Maitiro Edzimba Inoshandiswa Pakutenga Imba

Chikonzero nei Vatengi Vekumba Vakaita seMiganhu Yenyika

Nzvimbo zvibvumirano zvekutenga dzimba dzaive dzakakurumbira zvikuru mumakore ekuma1970 nekutanga kwema1980. Kare kumashure, zvibvumirano zvekutengesa zvipo, dzimwe nguva zvinonzi zvibvumirano zvebasa, zvakapa mari yakawanda yekukwereta pamusoro pematunhu akakwirira uye mitemo yakasimba yezvidzidzo zvevakweretesi vezvikwereti.

Mvumo yenyika yakatanga kuderera apo zvikwereti zvinoderedzwa uye mari yakaderera pasi pe8%. Asi havana kumbobviswa zvachose uye, chaizvoizvo, vakadzokera zvakare mumusika panguva yekutengesa mari.

Vaparidzi vepamba vangave varasikirwa nemisha yavo kuti vatarise kana kutengesa kuburikidza nekutengesa kutsva kwakatanga kusendamira kune zvibvumirano zvenyika sekubhadhara dzimwe mari apo mabhanga makuru akavadzinga.

Chii Chigadziriswa Kutengesa Kwenyika Nyika?

Chimwe chikwangwani chekutengeserana chibvumirano chepi zvayo yemvumo inoda kuti pave nenguva yekubhadhara, asi muimba yeimba, inowanzonzi chibvumirano chevhu, chibvumirano chebvumirano, kana chibvumirano chekutengesa. Izwi rokuti "nyika" riri kutsausa sezvo kontrakiti yenyika inogona kushandiswa kutenga ipi neipi yeimba yekutengesa kana kusina kuchinjwa.

Chikwangwani chekutsvaga kwekutengesa chinotsanangura mutengo wekutengesa, mari yekubhadhara, chikwereti chekuda, chiyero chepamwedzi (kana periodic) chebhadharo, uye mabasa emumwe wemapato. Inobata mabasa akadaro sekuti ndiani achachengetedza imba, kubhadhara inshuwarisi, uye mitero yemitengo - iyo inowanzo mutengi. Chibvumirano chinosanganisira kubhadhara mutengesi muitiko apo mutengi anorega kugadzira chikwereti chekubhadhara.

Kunyatsotsanangura:

• Nzvimbo zvibvumirano kana zvibvumirano zvebasa chibvumirano chekuchengeteka pakati pevatengesi, anonzi Mutengesi, uye mutengi, anonzi Vendee.
• Mutengesi anobvumirana kutengesa imba nekubhadhara mari yekutenga vendee.
• Mutengesi anochengetedza mutemo wepamutemo uye Vendee inogamuchira zita rekuenzanisa.
• Muridzi wemari anotakura zvinogona kusanganisira iripo mortgage balance (ona zviri pasi apa) kana imba inogona kusununguka uye yakajeka (yakanakisisa sarudzo).

• Pamusoro pokubhadhara zvakakwana, Mutengesi anopa Vendee chikamu cheimba yacho.

Zvose-zvinosanganiswa (Kuvhara-zvakapoteredza) Zvibvumirano zveNyika

• Kuvhara-kupoteredza zvibvumirano zvine chekugara.
• IVendee inobhadhara imwechete kune Vendor.
• Paakagamuchira kubhadhara, Mutengesi anopa chikwereti chekubhadhara chikwereti uye anochengeta zororo.
• Kana iyo inenge iripo inotora chikwereti ichidarika chikwata chinodarika chinodarika chikwereti pane chibvumirano, Mutengesi anowana chikwereti chikuru pamari isiri yeVhandi. Izvi zvinozivikanwa sekupfuura.

Kutevera ndeyekuti inoshanda sei.

1. Iti mutengo wekutengesa uri $ 100,000.
2. Vendee inodha $ 10 000.
3. Vendee inobvumirana kubhadhara mari ye $ 90,000, inotora chikwereti pa6,5%, inokwana $ 567.
4. Imwe chikwereti chiripo chiri $ 50,000, inobhadharwa ne5% inowanikwa nebhadharo ye $ 268.
5. Mutengi anowana chikamu chezvikamu makumi maviri nezviviri zvemazana emadhora makumi mashanu nemakumi mashanu emadhora makumi mashanu nemakumi mashanu emadhora emwedzi.
6. Vendee inobhadharawo mitero, inshuwarisi uye zvimwe zvose zvinodhaka zvehuwandu.

Kurongeka kwakasimba

Hapana huwandu hwekufarira mune bvumirano rakananga. Vendee inogona kubvumirana kubhadhara chikwereti chiripo zvakananga nekuita imwe chikwereti kune Vendor, kana Vendee inogona kutumira imwe mubhadharo kune Vendor, uye Vendor achabhadhara chikwereti kune chikwereti chiri pasi.

Ngatitarisei pamuenzaniso wekare pane chibvumirano chakajeka:

1. Mutengo wekutengesa we $ 100,000.
2. Vendee anoisa $ 10,000.
3. Vendee anokwereta imwechete ye $ 268 pamutengo wakabhadhara we $ 50,000, uine chido pa5%.
4. Vendee anopa chikwereti chechipiri kune Vhandi pa $ 40,000 mumiriri wemari, akatakura chikwereti pa6,5% uye anotengwa pa $ 253 pamwedzi.
5. Zvose zviviri zviripo ndeye $ 521, iyo inochengetedza Vendee $ 46 pamwedzi pamusoro pekuputira-kwakapoteredza.

