Hurumende Inofunga Kuita Kuti Zvigadziriswe. . .
Kana HUD-1 yakanga isiri yakaoma kare, yakaipisisa mushure mokunge mutemo we TRID wakambomira HUDs nekuda kwekuvhara zvinyorwa uye kuti zvikwereti zvevatengesi zvinoonekwa sei. Haisi ivo chete vatengi vemusha vasinganzwisisi mazwi ekuvhara nezvikwereti, ivo vashandi vebhangi, zvakare, ivo vanoedza. Especially a short sale bank rinofanira kubvumirana neshoko rekuvhara. Chimiro chacho chakanyatsogutsikana uye chinotyisa kuti vazhinji vanoita mauto vanozvitora ivo pachavo kuti vape rugwaro rweku net, saka saka mapato ose kune imwe nzvimbo yekutengesa imba inokwanisa kuona zviri kuitika.
Izvi zviri kufambira mberi here?
Chinetso Nekutengesa Mitsara kune Mutengi paChivharo
Dambudziko rakatanga neRevised Faith Faith Estimate . Yakakwira kusvika kuHUD. RESPA yakasarudza kuti kana mari yakaratidzwa paKutenda Kwekutenda kwakanaka asi inowanzobhadharwa nemutengesi, saka inofanira kuonekwa paHUD. Kuita kuti HUD irambe iripo, kana mari inoratidzwa sechikwereti asi haisi chikwereti, saka inofanirawo kuratidzwa sebhadhiro, iyo inoita kuti ishambidze. Ipapo HUD yakaenda, ikatsiviwa neshoko rekuvhara.
Zvinokuita kuti unetseke kuti nei uchiratidza zvachose? Sei? Nokuti iri muNhepfenyuro Inotarisirwa. Ndinoziva, zvinokuita iwe uchida kubvisa bvudzi rako. Mitemo yehurumende ichaita izvozvo kwauri.
Chii chiri Mukutengesa Chikwere kune Mukoti Husi Chikwereti?
Ngatitangei nekutaura kuti zvikwereti zvinowanzoonekwa sekuwedzera kwenhamba uye zvikwereti ndezvishoma nhamba. Kana ukawedzera $ 100 uye wozobvisa $ 100 iwe une zero.
Chechipiri, munzvimbo dzakawanda dzenyika, mamwe mahedheni ekuvhara mari anowanzobhadharwa nemutengesi.
Inowanzoitawo mune dzimwe nzvimbo kuparadzanisa mari iyi. Dambudziko rinomuka kana iri tsika yemunharaunda kuti mutengesi abhadharire mari yakashata asi iyo mitero inoratidzwa muHurumende Inotarisirwa. Mienzaniso yeiyo mitero yemari ndeyi:
- Mutevedzeri wekodzero yehupfenyuro yeruzhinji , iyo inozivikanwawo seCLTA / ALTA Pamba yeimba.
- Mutero wekugara, unozivikanwawo semutengo we Escrow
- County Transfer Taxes, inozivikanwawo seMagwaro ekutumira Mutero
Mari yepamusoro, kana inoratidzirwa muchibvumirano chekutenga semari yekubhadhara-mutengesi, ingaratidzirwa pamashoko ekuvhara sechikwereti kubva kune mutengesi kune mutengi. Nemhaka yokuti mari iyi haisi chikwereti kumutengesi kubva kune mutengesi, ivo zvino vanoratidzwa sechibvumirano kune mutengi, iyo inovadzora kunze.
Asi, o, iyo nzira inokonzera munhu wese, kubva kuna Joe Blow kumba kumutengesi kuvashandi vebhangi, kujekesa maziso eziso. Vari mukutambudzika. Uye isu hatigone kuigadzirisa kunze kwekuti hurumende ichigadzirisa. Kana hurumende ichiedza kugadzirisa izvi, ndine shungu dzekunzwa zvingoramba dzichiwedzera. Saka, inoratidzika seyiyi Chikwata 22.
Nokuda kwechikonzero ichocho, ndiri kutarisira kuti tsanangudzo iyi yakajeka yechinetso neicho chinonzi mutengesi kukoshesa kune mutengi mushoko rekuvhara kuchaita kuti munhu akaderera apfuure misoro yavo zvakare uye kunze kwemukova - chete nokuti inonzwa zvakanaka paunomira.
Chikonzero nei Mutengesi Mitsva paHUD Inoita Matambudziko Ekutsvaga Mabhengi Madiki
Mabhandi ekutsvaga mashomanana ane mirayiridzo inongororwa nevasimari Iyi mitemo inotsanangura kuti bhengi rinogona sei kubvumirwa kwemari pakutengeswa kwepfupi . Mimwe mirayiridzo inorambidza zvikwereti kumutengesi, uye mamwe mazano ane muganhu weperesenti yakabhadharwa kune mutengi.
Apo mutauri wekushamwaridzana asingazivikanwe neshoko rekuvhara anoona chikwereti chakataurirwa kune mutengi, kazhinji munhu uyu achakumbira kuti mari yacho ibudiswe. Zvakakosha kuwana vamwe vanhu kuti vanzwisise kuti mari yacho yave yatodzwa sekubviswa. Vanogona kuona izvi mumatema uye machena, pamberi pezviso zvavo, asi hazvirevi kunzvimbo yepamusoro. Vanoziva chete kuti mutengesi haagoni kupa mutengi chikwereti.
Mukuru wevarwi kana vhigiridzi wekuvhara haabvumirwi kuchinja chirevo chekuvhara. Mari iyo inofanira kuenzanisirwa sezvinorayirwa nemutemo wehurumende. Mitero haigoni kuvharidzirwa kuzotarisana nekutengesa kwekutengeserana kwekutengesa kutsva.
Ndinogona kutumira nhaurirano nesangano re RESPA rinotsanangura mitemo asi vakawanda havasi kunzwisisa. Saka, kana iwe uri mumwe wevanhu ivavo, usanetseka pamusoro pekusaziva kwako. Vanhu vazhinji vakavhiringidzika uye muchikepe chakafanana newe.
Ndinoda kuti: Itai kuti irere, asi ini ndine uremekedze. Nokuti chokwadi ichocho mari haisi chikwereti kune mutengi.
Kana iwe uchiri kuvhiringidzika mushure mokudzokorora mashoko ose aya, zvingava pfungwa yakanaka yekufunga imwe mutsara webasa.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.