Vanokwereta Vanogona Kubatsira Kuronga Nzira yeTTRID
Kuwana chikwereti chinotarisirwa kuTrID chakanga chisisi icho chinotyisa chikara vazhinji vashandi mubhizimisi reimba yekutengesa vakatya pakupera kwegore ra2015. Consumer Financial Protection Bureau yakanyora pamusoro pekuti nzira dzekutengesa dzinoshandiswa uye dzinoziviswa kune vanokwereta musi waOctober 5, 2015, nekutangira yeTILA RESPA Kurudziro Yakabatanidzwa kana TRID.
Kutya kwechiitiko ichi chitsva kwakakonzera mamwe mahofisi edzimba kuti ataure zita rakanyorwa TRID rakamirira: The Reason I Drink.
Mushure mezvose, Chokwadi muLending Act (TILA), yakagadzwa muna 1968, uye Real Estate Settlement Procedures Act, yakagadzwa muna 1974, yakange iri dombo rekona rezvikwereti kwemakumi makumi emakore, uye kushandura mitemo yese yaiva inotyisa. Hurumende yehurumende yakabvisa HUD-1 uye yakatsiva iyo neChinyorwa Chiziviso (CD), uye Zvakanaka Kutaridzika Kwekutenda (GFE) zvakapera, zvakare, mukuda Kwekukweretesa Kusarudzwa.
Chinangwa che TRID chaiva chekuita nyore, asi chichiri chimwe chinhu chakaoma kune munhu akaenzana kuti anzwisise. Vazhinji vevanhu vakanga vasingazivi kuverenga HUD, naizvozvo hazvishamisi kuti kupfigira kwekuvhara zvakare kunonyadzisa - kunyanya kana munhu achikumbira tsanangudzo yezvikwereti zvevatengesi, zvakanyanya kufanana nezvikwereti zvekutengesa kune HUD , asi vashomanana vanoziva kuti kuverenga.
Pakutanga, takange tine mufaro unoshamisika wekutsvaga chikwereti pasi pekutungamirirwa kweTIRID patakatenga imba muHawaii. Mamwe mazwi okutanga akabuda mumitemo yedu yekukwereta yemari yemari yakanga tisina kunge taiswedera pedyo nenguva nekuda kwe TRID.
Takawana vatengi vakawanda vanonyevera vatengi kuti kupfigwa kunogona kunonoka nekuda kwe TRID, asi kunonoka kunowanzokonzerwa ne:
- Kuchinja mune kontrakiti yekutenga ,
- Kukundikana kweakwereta kuti apindure panguva yakakodzera, kana
- Chekuita chikwereti chemari chikwereti, kana
- Tsamba / escrow kubatana kusangana, kana
- Kusanganiswa kweiyo chero ipi zvayo kana zvose zvataurwa pamusoro apa.
Chikwereti chedu chakanga chakazononoka nekuda kwebhadhadziro rekubhadhara chikwereti chakanga chakanyarara pakurayirwa kuti chikwereti chedu chaisazovhara nekuda kwe TRID. Takanga tumira mharidzo imwe neimwe maawa mashoma kubva pachikumbiro. Mutungamiri wechikwereti chekwereti aive nemafuta edu akazara musi waDecember 24 uye haana kutumira faira kuinyorwa kusvika munaJanuary 5th. Icho ndicho chikonzero chekunonoka. Yakanga isiri yega nekuda kwekukanganisa pamushandi wekukwereta, zvikwereti zvekwereti kana kukwana mari.
Mutero wechikwereti chinotora chikwereti chakangodonha bhora. Haasi mvumo yekubhadhara chikwereti chekubhadhara chikwereti kune maoko, pamunhu. Vamwe vanovimba chete nemapurogiramu ekukweretesa uye dzimwe nhengo dzeboka ravo kuti vanzwisise TRID uye vatevere mitemo yayo. Nzvimbo yedu yekubhadhara chikwereti muCalifornia inogona kupindura chero mubvunzo watinomukanda, asi kwete nebazi reHawaii. Vose vakasiyana. Zvisinei, ruzivo rwedu pakubata nemamwe mahofisi ekubhadhara chikwereti uye TRID yaive iyo yekuchengetedza mari yakavhara pedyo nenguva iyo inonyatsokwanisa kugadziriswa.
Mari Yakakosha yeTrid
Kuongororwa kwechikwereti ibhuku remaji 3 rakagadzirirwa kugadzirisa zvinhu zvinokosha, mari, uye njodzi dzebhadharo. Zvinotarisirwa kuendeswa kumunhu anenge akwereta mukati memazuva matatu mushure mokunge awana chikumbiro chemari chikwereti asi pasati apfuura mazuva manomwe asati apera.
