Ndezvipi zvinobatsira: foreclosures, short sales kana REOs?
Zvisinei, pasina ruzivo rwakananga pamusoro pokuti ungatora sei kutengesa kwekutsvaga, kutengeswa pfupi kana REO, unogona kuzviwana uri munharaunda ine ngozi.
Semuenzaniso, nepo nguva shoma shoma yekutengesa inoshandiswa mberi, kwete zvose zvinotanga kushandiswa ndezvishoma kutengesa uye kwete kutengeswa kwekanguva kusati kwasvika. Kuti uwedzere kubatanidza nyaya, REOs hadzisi dzekutengesa zvishomanana, asi zvimwe zvinotengeswa zvishomanana zvinogona kuguma seReO.
Ndeipi nzvimbo yekufananidzira?
Chinhu chekufananidzira chimba ndechenyu mukufananidzira - kana chiziviso chekusiyiwa chave chaiswa muzvinyorwa zvevanhu. Zvinoreva kuti muridzi wega akarega kugadzirisa chikwereti uye uyo anopa chikwereti akapa chiziviso kuti kana kunze kwekubhadharwa kuri kukwidzwa kusvika panguva ino, inotengesa iyo pfuma kune akakwidziridza.
Vatengesi vanogona kufambisa mberi kune zvimwe zvikonzero, asi chikonzero chinonyanya kukopa vanokweretesa chiziviso chekusiya chikwereti apo apo anenge akwereta anenge mabhiriro maviri mubhadharo.
Kana muridzi weimba asingauyi iye zvino chikwereti, uyo anokweretesa achatora imba yacho kubva kune muridzi. Nhanho yekupedzisira mutengi anotora mushure mekunge imwe nguva yapfuura ndeyekuedza kutengeserana pfuma pakutengeswa kwevanhu.
Hasi misha yose inowira mukugadzirisa inoenda kutengesi yevanhu nokuti vadzidzisi vane kodzero yekugadzirisa zvikwereti kusvika kune imwe nguva, nguva inoshandiswa kubva kuhurumende kuenda kune imwe nyika.
Vashandi vemari vepfuma uye vatengi vekumba vanoona purogiramu yekutenga zvigadziriswa nokuti vanogona kutenga nzvimbo yekuda mari yacho, kutora chikwereti chomusha chemhuri pasina rusununguko.
Nzira yeCalifornia mutemo inobata sei kufambisa / kutsvaga vatengesi vatengesi
Nyika dzine mitemo yakasiyana-siyana inotungamirira mberi uye dzimwe dzinotevera mutemo weCalifornia . Kuti unzwisise zvakakwana kodzero dzako semutengi wokutsvaga, taura nekambani yemugoti gweta. Zvisinei, zivai kuti kwenguva yakareba muCalifornia, mutengesi weimba yepamusoro aisagona kumiririra mutengesi wekutsvaga kana zvirevo zvina zvinotevera zvaiva zvechokwadi:
- Imba yacho inofanirwa kunge yeimba yomutengesi.
- Imba iyo imba yemhuri imwechete kana 2 kusvika ku 4 maundi .
- Chiziviso cheDhigiridziro chakaiswa muzvinyorwa zvevanhu zvinopesana neimba.
- Mutengi wemutengesi haazoiti pfuma.
Zvisinei, kana chimwe chezvirevo zvina zvacho chakanga chisiri chenhema, mumiririri muCalifornia aizotenderwa kumirira vatengi, kunyanya kana mutengi aizotora imba. Asi kumiririra mutengesi, CA mutemo inoda kuti vashandi veimba yepamusoro vaite chisungo. Hapana hukama hwakadaro hunowanikwa muCalifornia. Nokudaro, semushambadziri wekutanga kuCalifornia, vatengi vakawanda vakamanikidzwa kuzviita ivo pachavo.
Dare reCalifornia rakatonga muna 2007 kuti chisungo chekusungwa chakanga chisiri kushanda. ICalifornia Association of Realtors yakabva yaita kuti iwane purogiramu yakasiyana yemafungiro ayo vashandi vanogona kushandisa kusimiririra varimi.
Ziva, semurimari, iwe unofanirwa kutevedzera Equity Sales Act. Pakati pezvimwe zvinodikanwa, vatengesi vari mukufambisa vane kodzero yekudzivisa (kurisa) mutengesi mukati memazuva mashanu. Vashandi vanofanira kupa chiziviso chevatengesi chekodzero iyoyo, kusanganisira kopi yefomu iyo ichaita kuti vatengesi vasiye.
Kukundikana kutevedzera Equity Sales Act inotakura zvikwereti zvakakomba, kusanganisira urongwa hunopa mutengesi kodzero yekuregesa kutengeswa kusvika kumakore maviri shure kwekutengeswa kumutengesi akavhara uye kudzorera pfuma yacho. Iwe unoverenga izvozvo zvakarurama. Makore maviri.
Sokusimbisa mari, usati wasarudza kutenga imba mukutsvaga nekugadzirisa zvikwereti kumashure kune uyo anokweretesa, achipa mutengesi madhora mashomanana uye kutumira chiito, akadana gweta redzimba .
Ndeipi pfuma pfupi yokutengesa?
Kutengeswa kwenguva pfupi kunowanikwa apo mwene weimba ari kuzarura asi musati pamba pamba ichienda kunharaunda.
Pasi penguva shoma, mutengesi anofanira kubvumirana kubvuma zvishoma kudarika chikwereti chakabhadhara pachimba.
Kusiyana nekufananidzira, vatengesi vanowanzotenga imba yacho kunyange zvakaderera nokuti vashandi havasi kubhadhara chikwereti chiripo kana kuita mitsva yekudzokera. Vashandi vari kutora chikwereti nemutengi akange aripo kuti atore zvishoma kudarika izvo uyo anokweretesa ari kuuya kuti arege kushanda nekutangira.
Iyo nhema yokuti vateresi havazoiti kugadzirisa nemumwe mutengesi kunze kwekuti mutengesi asara shure mushure mokutengesa kwevatengesi kuti vaite nguva yekubhadhara chikwereti . Vatengesi havadi kuti vave vasina kukwanisa kutengesa kutsva kuti zviitike. Kune mutengi anoda kutora pamba, kutenga kushambadzira pfupi kunoita kuti tive nemafungiro emari.
Ndezvipi REOs - Real Estate Yakapiwa?
- Kutenga REO kwakafanana nekutenga kutengesa kutsva kunze kwekuti nzvimbo yacho inenge yave inenge iine pfuma yekweretesa.
- Imba yacho yakawanikwa neaikweretesa kuburikidza nechiito chekufananidzira.
- Kazhinji vatengi vanozotengesa dzimba dzakapambwa zvishoma kudarika chikwereti chekare chemari.
- Bhanga-vane dzimba dzinonzi REOs, zvinoreva r eal e state o wned nemutengi.
Mabhandi anoguma achiita pfuma iyo apo hapana munhu aripo anotengesera mabhidha akakwana kuti avhare mari inokwereta pamusoro peimba yacho. REO dzimba dzinowanzoonekwa seipi nzira yakanakisisa yokutenga nzvimbo yakaora mwoyo nokuti mutengesi anenge atobuda pamufananidzo. Inongova murimi wezvemari, mutengesi wemurimi webhangi, bhangi uye mujeri webhangi vari kutaurirana mutengesi. Dzimwe REOs dzinogona kutengwa zvakananga kubva kune chikwereti.
Kuti uwane mamwe mashoko, tsvaga mazano kune imwe gweta redzimba.