How To Buy Bank Owned Foreclosures
Mabhangi pachake zvivako nokuti mabhanga akawana dzimba kuburikidza nekufananidzira . Imba pamabhuku ebhangi inonzi REOs, iyo inoreva "real estate owned." Ziva kuti apo mabhenji anowana zvivako zvekumba kumisha kuburikidza nekufambisa, kazhinji nokuti hapana munhu akaratidza pamatanho ematare ekutengesa mari shoma yemari yakatarwa (s) kana bhizinesi chinangwa chakanaka chikwata chakanaka zvokuti hakuna munhu angachibata.
Pamusoro penyika, zvinogona kunge zvisingaiti sezvinoitika kare zvinobatsira, kunyanya kana bhanhire iri kuda kutengesa zvarinotengeswa pamusika wakatarwa wemari yaimbokweretwa kubhangi nerekare mortgagor. Zvisinei, pano pane zvikonzero zviviri zvinokonzerwa nei REO inogona kukubatsira iwe:
- Kana zvikwereti zviviri zvakachengeterwa pfuma (iyo inowanzova mazuva ano), wechipiri anokwereta dzimwe nguva haafaniri kutora nguva. Kana chikwereti chechipiri chisingaiti chikwereti kumashure kune uyo anotenga chikwereti uye inotangira matanho ake okutanga, wechikwereti wechipiri anotsvairwa kunze kwekuvhara. Zvizhinji zvechipiri mabheji anosanganisira 20% kana kupfuura zvepakutanga kukosha kwemusika .
- Bhengi kazhinji haifaniri kugara pane zvayo. Sezvo iyo isina kugamuchira zvayo zvishoma kubva kune mutengesi kana mutengesi wemusha panguva yekutengeserana kwekutengeswa kumatare, bhangi ringangodaro rakave nemutengo iro REO pamba pari zvishoma, kungozvibvisa. Inotenderera kuverenga kwayo mukati.
Kutsvaga REO Kunyoresa Agent
Kune nzvimbo dzakawanda dzinowanika paIndaneti kuwana zvinotangira . Zvisinei, iwe unogona kuwanikawo muMLS . Kana iwe ukakumbira mumiririri wako mutengi kuti atsvake MLS ye "REOs," zvimwe uchawana kuti chiduku chiduku zvikuru chevashambadziri vezvivakwa vanogona kunyora maReOs kutengeswa munharaunda yako.
Heano mazano pamusoro peEOO mazita ekunyora:
- Wakawanda REO mazita ehurumende anongorongedza REOs chete, kwete imwe rudzi rweimba.
- REO mazita avo vanowanzopa zvikwereti kumabhangi mukudzoka kwebhizimisi rayo, nokuti avo vanoshanda vanoita muhuru uye dzimwe nguva mutariri weasset anocheka.
- REO mazita avo vanoshandisa mari kuburikidza nokutengesa zvakawanda zve REOs kana kushanda sevanoshanda vaviri . Pasi pemahofisi maviri , reOrwo nyanzvi yekunyora achawana zvose zviri kuiswa mutemo uye mutengi wemushandi.
- Kuti atore vatengi vevatengi, mabanki akawanda anopa huwandu hwehuwandu hwemitemo kumushandi wemutengesi paanenge achideredza kuongororwa kwemajeri.
- REO mazita avo vanoshandisa zvinowanzomiririra mutengesi, kwete mutengi. Funga kana iwe uchida mumiriri wako, unogona.
- REO mazita ekunyora maitiro anowanzogadzirwa nepamusoro-soro pamusana pehuwandu hwebhizimisi ravanoita. Vanowanzopedza nguva yakawanda vachishanda nevatengi.
- Vamwe vashandi veRO vakanyora vakabatikana zvikuru zvokuti vanobhadhara vatsigiri kumatare ekumunda. Vakawanda havatauri nhamba yavo yefoni yega, iyo inogona kuita kuti kukurukurirana kuoma.
Hiring a Agent's Agent
Kunze kwekuti iwe uine ruzivo rwakananga kutaurirana nemabhangi, unogona kugamuchira mumiririri wepamusoro kuburikidza nekubhadhara mutengi wemutengesi wako .
Usati wasarudza sarudzo, sarudza mamiriyoni uye kubvunzurudza vashandi vekumba kuti vawane zvakanaka zvakakodzera.
