Tsanangudzo: Mutauro mune chikwereti kana kuti chivimbiso chinobvumira iyo chikwereti kudana chikwereti nokukurumidza uye ichibhadhara kana chiitiko chacho chichitengesa chivako kana kutumira chikwata kune imwe nzvimbo. Anenge chikwereti chose nhasi chine chikamu chekuparadzanisa, izvo zvinoreva kuti zvinyorwa hazvigone kutengesa uye mutengi haagoni kutenga zvichienderana nechikwereti chiripo pasina kukonzera chikonzero chekutengesa clause.
Chikonzero chekutengesa clause chinhu chakafanana nekuparadzanisa chikamu.
Rumwe ruzhinji rwekuparadzanisa clause rinowanikwa mune dzakawanda kutenda zviito zvinotevera, kubva kuU.S. Securities and Exchange Commission:
"Kana chiitiko chePurisa kana chikamu chipi zvacho kana chimwe chinhu chiripo kana chiripo chiri kutengeswa chiri kutengeswa, chinotungamirirwa kana chakaparadzaniswa neTrustor, kana achizvidira kana kuti asingabatsiri, kunze kwekurambidzwa nemutemo, zvose zvinosungirwa zvakagadziriswa neizvi
chiridzwa, zvisinei nokuti mazuva ekukura anotsanangurwa sei, pakusarudzwa kweanenge ari iye zvino uye pasina kuda kana kucherechedza, ichabva yapiwa uye ichabhadharwa. "
Zvinenge zvisingabviri kuwana chero zvipi zvekare zvekare zvisingashandisi chirevo chakadaro. Kunyange zvazvo zvingave zvisingatauri verbatim, kuparadzanisa clause kunorambidza kuendeswa kwezvinhu chaiyo pasina kubhadhara mari iripo.
Nzira shure apo kugadzira mari yekugadzira kwaive kwakakurumbira munguva yekupera kwema1970 nekutanga kwema1980 muUnited States, kunyanya muCalifornia apo ini ndiri mvumo, vashandi vezvivako zvekumba vaigara vachitaura nyaya yenyaya yekutongwa muna 1974, Tucker v. Lassen Savings uye Loan.
Iri raiva dare repamusorosoro dare rinosanganisira chibvumirano chekutengesa kwenyika. Izvi zvinoreva kuti muteresi akanga asina kodzero yekudana chikwereti chakakodzera uye achibhadhara nokuti chakange chisingaiti kuti kuchengetedzwa kwayo kwakakanganiswa kutengeswa kwekutengeswa mune kambani yepasi .
Vakawanda vezvivako zvemaimba munguva iyo nguva yakaisa pamwe nekugadzira mari yekutengeserana umo mutengi akawana mutengo wekukodzera kuburikidza nekontra yepasi uye akabhadhara chikwereti chekutengesa, kunze kwekubhadhara kune mutengesi wekutengesa kwevatengesi.
Yaiva yepamusoro yemari yekutora iyo yakaita kuti vatengi vatsigire pane zvekugadzira mari.
Kufambira mberi kumhosva yekutongwa muna 1978 yeWenenkamp v. Bank of America. Ichi chechipiri chinokonzera chikwata cheCalifornia chisarudzo chakasimbisa chikamu chechikamu 711 cheCalifornia Civil Code chave chataurwa, kuti muridzi wekwereti aisagona kumanikidzira chikamu chekuparadzanisa kuburikidza kudana chikwereti chakakodzera uye chabhadhara kana kuchengetedzwa kwechikwereti kwakanga kusina kukwana kana kuti pangozi yekushaya simba. Pashure pacho, dzimba dzakawanda dzaitengesa zvichienderana nekutora chikwereti chakasara uye chakanaka, sekunge pasina mangwana, kurutivi-kuwedzera 18% yemari yemari yaive yakawanda.
Zvaive zvakajairika kuvhara mutengesi kumashure ipapo mumazuva manomwe. Vatengi vakanga vachiisa pasi 7% kusvika ku10% yemutengo wekutengesa, zvakakwana kubhadhara makomisheni nekuvhara mari, kutora musoro kunotarirwa kune zvikwereti uye kugadzirisa kubhadhara mari kune mutengesi nenzira yechipiri kana chechitatu chiito chekutenda. Mune dzimwe nzira, zvakanga zvakaita seWest West. Vashandi vanonzwisisa mari yekugadzira mari vakaita shanduro yakawanda, uye bhizinesi reGreat Rich Quick rakazvarwa.
Nenguva isipi, masangano emari ekugadzira mari aive akawandisa. Iyi yakanga iri nharaunda itsva yevakawanda vemazana emagetsi uye vatengi vavo. Yakanga iriwo mamiriro ekutsva kwekushungurudzwa nekunyengera.
Mushure mokunge 1982 Garn-St. Mutemo weGermany, zvakawanda zvekusika zvikwereti zvemari zvishoma nezvishoma zvakamira. Kunyange iyo yekutengesa kusarudzwa kwekutengesa, yakasikwa uye yakarongedzwa sechinhu chisina kukodzera kumagwaro ekuparadzanisa, yakauya pasi pomoto.
Mumakore anotevera, chido chekutora chakatanga kuderera, zvichiita kuti vawane mari itsva yekutenga chikwereti chakanakidza chekutanga kumusha vatengi. Izvi zvinowedzera zvikwereti zvikwereti uye FHA zvikwereti zvakare zvekuita. Pakanga paine zvimwe zvidiki zvekare zvikwereti zveFHA zvinogona kutorwa kunze kwekufungidzirwa, asi sezvo makore akaenderera mberi, pakanga pane zvishomanana uye zvishomanana zvezvikwereti izvi zviripo. Nhasi, hapana.
Zvechokwadi, chikamu cheizvi chakaita kuti zvikwereti zvinokwana 80/20 zvikwereti zvakapiwa chikamu kuPrprime Market Crash muna 2007. Vatengi vaizogona kugadzira girazi, vasina kukwanisa kubhadhara chikwereti, vakabvumirwa kutenga 100% mari.
Isu tose tinoziva zvakaitika apo misika yakarova muna 2008. Nhasi mari yekubhadhara mari inoda mari yakaoma, uye zvakanyanya kuoma kuwana chikwereti zvino.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.