Mari ishoko rinoshandiswa kurondedzera kushandiswa kwekugadzirisa (kusunungura) mari kubva kuchikwereti chekubhadhara chikwereti kune musoro kana kuvhara mberi kwekuvhara mutengesi weimba. Kufarira kuripo kubva pazuva rekubhadhara uye kwete kubva musi wokuvhara nekuti mari inowanzowanzoitika zuva kana maviri asati apera.
Iyo nzira yekubhadhara mari yechikwereti inopesana nehurumende kuenda kuAmerica. Maripo haigoni kuisa kusvikira magwaro ose emari chikwereti asati asvika uye mari yese yekubhadhara inogutsikana.
Semuenzaniso, muCalifornia, mutengi weimba achanyora zvinyorwa zvemari chikwereti mazuva mashomanana kusati kwaitika kugadzirisa kwechokwadi. Mune dzimwe nzvimbo dzenyika, kunyanya kuEast Coast, apo mutengi anoratidza zviratidzo zvekukwereta, kupfigwa kunoitika zuva iroro.
Nokuti imba yako yekutsvaga nyanzvi inowanzozivikanwa neCalifornia, pasi apa ndiyo nzira yekugadzirisa mari inoshandiswa kuchamhembe kweCalifornia, iyo, zvakare, yakasiyana zvakasiyana nechekumaodzanyemba kweCalifornia. Chokutanga, tine mitsara yeTIRID , iyo yakanyatsosimbisa nzira yekubhadhara mari yakapedzwa kwemakore anopfuura makumi mana. Kunze neKutenda kwakanaka kwekutenda neHUD uye RESPA uye pamwe nemitemo yakasiyana yehurumende.
Chii Chinodiwa Kuti Ubhadhe Chikwereti?
Chimwe cheitiro ye TRID inoda kutumira kuvharwa kwekuvhara kune mutengi mazuva mashomanana vasati vasayina mabhuku echikwereti. Mushure mokunge nguva yakakodzera yakapfuura, mutengi anobva abvumirwa kusayina zvinyorwa zvekutengesa, izvo kazhinji zvinogona kunzwa sokuti mumwe ari kubvisa hupenyu, pane mifananidzo yakawanda.
Mamwe mapepa achaita seanofanana kune mumwe, uye mamwe acho ndeaya. Kunyange zvakadaro, zvose zvinoda kusayinwa kana iwe uchida kubhadhara chikwereti chako.
Zvinyorwa zvemari zvichange zvichitoda notarization. MuCalifornia, izvi zvinoreva kubudisa maitiro maviri anogamuchirwa ekuzivikanwa uye kuisa chiratidzo chako pane mamwe magwaro pamberi pevanyori vezvenhau.
Nyaya dzakawanda uye vashandirwi vekambani dzepamberi ndivo vanyori vezvenhau. Iwe unogonawo kuisa nefoni yeanotari muimba yako yega kana nzvimbo yebhizimisi, paunosarudza.
Mushure mekunyorwa kwemabhuku ose embairo uye mapepa ekuputika zvakanyatsogadziriswa nemapoka ose, mabhuku echikwereti anodzorerwa kune chikwereti kuti aongororwe. Iyi ndiyo apo kunyora pasi kunenge kuchida kuti zvikwereti zvose zvizadziswe zvakare. Kune mamwe mamiriro ayo pasi pekuti zvinyorwa zvezvikwereti hazvisati zvambotorwa munzvimbo yekutanga kana mvumo yezvikwereti isingagutsikani, inonzi "kutanga doc", asi vazhinji vanokweretesa vachati mamiriro ekubhadhara anogadziriswa vasati vawana mari.
Mvumo yekubhadhara mari inogona kukumbira kuongorora kuongorora kana chimwe chinhu chakajeka sekutambira mapeji ese ebhengi rebhangi, kunyange mapeji asina ruvara. Kune misha mitsva, mvumo yekubhadhara mari inogona kushevedza kuti mishonga yose inogadziriswa uye mukushanda musati wasvika. Nechikwereti cheFHA , mvumo yezvikwereti inogona kudikanwa kuti munhu asarudze muviri uye aparadze mapepa emapende akawanikwa akarara kumativi ose eimba. Iwe hauzive kuti chii chinokwereta chikwereti chinogona kudikanwa.
Mushure mokunge vatengesi vaongororai zvinyorwa zvezvikwereti zvinourawa, uyo anokweretesa achagadzirira kubhadhara chikwereti.
Kazhinji, izvi zvinoreva kubhadhara mari yose yemari kuchikwereti kana kambani yekuenda. Apo tambo inogamuchirwa neanhengo yekuvhara, faira iri munzvimbo yekunyora. MuSaramramento County, tine nhamba dzekutora nguva dzinowanikwa kwatiri zuva rese. Mune dzimwe nharaunda, pane nguva imwe chete inogona kuwanikwa.
Izvi zvinoreva kana iyo firimu yemari inogamuchirwa zvakanyanyisa kuti iite chete kunyora nguva mumatare ane nguva imwe chete iripo, mutengesi hauzovhari kusvikira zuva rinotevera. Receipt yemari yemari yakakosha inokosha pakuvhara kutengeswa kweimba yako. Iwe unogona kukurumidza kumba kwako nekuvhara nekukumbira nguva isati iyo zita kana chikwereti chiri pedyo chinotarisira kugamuchira mari yezvikwereti uye kana zuva rimwe chete rokuvhara rinogona.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California .
Mienzaniso: Vakawanda vanobhadhara mari uye vanoswedera musi iwoyo, asi vamwe vanokweretesa vanosarudza kubhadhara zuva risati rapera.