Kuti uwane ruzivo rwekutengesa mutengesi, iwe unofanirwa kuva nekodzero yekubhadhara mari yekutengesa uye ita kuti mujeri wako ave nematare maviri emataiti.
Mushonga wekutanga wepepa inobva pakugamuchira zvakakwana mutengo wemutengo. Yechipiri nethizha yakagadziriswa pakuwana mutengo wekutsvaga wemisha yemisha yakafanana munharaunda. Nenzira iyo vatengesi vanogona kutarisa huwandu hwehuwandu hwekunamata nhamba.
Nyaya Yokuvhara Zvibvumirano neCredits
- Zvinyorwa Zvokuvhara Zvokutengesa: Chirevo chekuvhara mutengesi, kwete kuti chivhiringidzike neHUD-1 , kuenzanisa kwekwereti uye zvikwereti. Chikwereti, somuenzaniso, ndicho chiyero chemari yekutengesa, nokuti iyo ndiyo mari iyo mutengesi anogamuchira. Zvibvumirano zvinosanganisira zvose zvinotengeswa zvinotengeswa nekutengesa kumba. Zvimwe zvikwereti zvinogona kuonekwa sezvipo zvebhadharo yemari, izvo zvichabviswa, kudzokera kune mutengesi anopa chikamu icho chave chabhadharwa mberi kwenguva iyo mutengesi asina imba yake. Kana vatengesi vari kutengesa pasina kuenzana , chengetedza mutengesi anounza kuti apfigire acharatidzwa sechikwereti kumashoko ekuvhara. Kutadza kwevatengesi kutengesa , kunze kwemutengo wekutengesa, mutsetse wepasi-pasi wezvikwereti zvose uye zvikwereti zvichaenzana nemutengo wekutengesa .
- Mutengo Wokuvhara Zvivako: Vatengi, kune rumwe rutivi, vanogamuchira chirevo chekuvhara chinoratidza mutengo wokutengeswa sebhadhiro, nokuti ndiyo iyo mutengi anokwereta. Kana mutengi ari kubhadhara mutero wemutero unofukidza chikamu chenguva iyo mutengesi akatora iyo pfuma, iyo iyo mari icharatidza sechikwereti kune mutengi (uye chibhadharo kune mutengesi).
Mutengesi Wechivharo Wokuvhara Mutengo
Mari dzinotevera dzinofungidzirwa kutengeswa kune mutengesi uye dzinopomerwa pamutengo wekutengesa. Nemhaka yokuti mutengesi mari yekutengesa inogona kusiyana kubva kune imwe nyika kuenda kune imwe nyika, kunzvimbo kusvika kumatare uye kuguta kune rimwe guta, muenzaniso unoratidzwa unobva pane chirevo chekuvhara shanduro kune mutengesi mu Sacramento, CA. Mari yako chaiyo inogona kuchinja. Chechitatu-mari yemari yakadai seyeya yemitemo yepaimboti, makambani ekucheka kana mahofisi ezvitoro achatarisira mutengesi akasarudzwa.
- Escrow . Iyi mitero inogona kusanganisira kubhadhara kushambadzira kwekutengesa, mari yekugadzirisa zvinyorwa uye mari yekodhairi .
- Kurejera . Mari yekukodha iyo chiito chekuita pane zvinyorwa zvevanhu uye chero mamwe magwaro anodiwa kubvisa musoro.
- Tumira mari . Guta reSramramento mhosva .275% ye1% yekutengesa kwemaoko uye, kunyange zvazvo inotaurirana, mutengesi anowiripa.
- Documentary Kudhinda Mutero kuChishanu . Iyi mari yekuCalifornia yakaverengwa pamasentimita 55 ne $ 500 yemutengo wekutengesa, pamari yakazara yekutengesa. Cherechedza: Haisi $ 1.10 yezviuru.
- Pest Inspections . Mari yekutora kuongorora chirwere .
- Pest Kukwana . Iko mari yebasa inobvunzwa kuti ibudise rondedzero yakajeka yekushungurudza.
- Dambudziko rezvisikwa Kuzivisa . Mharidzo ye geological uye yezvakatipoteredza.
- Home Warranty . Mutengo wegore rimwe chete warranty plan for the buyer.
- Roof Certification . Mari yekuzivisa denga kwemakore maviri kusvika matatu.
- Kugadzirisa . Mutengesi mavoti kana mutengi chikwereti kune chikumbiro chekugadzirisa basa.
- Vatengi Kuvhara Mari Mari . Mutengo unobvumirana unobvumirana musangano rekutenga kubhadhara mari yekuvhara kwevatengi .
- Zvimwe Mutengi Credits . Izvi zvinogona kusanganisira kutenga chikwereti buydowns kana zvimwe zvikwereti zvakabhadharwa kune mutengi panzvimbo yechibvumirano chekutenga .
- Utility, kana zvichibvira . Carmichael Water District, muC CA, somuenzaniso, anotumira mabhiriji emvura kuti aende. Mune dzimwe nyika, mabhiriji emvura "anoshanda pamwe chete neimba" uye haasati ataurwa kune musoro kana kukura, saka chengeta kuti uone kuti vari kubhadhara.
- Real Property Taxes . Chikamu cheProra chinokonzerwa kana mitero isati yakabhadharwa.
- Musha weZvenyika Imari . Izvi zvinogona kusanganisira chikwata chekugadzirira mari, uyewo chikamu cheporata chemunharaunda weimba yemwedzi wega wega asingabhadharwi.
- Real Estate Commissions . Kubhadharwa kunyoresa nekutengesa vatengi.
- Transaction Coordinator . Mari inobhadharwa kune mumwe munhu / kambani inobata mapepa ekutengesa uye kuziviswa kwezvitengesi .
- Mari Mibayiro . Mubhadharo wekubhadhara anoisa mari yakakodzera kubhadhara chikwereti chiripo zvachose.
- Title . Nheyo yemitemo inobhadharwa mutemo wemutengi wemutengesi.
- Kutumira kana Courier . Mari yekubhadhara kana kutakura magwaro.
- Wire . Iyi mari inobhadharwa kusangano rekugadzirisa mari yevatengesi netsika kumabhengi mutengesi.
Nyore Inobatsira Kutengesa
Chokutanga, wedzera mimwe mitemo kuti uone kuwanda kwezvikwereti. Uyezve wedzera mutengo wekutengesa kune zvikwereti zvemari. Bvisa chikwereti kubva pamari. Mari yakasara yakasara ndiyo mutengesi wetsva wekutengesa.
Kupa mutengesi kune kukwana kwakakwana, iyo yakawanda yemari inowanikwa, yakawedzerwa kumitemo yakakwana, ichaenzanisa pasi-line credit. Ichi ndicho chikonzero chibhadharo chakanaka chichagara chichienzanisa chikwereti chose pamusangano wekuvhara mutengesi.
Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.