Kutengeswa kwenguva pfupi kubhadhara chikwereti kunopomerwa neFBI Pano ndiyo nzira iyo FBI inotsanangura kubhadhara chikwereti: "Chero zvinyorwa zvisiri izvo, zvisiri izvo kana zvisiri izvo zvinotsigirwa nemunyori wechirungu kana mutengi kubhadhara mari, kutenga kana kutsigira chikwereti." Zvose mari inobhadharwa mutengesi inofanirwa kuratidzwa paHUD-1 .
Kufananidza uye Vateresi Vechipiri
Mukutengeswa kwechidimbu, vazhinji vanoita chikwereti chechipiri vanobata zvikwereti pasina hutano . Kana pfuma yepasi pemvura ichienda kuburikidza nekufananidzira , chikamu chechipiri chekukweretesa chinobviswa, uye uyo anopa chikwereti haawani chinhu. Somuenzaniso, kana imba yakatengwa nemadhora mazana maviri nemakumi maviri nemakumi mashanu nemakumi mashanu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matanhatu nemakumi mashanu nemakumi matatu nemashanu.
Apo misika inoderera, kana imba iyo iko zvino inokwana $ 100,000, chikwereti chechipiri hachina kuenzana, uye muteresi wekutanga akawana $ 40,000. Nzira iyo mitemo yakawanda yekufananidza inoshanda, wechikwereti wechipiri angada kuisa mberi, kutora chero zvikwereti kumashure kune uyo anotenga chikwereti uye anotanga kushandiswa kwayo kwekutsvaga.
Asi vechipiri vanokwereta havaiti nokuti vanenge vachiri pasi pemvura.
Vatengesi Vechipiri uye Vakatengesa Zvishoma
Mukutengeserana kwenguva pfupi, kazhinji mutengesi chete ari kugamuchira chero mari ndiye mutengi wekutanga. Kazhinji, zviri kumunhu anotenga chikwereti kupa chimwe chezvikamu zvaro kune wechipiri chikwereti. Izvi zvinokurudzira uyo anokweretesa kubvumirana nekutengeswa kwekanguva uye kusunungura chikwereti.
Mari iyo, kana iri $ 1,000, $ 3,000 kana $ 15,000, inotaurirana pakati pekutanga uye yechipiri chikwereti.
Short Sale Sale Mortgage Kunyengera uye Chechipiri Vanokweretesa
Vamwe vanoita chikwereti chechipiri vanotenda kuti vatengi, vatengesi kana vamiririri vanofanira kupa mari kutengeserana kwekutengesa kutsva, nekuunza mari patafura , nekubhadhara kune wechipiri chikwereti. Vaya vatengesi vanoramba kubhadhara kutengeswa kwenguva pfupi kunze kwekuda kwezvavanoda mari. Chinetso ichi ndicho chechipiri vanokweretesa vanoda kuvanza ichi mari yakawedzerwa kubva kune chikwereti chekutanga. Heano dzimwe nzira dzavanoita:
- Mutengesi anogona kutora mubhadharo yekambisi yemutengesi.
- Mutengi anogona kubhadhara chikwereti mushure mokunge mutengesi wapera.
- Mahofisi ekutengeserana / kutengesa vanogona kubhadhara bhaganisi pakarepo kubva kunze kwekutumwa kwavo.
Izvi zvingaita sokuti hazvina mhosva kusvikira munhu achiziva kuti hapana mari iyi iri kuHUD-1, asi mari iyi chikamu chekutengesa kweimba. Uyezve, kana muteresi wekutanga aine ruzivo, muteresi wekutanga angada chikamu chemari iyo semari yako yekubhadhara. Dzimwe mabhangi dzinoda fidaviti yakareba yengara . Aya magwaro anotaura kuti pane zvibvumirano zvakavanzika pakati pevamwe vemapato.
Taura Senguva Pfupi Chikwata Chekubiridzira
Vatengesi nevatengi vanowanzonzwa vachimanikidzirwa nemutsara wechipiri.
Mutengesi anoda kuti kutengeswa kwepfupi kuvhare nokuti kune zvipo kune mutengesi kuti aite zvishomanana kutengesa vs. kutsvaga . Mutengi anoda kuti mutengesi upfige nokuti mutengi anoda kutenga imba.
Vatengesi nevatengi havawanzwisisi mitemo inopoteredza kubhadhara chikwereti. Zvisinei, vashandi vavo, kuburikidza neicho chaiyo iyo vashandi vanobvumirwa kutengesa dzimba, vanofanira kuziva. Kana iwe ukakafungidzira hutengesi hwekubhadhara mari, dana gweta rako kune mazano. Pano pane nzvimbo shomanana apo iwe unogona kuudza vatengesi vechipiri vanoedza kuita mvumo yekubhadhara mari:
- Nzvimbo yako yehurumende yeGweta reGweta.
- The FBI
- Vhidhiyo - mapepanhau, terevhizheni, redhiyo.
- Inthanethi mabhogiki / columnists.
- The Fannie Mae Taskforce ( yekutengeswa kwepfupi kwaFannie Mae ).
Kutengesa chikwereti kune mhosva inopomerwa mhosva uye kupesana nemutemo. Hapana bhengi rakakura kwazvo kuti risatora pasi.
Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.