- Mutengi wemutengesi ane fiduciary mutoro wokudzivirira zvaunofarira.
- Mutengi wemutengesi haamiriri mutengesi. Kunyange kana mutengesi ari kubhadhara basa ravo.
- Vatengi vemutengesi vanowanzobhadhara nemutengesi. Izvi zvinoreva kuti hazvikwanisi iwe kuti ubhadhare mutengi wemutengesi.
- Vatengi vekumutengesi vanogona kukukumbira kuti usayine chibvumirano chemutengesi yomutengesi , icho chichaisa basa remugadziri kwauri uye chinotsanangura uyo anoripa komisheni .
- Funga kushanda nemushandi wemutengesi uyo ane ruzivo rwekushanda ne REOs.
Kutaurirana ne REOs
Kana iyo yakarongeka isiri itsva kumusika, zvinogoneka zvikuru kuti bhanhire haringatongoparidzi zvakawanda kubva pamutengo wayo wokukumbira . Iwe uchange uine simba guru rekutaurirana kana ukaita zvipo pamisha yakave iri pamusika kwemazuva makumi matatu.
Heano mamwe mazano:
- Bhengi dzinotaurirana nehuwandu hwezvikwereti nekambani uye makambani ekukurira. Kana ukasarudza kushandisa bhizinesi rekambani / kambani yekutsvaga , chengetedza mari iyo makambani achakubhadhara. Kazhinji, mari isingabhadharwi nebhangi asi inobhadharwa nemutengi ichave yakakwirira nokuti musoro uye kutengesa kazhinji zvinogadzira izvo zvinodhura kuburikidza nekubhadhara vatengi zvimwe.
- Mabanki mazhinji ari kufamba achibva kurega kubhadhara mari yekuvhara mari yekutenga. Zvimwe zvikwereti zvakadai sekubhadhara mitero , nharaunda uye mari yehurumende, inotakurwa nemutengi uye kwete ibhangi. Mabhanji haawanzobhadhara nekuda kwezvinyorwa zvinonyadzisa , kugadziriswa kana zvirongwa zvekurarama kumba .
- Dzimwe mabhengi haazomboregi kugoverwa kwekambani kusvikira mabvumirano ose ari kubvumirana pakati pemapoka nemashoko.
- Tarisira kubhangi kuvhara chibvumirano chako chekutenga kana kuti addendum kune yako yepamutemo yekutenga kontrakiti. Yiverenga zvakakwana uye bvunza gweta redzimba rekugadzirira mazano kana iwe usinganzwisisi. Iwe unogona kutengesa gweta rebhanki rakagadzira chibvumirano, uye hachisi iwe.
- Kana bhengi risingaiti budge uye iwe unogamuchira kupiwa kurambidzwa , kumirira imwe mazuva makumi matatu uye wozotumirazve chipo chako chepakutanga, uye zuva rekutanga rakapera uye zuva rako idzva rakaiswa.
- Iwe unogona kumirira kwemazuva gumi kuti apindure pane zvaunopa kubva kubhangi. Iva nemwoyo murefu. Ndinoziva zvinonzwika kuti mapenzi kuti mamwe mabhanga anogona kutora nguva yakareba kuti apindure, asi anogona.
- Bhengi inogona kukumbira kuti iwe upe mvumo yekukweretesa kuitira kuti inogona kukufananidza iwe; zvisinei, iwe hauna mvumo yekuwana chikwereti chako kubva kubhangi iroro.
- Kana iwe usingakwanisi kuvhara zuva rawakagara ragadzirirwa, bhangi ringakutengesa chikwereti chezuva rimwe nerimwe iwe unopfuura musi iwoyo. Iva nechokwadi chekuti iwe une chikwereti chekubhadhara chikwereti kubva kune chikwereti chako pachako usati waisa chipo, uye uwane chivimbo chokuti uchagamuchira mari kubva kune chikwereti chako usingashandisi mune kunonoka kusingatarisirwi.
- Iwe ungangodaro unobvunzwa kutenga imba "sezvazviri." Pane zvipingamupinyi zvekutenga zvishoma . Ita kuti chipa chako chive pasi pekuongorora imba . Vamwe vatengesi muzvinhu zvisina kukwana zvigadzirwa kubva kumapuranga ekudzivirira .
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.