Pane Zvimwe Zvingasarudzwa Pamadzimba Emvura Pasi Pamusoro Pokutengesa Pfupi
Musha wake uri pasi pemvura. Ko Maria anofanira kutengesa zvishoma here?
Chokutanga, Maria angangodaro haafaniri kutengeswa zvishoma . Haana dambudziko rezvemari. Anongova neimba iri pasi pemvura isina hutano. Chechipiri, Maria haadi kuti chikwereti chake chikanganiswe kana kuti FICO yake inowira pasi. Nguva shoma kutengesa kuchinja chikwereti . Chechitatu, Maria anoda kutenga imwe imba. Anonzwa kuti vavakidzani vake vakaderera pamusoro pemakore uye, semukadzi asina kuroorwa mudzimba, Maria haanzwi akachengeteka munharaunda yake.
Ndeapi marudzi emarudzi anosarudzwa aripo kuMaria?
Strategic Short Sales
Senguva yekutengesa kutsvaga kutengeswa pfupi pasina dambudziko. Yakarongwa, inoratidzwa uye inogamuchirwa nebhishopu shoma rekutengesa, dzimwe nguva mukutsinhanisa mari yakawanda inokurudzirwa kubhengi neye mutengesi asi iyo isingawanzoonekwi kuona uye mari yebhadharo haitomboitiki muCalifornia nekuda kweCalifornia Civil Code 580e. Senguva yekutengesa kutsva inogona kunge iri imwe nzira kune mutengesi saMaria ane imba iri pasi pemvura.
Somuenzaniso, kana Maria achibvarura kunze kwemudzimai wake pasi pemvura, aizowana madhora anenge 1 500 pamwedzi. Mari yekubhadhara mari , pamwe nemitero uye inshuwarisi inosvika $ 2 200 pamwedzi. Asingaverengi nzvimbo dzekugara, kugadzirisa kana kusarudzwa kusingatarisirwi, Maria aizobhadhara madhora mazana manomwe pamwedzi kuti atsigire imba yake iri pasi pemvura sechibharo.
Kwemakore gumi, iyo $ 84,000. Pakupera kwemakore gumi, Maria angave asati adzokazve humwe hutano. Anogona kunge achiri muhope, zvichireva kuti imba yake inogona kuramba iri mumvura.
Kana Maria anopa chero chinhu chiduku kudarika $ 84,000 kubhengi kuti amusunungure kubva pachikwereti chake uye bhanhire rinogamuchira iro, Maria anogona kunge ari mberi kwemutambo. Kunze kwekanguva-kukosha-kwe-mari, Maria angasafanira kumutengesa kumba kwemvura kuti atange kubata nebhangi. Mune dzimwe nzvimbo dzenyika, mari yekubhadhara mari inogamuchirwa nekutora chikwereti chikwereti.
Uyezve, haisi yekutengesa zvishoma kushandiswa kwekambani kunosanganisira kubhadhara mari kana chero chero rudzi. Vamwe vanokweretesa vanotarisa imwe nzira pamusoro pezvimwe zvinhu uye vanofunga mazano ega chete. Chero bedzi mabhenji achiwana zvinyorwa sezvaanoda, vanobvumirana nekutengeswa kwenguva pfupi.
Deed-in-Lieu
Somunhu, handitendi chiito chekuita-chiri-chinzvimbo chiri nani kudarika kufanirwa kunze kwekuti inopedza nguva yenguva yekumirira isati yatenga imwe imba kana gore. Chiito-in-place chinowedzera kufarira bhangi kwete muridzi weimba. Chikonzero chikuru chekupa chiito-mu-nzvimbo ndechokugumisa mamiriro acho ezvinhu, asi zvingave zvisina kufarira muridzi weimba nokuti zvimwe zvishomanana kutengesa zvinopa mari kune mwene weimba.
Exchange of Security
Kana muridzi weimba aine imwe nzvimbo isina chakanaka uye yakajeka, bhagheni inogona kubvumirana kushandura kuchengetedza kwechikwereti kubva mumvura iri pasi pemvura kuenda kumusha pasina chikwereti. Nokugadzirisa kuchengeteka kwechikwereti, muridzi wemba anogona kukwanisa kutengesa imba iri pasi pemvura pamutengo wakakodzera pasina chikwereti panzvimbo .
Kutengesa Nekugadzira Mari
Unogona kuzvibvunza kuti ndiani angada kutenga imba yaiva mumvura, asi pane vanhu vanotenga dzimba dzemvura pasi pezuva rimwe chete. Iko kunonzi vaimba veimba vanoenda mukunyoresa chikwereti . Maria angakwanisa kutengesa pane kambani yenyika kana kuti kusarudza kushandiswa kwekutengesa kune mutengi akachengeterwa mari asi akakwanisa kutenga mari yekubhadhara pamwedzi. Yakatenga tariro uye kutenga nguva yekuputsika.