Mubvunzo: Mutengesi Anotengesa Sei Kudzoka Mushure mekuvhara?
Muverengi anobvunza kuti: "Tiri kutenga imba uye mutengesi akakumbira kuti adzore zvakare kwemazuva makumi matatu mushure mekuvhara." Mune mamwe mazwi, taizova vashandi venyika tisati taenda kumusha medu mutsva. Sei mutengesi achida kubhadhara? Tinofanira kubvumira izvi? "
Mhinduro: Zvikonzero nei mutengesi angada kubhadhara kumashure mushure mokuvhara kusiyana, asi hazvishamisi kuti mutengesi akumbire renti zvakare.
Imba mutengesi ari kutenga ingasawanika panguva iyo mutengesi wako wavhara kana mutengesi angave asingakwanisi kuwana bhaji rinofambisa pazuva rekupedzisira remwedzi, apo kudiwa kwekutambisa vans kwakakwirira.
Zvechokwadi, sevashandi vemusha mutsva , unogona kuwana mamiriro ezvinhu aya asingagadzirisi. Mushure mezvose, wakabhadhara mari yakawanda kumusha wako mutsva, pamusoro pekubhadhara chikwereti kune chikwereti chemusha wausati wagona. Zvinonzwisisika kuti iwe unoshuva kutamira mukati uye kutora pakarepo. Kunyanya, iwe ungasave wakatarisira kuzviwana uri mukana wekuva muridzi weimba.
Nzira Yokudzivirira Sei Vafengi Vekutengesa / Vatengi Kana Vatengesi Vachidzorera Kudzoka
Tora mamiriro ezvinhu aya sezvaunoda chero humwe hukama hwebhizimisi. Vatengi havafaniri kutendera vatengesi kuchengeta dzimba yavo vasina kuita chibvumirano chekugara. Idzi zvibvumirano zvinotsvaga mitemo nemamiriro ekugara kwevatengesi uye kudzivirira vatengi pamwe nevatengesi.
MuCalifornia, mahofisi edzimba dzepaimba vane pfuma yedu yakagadzirika inonzi Muzvitengesi mu Possession, iyo iri pakati pemamwe mazwi emitambarakiti, inotarisa mutengesi kubhadhara. Apo bhokisi rakakodzera rinoongororwa, iyi addendum inoshandura kontrakiti yekutenga .
I-SIP inobata chikamu chechikwereti chine nguva shomanana chakasara chiri pasi pemazuva makumi matatu uye ine zvinhu zvinotevera:
- Nguva yekutora nguva
- Nhamba yerenji pazuva
- Nhamba yekuchengetedzwa kwemari
- Pasinei nokuti kuchengetedzwa kwekuchengetedzwa kuchaitwa mukutengesa kana kusunungurwa kumutengesi pakuvhara
- Zuva rakapomerwa, kana iripo, rine chokuita nemari isina kukwana uye / kana kubhadhara kunogamuchirwa nguva pfupi pasina kukwidzwa
- Ndiani anokweretesa kuti zvipi zvishandiso
- Kodzero yomutengesi kupinda muimba
- Mutengesi wemabasa ekuchengetedza imba
- Kubhadhara basa uye kutora kodzero
- Mutengesi zvaanofanira kuita pakuzvipira
- Inishuwarenzi yezvinhu zvomutengesi wemutengesi
- Kusiyana kwemamiriro ezvinhu
Kana mutengesi akagara mazuva makumi matatu kana kupfuura, ipapo chibvumirano chekubhadhara chinofanira kuitwa.
Inishuwarenzi Inotengeswa yeSeller Rent Backs
Dzimwe nguva, vatengi vanosimbisa kuti vatengesi vanochengetedza musha wavo wekugara inshuwarisi purogiramu panguva yekubhadhara nguva. Kunyange zvazvo makambani einishuwarenzi asina kufara kuchengetedza kuparidzira kunobatsira, vazhinji vacharamba vachiita sarudzo pavanokumbira.
Zvisinei, kune matambudziko akawanda anowananidzwa neizvi. Mutengesi haasisiri pamba, saka kana paine chikwata, kambani yemutengesi yehushuga angaramba kubhadhara kudai. Uyezve, mutengi ane inshuwarisi yekugadzirisa nokuti vanokweretesa vanomiririra kuti mutengi wechushuwarisi mutemo anofanira kushanda pakuvhara.
Mamwe makambani emishuwarisi akatsigira kuti kana kudai kwaizoitika uye mutengesi wacho akatumira chirevo kune kambani yevatengesi, kunyange kana kambani yevatengesi aribhadhara, kambani yevatengesi angatarisa kune mutengi wechuwarisi yekuvhara kwekubhadhara.
Mune zvimwe zviitiko, mutengesi anofanira kutakura zvinhu zvezvinhu zvevatengesi nemotokari.
Kusarudza Mahedheni Okubhadhara KweSeller Rent Backs
Iyo yakakodzwa mutengesi aripo inotaurirana. Dzimwe nguva mutengesi haadi kubhadhara chero rendi asi anokumbira kugara mumba kuti mazuva mashoma asabhadhara. Muchiitiko ichocho, zvichiri kuchenjera kuita chibvumirano chinotarisana nehutano uye nyaya.
Nemhaka yokuti vazhinji vanotenga mari yeimba itsva, vatengi vari kutora chikwereti uye kubhadhara mitero uye inshuwarisi yeimba yavasingaiti. Zvinonzwisisika, mumatambudziko mazhinji, kutengesa mutengesi chiyero chakaenzana nekunamatira kwezuva nezuva kunosanganisira mukuru wemutengesi, nhengo , mitero uye inshuwarisi.
Kana mutengi wemutengo wekutenga chikwereti chinosanganisira mapiritsi (mitero uye inshuwarisi), zvakajeka nyore kugovana kubhadhara kwePITI nemazuva makumi matatu uye kutengesa mutengesi anowedzera mari pazuva.
Somuenzaniso, kana kubhadharwa kwomutengi kuri $ 3,000 PITI, iyo inogona kuenzana $ 100 pazuva.
Asi mutero wePITI wekutengesa mutengesi haudiwi. Vatengi veSt Smart vaizoongorora mahara emarenda ekubhadhara. Vanokwanisa kuwana PITI yekubhadhara kuverengwa isiri kudarika mavhareji ekubhadhara mazinga.
Nokuda kwekudzivirirwa kwakanyanya - uye kutevedzera mitemo yekudzora renharaunda kana mamwe mimwe mitemo yehurumende inotungamirira varidzi venyika nevatengi - vatengi nevatengesi vangave vachida kutarisa kusaina chibvumirano chekugara chekugara. Kuti uwane mamwe ruzivo, taura nekambani yemuzinda weimba.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.