Iva Wakagadzirira Kutenga Imba Nokunzwisisa Mari Iyi
Pane dzimwe mari, semuenzaniso, iyo inofanira kubhadharwa mberi. Mimwe mitero inogona kuiswa muchikwereti chako chemusha. Zvakakosha kunzwisisa mutsauko uye kuziva zvaunotarisirwa kubhadhara muhomwe paunogara pasi patafura yekuvhara.
Iyi nhamba inotaura nezve gumi nembiri dzinowanikwa mari yakawanda yekuziva nezvekutenga imba .
1. Mari yeUnited Mortgage
Iwe unogona kudiwa kutenga pachake mortgage inshuwarisi kana uri kuisa pasi pe20 muzana pasi pamba. Pamwe mortgage inshuwarisi, inowanzonzi PMI, inowanzogoverwa nekambani yega mortgage inshuwarisi yekudzivirira vatengesi kurwisa kurasikirwa kana akakwereta achifa. Kune marudzi maviri ekubhadhara: inomira pamberi pe PMI premium uye mwedzi wePPI premium. Iko mberi kwema premium inogona kubhadharwa pakuvhara, kana kuiswa muchikwereti. Ingoyeuka kuti kuisa mubhadharo uyu muchikwereti - uye mwedzi miviri yePPI - inogona kukanganisa ukuru hwebhadharo yako yekubhadhara mari.
2. Inishuwarenzi yeimba yeimba
Kana ukwereta mari kutenga imba, inshuwarheni inoda kuti iwe usakwanisa kuregerera. Muridzi weimba inishuwarenzi inobatanidza hutano hwehutano hwehutano uye inshuwarisi yengozi yekufukidza imba uye zvayo zviri mukati.
Muzviitiko zvizhinji, izvi zvinoreva kutenga mutemo musati wapera mumba. Iwe unofanirwa kubhadhara premium yegore rokutanga kune imwe inshuwarisi yekambani yako kuratidzira kuti une inshuwarisi munzvimbo usati wavhara. Mushure maizvozvi, unogona kukwidza mari yepayimari yegore negore mubhadharo yako yekubhadhara mari.
3. Title Title
Chikoro cheshuwarisi chakagadzirirwa kuchengetedza chikwereti kana nyaya ikamuka neye musoro weimba yauri kutenga.
Iwe unowanzodiwa kutenga lender's title inshuwarisi, iyo yakaiswa mumari yako yekuvhara kana mari inobhadhara mari yacho. Chikamu cheshuwarisi iwe pachako chingaita, asi chimwe chinhu chokufunga kana iwe unetseka pamusoro pehurukuro yenyaya inobatsira kukwanisa kwako kuchengeta imba mushure mezvo.
4. Kuongorora Mari
Kuongorora kunodiwa kuitira kuti parizvino kukosha kwemari yemari yako kumba kunogona kugadziriswa pamitero yemitero. Ndiyo yakanyorwa yakarongedzwa yemutengo wakabhadharwa pane imwe nzvimbo, zvikurukuru zvichibva pakuenzaniswa kwekutengesa kwemisha iri pedyo. Uyo anokweretesa anoda kuongororwa kuti ave nechokwadi chokuti imba inokodzera mari yaunoda kukwereta. Iyi ndiyo mari imwe chete yaunofanira kuripa kune chikwereti mberi mushure mekuongororwa kunogona kuitika.
5. Mafisi Escrow
Penguva yekuvhara, nhoroondo yekutengesa inowanzobata mari iyo mutengi uye mutengesi apedzisa chibvumirano. Mukuwedzera, iwe unogona kunge uine chikamu chebhadharo yako yepamwedzi yekubhadhara chikwereti kuenda kuchechi kuitira kuti ubhadhara mitero yemitero uye inshuwarisi. Chaizvoizvo, iwe unobhadharisa vamwe veimba yeimba yunishuwarenzi uye yepamusoro mutengo wepaimba yeimba iri mberi. Mwedzi woga woga, chikamu chako chekubhadhara chikwereti chinoshandiswa kune iyi nhamba yekuchera kuitira kuti gore rako rega rega pfuma uye mutengesi wemari yerinishuwarenzi inogona kubhadharwa pazuva razvo rinotevera.
