Kudzokorora & Zvisingaiti-Zvakare Zvokuvhara Mari

Zvaunotarisira Pakutenga Imba

Mukutengeserana kwemahombekombe, chero mari yaunobhadhara kuti upedze chibvumirano chacho, mari yepamusoro pamusoro pemutengo wekutenga, inouya pasi pemuraira we "yekuvhara mari." Pfungwa yekuvhara ndiyo iyo zita reimba rinotamirwa kubva kune mutengesi kune mutengi. Zvimwe zvacho zvinogona kuita kuti zvivharo zvivhare.

Kune mutengesi, kuvhara mari ndeyemari yose, kunze kwezvisungo kana kuti zvinyorwa, izvo zvinobviswa kubva pamutengo wekutenga.

Kune mutengi, mari yose yehupfumi yekuvhara mari inobva pane iyo nzvimbo iri kutengeswa uye kukosha kweimba iri kutumirwa. Vashandi vekumba vanowanzobhadhara pakati pe2 kusvika ku5% yemutengo wekutenga. Saka, kana imba yako inodhura $ 150,000, unogona kuripa pakati pe $ 3,000 ne $ 7,500 mukuvhara mari. Paavhareji, vatengi vanobhadhara mari inosvika $ 3 700 pakuvhara mari, maererano nekuongorora kwechangobva kuitwa.

Mitero inokweretesa kuti "inowanzo" ndeye iyo inobhadharwa zvakare uye zvakare yakadai semitero yemitero kana inshuwarisi yeimba. Mari dzisiri-dzoga ndeye iyo inobhadharwa kamwechete.

Kunyange zvazvo kugadzirisa mari inofungidzirwa munharaunda yese yekutengeserana kwedzimba, nokuda kwechikamu ichi tichaisa pfungwa pakutenga pamba tichienzanisira.

Mienzaniso Yezvisingadzokeri Kuvhara Mari Dzokuvhara Vatengi

Kazhinji, nzvimbo yako yeimba inorney ichakupa muongorori wekuvhara mari apo chibvumirano chiri kugadzirirwa.

Vatengesi vanodiwa nemutemo kuti vakupei kuongororwa kwakawanda kwemari yako mukati memazuva matatu mushure mekugamuchira chikwereti chako chekubhadhara chikwereti, icho chichavhara mari dzavo dzokuvhara.

Yeuka, zvose izvi zviyero uye mari chaiyo inogona kuchinja. Kwemazuva masere musati wapera, mupepeti anofanira kupa chirevo chekuvhara chizaruro chichave nemari chaiyo uye yekupedzisira inokodzera. Kana pane zvakasiyana kubva kuongororwa, uyo anokweretesa anofanira kufanotaura nei. Zvimwe zvinogona kutaurirana, zvakadai sekutungamira, kutumira kana kutumira mari.

Kuvhara mari kunogona kusiyanisa kubva pane zvauri kutenga uye kwaunenge uripo. Mitero inobva kune iyo inobhadharwa kuenda kunheyo , kukwidza kana mareji; documentary transfer tax; guta / county kutengesa kana mitero yemitengo; zvikwereti zvekwereti kuongorora; kurekodi kana nyanzvi mari; real estate commissions; kuongorora; mari yekubhadhara yakadai semapota uye kufarira kubhadharwa .

Heino urongwa hwekuvhara mari dzinoshandiswa nekutenga pamba:

• Chikwereti chemari yemari.
• Mari yekutanga yemari, iyo inokweretesa kubhadhara mapepa ekubhadhara chikwereti kwauri
• Mutero weGweta
• Kuongorora kwekumba kwekumba
• Nhaurirano dzinokurudzira (mari yaunobhadhara iwe uchienzanisa nehuwandu hwechikwereti)
• Kuongorora mari
• Kuongororwa kwemari (kutarisa mitsara yepaimba)
• Chikoro cheshuwarisi (kuchengetedza chikwereti)
• Title search fees
• Escrow deposit (semuenzaniso, mwedzi 'mitero yemitero uye yega mortgage inshuwarisi)
• Pest yekuongorora mari
• Kurejera mari
• Underwriting mubhadharo .

Kwete-Kuvhara Mutengo Mari yekugadzirira

Iko-yekuvhara mari yekubhadhara ndeyekuti - kwete mari yepamusoro uye hapana yekuvhara mari yekubhadhara. Zvisinei, vateresi vanopa mari yekuvhara mari yekugadzirisa mari inogona kubhadhara mari yepamusoro yezvikwereti kune chikwereti kana kuti mari yekuvhara mari yose mubhadharo inokweretwa. Mune zvimwe zviitiko, iwe unogona kuwedzera kubhadhara zvakawanda munguva yakareba - somuenzaniso, kana mari yekuvhara iri kuwedzerwa muchikwereti, iwe uri kubhadhara chikwereti kwavari.

_{Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.}