chikwereti chechipiri.
Ramba uchitaurirana kusvikira sarudzo yasvika. Yeuka, zvose zvekutanga neyechipiri zvine danda mukuita basa shoma rekutengesa .
Cherechedzai: Chimwe chikonzero chikonzero chechidiki muCalifornia chinogona kuramba kushanda pamwe chete kana chikwereti chaiva chikwereti chemari yakaoma, chakachengeterwa kugara 1 kusvika kumakamuri mana. Muchiitiko ichocho, kana chikwereti chechipiri chikadzimwa panguva yekufanirwa pasi pekutengeswa kwevatrusti, wechipiri chikwereti angave ane kodzero yekutevera kusakwanira kutongwa . (Roseleaf Corp. v. Chierighino, 59 Cal 2d 35 (1963).)