Tsanangudzo yekutambudzika
Dzimwe nguva dambudziko dambudziko rekuona. Dambudziko rinotsanangurwa semamiriro ezvinhu akaoma kutsungirira. Inogona kusanganisira rudzi rwekutambudzika. Iwe haufaniri kunge uchigara mune kadhibhodhi bhokisi pasi pe bhiriji kuti uwane dambudziko. Iwe unogona kuva nyanzvi yeNBA yakafanana naRon Artest, uyo akatenga imba ye $ 1.85 mamiriyoni muLoomis, CA, uye akazozvitengesa sekutengeswa kwema $ 1 mamiriyoni.
Kukosha kweimba yaArtest kwakawira nehafu. Akanga ari kuwana $ 7.5 mamiriyoni paakatenga imba. Mari iyo yakaderera kusvika $ 5.85 mamiriyoni paakatengesa. Akave akarasikirwa anenge 23% emasimba ake ekuwana - ihwo hutambudziko. Pano pane maitiro ematambudziko. Vatengesi vachafunga nezvemamiriro ezvinhu anotevera, uye havafaniri kuitika pachavo iwe pachako. Inogona kuva nhengo yemumhuri inokutsigira - mune zvemari kana nemanzwiro kana maviri - kana kuti watinovimba naye kuti akutsigire uyo akatambura nedambudziko rakadai se:
- Kubasa
- Inopera mari (furloughs, basa idzva, kurasikirwa kwebasa, kubhadhara)
- Kurwara kana chirwere chekurapa chirikurumidza
- Jobho kutumira (kuzvipira kana kuzvipira)
- Kurambana, kuparadzana kana matambudziko emhuri
- Exotic mortgage terms (chikwereti chinogadziriswa )
- Basa rehondo
- Rufu mumhuri
- Kusungwa
- Kuwedzerwa mari uye mari yakawanda
- Kusarudzwa kusingatarisirwi kana kugadziriswa kwemusha
The Strategic Short Sale Walk
Kukurudzira kwevatengesi vakawanda vanoshuva kutengesa zvishomanana ndiro dambudziko iro mari yavo yekubhadhara mari inowanzopfuura kukosha kwemisha yavo. Vanokwereta kupfuura misha yavo inokosha. Vaya vatengesi havadi kupfuurira kuburikidza nekufananidzira kwezvikonzero zvakasiyana-siyana, uye vanotarisira kunyatsodzivirira kukwereta kwavo.
Iyo sarudzo iri nyore ingadai iri yekuita shanduro yezvikwereti iyo inoderedza kusarudzwa kwemahombekombe pasi peimba yemari yemari. Chaizvoizvo, izvi zvingave zviri kutengesa imba shomanana yekutengesa kumudzidzi wayo, nokudaro achirega muridzi wacho achigara mumba. Izvozvo zvingaita kuti zvive nepfungwa dzakawanda. Asi kwete, haisi iyo nzira yedu muUnited States inoshanda. Kuti vatengese zvishomanana, mutengesi anofanira kutengesa uye kutama, kubhadhara kwemakore mashomanana ndokubva atenga imba yakafanana zvikuru kana kuti kunyange yakanaka kudarika imba vatengesi vagara vaine. Ndinoziva, ibenzi.
Nzira iri nyore yekuita kushambadzira kutsvaga kutsvaga kunyora tsamba yakasimba uye yakatendeseka tsamba . Isa pfungwa imwe mazviri. Chingave chisingave dambudziko kumwanakomana wako weChirungu mudzidzisi anogona kunyatsova dambudziko kwauri. Kana iwe waiva neimba muSouth Dakota uye basa rako rakatumirwa kwauri Hawaii, iro dambudziko, kunyange zvazvo vamwe vanhu vangafunga kuti Hawaii ndiyo imwe yenzvimbo dzakanakisisa dzekugara muAmerica.
Heano mamwe matanho:
- Iva nekutengesa kushandiswa kwenguva pfupi nhengo yejeri .
- Taura newe gweta unozivikanwa nekutengesa kwenguva pfupi.
- Iva nekodzero yekubhadhara mitero pamusoro pemigumisiro yemitero inenge yabviswa chikwereti kana, kana zvichiitika kugadziriswa, kubhadhara chikwereti pamusoro pekufunga.
- Tora mari yako yekutengeswa pfupi maererano nekutengesa kwakafanana , iyo inofanira kunge iri pasi pekutora chikwereti chako.
- Unganidza mapepa aidiwa nebhadha rekutengesa.
Apo Mabhangi Anotendera Vatengesi Kuti Vafambe Pasina Matambudziko
Dambudziko harisi nguva dzose rinodikanwa nokuti dzimwe nguva bhangi rinoda kurasa iyo nzvimbo pane ngozi kuitora mukutaridzirwa. Saka kakawanda kupfuura kwete, kutengeswa pfupi kunopiwa.
Mune mamiriro ako neBhange reAmerica kutengeswa pfupi , kunze kwekuti unokodzera HAFA purogiramu yekutengesa shoma , zvinogona kuti Bank of America inogona kukumbira mupiro wevatengesi .
Zvisinei, tsika iyo inoshanda zvikuru kunyanya kubhadhara mari yakweretwa uye kwete kutenga chikwereti chemari . Bhengi iyo inenge isingasviki $ 195,000 kubva pakutengesa uye udye zvakasara $ 310,000.
Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.