Muridzi Mari In Real Estate

Kutenga Imba Neimba Kupa Mari

Kumbira mutengesi kuti akupe muridzi wemari kutenga imba inogona kunge iri chinonyengera. Icho chikamu nokuti kana iwe ukakumbira muenzanisi wekutsvaga kana muridzi wacho akatakura zvimwe kana mari yose yekubhadhara, iyo mumiriri angave asingazivi. Sei? Mujeri haana kumbobvunza. Zvichida haana hanya kubvunza, kana.

Kana ukakumbira mutengesi zvakananga, mutengesi angangoti kwete. Vashambadziri vanowanzoramba kuratidzira kwemukadzi mari yekubhadhara nokuti hapana munhu akatsanangura zvikomborero kana kuti anorongerwa mari yekupa mari senzira yekutengesa imba.

Vazhinji vatengesi havatengesi imba mazuva ose. Ruzivo rwavo runogumira kune zviitiko zvinowanikwa apo mutengi anoenda kubhangi kuti awane chikwereti .

Zvisinei, kune mutengesi uyo imba yake isingatengesi kana kuti tsika dzetsika dzomutengi dzakasimbiswa, muridzi wekubhadhara kamwe kamwe anozivikanwa zvikuru. Muridzi wekubhadhara ndechechokwadi nzira yakakodzera yevamwe mumisika yemutengesi . Handizvo zvakanyanya mumisika yemutengesi.

Chii chiri muridzi wemari?

Kana chikamu kana mutengo wose wekutenga, mutengo unodarika mutengi, unotorwa ne (mari inoshandiswa) mutengesi, mutengesi ari kupa muridzi mari. Hazvina mhosva kana chivako chiri nechikwereti chiripo, kunze kwekuti mukana wekukweretesa uripo angaita sei kuti kuwedzerwa chikwereti chakatengeswa nekuda kwekuparadzanisa chikamu . Panzvimbo pokuenda kubhangi, mutengi anopa chikwama chekubhadhara kune mutengesi seuchapupu hwechikwereti uye anopa mari kune mutengesi.

Kana nzvimbo yacho isina-uye-yakajeka, zvinoreva mutengesi ane chikonzero chakajeka pasina chikwereti, mutengesi angabvumirana kutakura mari yose.

Muchiitiko ichocho, mutengi uye mutengesi anobvumirana pamusoro pechido chekuda, mwedzi wekubhadhara chikwereti uye nguva yechikwereti, uye mutengi anopa muchitengesi kune mutengesi wehutano pane chimwe chikamu.

Chigadzirwa chekuchengetedza kazhinji chinonyorwa muzvinyorwa zvevanhu, zvinodzivirira mapato maviri. Yeuka mupfungwa, dzimwe mamiriro emitemo inorambidza kubhodhi kubhadhara.

Mimwe mitemo yehurumende yehurumende inogonawo kutonga muridzi wemari. Iwe unogona kuda kuwana mazano emutemo kuti uone kuti uri kutevera mutemo.

Mhando dzeZvino Mari

Kuwanda kwekutenga-mari kutengesa kunotaurirana. Vatengesi nevatengi vakasununguka kutaurirana nezvemashoko emuridzi wemari, zvichienderana nemitemo yekubhadhara pamwe nemimwe mitemo yehurumende. Zvakare, iwe ungada kutsvaka mazano emutemo.

Kunyange zvazvo pasina hutsika huripo huripo hunodikanwa, vatengesi vakawanda vanotora chikwereti chakakwana chekudzivirira kuchengetedza kwavo. Kubhadhara kunogona kusiyana kubva kuduku duku kusvika ku30 kubva pasi kana kupfuura. Vatengesi vanonzwa kuenzana kwavo kunodzivirirwa nemutengo wekubhadhara kwevatengi nokuti vatengi havashoma kupinda mukutaridzika kana vakaisa mari yakawanda mberi.

Zvimwe zvakasiyana-siyana zvemukadzi mari inosanganisira:

• Land Contracts.

  Mvumo yemitemo haipfuuri mutemo wepamutemo kune mutengi asi kupa mutengi mutengo wakakwana. Mutengi anobhadhara mutengesi kwenguva yakati. Pamusoro pokubhadhara kwokupedzisira kana kugadzirisa, mutengi anogamuchira chiito.

• Promissory Notes uye Mortgages.

  Vatengesi vanogona kutakura chikwereti chemari yose yekutenga mutengo (pasi pekubhadhara kwakaderera), iyo inogona kusanganisira chikwereti chiri pasi. Iko rudzi rwekubhadhara kunonzi "yose-inclusive mortgage" kana "yose-inosanganisira kuvimbika kwechiito" (AITD). Mutengesi anogamuchira chikamu chekufarira kune chikwereti chepakati.