6. Pfungwa kana Mavambo Anotangira
Mari yekutanga inobhadharwa kubhangi kana mutengi kune mabasa avo mukuumba chikwereti. Chimwe chikamu chikamu chimwe chezana chemari yacho, uye inowanzoshandiswa mumutengo wekwereti. Kufanana nekutengesa kubhadhara kweinishuwarenzi kana mitero yemitengo, izvi zvinowedzera zvinogona kuwedzera mari yako yemwedzi yekubhadhara mari.
7. Chikwereti Chekubhadhara Mari
Kuti uwane chikwereti, uyo anokweretesa achange achitsvaka ripoti yemarikiti yakatendwa . Iyi mitero inowanzoita shoma, inodarika madhora 25, uye uyo anokweretesa angakukumbira kuti uibhadhara kana chikwereti chekwereti chaitwa, kana kuwedzera pane mari yekuvhara yako yose.
8. Zvinyorwa Zvokugadzirira Mari
Mutengesi wekwereti, broker, kana kuti akavhara kazhinji anozobhadhara kugovera kugadziriswa kwemabhuku anokwidzirirwa kune chikwereti nekuvhara mapepa. Iyi mitero inowanzovharwa pakuvhara mari yeimba uye inogona kuvharwa nemutengesi weimba kana mutengesi.
9. Ongororo Imari
Kuongororwa mufananidzo kana mepu inoratidza mitsara chaiyo yepamutemo yeimba uye mamwe mashoko. Kana kuongororwa kwakaitika kwenyika kusingagoni kuwanikwa, kutsvakurudza mutsva kuchafanirwa kuitiswa kuitira kuti ione miganhu chaiyo yeimba yacho.
10. Pest kana Mold Inspection
Kunyange zvazvo zvisingawanzodikanwa kumusha mutsva, kutenga kweimba yakwegura kungada kuongororwa nezvirwere zvakadai setimesites pamwe nechiganda. Ichi chinodiwa chinogona kusiyaniswa nenzvimbo, uye mari inowanzosvika pakati pe $ 200 ne $ 500.
11. Imba Mitero
Mune zvimwe zviitiko, iwe unogona kubhadhara mitero yemutengo pakarepo kana mutengesi atobhadhara mitero kwenguva iyo iwe uchange uri muridzi. Uyezve, pangave nemimwe mitero yemasitrasi kana mari yekushambadzira kana mvura inoda kutarisirwa. Iyi mitero inowanzovharwa pakuvhara .
12. State Recording Fees
Zvichienderana nezvamunogara, pangava nemari inoda kuverengwa uye kuchengetedza ruzivo rwekutengesa pamwe nekwenyika rejeri yemabasa.
Ramba uchifunga kuti hazvirevi zvose zvezvikwereti izvi zvichange zvichishanda uye zvingatosiyana kubva kuhurumende kuenda kune imwe nzvimbo. Zvimwe zvinogona kusunurwa kana kubhadharwa nemutengi kana mutengesi wemusha. Pasinei, zvakakosha kuti iwe unzwisise kuti mari ndeipi uye ndiani ane mhosva yekuripa.
Iwe usati wapedzisa kutenga kweimba yako, taura nemugovera wako weimba, mupepeti, kana kuti wekuvhara gweta uye bvunza chirevo cheHUD chekutanga. Iyi fomu inoshandiswa inoshandiswa muUnited States yose kuti itemize maitirwo nemari inopihwa kumutengesi wemusha nemukweretesi kana mutengesi paanenge achitsvaga chikwereti. Kudzokorora chirevo ichi musati wapedzisa kutenga kweimba yako kuchakubatsira kunzwisisa zvaunotarisirwa.