A Solution for Possible Low Appraisals
Mune misika huru yekutengesa dzimba inoshandiswa zvishoma uye mabhizimisi vakawanda vanotengesa kakawanda kumusha mumwechete, vanotenga pamba vatengi vanogona kunzwa kudiwa kwekupa mari yakakwirira yekutenga. Kazhinji, iyo inopa mutengo yakanyanya kukwirira kuti isaruramisirwa nevakwereta. Izvi zvinogona kuguma mune izvo zvinozivikanwa sekunyoresa maitiro. Zvisinei, vatengesi havafaniri kubvumira mukana wekuongororwa kwakaderera kuvadzivisa kubva pakusarudza chipo chinogona kunge chakakwirira kudarika musha unozoona.
Vatengesi vane zvisarudzo.
Ngatitarisei muenzaniso chaiwo wezvinogona kuitika mumusika unotengesa mutengesi . Chokutanga, dzimba dzevatengi dzinowanzoda kurwisa ndeye dzimba dziri:
- Mumamiriro ezvinhu akanaka
- Yakatengesa zvakanaka
- Munzvimbo yakakwirira inoda vavakidzani
- Kazhinji iri mune imwe nzvimbo yechikoro inoda chaizvo.
Kana imba yaunoda kutengesa ine dzose dzehu huno uye yakange iri pamusika kwenguva shoma, chiratidzo chokuti iwe, semutengesi ane nhanho, ungagamuchira zvinopfuura imwechete. Kunyanya kana pane chiratidziro chekufarira kwepamusoro uye mimwe mifananidzo yepamusha, inopupurirwa nevakawanda veemabhizimusi makadhi emabhizimisi akasiyiwa pamba yekicheni.
Ndezvipi zvakawanda zvinopa Pasi Puropu Ndeipi Yakanaka Kugamuchira?
Zvakajairika kuti vatengesi vafare kwazvo apo boka rekutenga rinopa , zvese zvinodarika mutengo wemutengo. Chinhu chokutanga mutengesi angangofunga kuti "O h, mai vangu, takatengesa imba yacho zvishoma ," zvinonzwisisika asi kwete zvechokwadi.
Kazhinji, kugamuchira zvakawanda zvinopa kuti unotengesa imba yacho zvakanaka. Inopa pamusoro pemutengo weruzhinji inoratidza kufara uye kutsunga kwomutengi kuti asarudzwa semupiro unokunda.
Cherechedza manzwiro epfungwa tsamba dzakapiwa nemutengo wekutenga. Kune mawebsite akawanda apo vatengi vanogona kukodha nekudzorera zvakare tsamba yakagadzirirwa kuvhiringidza pamakumbo emwoyo wemutengesi; vamwe ndezvechokwadi uye vamwe havasi.
Vatengesi vanofanira kuedza zvakanakisisa zvavanogona kubvisa manzwiro kubva pane chisarudzo chekutengesa. Kuva nemanzwiro ndiyo danho rekutanga kune imwe nzvimbo yepamusoro-inobatsira.
Iko kunodhura mutengo wokutengesa. Vatengi vanotenda kana vakapa mutengo wakakwirira kudarika chero umwe mutengi, ipapo mutengesi achabata mupiro wavo semari isina mari inowira kubva kudenga ndokuisayina. Asi vatengesi vanofanira kufunga nezvemigumisiro yezvinogona kuitika kana imba yacho isingagoni kuverenga mari iyoyo. Kana imba yacho isingagoni kuongororwa pamutengo wekutenga, zvinoreva kuti chikwereti hachibvumirwi kubhadhara chikwereti chakakwirira-ku-kukosha. Zvechokwadi, kana kupiwa iko mari, pane kazhinji hapana kuongororwa.
Chipo chakanaka chokugamuchira ndicho chipo chinogona kuvhara kukura. Izvi zvinoreva kuti zvingave zvisingave zvipo nemutengo wepamusoro wekutengesa.
