Mabhanki Anoda Kuti Mutengesi Apiwe Nekutengesa Pfupi

Dzimwe mabhizimisi mashomanana anotengesa anoita kuti vatengesi vabhadhe

MuCalifornia, zvinopesana nemutemo wevatengesi venguva duku kutengesa kuita mutengesi mupiro kutengeswa kwenguva pfupi, asi kwete mune mune dzimwe. Mutemo uyu usati wapfuura, Shari akawana nzira yakaoma kuti mabhenji ake aizodzika sei. Zvose iye nemurume wake vakanga varasa mabasa. Vakamanikidzwa kufamba makiromita zana kubva ipapo kuitira kuti murume wavo atore basa idzva pamubhadharo wakaderera paanogara mune imwe nzvimbo yakaoma, imwe-yeimba yekugara.

Achikanda mwana achangoberekwa mumaoko ake, Shari akanga ari mumisodzi paakanzwa kuda kwebheni rake pakutanga asati abvumidza kutengeswa pfupi .

Bhizinesi rakati Shari ainakidzwa nekodzero yekwereti, neFICO mumakore ekuma800 , uye akaona kuti Shari aive asina kuwana mari yekwereti yemutengo. VISA yake yakanga ine mari inowanikwa mari inosvika $ 10 000. Bhizinesi rakabvunza Shari kuti atore kadhi rechikwereti uye ape $ 10 000 kubhangi. Kana Shari aisakwanisi kubhadhara VISA, bhangi haina hanya. Haana kumupa VISA.

Mune mamwe mazwi, shoko rebhangi raiva maviri: Shari inofanira kukanganisa chikwereti chake uye kunyengedza chikwereti. Nyaya yechokwadi. Ini ndaimiririra mutengesi uyu.

Nei Mabhangi Anoda Mutengesi Kupa

Mabhenji atoidya iyo muhombodo pakutengeswa pfupi . Bhengi inogona kunge yakaita chikwereti, ichiti, $ 500 000 uye, mune dzimwe nzvimbo dze Sacramento muna 2008, somuenzaniso, tsika dzakadarika nepamusoro pe50%. Kana bhizinesi rakatora imba iyo kuburikidza nekufananidzira , inogona kurasikirwa pamadhora madhora mazana maviri nemakumi maviri emadhora ekutsvaga kwayo.

Ditto pakutengeswa pfupi.

Mutengesi ane chikonzero chekutengesa kwenguva pfupi nekuti kune zvipo zvekutengesa kutsvaga nekutangira . Nokudaro, mutengesi ibasa rebhangi rinogona kuedza kufambisa. Nokuti inogona.

Heano zvimwe zvikonzero mabanki angangokumbira mupiro mutengesi:

• Mutengesi ane mari inoshandiswa. Mazhinji mabhangi anoongorora mutengesi wemari wevatengesi kuti aone kuti mari yakawanda iri kuuya mumba uye kuti mari yakawanda sei. Mabhangi anobvumira zvimwe zvikwereti zvemari. Kana mutengesi ane mari yakasara pamagumo emwedzi, bhangi ringakwanisa kukumbira.

• Mutengesi akanatsiridza uye akabudisa mari kubva mumba. Icho chinhu chimwe chete kana mutengesi akaronga kubhadhara chikwereti chakanaka kana kuti akapedza chirongwa chekuvandudza imba. Izvo zvachose chimwe chinhu kana mutengesi akatenga chikepe chikuru-honkin. Kana kutengesa kwevatengesi kwechinguva chiduku, bhangi ringangokumbira mutengesi kupa. Bhengi icharaira BPO . Havazobatsiri kutora pfuma yacho. Vanoda kuderedza kurasikirwa zvakanyanya sezvinobvira. Kana mutengo wekutengesa usina kukwirira zvakakwana kupa bhengi ruzivo rwayo runoda, bhagheni inogona kukumbira mutengesi kutsika mutsauko.
• Mitemo yePSA inoda mutengi mutengesi. Vashandi vanoda kudzoka pamari yavo, uye mitemo yePSA inowanzogadzirirwa kuti ipe purofiti. Iyo mirayiridzo inogona kureva kuti vanhu vose vanofa mumvura iyi vanofanira kuita mutevedzeri wevatengesi kuti vashandise kutengeswa pfupi.
• Mutengesi haana matambudziko emari. Mabhengi mazhinji anobvumirana kuita zvishomanana kana mutengesi anotambura nemhando dzakasiyana siyana dzekutambudzika izvo zvisingaiti zvemari. Zvisinei, kana mutengesi anonakidzwa nekukwira kwemari, bhangi ringada chikamu chayo.
• Mitemo yenyika inogona kubvumira kusakwanira kutongwa . Kana bhengi ine kodzero yekuita pachedu mutengesi pamusiyano pakati pemari yekubhadhara uye kuderedzwa kwenguva pfupi, bhangi ringada kutaurirana nevatengesi vasati vatengeswa zvishomanana kutengeswa. Iyo kukurukurirana kunogona kusanganisira mupiro wevatengesi.

Rudzi rweSeller Contribution a Short Sale Bank Unogona Kugamuchira

Munzvimbo dzakanakisisa dzenyika yose, bhanhire rinoda mutengesi kuti adzorere chikwereti chose, asi mabhengi anoziva kuti vatengesi vanonyatsogadzirira havazobvumirwi kuita zvishomanana pasi pemamiriro ezvinhu aya. Nokuti mutengesi anogona kunge ane zvimwe zvingadai zvakadai sekugadzirisa chikwereti , kufambisa kana kubhadhara. Saka mabanki anowanzobvunza chimwe chezvinhu zviviri kana zviviri:

• Cash . Kunyange zvazvo bhangi ine kodzero yekukumbira mutsauko wese, mabanki akawanda anoziva kuti vatengesi havana mari yakadaro kana vangave vasina kuita zvishomanana kutengesa. Hazvishamisi kuona zvikumbiro zvinosiyana kubva pa2 kusvika ku10 muzana zvekushaikwa.
• Unsecured Promissory Note . Hurukuro dzeCash asi manotsi ezvinyorwa ndewewo mhinduro. Kazhinji, zvikumbiro zvekunyora pasi zvakakwirira kudarika zvikumbiro zvemari. Asi mabhenji anowanzobvumirana kune zvisingabatsiri kutora mitsara uye 3 kusvika kune gumi nemashanu kubhadharwa kwevakuru.

Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.