Simba rekutengesa

• Mamwe makambani ekuremekedza anoronga uye anochengetedza zvibvumirano zvenyika zvine Vendor, a Vendee uye Trustee. Iwe uchada kudana kunotenderedza kuti uwane kambani yakakosha iyo.
• Kungofanana nechivimbo muchitendwa chekutendeseka , Vendor naVendee vanopa kodzero, zita uye chido kumutambisi kuitira chinangwa chekuwana zvakasungirwa Vendor's naVendee.
• Muchiitiko icho Vendee anorega kubhadhara, Mutongi ane simba rekumbotangira pasi pesimba rekutengesa.

• Nzira yekudhinda chiziviso chekusiyana ichisiyana kubva kuhurumende kuenda kune imwe nyika.

Kurambidza Magwaro Muzvikwereti Zvakatenderera

Zvose zvikwereti nhasi zvinokurudzira uye kuparadzanisa zvikamu . Vatengesi vave nenguva yakareba yekudhura zvikwereti pakarepo nekuda uye kuribhadhara kana vatengi vakatora zita rokuti "pasi pe" kune zvikwereti zviripo . Izvi ndizvo zvinoreva kuti vatengi vaida kuti vatengi vawane zvikwereti, kubhadhara chikwereti chemari nezvikwereti zvepamusoro .

Sue Heimbichner, an escrow officer paChicago Title mu Sacramento, ave ari mubhizinesi kubva muna 1976 uye akacherechedza kuburitswa kwemakontrakiti epasi anouya uye anoenda. Chimwe chemhosva huru kubva panguva iyoyo chakabva kune vatengi vanotora musoro zvichienderana nehomwe mari yakachengetwa inoshandiswa nehurumende yekuchengetedza uye yezvikwereti. Congress yakapfuura Mutemo weDefository Institutions Act ya1982, ichibvisa zvachose kukwanisa kutora zvikwereti zviripo.

Heimbichner anoti vateresi nhasi vanofarira kutarisa neimwe nzira. "Vamwe vanokwereta vanofara kuva nemari yavo," akadaro. Asi usaedza kutora zvikwereti zvinotsigirwa nehurumende. "Iwe hausi kuda kutyisa nehurumende," Heimbichner anonyevera, "nokuti iwe uchatorwa." Kana nyika yako chibvumirano chine chikwereti chiripo, iwe unofanirwa kutsvaka mazano eye gweta redzimba.

Zviyero zvezvikwereti zvinotsigirwa nehurumende ndeye Fannie Mae kana Freddie Mac, uye hurumende yehurumende ndeye FHA kana VA.

Vendee Bundle reLungelo

Nokuda kwezvinangwa zvose, Vendee ane pfuma uye ane kodzero yeku:

• Possession.
• Kunakidzwa nekufara uye kushandiswa kweimba yacho.
• Kusabvisa, kumanikidzira vamwe kubva muimba.
• Resale.

Benefits kuVendee

• Hapana aikodzera, kunyange Mutengi aigona kukumbira kopi yemutengo wechikwereti wechikwereti .
• Pasi kubhadhara kushanduka. Mari yacho inotaurirana.
• Kureba kwebvumirano yenyika, nguva yekutora , uye kubhadhara kunotaurirana.
• Mari yekuvhara pasi . Hapana kune chikwereti chemari yekubhadhara.
• Kuvhara nekukurumidza. Kutengeswa kunogona kuvhura mumazuva manomwe kana pasi.

Kubatsira kune Mutengesi

• Yakawanda yepamusoro yekutengesa mutengo uye hapana kuongororwa. Kunyange zvazvo vatengi vanorayirwa kuti vawane kuongororwa.
• Kana akabhadhara, zvichida anogona kukwanisa kuwana pfuma yakaderedzwa.
• Mwedzi unowana mari.
• Kakawanda chiyero chiri nani chekudzoka kupfuura mari yemakakiti emari .
• Kana nzvimbo yacho isingaenzaniswi, inzira inotengesa kutengesa.
• Kuvhara nekukurumidza.

Buyer Tips

• Tsvaga kuongorora.
• Tsvaka inshuwarisi yemazita.
• Itai mabasa ekambani inobata kuti ichengetedze kuva nechokuita chekuita uye zvinyorwa zvepakutanga.
• Taura neye gweta renzvimbo .

Mutengesi Mazano

• Dhonza mutero wechikwereti wemutengo.
• Itai mazita maviri eVendor uye Vendee pane iripo yveshuwarisi.
• Hire kambani yebhadharo yekubata kambani yekuunganidza.
• Taura neye gweta renzvimbo.

Ichi chinyorwa hachifaniri kusanzwisiswa sekupa mazano emutemo. Mareji chete anokwanisa kupa mazano emutemo.

Panguva yekunyorwa, Elizabeth Weintraub, Cal BRE # 00697006, ndiye mutengesi-shamwari paLyon Real Estate muSacramento, California.