Vanokwereta vanorega kugadzira chikwereti chekubhadhara mari nokukurumidza kana kuti gare gare vanoita kuti bhangi iite mberi. Zvino, kuti kufanirwa ikoko kunoshandiswa kunoenderana nemutemo wehurumende. Inopfuura hafu yehurumende muUnited States inotendwa nedzimwe nyika, uye zvinotarisirwa mukutendwa kwenyika zvinoshandiswa nemutongi.
Yeuka mupfungwa kuti Fannie Mae zvishomanana zvekutengesa zvisiri izvo zvinoshandiswa zvakasiyana. Fannie Mae naFreddie Mac havawanzogadziri vashandi vematareti.
Usati Waita Zvekutsvaga
Mushure mekuripa chikwereti asiya kugadzira chikwereti chekubhadhara chikwereti, uyo anopa chikwereti anozivisa musimboti kuti atange kupembera mberi kwekutsvaga. Mutrasti chikamu chechitatu kune chivimbiso chekutendwa, imwe nzvimbo inoshevedza "kubata musoro wakashama."
Kunyange zvazvo pasina nguva inotarisirwa isati yasvika kuisa Chiratidzo cheKutadza , vazhinji vanokweretesa vanofarira kuedza kuunganidza munguva yekutanga 60 kusvika ku 90 mazuva apo anenge akwereta achiwira muzororo, panzvimbo yekuti adzike mukutora matanho. Vamwe vanoti seCalifornia vanoda kuti chikwereti chipe mukwereti kwemazuva makumi matatu emaziso asati aisa Chiratidzo cheKutadza.
Kana Chero Chiziviso cheChina chisingazivikanwi chikaiswa, munhu akwereta ane mazuva anoda kusvika 90 kuti adzorere chikwereti kuburikidza nekubhadhara chikwereti kumashure uye kubhadhara mhete dzakare, izvo zvinosanganisira mari yemuteresi.
Nzira 5 Dzokudzorera Nhumbi dzeTrasti
- Rudzikinura Mortgage: Kune musiyano pakati pekudzorera chikwereti nekudzikinura chikwereti asi iwe unowanzonzwa mazwi anoshandiswa zvakasiyana, izvo zvisina kunaka. Kudzikinura chikwereti kuri kubhadhara chikwereti; kudzorerazve, chikwereti chinouya zvino. Mumazuva okupedzisira ehutongi husati huri kutonga, mutero haafaniri kubvumirwa kubvuma kudzorerwa asi anofanira kubvumira rudzikinuro.
- Isa Chigadziriswa Chechikwereti: Vanokweretesa havakwanisi kuti vatsigire zvekutengeserana mukutsinhanisa nekugadziriswa kwechikwereti , asi mabanki akawanda achaedza kushanda purogiramu yekubhadhara kwenguva pfupi. Izvi hazvirevi kuti bhangi haigoni kutumira imba kuendesa. Saka chenjerera. Vanokwereta vangada kubvunza bhengi kuti vanyora zvakanyorwa kuti havazoenderera mberi neinottion.
Dzimwe mabhengi ane sneaky. Aya mabhengi achapa shanduro yekwereti yenguva pfupi uye, mushure memwedzi mitatu kusvika kumatanhatu, vaudze wakwereta ari kuvhara mberi kwekudzivirira nokuti anenge akwereta haafaniri kuwana chikwereti chekugadzirisa zvachose. Vanoti vanoonga nekuda kwekubhadhara chikamu uye kuisa Chiratidzo cheKutadza.
- File for Bankruptcy: Kubhadhara mabhizinesi hakuiti zvachose nhepfenyuro asi kunogona kudzorera nhepfenyuro kwenguva yakati. Kana munhu ane chikwereti akafuratira kubhadhara, dare rinorayira mutemo unozivikanwa seA Automatic Stay unodzivisa kuedza kubva kune vane chikwereti kuti vawane mari, iyo inosanganisira kuregererwa kushambadzira. Zvakafanana nekuudza imbwa yakadzidziswa kugara uye kugara. Asi uyo anokweretesa anogona kuisa mutsindo wokusimudza Automatic Stay, kunyanya kana Chirairo cheChina chakanga chatoiswa.
- Faira Murairo Wekudzivisa Kurongeka: Vanhu vakawanda vanobatanidza kurongedza kwechinguva kwekugadzirisa nekushungurudzwa kwevabereki, asi kukumbira dare kuti vadzivirirwe kubva kune kushungurudzwa kunogonawo kusanganisira chikumbiro chekudzokazve kushambadzira. Vanokwereta vachada kukwereta gweta kuti vaise urongwa hwekudzivirira kwenguva pfupi, uye iyo gweta inogona kudikanwa kuwana chikonzero chinobva pakubiridzira kana chimwe chekukanganisa kune chikwereti chikamu. Kunyange kana gweta iri kubudirira uye rinopesana nharo, urongwa hwokudzivisa hahuna hurumende.
- Kuedza Kuita Kutengesa Pfupi : Kutaurira chikwereti icho akakwereta ari kuedza kuita zvishomanana zvisingakwani. Anokwereta anofanira kutumira chikwata kubhengi kubva kune anokwanisa kutenga. Nhengo yemuzinda kana gweta anobata kubvunzurudza kune akakwereta anodana bhaganisi wekutaurirana uye anokumbira kudzorerwa kwendesa. Kazhinji, mabhanhire haazofungi chikumbiro chekudzokorora kusvikira auction iri mazuva mashomanana kure. Zvakaita sokuti bhandi rinoita kuti vakwereti vagare pamapini nemasero, vachibvunza kana iyo minda ichadzorerwa.
Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.