Kunyange zvazvo kutengesa pfupi kunosanganisira kupa imba yekutengesa, kazhinji inorondedzerwa kuburikidza neMLS .
Vangangodaro vatengi vepamba vachaita kuti vatarise kuti vatarise imba, vamwe vanoita kuti vaBallball vape , vashandi vanogona kuchengetedza dzimba dzakasununguka uye, kazhinji, upenyu hwevatengesi huchavhiringidzika, vose vachitarisira kuti mutengi achatenga imba.
Basics of a Short Sale
Nhamba shoma inotengeswa inenge yaitika apo anokweretesa anobvumirana kugamuchira zvishoma kudarika chikwereti chakabhadharwa pamusha kana kuti hapana kukwana kutengesa nekubhadhara mari dzose dzekutengesa. Havasi vose vanokweretesa vachataurirana kutengeswa kwechidimbu, uye ndicho chikonzero mutengesi weimba yemagetsi kana gweta angave rubatsiro rwakanyanya kuburikidza nekutengesa kwekwereta kukonzera kushandiswa kwemashoko kuti awane.
Iwe haugoni kungomuka mumwe mangwanani uye usarudza kuti uri kutengesa imba yako kurasikirwa nekukumbira kutengeswa kwemafupi. Zvaiwanzoita kuti vatengi vaisazofunga kunyange kutengesa kutsva kana zvikwereti zvako zviripo, asi izvo zvakachinja. Zvisinei, zivai kuti vateresi vachava vanofarira kutaurirana kana zvikwereti zvako zviri mumishure.
Uyezve, kana une mari yemari, uyo anokweretesa angaedza kuendesa mabhuku iwayo.
Bhuku reShave Sale Seller rakabatwa sei?
Fair Isaka akabudisa mushumo unoti chikwereti chikoro chinoshungurudzika pamusoro pezvo, zvisinei kuti mutengesi anotengesa zvishomanana kana kutengesa. Fair Issac inotaura kuti mapeji akaenzana akarasikirwa paFICO mapeji ndeaya anotevera:
- Mazuva makumi matatu apera: 40 kusvika ku10 nharo
- Mazuva makumi mapfumbamwe ekupedzisira: 70 kusvika ku 135 pfumbamwe
- Kufananidzira, kutengeswa pfupi kana chiito-mu-nzvimbo: 85 kusvika 160
- Kushungurudza: 130 kusvika 240
- Kufananidza kana Dhiyabhorosi-mu-Lieu yekufananidzira: Zvose izvi zvinogadzirisa zvinokonzerwa nechikwereti, anodaro David Steep yeVitek Mortgage. Vatengesi vachatora tsvimbo yemapuraneti 200 kusvika ku300, zvichienderana nehuwandu hwechikwereti. Izvi zvinoreva kana chikwata cheFICO chikwata chisati chaitika 680, inogona kuvhara pasi se 380.
- Kutengesa Pfupi: Mhanje anosimbisa kuti zvinoitika zvekutengesa kutsva (kupa vatengesi vanopfuura mazuva makumi mashanu ekupedzisira) mushumo wechikwereti wechikwereti zvakafanana neyekutsvaga. Kuda kwechikwereti kucharatidza sechinhu chisati chasvika pakugadzirisa mumamiriro ekudzikinura, Steep anoti, izvo zvichaguma nekurasikirwa kwemashoko mazana maviri kusvika ku300. Izvi zvinoreva mutengesi shoma shoma neFICO yapfuura ye 720 anogona kuiona ichiwa kubva pa520 kusvika ku420.
Zvakaitika kwandiri semugove zvave zvakasiyana zvakasiyana. Ndakapedza kutengesa kutsva kweShambadzi mutengesi aiva nemazuva makumi mapfumbamwe nemasere pamutero wake. Mwedzi mishomanana mushure mekutengeswa kwekanguva kadiki, akachechedza ripoti rake rechikwereti ndokumuwana iye FICO akadonwa nemapfumbamwe chete kusvika 671. Ndinofungidzira kuti mamiriro ose emutengesi anosiyana.
Catherine Coy, mutengesi wechikwereti kumaodzanyemba kweCalifornia, anobvumirana ne Steep.