Muenzaniso we3 Unopa Pane Mutengo Wemutengo Wausingaverengeki
Ngatitii, somuenzaniso, kuti mutengesi weimba yakaisvonaka munzvimbo yakakosha zvikuru muElk Grove, California, anosarudza kunyora imba yake pamutengo we $ 550,000. Zvichida kutengeserana kwakafanana mukati memakiromita anenge 2,5 maire kunopa mari yepamusoro yekutengesa ye $ 549,000, zvichiita kuti imba yake iwane mari yakawanda kwazvo. Zvisinei, nekuda kwekugadzirisa kwepamusoro uye kudiwa kwakanyanya, mutengesi anogamuchira zvipo zvitatu.
Vari:
- Kugovera # 1 kubva kuna Jane Eyre : $ 560,000 kubva kune mutengi ane chikamu chekubhadhara pasi 3,5% uye chikwereti cheFHA . Uyu mutengi ane chiziviso pane zvinyorwa zvake mukati memakore mashanu adarika. Jane haazogadziri musiyano pakati pechikwereti uye kuongorora asi achabvumirana kubhadhara $ 1 000 kupfuura chero mutengi.
- Kugovera # 2 kubva kuArlo Guthrie : $ 557,000 ne 10% pasi uye chikwereti chairo . Arlo inopa kubhadhara chero musiyano pakati pekukoshesa kwekukoshesa uye mutengo wokutengesa, kusvika kusvika kuma $ 5,000.
- Kugovera # 3 kubva kuna Joe Dimaggio : $ 559,000 ne 3.5% pasi uye FHA chikwereti. Uyu mutengi akaendesa chimwe chipiko kune anonyanya kuongororwa pane imwe nzvimbo ane mazwi akafanana uye chete tariro kune zvakanakisisa. Izvi chaizvoizvo zvakaitika, kana iwe uchigona kuzvitenda.
Sezvo mutengesi, unogona kuedzwa kuti utore chipo kubva kuna Jane Eyre. Pashure pezvose, ndiani anoziva nezvevadzidzisi?
Kuongorora kunongova maonero emuunhu mumwe chete wekubatsira, uye kunogona kusiyana nekudzidzira kuverenga. Misika inoshanduka uye inochinja nguva dzose. Nhamba itsva yekutengesa inogona kuonekwa, kana kuti an appraiser anogona kupa zvakawanda kutarisa kune imwe appraiser. Pane zvakawanda zvekushandura pane dzimwe nguva pakati pemaitiro anoverengeka.
Kana, iwe ungada kufunga nezvechakaipa chakaitika. Chinhu chakaipisisa mamiriro ezvinhu chikazova imba inogona kuverenga pa $ 550,000. Mukudaro, Jane Eyre aizobvisa chikamu chake . Asingatauri, anopa zvakadai sekuti "Ndichabhadhara $ 1 000 kupfuura mutengi anotevera" inogona kuonekwa seisingabvumirwe zviri pamutemo sezvo pasina mutengo wekutengesa chaiwo wakapiwa. Izvo zvinonzwisisika. Pamusoro peizvi, zvinokwanisika kuti chikwereti chaJane chingave chisingawanikidzi kuti atenge chero musha nekuda kwekufananidzira kwake, sezvo ichi chiri chisarudzo chekunyora pasi. Red flag.
Chipo chekutenga kubva kuna Joe Dimaggio chinoratidzika chisina maturo apo Joe ari kugadzirira kutenga imba inotevera uye haisi kuita seyakagadzirirwa pane izvi zvakatengwa. Zvisingatauri, mutengo waJoe wekutengesa uri muduku kudarika vamwe, uye chikwereti chake chakafanana naJane. Joe ave atozviratidza kuti haasi kutevera protocol uye inonzi yakashata, kana isiri kupesana nemutemo, kunyora kupa kune imwe imba imwechete apo mutengi asingakwanisi kutenga dzimba mbiri. Kunze kwei, mutengesi wemutengi wepi anotumira zvipo zviviri zvakasiyana pamisha miviri yakasiyana kune imwechete mumiririri? Dambudziko rakanyorwa zvachose.
Chimwe chete chinopiwa mumamiriro ezvinhu aya chinonzwisisika kuti mutengesi asarudze ndicho chipo chinobva kuna Arlo. Yakachena, mutengi anoda kuisa mari yake apo peni yake inoratidza. Kana imba inongoratidzika pa $ 550,000, mutengesi achawana mamwe $ 5,000 kubva kune mutengi.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California