  Mutengesi anogonawo kutakura chikwereti chekubhadhara chikwereti, kana zvakadaro, mutengi aizotora chikwereti pasi pechikwereti chaivepo kana kuti awane itsva yekutenga chikwereti. Mutengi anogamuchira chiito uye anopa mutengesi chikamu chechipiri chekutengesa kwechiyero chemutengo wekutenga, zvishoma kudhadhara kubhadhara uye kutanga kutora chikwereti.

• Kubhadhara Kutengesa Zvibvumirano.

  Kutengesa pane chibvumirano chekutengesa-chinotengeswa zvinoreva mutengesi ari kupa mutengi mutengo wekutengesa uye achibhadhara chimba kune mutengi. Pamusoro pekuzadzikiswa kwechibvumirano chekutengesa-mutengo, mutengi anogamuchira musoro uye anowanzowana chikwereti kubhadhara mutengesi, mushure mekugamuchira chikwereti kune zvose kana chikamu chemari yekubhadhara kunotenga mutengo.

Muridzi Wekubhadhara Zvikwereti KuVatengi Vekumba

• Muduku kana Kwete Kufanirwa.

  Kunyangwe kana mutengesi achida chikwereti chekwereti kune mutengi, kududzirwa kwevatengesi kwezvidzidzo zvevatengi zvakanyanya zvishoma uye zvakajeka kudarika izvo zvakagadzirwa nevakakwereta.

• Yakagadzirirwa Kubhadhara.

  Kusiyana nezvikwereti zvakakomba , vatengesi nevatengi vanogona kusarudza kubva kune zvakasiyana-siyana zvekubhadhara zvakadai sedzinotora chete, zvigadziriswa-kutengesa zvinyorwa , zvishoma-kupfuura-kufarira kana kubhadharo yebhaloon . Maripo inogona kusanganiswa uye kufanana. Nharaunda dzinogona kuchinja nguva nenguva kana kuti dzirambe dzichienda kune imwe purogiramu yemutengo wechikwereti.

• Kunyorera Kubhadhara Flexibility.

  Kubhadhara kuripo kunotaurirana. Kana mutengesi aida kubhadhara zvakanyanya kudarika izvo mutengi anezvo, dzimwe nguva vatengesi vanoita kuti mutengi aite nguva nenguva yezvikwereti zvemari kusvika kune kubhadhara kuripo.

• Pasi Rekupedzera Mari .

  Pasina chikwereti chekambani, hapana chekukweretesa kana kukodzero dzekubhadhara kubhadhara. Hapana mari yekutanga , mari yekugadzirisa, mitero yehutungamiri kana chimwe chezvimwe zvakasungirirwa zvakasiyana-siyana zvinokweretwa nevasingabhadhari, izvo zvinowanzochengetedza mari kune yekuvhara mari yekuvhara .

• Kukurumidza Possession.

  Nokuti vatengi nevatengesi havasi kumirira kune chikwereti kugadzirisa mari, vatengi vanogona kupfiga nokukurumidza uye kutenga mutengi zvakapfuura pamusoro pekugadzirisa kwechikwereti.

Muridzi Wekubhadhara Zvikwereti Kuimba Vatengesi

• Higher Sales Price.

  Nokuti mutengesi ari kupa muridzi wemari, mutengesi angave ari munzvimbo yekuraira zvakakwana puropu yepamusoro kana kupfuura.

• Tax Breaks .

  Mutengesi angabhadhara mari shoma pane mutero wekutengesa , anongotaura chete mari inogamuchirwa mugore rimwe nerimwe rekare.

• Mwedzi Unobhadhara.

  Kubhadhara kubva kune mutengi kunowedzera mutengesi wemwedzi wepamwedzi wemari, zvichiguma nemari inoshandiswa.

• Nharaunda Yakakwirira.

  Muridzi wekubhadharira anogona kutakura mutengo wakakwirira wekufarira kudarika mutengesi angagamuchira mumari yemari yemakethe kana zvimwe zvingangove zvingangoita zvekutsvaga mari.

• Shorter Listing Term.

  Muridzi wekubhadhara anokwezva sarudzo yakasiyana yevatengi. Kana imwe nzvimbo isingatengesi pasi pemagetsi, kupa muridzi wemari ndiyo imwe nzira yekumira kubva kugungwa rekugadzira uye kuendesa zvinhu zvakaoma-kutengesa zvisingatengeswi.

Mukuvhara, usati wapinda mutengesi nemuridzi wekubhadhara, tapota taurira gweta redzimba uye uwane mazano ane kodzero yemutemo. Usavimba newaini yako yeimba yekutengesa kuti uwane ruzivo, kunze kwekuti mujeri wako ari chiremba gweta redzimba.