Chikonzero chezvipingamupinyi chinosanganisira rudzi rwezvikwereti zvezvikwereti zvakapararira.
MuCalifornia real estate, somuenzaniso, kufanana nedzimwe nzvimbo dzakawanda munyika, mutengi wemusha anogona kutarisa mhando dzakasiyana dzezvikwereti zvekukweretesa uye anosanganisira chimwe kana zvimwe zvezviitiko izvi muhomwe yekutenga .
Vashandi vekumba chete vari kuwana mari vanoita kuti chibvumirano chekutenga chinopesana nokuwana chikwereti. Vashandi vemari vanobhadhara havakwanisi kubhadhara chikwereti nokuti hapana chikwereti. Chibvumirano chinogona kunge chakazara nemutengi achiwana:
- FHA chikwereti , icho chine zvigaro zvayo zvezvido, kana
- a VA chikwereti , icho chinovimbiswa neVeteran's Administration, kana
- chikwereti chenguva dzose , iyo inowanzozotengeswa mumusika wechipiri, kana
- chikwereti kubva kune chikwereti chekwereti apo uyo akwereta ari nhengo, kana
- kubhadhara mari yega, iyo dzimwe nguva inonzi mari yakaoma mari
Zvichienderana nerudzi rwechikwereti, uyo anokweretesa angangoda zvimwe zvinhu zvepaimba kana kugadzirisa kuita chikwereti. Kana vatengesi nevatengi vasingakwanisi kubvumirana pamusoro pemamiriro ekugadzirisa kana kukwereta, mutengi haagamuchiri chikwereti, uye mutengesi unogona kuparara.
Kazhinji, mutengi ane imwe nguva panguva yechibvumirano chekutenga kuti awane mari. Mune zvimwe zviitiko, chibvumirano chinogona kupa mutengi chisarudzo, kusarudza pakati peimwe zuva remazuva vasati vatarisa chikwereti ichocho chichafanira kubviswa kana kugutsikana, kana kuti kuchengetedza chiitiko chechikwereti, kana mapoka ose akabvumirana, munzvimbo kusvikira apfigira.
Ndiyo iyo dambudziko rinotanga. Vazhinji vatengesi vanotarisira kuti mutengi achatoda kuwana mari. Vatengesi vanowanzoita zvinganzwisisika uye vanobvumira imwe nguva yenguva kudarika mutengi kuti awane mari nekubvisa chikwereti ichocho, asi havasi vatengesi vose vachada kumiririra kusvikira zuva rokuvhara kuti vaone kana mutengi achikwanisa zvechokwadi kuvhara kukura. Hazvisi zvakakwana kune mutengesi kune mutengi kuti akumbire nguva yekuvhara kwemazuva makumi matatu pasina kuzvipira kwakasimba kwekuvhara. Kune rumwe rutivi, kubvisa chikwereti chemari chikwereti musati wapera kunogona kuita kuti mutengi ave nekutya zvikuru.
Mutengi angashamisika kuti chii chingaitika kana uyo anokweretesa, pane chimwe chikonzero chisingatarisirwi kana chisingaoneki, akasarudza kuramba chikwereti. Kana mutengi ainge abvisa chikwereti chechikwereti, mutengi angangodaro ari pane ngoni yevatengesi, uye mutengi wemari yakatengesa mari inogona kuva pangozi. Vashomanana vanotenga vanoda kutora gumbo pakurasikirwa nehomwe yacho.
Zvechokwadi, vatengi vanowana uye vanopa tsamba yekufananidza vasati vaita kupa. Iko tsamba yekufananidza iyo mutengesi inovimba nehuchapupu hwomutengi wekodzero yekukwereta uye kukwanisa kubhadhara chikwereti. Asi mushure mokunge faira yacho yakaiswa pakunyora pasi, mamwe matambudziko anogona kubuda.
Kutonga kusingazivikanwi kunogona kuonekwa mumasangano evanhu, mutengi angave ane blip pamushumo wechikwereti wakanga wadarika kuputika, yekare nekutengeswa kwenguva pfupi kunogona kuisa damper pakukodzera, mutengi anogona kurasikirwa nebasa, mutengi angave ngaishandise chete pasi pezvinodiwa makore maviri-gore kana kugamuchira mubhadharo usingabvumirwi pamabhadharo stubs. Kune ma bhazillion zvinhu zvinogona kukanganisa Ngatisamborega kuti rudzi rwechipiri rwekukweretesa chikwereti nderekuongorora. Kuongororwa kwechiitiko chinowanzosiyana nematambudziko ekukwereta. Kuongorora kwechiitiko kunoreva kuti imba inofanira kuongororwa pamutengo wekutenga. Kana kuongorora kuri pasi pekutenga mutengo, ipapo mutengi anogona kukonzera kupa mutengi ane chiitiko chekuongororwa muchibvumirano chekutenga. Kana mutengesi achibvumirana kuderedza mutengo kusangana nekuongororwa, mutengi ndiye anotarisirwa kubvisa kuongororwa kwechiitiko.
Asi chii chinoitika kana pakuvhara munyori wechiri pasi paanofunga paawa yegumi nemana kuti agadzire kuongorora kwechipiri uye iyo yechipiri maonero ekukosha inosvika pakuva kuongorora kwakaderera ? Kana mutengi akabudisa chiitiko chekuongororwa, hapana kuongororwa kwechiitiko chakasara. Zvisinei, kana chikwereti chemari chikwereti chisati chabudiswa, chibvumirano chekutenga chingave chichienderana nekwanisa kukwereta kutenga chikwereti.
Izvi ndizvo zvinotarisirwa kutaridzana nemuridziri wako weimba yepamba asati agadzirira kupa imba. Vamwe vatengi vanonzwa vakasununguka kubvisa chikwereti chekwereti apo anokweretesa anosimbisa mutengi faira yakagadzirira mari. Zvisinei, kana uyo anokweretesa ane zvinetso, zvingave zvisina kunaka kuti abvise chikwereti chechikwereti. Nhepfenyuro yezvikwereti inotaura zvakare kune mutengesi. Zvinonyadzisa ndezvipi apo kupiwa kwako kuri pakati pezvipo zvizhinji, uye vamwe vatengi vanoda kutora chikwereti chechikwereti kana kuderedza nguva, uye iwe unomiririra kuchengeta chikwata chekwereti chakakosha kusvika pakuvhara, chipo chako hachigoni kugamuchirwa. Mutengesi angafunga kuti une dambudziko rinogona kukonzera matambudziko pakuvhara.
Mumamiriro ezvinhu akaoma akadai, vamwe vatengi vekumba vanobvunza mutengi kuti avabvumire faira kuburikidza nekunyora pasi vasati vamboita chipo chokutenga imba. Kunyoresa kubvumirwa kunobvisa kutya kwekusatenda uye kunosimbisa kupa.
Panguva yekunyora, Elizabeth Weintraub, BRE # 00697006, ndiye Broker-Associate kuLyon Real Estate kuSacramento, California.