Kuongororwa kwechikwereti kunotarisa mazwi okubhadhara , kubhadhara mari , kubhadhara pakuvhara uye kuisa kuurayiwa kune zvimwe zvinodhura, zvakawanda zvisingagoni kuchinja. Chinofadza chaizvo pamusoro pegwaro iri rinoratidzira vateresi inofungidzirwa kubhadhara mwedzi mumwe nomumwe, iyo inosanganisira mitero uye inshuwarisi, PITI, chinhu chinokosha chakanga chisipo kubva kune yekare Yakanaka Kutenda Kuongororwa.
Kuzarurirwa Kwekuvhara kweTTRID
Iyi nyanzvi inotsiva HUD-1 neChokwadi Mukugadzirisa Kuzivisa, uye chinangwa chayo ndechokubatsira wakwereta kuti anzwisise zvose zvinotarisirwa nekweretwa chekwereti. Dambudziko guru iri rinobudisa pachena rine mimwe mari inobhadharwa nemutengesi panzvimbo yemunhu anenge akwereta uye ichivhiringidza kune vakweretesa nokuti mamwe emari iyi haisi mari inobhadharwa nemunhu anenge akwereta. Asi iyo hurumende yewe.
Sekukwereta, haugoni kuisa zvikwereti zvemari chikwereti kusvikira wagamuchira nekusayina Kuzarura Kuzarura kwemazuva matatu apfuura. Kana pane kuchinja kune chikwereti chako panguva ino, kuzarura Kuzarura Kuzarura kunogona kudiwa, iyo inogona kuwedzera nguva yekuvhara. Iti, somuenzaniso, iwe unofambisa kufamba kwekupedzisira kweimba yacho uye unowana firiji rakaputsika. Kana mutengesi achipa mari kuti atsive zera rakaputsika, izvo zvingava chikonzero chekugadzira Kuzarura Kuzarura, izvo zvingazowedzera mamwe mazuva matatu kuti isayine zvinyorwa zvemari.
Kuzarurirwa Kwekuvharidza ndeye fomu yepaji-5, imwe yacho yakafanana zvikuru neIkwereti Inotarisirwa uye inofanidza nemitemo yeMutero Unotarisana nemitemo yeKuzarura Kuzarura, kurutivi-ne-kurutivi. Zvimwe zvikwereti zvakadai sezvakabhadharwa kune chikwereti hazvikwanise kusiyana. Zvimwe zvikwereti zvakadai sekurekodha uye zvimwe zvemari mari yechitatu inosarudzwa nemunhu anenge akwereta zvinogona kuchinja ne10%, uye zvimwe zvikwereti zvakadai sezvikwereti zvikwereti zvinopfuura kudarika kusinganzwiki.
Nzira 5 Vanokwereta Vanogona Kudzivisa Kurambidza Kwechikwata Chechikoro kune TRID
1. Inishuwarenzi yako yakanakisisa ndeyokusarudza munhu ane chikwata chekubhadhara mari yechikwereti anonyatsonzwisisa kuti TRID inoshanda sei uye inogona kutsanangura matanho ose emutambo kwauri, kunze kwekunyatsoongorora vhesi yemusoro. Kubatana pakati pezviviri kunokosha. Vatungamiri vehurumende nevatariri vekuchengetedza avo vanovhara zvakawanda zvekutengesa vanowanzoshandisa masimba anodzivirira zvikanganiso kana zvikanganiso. Uyezve, kana MLO ichatanga kuchenesa pamusoro pe TRID, uye inoshandisa TRID sechikonzero chinokwanisika, enda kune imwe nzvimbo.
2. Zvadaro, nyora magwaro ako ose emari mberi. Vatengesi vanowanzoda zvinyorwa zvinotevera:
- Zvose zvakabhadhara mutero uye W2s
- Kopi dzemabhuku ose ebhangi
- Mazuva makumi matatu ekubhadhara mabhuku
- Kopi yelayisensi yako yekufambisa
3. Sarudza kana iwe uchida kuvhara chikwereti chako .
4. Dzorera zvose zvekuongorora zvekumba uye kukumbira kugadziriswa zvakakosha mukugadzirisa kwekuti chero chinoshandiswa pachibvumirano chekutenga hachizononoki kupedza kwako. Kumbira iwe wekutora chikwereti chekubhadhara chikwereti.
5. Kunyange zvisingatauri, ndichareva zvakadaro: usaita chero shanduko pane zvemari yako uchimirira kuvhara. Usachinja basa rako. Usatenga motokari. Usaita chero chikuru chekutenga zvese. Usatora chero chikwereti chakawedzerwa.