Nzira Yokuwana Nayo Short Sale Bank yekubvumira Kudzora Mari
Chii chinonzi HUD? Nei mabanki achida HUD?
IHUD-1 ibhuku reR RESPA rinotsanangura nenzira yakasvibiswa yose yezvikwereti uye zvikwereti mukutengeserana kwemaimba. HUD ndeyekuti mutengi anobatsirwe.
Haisi yebhadharo rekutsvaga bhengi rekutsvaga uye harisi iro rebhizimisi rebhizimisi rekutengesa shoma, kunze kwemari yakabviswa kubva kumutengo wekutengesa. Kana pane chimwe chinhu, HUD inosanganisira bhandi yomutengesi, kwete bhengi mutengesi.
Asi izvozvo hazviregi bhengi rekutengesa shoma kubva kubvunza uye richida kuchinjwa panguva yekubvumirwa kwayo. Nenzira yakanaka, kwete bhangi rimwe nerimwe rinoda HUD kubvumirwa. Semuenzaniso, vazhinji vechidiki vanobvumirana havabvumirwi neHUDs. Izvozvo ndezvokuti vakawanda vechidiki vanochengetedza vakangotarisa chete nezvehutachiwana hunobhadharwa kwavari.
Mutengo wekutengesa, uyo anokwereta chii uye kuti mutengo unobhadharwa sei, wechipiri vashandi vanoita zvakanaka. Haisi imwe chete nenzira imwe neimwe iyo yakapoteredza. Iyo inonyanya kushungurudza inoshushikana zvikuru sei mari yakabhadharwa kune junior bondholder, uye ndiani anoripa iyo. Kune dzimwe mamiriro ekugadzirisa kwechipiri vatengesi kuedza kutenga vatengesi kuti vaite mari yechibhadharo . Izvi ndizvo zvinoreva kuti vatengesi vechipiri vanofungidzira kuti vatengesi vokutanga vacharamba HUD kana mutengesi achivapa chero mari yakawanda, saka vanotaurira vatengesi kuti vaputse mutemo.
Ipi mabhangi anoongorora paHUD nokuda kwekutengesa pfupi
Nhamba yakajeka uye inonyanya kukosha pane HUD ndiyo mutengo wokutengesa. Dzimwe nguva bhangi rinogona kuti rinoda kubvisa chimwe chimwe, uye iyo mari yakawanda inogona kunge iri kupfuura mambure paHUD. Mune mhando dzemamiriro ezvinhu, nzira yakanakisisa yekuisa mari kubhengi mari yakawanda ndeyokukumbira mutengi kuwedzera mutengo wekutenga.
Kutenga mitengo iyo mabhenji anogamuchira haawanzovhiringidzika kubva pakuongorora kwakakwana. Neine mari yakawanda iri pangozi, mumwe aifunga bhengi raizoda kubhadhara mudzidzi anozvimirira kuti aone kukosha. Zvisinei, mabanki akawanda anobhadhara mutengesi wemuzinda wekugara-asingatombogoniwo unyanzvi hwekuvakidzana - kupa bhengi pasi-uye-tsvina maonero akakurumbira ekukosha kwavanoti BPO . Vanokwereta $ 50 kusvika $ 100 yeBPO. Iyi ndiyo muenzaniso wakanaka kwazvo wekuita penny uchenjeri uye kupeta upenzi sezvakaitwa naamai vako.
Ichi ndicho chikonzero chokuti vashandi vashoma vatengesi vatengesi vachatengesa kutengeswa pfupi nenzira imwecheteyo neanhengo yeBPO ichapa kukosha nokuti havadi kurwisana nebhadha rekutengesa shoma. Hazvina mhosva kana mutengo wekutengesa uri kukosha kwemashamba chero bedzi uchienderana neBPO.
Bhengi ichazoongorora imwe mari inoshandiswa kune mutengesi paHUD. Iwe unogona kushamisika kuti ndiani mutengesi wekutengesa pfupi , uye munhu iyeyo ndiye mutengesi. Bhengi rinongobvuma chete mari iyo mutengesi acharipa. Mari dzinowanzoitirwa mari yekuvhara mutengesi ndeyikuti:
- Komisheni kune vepanhauri vashandi / vashandi
- Nhamba uye mari yekusimudzira
- Chengetesa mari
- Kunyora, nyanzvi, nyanzvi yekugadzirira nematare
- Doc stamps
- Zvipfeko zvinodhura zvemitengo
- Mitero yemitero
- Zvikwereti zvakabhadhara kune vechidiki vechikwata
- HOA mari, kana pane
- Mutengi chikwereti chekuvhara mari
Mhando dzemari shoma dzekutengesa mabhengi anoramba paHUD
Zvose kazhinji bhaganhi ichabvumirana kubhadhara rondedzero yezvirwere kana waranti yeimba asi kazhinji. Mabhanki anenge asingambobhadhari pakugadziriswa kwekutengeswa pfupi . Izvo zvisingashamisi zvakare kubhangi kubhadhara mari yeAAA kana yeUCC filings.
Kana bhizinesi risingaregi kupa mari, somuenzaniso, inoti inoda kuderedza mari yekusimudzira kubva pa $ 1,500 kusvika ku $ 500, chii chinoitika kune chikwereti? Mumwe munhu anofanira kubhadhara mari iyo. Inogona kuva mutengesi kana inogona kuva mutengi. Escrow inogona kusarudza kuderedza mari yayo, asi izvozvo hazvigoneki.
Zvichida dambudziko guru rakabatanidzwa muHUD shoma shoma nderokuti vazhinji vanotaurirana havazivi kuiverenga. Havanzwisisi kuti mutengo wemutengesi pane HUD haisi nguva dzose chikwereti kumutengesi.
Kuchinja kweRSPA kunoda kuti chero mari ipi zvayo inoratidzirwa pamusoro pekutengesa kwekutenda kwakanaka kwevatengi kunofanira kuratidza sechikwereti kune mutengi kana vachibhadharwa nemutengesi. Zvinotaurirana nevatauri ndezvavanoratidzirawo sechibvumirano, chinoshambidza chikwereti kune mutengi. Edza kutsanangurira iyo kune $ 8-a-awa mubati.