I B yeA Cooperative Short Sale Programme Inogona Kubhadhara Rubatsiro Rwakatorwa
Ndisati ndakuudza kuti ungaita sei Bhizinesi reAmerica kushandiswa kwekutengeswa pfupi, ndine chizaruriro kwauri. Apo bhizinesi reAmerica raAmerica rakanga richifamba munharaunda imwe chete, ndakatenga boka rayo. Ndizvo zvandinotenda, pasinei nokuti chii chamunonzwa, kuti Bank of America yakashandura kona neyo pfupi yekutengesa uye inoshungurudza nzvimbo. Kubatanidzwa kwekambani kutengesa kwakaderedzwa.
Ndave ndakatengesa kutengesa kwenguva pfupi kwenguva refu, saka ndakanga ndiripo pakutanga muna 2005 neBhange reAmerica kutengeswa pfupi .
Ndinoziva kurwadziwa - kutambudzwa, kurwadziwa - ruoko rwekutanga. Kubvira muna 2010, apo Bank of America yakatamira kuEquator, purogiramu yako shoma yekutsva yakatanga kushamisa zvikuru.
Pamusana pechirevo chekuita zvinopesana nekushanda, Bhizinesi reAmerica kubva panguva iyoyo rakagamuchira kubvumirwa kwaro kubva pamwedzi 12 kusvikira kumwedzi 18 kusvikira pamwedzi 2 kusvika ku3. Zvimwe zvishomanana kutengesa zvakagamuchirwa mune zvishoma semavhiki mana. Asi Cooperative Short Sale yaiva mhuka yakasiyana. Uyewo, kana chikwereti chiripo chakanga chiri neNyika yose, kutengeserana kwekambani pfupi kwakange kwava kungozviita.
Nei Bank of America Ichipa Chibvumirano Pfupi Kutengesa
Mabhangi haasi mune bhizimisi rekuita kuti upenyu huve nyore kune vashandi varo kunyanya vaduku vashoma vatengesa. Mabhangi ari mubhizinesi kutora purofiti. Chikonzero chikuru cheBhange reAmerica chakanga chaita kuti Cooperative Short Sale iwedzere mari yebhangi inobatsira.
Bhizinesi rakatarisana nematambudziko akawanda mumakore okutanga ekutengesa kwemashoma:
- Dhiyabhorosi yekutora nguva yakareba kuti ishandise pfupi kutengesa
- Pamusana penguva yakareba yekutenga kutengesa kutsva, vatengi vaiita bhariribhasi inopa .
- Kusanzwisisa kwokuti ungaita sei kutengeswa pfupi , vazhinji vashandi vaiva nekutengesa kwemazana kutengesa kusina kunaka.
Zvinotaridzika kuti Bhizinesi reAmerica rakasvika pakupedzisira: Kana Bank of America ikasarudza mutengo wekutsvaga kwekutengesa kutsva uye kubvumira kuti kutengeswa kwepfupi kusati kwasvika kuburikidza neChristian Short Sale, kunogona kutora kutengesa kwekutengesa kutsva.
Bhengi inogonawo kuwedzera zvakanyanya kuti mutengi angabhadhara mutengo wemari kana mutengi asina kumanikidzirwa kumirira mwedzi nemwedzi ye tsamba iyoyo yekutengeswa kutsva .
Nzira Yokuita Bhizinesi reAmerican Cooperative Short Sale
Iwe unogona kukodha agarisi weimba yekutengesa kana iwe uchida, asi haisi nhanho inofanirwa kuti utange kugamuchirwa nokuda kwekutengesa kutsva. Ndakabatsira vatengesi vangu kuti vatange kutenderwa asi asi vese vashambadzi vashoma vatengesi vanopa rudzi urwu rwebasa nokuti hatiti kubhadharwa kuti tiite. Heino nzira yakare iyo purogiramu yakashanda muchidimbu:
- Nyora tsamba yakaoma .
- Tumira dambudziko rakatumira kubhangi uye bvunza bhanhire kuti riite Cooperative Short Sale.
- Tsvaga neBhange reAmerica vhiki nevhiki kuti uone kuti Cooperative Short Sale yako iri kushandiswa.
