Kumirira Kuvhara Pamba
Icho chinoreva kuti chikwereti chinotamba basa rinokosha iro risingagoni kukanganwa.
Mutengi uye mutengesi anogona kubvumirana kune zuva rekutanga rokuvhara muchechi yekutenga , asi kana muridzi wekwereti asingakwanisi kuita panguva iyoyo yewindo, hazvina basa kuti zuva rakasarudzwa, nokuti haisi kuzovhara musi mutengi uye mutengesi tsanangudzo. Ichavhara apo uyo chikwereti ari kugadzirira kuvhara. Uyezve, kwete yose yekukwereta pfuma inobatsira.
Nzira yekuvhara Escrow Process
Zvichienderana nezvamunogara, nhamba ipi zvayo yezvikamu inogona kubata chirongwa chekuvhara. Ngationei mazita mashoma. Mugadziri wekuvhara angave ari mukuru wepamberi , imwe pedyo, kambani yepamusoro kana gweta reimba .
Kuvhara zvirongwa zvinogona kusiyana zvakasiyana kunyange mukati memamiriro akafanana. MuCalifornia, somuenzaniso, kuenderera mberi kwakasiyana kwakasiyana nechokumaodzanyemba kweKalifornia nechekumaodzanyemba kweCalifornia. Mhedzisiro huru pakati pezviviri ndiyo mirayiridzo yekusimudza inoswededzwa uye yakasayirwa pamagumo ekupedzisira (nguva pfupi mushure mekugamuchira kugamuchirwa) kumaodzanyemba kweCal uye kumucheto kumashure (kungovhara kusati kwasvika) kuchamhembe kweCal.
Pamberi pekumhanya kupi zvako kunogona kuvhara, zvisinei, zvese zvesungano yekutenga inofanira kusangana; ipapo mutengesi anopa chikamu chacho uye mutengi anoisa mari yacho. Pano pane mienzaniso yemamiriro ezvinhu anowanikwa muCalifornia. Iko hurongwa hwekuvhara hurumende hunosiyana.
- Sangano rakakwana rekutengesa kutenga uye addendums.
- Dhipatimendi yemari yakawanda mari .
- Imba yekuongorora kana kuregera.
- Kuzadzika kwevatengesi vemitengo yakadai sekutumirwa kwehutachiona hwekuongorora chirwere uye / kana kupedza, denga rekudzivirira , reimba yekuratidzi , mutemo wekutanga wepamutemo , mubhadharo wekuda kuwanikwa, kugadziriswa, kana pane, maererano nechikumbiro chekugadzirisa .
- Kuzadzikiswa kwevatengi kuongororwa, kusanganisira kusunungurwa kwezvakaitika, kana zvichida.
- Mutengi wokupedzisira anofamba-kuburikidza nekuongorora kana kurega.
- Kuongororwa kwepfuma kuburikidza nemutengi wechikwata.
- Kugamuchira chikwereti cheLender uye kugutsikana nemari yezvikwereti nemutengesi akadai sokuisa uchapupu hweimba yehupfumi yemutemo .
- Mutengesi uye Mutengi akaiswa mirayiridzo yekuchera.
- Mutengesi wechitengesi uye chisingazivikanwi kutumira musoro.
- Mutengo wakasayirwa uye unozivikanwa wekutengesa uye wakaitwa tsamba yekuvimbisa .
- Mutinhi wemashoko ekutsvaga pamabhuku ose emari.
- Dhipatimendi rekumutengesa mari kubva kune chikwereti.
- Dhipatimendi yemari yekubhadharisa mutengi uye mari yekuvhara .
Imba Yekuvhara Inotora Nguva Yakadini?
Vatengi avo vakagamuchira chikwereti chekubhadhara chikwereti kudarika chikwereti chekugadzirisa zvikwereti kazhinji vari munzvimbo yekuvhara nokukurumidza. Nzira yekufananidza inosanganisira kuongorora zvimwe zvinhu zviri mberi, tisati tasaina chibvumirano chekutenga, kutamisa chikwereti zvishoma zvishoma pedyo nekuvhara.
