Kutengesa Seller Kutakura mari yekudzorera

Nzira Yokutengesa Seller Kutakura Mari-kumashure

Dzimwe nguva vanotengesa vanobvuma kuita chikwereti kubatsira mutengi wemba kutenga imba . Vatengesi vanobvuma kubhadhara mari yose kana chikamu chemutengo wekutenga vanogamuchira magwaro kuti uchapupu nemitemo yemitengo. Mutengesi anotakura zvombo zvinowanzokanganiswa mune zvinyorwa zvevanhu. Mutengesi anotakura zvinogona kunge ari mukana wekutenga chikwereti , kutendwa kwebasa , chibvumirano chenyika kana kunyange kutenga mari . Vakawanda vanotakura-mushure vanochengetedzwa nebhuku rinonyora .

Zvikonzero Sellers Carry-Back Mortgages

Kana zvikwereti zvikwereti zvakakwirira kana zvikwereti zvinowanikwa zvakasimbiswa, vatengi vanobvunza vatengesi kuti vashande munzvimbo yebhangi uye kutakura mari yavo. Kana imba yacho iine rusununguko uye yakajeka pasina chero zvikwereti zviripo, mutengesi anogona kutakura mari yose kana mutengi angatora chikwereti chakatarwa chechikwereti kune chikamu chemutengo wekutenga uye kumbira mutengesi kuti apiwe mari.

Kana pane chikwereti chiripo chakachengetedzwa kumba, vatengesi vangaita kuti vatengi vatore mari iyo iripo, kunyange chikwereti chichagara muzita rezvitengesi. Kusiyana pakati pemutengo wekutengesa, kubvisa chikwereti chakasara uye chikwereti chaivepo chiri kukwana mutengesi aizotakura semutengo.

Vatengesi vanobvumirana kutakura chikamu kana mari yese yezvikonzero zvezvikonzero zvakasiyana-siyana, zvimwe zvacho ndezvi:

• Ndiyo misika yepasi kana yepasi . Muridzi-akatorwa mari inotora chikwata chikuru chevatengi.

• Vatengi havakwanise kuwana chikwereti chepakati.
• Mutengesi ari kutarisana nemari inowanikwa mukutengesa kwedzimba uye anogona kutarisa chikamu ichocho chiri mari.
• Mari yekubhadhara inopa mutengesi chiyero chakanaka chekudzoka kupfuura iyo mari yemakethe yemari.
• Vatengesi dzimwe nguva vanoda mari yepamwedzi.
• Imba yacho haina kufanana uye hapana anokweretesa achakwereta pairi.

• Kazhinji vatengesi vanogona kuwana mutengo wepamusoro wekutengesa mukutsinhanisa kupa mutengi mari.

Zvokutengesa Zvokutengesa Carry-Back Mortgages

• Mutengi angave asina kukwana pamitero, zvichiita kuti mutengesi atange matanho ekudzivirira .
• Mushure mekufananidzira, kugadzirisa kumashure kune chikwereti chiriko, kana pane chikwereti chaivepo, kubhadhara kupfigirwa mari uye mahofisi emapurisa , mutengesi haafaniri kusara nehupi hwehutano.
• Vatengesi vanotakura zvikwereti zvakasungira mari vachizviisa kune imwe nzvimbo.

Kuchinja Mutengesi Kutakura-Kudzokera Muchiri

Kune dziva guru revatengesi vari voga mumusika vanogara vachitenga vatengesi vanotakura zvombo. Zvisinei, havabhadhari kukosha kwemaonero. Vashandi vanotarisa zvibereko zvavanowana pamusoro peshoko rekutsvaga, uye chibereko ichi chinogona kuwedzerwa kana mubhadhari aripa mari shoma kudarika chikwereti chakanaka.

Izvo zvinokanganisa zvinopesana neboka rose, asi vatengesi vanogona kutarisira kurasikirwa ne10 kusvika ku30 muzana yemari isina kubhadharwa, zvichienderana nezvinotevera:

• Seasoning . Izvi zvinoreva kuti mutengesi ave aripo kwenguva yakareba sei kugamuchira zvikwereti pane kubhadhara mari yekudzokera. Mutengesi anogamuchira nguva yakakodzera pamwedzi wegumi nembiri achawana mari yakawanda kupfuura mutengesi ane chikwata chekutenga chikwereti.

• Chido chekufarira . Iyo yakakwirira yehuwandu hwechikwata, iyo yakaderera kushandiswa. Nharaunda yepasi inodarika inokwezva vashandi vanoda mari yakaderera.
• Nguva yekutengesa . Nguva yakare-kare mabhenji akadai semakore makumi matatu ekubhadhara mari haasati anokwezva kumudzimai semari yenguva pfupi yekubhadhara; saka, zvikwereti zvekugara kwenguva refu zvinowanzozotengeswa pazvidzidzo zvakakwirira kudarika nguva pfupi.
• Kubhadharwa kwekubhadharwa kwekubhadhara uye kukonzera mhosva Kutakura-kumashure matanho ane chikwereti chekubhadharwa kwekubhadhara uye nguva yekupedzisira yakanyanya kukwezva kune vatengesi, iyo inokanganisa kuderedzwa kwero inoshandiswa.
• Mari-ku-Kukosha Ratio . Chechi chikwereti-ku-kukoshesa ratios kugamuchira zvidzidzo zvakanaka. Kuwirirana kwepamusoro kunofungidzirwa sengozi huru uye zviduku zvinowedzera.

Vatengesi vanofungawo nezvekuchengetedzwa, kukosha kwayo, nzvimbo, zvipo, mamiriro uye chikwereti-chakanaka, kana chakazivikanwa, chevatengi.

Kutengesa Mutengo Kwekuchengetwa Kwemari Kutora

Mutevedzeri anogona kukumbira mutengesi wekutakura-kutora chikwereti kuti atore zvose zvinotengeswa nekutengeswa kwekodhi uye kutora mari. Iwe unogona kubvunzwa kubhadhara mari yakadai sokuti:

• Musoro weGwaro
• Escrow Fee
• Nyaya Yokugadzirira
• Kuongorora
• Beneficary Statement
• Courier / Wire Transfers
• Kurejera
• Komisheni, kana pane

Kutsvaga Vatengesi Kuti Vatenga Kutakura Kwekuchengetedza Mari

Iko kune vashandi vemunharaunda voga uye vatengesi vepanhau. Zvimwe zvinomiririrwa nevatengesi vemari , vamwe havasi:

• Bhalisa kune mabhuku ekutsvaga mari.
• Tsvaga Indaneti.
• Tarisa mumapepanhau ako epanzvimbo anotsanangurwa zviziviso.
• Danai vatengesi venzvimbo dzakashambadzirwa vanobata mune zvekutsvaga mari.
• Rega meno yako iite kufamba muMapapu Yellow.
• Bvunza shamwari neshamwari dzemhuri.

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