Bhengi inogona kukumbira mamwe magwaro asi ingasadaro. Purogiramu yacho yakarongedzwa. Izvi zvaireva kuti bhangi raizotora chikwereti chekwereti. Kana fikiti yako yeFICO yakanyanya kuderera uye chikwereti chako chikwereta chinotyisa, Bhizinesi reAmerica ringangodaro risingabvunzi kutsigira magwaro. Icho chinongobvumirana neKoperative yako Short Sale. Izvi zvakatora chero mazuva makumi matatu kusvika pamwedzi mitatu kana zvakadaro.
Kutanga muna May 2012, purogiramu yakachinja. Mitemo mitsva yakabvumira nzvimbo yako yemugovera kuti aise Bhizimisi Pfupi Kutengeswa muEquator kwauri pasina tsamba yakaoma.
Kana iwe uchida kuita sarudzo shoma shoma , bhangi rakakumbira kuti ritsigire zvinyorwa. Bhengi inogonawo kukumbira mutengi mutengesi . Nokuda kweSB 458 , mupiro wakanga usingabvumirwi muCalifornia. Asi kunaka kweBoperative Short Sale ndiyo yaitengeswa uye mutengesi akabvumidzwa. The Cooperative Short Sale yakabhadhara mutengesi kusvika ku $ 2 500 kusvika ku $ 3,000 pakusununguka, achipa mutengesi mudzidzi akakodzera. Kanda mukana weHIN mukati mawo, uye mari yacho inogona kudarika. Ndakanga ndiine vamwe vatengesi vaiwana $ 20,000.
Mushure mekunge mutengesi apiwa chipo, Bhizinesi reAmerica raizotarisana nechipo chemutengesi iyeye mukati mezuva gumi rebhizimisi. Ndakanga ndisati ndamboona izvozvo zvichiitika - yakanga iri pedyo ne30 - asi iyo yakanga ichiri nguva yakanaka yekupindura, uye zvaive zvichiita kuti mafaira aya aisava mapepa emari.
Icho chakanga chiripo kwakanga kusina kushamisika.
Dhiyabhorosi kuBhange reAmerican Cooperation Short Sale
- Nhamba isina kukwana Inokwanisika.
Mushure mokunge Bhizimisi Pfupi Yakatengeswa Kutengeswa kwakagamuchirwa, vhizha renyu rekutengesa pfupi vakanyora pamba uye vakatengeswa pamutengo wakatengeswa wekutengeswa. Tariro, iyi yaiva yechokwadi chaiyo. Kana zvisiri izvo, iwe wakanga uchitya. Icho chaiva mungozi yekutora chikamu muhurongwa hweKoperative Short Sale.
- Deed in Lieu.
Ngwarira kana imba yako isina kutengesa, purogiramu yakabvumira kuti zviitike zviito-mu-nzvimbo yekudzivirira . Iwe unogona kurasikirwa neimba yako kana iwe usingagoni kutengesa sekutengeswa pfupi. Asi vatengesi vaifunga izvi, kana iwe uri kuda kurasikirwa nazvo zvakadaro, chii chiri musiyano?
- Wechipiri Chengetesa / MI Kuramba.
Kana iwe waive nezvikwereti zviviri pakutengeswa pfupi , iwe nguva dzose unoda kubvumirwa nemutengi wechipiri kubatanidzwa. Kana wechikwereti wechipiri akamira kuti awane mari yakawanda kuburikidza nekufananidzira, uyo anokweretesa angaramba kugamuchira kutengeswa kwemafupi. Uyezve, kana chikwereti chiine mortgage inshuwarisi , kambani yeM MI yakadawo kubvumidza kutengesa zvakare.
Kunyangwe Bhizinesi reAmerica richafunga kuti Cooperative inotengeswa pfupi makore ose aya gare gare inogona kuongororwa pane imwe nyaya-ne-nyaya zvino iye zvino. Bhiza rako rakanakisisa nderekushevedza bhangi nekubvunza kana chirongwa ichi chiripo. Izvo hazvingaiti.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.