Kana munhu ane chikwereti akatsigira basa romunhu anenge akwereta, mabhangi ebhengi uye ripoti rechikwereti , kupfigirwa kunogona kuitika nokukurumidza sevanyori vanogona kugadzira mapepa uye kuongorora kuongorora, kazhinji mukati mevhiki kana maviri. Zvisinei, kana chibvumirano chisipo kubva pane faira yakadai sedare rekutanga remusoro kana mutengesi wekutengesa, kugadzirisa kunogona kunonoka.
Zvizhinji zvehupfumi zvakabhadhara zvikwereti zvinogona kuvhara mukati memazuva makumi matatu. Mapurogiramu anonyanya kukosha ekutenga kumusha , kunyanya avo anobatanidza rubatsiro nemutengo wekubhadhara mutengi , zvinogona kutora mazuva makumi matatu nemaawa makumi maviri nemakumi mashanu ekuvhara. Izvo zvikwereti zvakakosha zvinowanzodikanwa kubvumirwa kubva kune zvinyorwa zviviri.
Kune rumwe rutivi, kutevedzera nemitemo ye TRID dzimwe nguva kunonoka kuderedza chiitiko nokuti masangano ari kushanda pamwe chete haana hukama huripo.
Musha Kuvhara Delai
Matambudziko makuru anowanzoitika mushure mekunge faira yacho iendeswa kune munyori wechirungu. Mahofisi ehurumende anowanzoziva mitemo yekunyora pasi; zvisinei, havakwanise kutaurira mhinduro yekunyora pasi. Chinyorwa chimwe nechimwe chakasiyana.
Zvishoma zvishoma kune vanotengi kupfuura kugara pamusoro pebhokisi rine zvinhu zvose zvinokosha zvavari, vachimiririra vafambisi uye vasingazivi kana chikwereti chavo chichatsigirwa nemunyori wechirungu. Mazuva mashomanana okupedzisira ekuvhara anogona kunge asina chokwadi.
Zvikwereti zvekambani zvinoratidzika kuti zvinokonzera kukanganisa kudarika chikwereti chevatengesi. Handina chokwadi kana izvi zvikaitika nokuti mabhanki makuru anotevera maitiro avo kana kuti vashandi vavo vanyorera maawa uye havafariri chaizvo nezvefaira sekutumirwa kushandiswa kwezvikamu, asi kunyanya kunonoka kwandinoenda kunobva kumahombekombe makuru.
Heano zvinetso zvinowanzoitika zvinogona kunonoka kana kudzivirira kudzima, mazhinji ayo, anondinetsa kuti nditaure, anofanira kunge akambotaurwa asati asvika kune munyori wechirungu, asi dzimwe nguva bhora rinodonhedzwa:
- Kuongorora kwakadzika kana munyori wechiri pasi anorayira kuongorora kuongorora kusingaenzani nekuongorora kwekutanga.
- Zvimwe chikwereti chinowanikwa kune mutengi's updated credit report .
- Zvikanganiso zvakataurwa mubhuku rekwereti yemutengo.
- Zvitsva zvitsva kana kutongwa kwakaiswa kune mutengi kana mutengesi pane zvinyorwa zvinyorwa.
- Makore ane musoro.
- Mamiriro emhuri inoshandiswa kune mutengi kana mutengesi.
- Inodiwa yakarongerwa mabhizinesi mabhuku kana zvinyorwa zvemari.
- Inishuwarenzi mashoko asina kukwana.
- Kuzvipira kwekwereti kana kurongwa kwepurogiramu.
- Kuchinja kwakanyanya kune mari yaunotora chikwereti.
Kana chibvumirano chekutenga chisina chinyorwa chinoita kuti kugadzikana kune chikwereti chibvumirwe, chikwereti chemari chaicho chemutengesi chinogona kunge chiri pangozi kana chikwereti chisina kubvumirwa uye mutengesi hauvhari.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.