Mitatu Mitatu ye Foreclosures
Kufananidza ndeye flip parutivi rweAmerica kurota kweimba yeimba . Icho chiri chimbadzi chinotyisa chakaipa uye chinogona kukonzera kukanganisa kunogara kwenguva refu uye kunoparadza kumari yomunhu oga. Kufananidza kunogona kupedza kuenzana mumusha.
Inogona kuparadza chikwereti chemunhu kwemakore uye inogona kureva kubvisa mhuri kubva kunharaunda yavo, shamwari, mhuri, uye zvikoro.
The Upside to Foreclosures
Zvisinei, kune anonyengedzera, uye ane tariro yezvokusimbisa mari, kutenga zvinhu zvakatarisa zvinogona kunge iri dambudziko rekutengesa imba. Tariro ndeyokuti vose mapato ekutengeserana kukunda kuburikidza nekubatsirwa kubva panguva yekutsvaga kwekuremekedza - iyo inobhadhara mari yakanaka kumudzidzi wezvokutengesa uye kupatsanurwa kweimba yeimba - uye inogona kurega kukosha kwekodhi yemuvako zvisati zvaitika.
The Downside to Foreclosures
Kubatsirwa kubva kune foreclosures hakusi iyo-brainer vakawanda vanofunga kuti iyo-yega yega kubudirira nyaya, pane zvingave zvishanu nyaya dzinotyisa. Zvose zvekutengesa kwedzimba zvinosanganisira ngozi. Kunyange zvazvo vatengesi vane zvakanakisisa zvezvinangwa zvingabatsira kuderedza ngozi yavo, havakwanisi kuipedza zvachose.
Mhando Nhatu dzeZvirevo
Pane nzira nhatu dzekutora zvinhu zvinotambudza , zvichibva pane imwe nzvimbo iyo iri muhutano hwekufambisa.
Iyi nhanho mitatu ndeyotevera: kutangira-foreclosure, kufungidzira, uye mushure-kutangira.
- Pre-foreclosures
Muchikamu chekutanga-foreclosure, vatengesi vangave vakakwanisa kuita zvakanakisisa kune muridzi wemba anotambudzika uye ivo pachavo. Kufanotangira-mberi ndiko kunowedzera kukanganisa kwekodzero yemuiti weimba kunogona kushandiswa uye imba inogona kuendeswa pamutengo unobvumirana mutengo isati yasvika kuwana mutero unobatanidzwa. Izvo zvakakosha zvinogona kutungamirira kuwana nzvimbo iri panhanho iyi inogona kubva kumakwikwi, mabhuku, mabhizimusi vashandi , kana kuburikidza neshamwari dzebhizimisi neshamwari. Equity yekuregererwa zvakare inofanira kufungwa.
- Foreclosure Stage
Muchikamu chinotevera, apo pfuma iri panzvimbo yekutangira, nzira yakanakisisa yekutsvaga chivako chinenge ichibva nehofisi yeClerk Clerk. Tsvaga kuti maziso ekutsvaga akaiswa sei uye asarudza kuti ungarudze sei kuburikidza nehurukuro yakawanda yekuwana kumira mberi kutengesa kutengesa. Iwe unogonawo kukwanisa kukumbira kuti kero yako kana kero ye-e-mail iiswe panzvimbo yezveruzhinji risati raitwa kana kuti rwandu rwekufungira zvisizvo. Nhepfenyuro yemakambani ehurumende inogonawo kubatsira munharaunda iyi nekupa ruzivo rwakanyorwa ruchienzanisa kutarisira kwebhizimisi remangwana.
Kufanirwa kwekutonga pachako pachako kuchasiyana kubva kune imwe nyika kuenda kune inotevera, zvichienderana nokuti iri musoro kana hurumende yenyika, iyo inosarudza kana kutonga kana kuti kusina kutonga kwekuvharidzira kunobatanidzwa. Utongi huri mberi hunobatanidza nekutora mari, panzvimbo yezviito zvekutenda, uye kutora nguva yakareba kuti upedze.
Nzira dzisiri dzekutonga dzinosanganisira mabasa ekuvimbika apo mumwe wechitatu, anonzi mutrasti, anotarisira basa rose munyaya yemwedzi miviri kana mina mushure mekukwereta akasiya uye akamira kubhadhara. Kana imwe nzvimbo ichipfuura nenyaya yekutonga kana kuti isiri yekutonga, ikozvino yakagadzirira kutengeswa pamushambadzi kune uyo anotenga chikwereti.
- Post-Foreclosure
Uye pakupedzisira, pamusana pokutanga-mberi, mukwereti atotora kutonga kweimba yacho. Imba yacho ndiyo inenge iri mune yekwereta ye REO (Real Estate Owned) nedhipatimendi, kana mumaoko emaitsvadzi kana muridzi wekutsvaga uyo akatenga pfuma pachivako.
Tarisa chiziviso chekufananidzira kuti uone zita remunhu anenge ari chikwereti uyewo chikwereti chakweretwa pane chikwereti. Vatengesi vanowanzova vatengesi vanoda chaizvo nokuti REO pamabhuku chiratidzo chekuita kuti varombo vatore chikwereti chisarudzo. Zvose zviri mberi uye kurasika zvinosanganiswa neRO - zvinoratidzirwa mune zvose zvinowanikwa zvikwereti kune chikwereti chinofanira kuchengetedza uye chero ipi zvayo inogona kupiwa mari yekuchengetedza pfuma - inoreva bhagoni inogona kunge inoda kugoverana .
Kana iyo pfuma inopera mumaoko emumwe muzvinabhizimisi wega, panzvimbo yeaibhadhara chikwereti, iwe unogona kunge uchikwanisa kugovera iwe pachako kana nekubatsira kwemajeri edzimba . Zvisinei, mutengo uri pano unogona kunge usingave uri pasi pedombo.
Chimwe chinhu chikuru chekutsvaga kwekutsvaga kwekuita ndechokuti upinde muhutano hwekufananidzira. Zvakakosha kuti iwe uone chimwe chezvikamu zvitatu zvakambotaurwa uye kuva nyanzvi mune imwe nzira, iyo ichakubatsira iwe kuti uwane kubudirira zvikuru pakuva mutengesi kwenguva refu wekutambudzika kwemamiriro.