"Chiitiko pamushumo wechikwereti wevatengi - kufanirwa nekutsvaga kutengeswa-ndiko musiyano pakati pekurohwa nechitima kana bhazi," anodaro Coy, achitaura nezvevakwereta vari mwedzi mishomanana mumashure. Zvisinei, kupfuura kwemakore, kutengesa kwenguva pfupi kunowanzo kutakura kusagadzikana.
Kumirira Period Usati Watenga Imwe Musha
- Kufananidza kana Dhiyabhorosi-mu-Lieu yekutsvaga: Mutevedzeri unoti mutengesi anoda kutenga imwe imba mushure mekuvhara mberi kuchaguma nekumirira mwedzi inenge 24 kusvika kune 72 musati muteereri ape chero rupiro rwechido chekufarira icho chinonzwisisika. Coy anoti, "Mashoko akanaka kutengesa kutsva kuchaita kuti mutengi awane chikwereti chezvikwata zveimba itsva mumakore maviri".
- Kutengesa Pfupi: Vamwe vashandi vanotaura mashoko akanaka kune vatengesi vashambadzi vashoma kutarisira kwakapfupika vasati vatenga imwe imba , uye mirayiridzo ya Fannie muna 2008 yakagadzirisa nzira itsva.
Ko mutengesi angatenga zvakare mumakore mashoma maviri here? Kwete chaizvoizvo, anodaro Coy, "Inhema ndeyekuti mutengi 'anogona kutengesazve mumwedzi inenge gumi nemasere pamutengo wakanaka.' Zvisinei, mirayiridzo yeFannie Mae ikozvino inoda mwedzi 48 chete yekugadzirira, uye iyo haisi mashoko akanaka kwazvo kune vashandi vanoita basa rekutsvaga kwekutengesa. "
FHA yakagamuchira mirayiridzo muna 2010 inoti mutengesi aripo iye zvino uye anotengesa zvishomanana anogona kukwanisa kutenga imwe imba pakarepo. Vatengesi havasi ivo vanokurumidza kutevera iyo mirayiridzo. Zvisinei, Flagstar Bank yakapa Elk Grove mutengesi wekutengesa kutsva chikwereti chitsva mukati memwedzi miviri yekuvhara kutengesa kwake pfupi, uye mutengesi uyu akanga aripo panguva iyoyo. FHA inogona kubvumira chikwereti kune mutengesi wekutengesa zvishomanana uyo anokodzera pasi purogiramu Yadzo yekudzokera kune imwe basa mushure megore rimwe.
Cherechedza kuti mirayiridzo yaFannie Mae inobvumira mutengesi kuti anyore pakarepo chikwereti chitsva kuti atenge imwe imba kana mutengesi uyu akachengetedza mari ikozvino, asina hutsika kupfuura mazuva makumi matatu uye haana kubvumirana kubhadhara chikwereti ichocho. Uyezve, ndiyo inononoka kubhadhara iyo inonakidza purogiramu yako yechikwereti, kwete kutengeswa pfupi.
Kufananidza kana Kusarudza Kutengesa Pfupi
Kana iwe uri mutengesi achiedza kusarudza kana achirega imba ichienda kuburikidza nekutsvaga kana kuedza kutengeswa pfupi, kuregerera chikwereti chako chingave chakanakira kuita zvishoma, "anodaro Coy. Anoshuma kuti maererano ne "Score Factor Code # 22, hapana chikwereti chekwereti kune munhu anokwereta anokwereta nekutengesa kwepamusoro pamusoro pekufananidzira."
Ndine kusava nechokwadi kwangu pamusoro pazvo, zvakadaro. Kubva pane zvandakaona, pane zvishoma kukuvadza kune ripoti rekwereti mushure mekutengeswa kwemafupi kunobatanidza nguva dzekubhadhara kupfuura nguva yekufananidzira. Uyezve, rimwe rubatsiro kune avo vane mararamiro kune chikwereti chavo ndiko kukwanisa kutenga imwe imba vachishandisa mari yakawanda mukati memakore mana pamusoro pemakore manomwe anotarisirwa kushandiswa. Vamwe vanokweretesa vachaita chikwereti kumusha mutsva musi unotevera kutengeswa pfupi kwavharwa. Pane zvimwe zvidimbu zvekutengesa zvishomanana pamusoro pekufambisa. Asi tsvaka mvumo yepamutemo uye yemitero usati waita chisarudzo ichocho.
Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.