Edza Kuti Usarega Kukanganiswa Kwemari Yako
Pandakatenga imba yangu yokutanga yaida kuti mari yezvemari, ini ndave nechokwadi chokuti chibvumirano chekutenga chaiva nechiitiko chezvikwereti. Kuva nechikwereti chechikwereti muchibvumirano chaireva kana chimwe chinhu chiduku chisina kukanganisa nokutenga kwemusha wangu mutsva uye nokuda kwechimwe chikonzero, chero zvikonzero zvisingaoneki kuti muridzi wekwereti aisagona kukweretesa chikwereti kwandiri, ipapo ini ndingadai ndasunungurwa kubva pane zvandinofanira kutenga imba.
Kusvikira panguva iyoyo, misha yose yandakanga ndatenga yakatengwa kuburikidza nemuridzi wemari .
Kwakanga kusine chikwata chekukweretesa mune mutengesi akatakura chikwereti kana chibvumirano chevhu . Pane imwe nguva ini ndasaina chibvumirano chekutenga, ndakanga ndichida chaizvo kuti ndipinde nekutengeswa kwemusha, kunze kwekuongororwa kwekuongorora. Ikoko kwakanga kusinawo kuongororwa kwezvakaitika nemuridzi mari.
Munguva dzenguva dzepasi-dzekubhadhara mari, muridzi wemari anowanikwa kunze kwevanhu uye vashomanana, kunze kwekuti chikwereti chinopesana, edza kushandisa mongesi mari yekutenga imba. Chimwe chingave chiripo kana imba yacho pachayo isingakodzeri kubhadhara mari, saka mutengesi angatarisa muridzi wemari. Asi vatengesi vakawanda mumashamba ezvakanaka edzimba vanosarudza kuti mutengi anobhadhara mari kana kuti awane chikwereti kutenga imba.
Kutengesa Zvibvumirano neChipupuriro Chechikwereti
Mhando dzezvibvumirano zvekutenga zvinoshandiswa muUnited States dzinosiyana kubva kune imwe nyika kuenda kune imwe, asi vazhinji vavo vanobvumira nguva yekukwereta. Kuwedzera kune chikwata chekubhadhara chikwereti, chibvumirano chekutsvaga kwekugara chakadai sechishandiswa muCalifornia, somuenzaniso, chingavewo nechiitiko chekuongororwa, izvo zvakasiyana nedambudziko rekukwereta.
Kutenga zvibvumirano zvinowanzopa imwe nhamba yemazuva nekontrakiti isina kukwana kugamuchira kuvimbiswa kuti chikwereti chinogamuchirwa uye mutengi achabvumirwa kushandisa mari. Nguva iyoyo inogona kubva kubva pa7 kusvika kumazuva makumi matatu, uye nguva dzakawanda dzakasimbirira kusvika kumaawa matatu kusvika ku4. Ichi ndicho chikonzero chakakosha kumutengesi weimba kutumira zvinyorwa zvose zvekukweretesa izvo mukuru wekubhadhara anokumbira nokukurumidza sezvazvinogona.
Chero kunonoka kwekutumira magwaro emari anodiwa kunogona kukonzera kunonoka mukubvumirwa kwokupedzisira kwemari.
Apo Mutemo Wechikwereti unopera
Mune dzimwe nyika, kana nguva yekukwereta yakapera, mutengi ari kunze kwenguva. Kana chikwereti chomutengesi chisina kubvumirwa munguva iyoyo, izvo zvakaipa. Mutengi anogona kukumbira kuwedzerwa, asi vatengesi havawanzodi kubvumira. ZANO: Usaita chikanganiso chokufunga kuti iwe nguva dzose munyika kuti upe makopi ako emakero emitero inodzoka uye kupa mari yako yese yebhangi nokuti nguva inowanzoisa.
Mune dzimwe nyika dzakadai seCalifornia apo mikontiro yekutenga inowanzofarira mutengi, kana mutengi asingabvisi chikwereti chechikwereti pazuva rekupedzisira, mutengesi anogona kutora matanho ekudzima chibvumirano mushure mokubudisa Chiratidzo chekuita . Kana mutengesi asingatori matanho emutemo ekumanikidzira nguva yezvakaitika, inoramba iripo. Haisi pfungwa yakanaka yekutarisira kuti mutengesi muCalifornia acharamba aine chikwereti chekubhadhara chikwereti nokuti vazhinji vatengesi vanomiririrwa nevanoronga mazita avo vanozovayeuchidza nezvekodzero dzavo pasi pebvumirano.
Ini kazhinji ndinowana kushorwa kwakawanda kubva kune vashandi vekutengi apo seine mureza wekutsvaga ndinokumbira kusunungurwa kwechikwereti chikwereti kubva kune mutengi.
Vanokumbira nguva yakawanda kana, mune dzimwe nguva, vanorirova zvachose nokuti, chero zvikonzero zvipi, zvichida havanzwi sokumanikidza vatengi vavo kuti vateerere kontrakiti. Kana vatengi vachida nguva yakawanda, kunyange zvakadaro, hatibvumirwi kupa mazwi edu OK nokuti zvikwata zvedu zveCalifornia zvinobvumira mutengi kuisa chete chikumbiro chakanyorwa chakanyora kwenguva yakareba. Zvose zvibvumirano nezvibvumirano zvinofanira kunge zvakanyorwa mukudzivirirwa kwevanhu vose.
Chii Chinoitika Kana Kunyoresa Kunoramba Mutero?
Mubvunzo unowanzoitika ndeyezvinoitika kune mutengi asina kubvumirwa kune chikwereti asi akabudisa chikwata chekubhadhara chikwereti kana chero chikonzero chakarasikirwa nekuchengetedzwa kwechikwereti chekukweretesa muchibvumirano chekutenga. Ko mutengesi angasunga mutengi here? Ko mutengi acharasikirwa nemari yake yakasimba mari? Chii chiri pangozi?
Icho chinokonzera ngozi uye migumisiro yacho inosiyana kubva kune imwe nyika kuenda kune imwe nyika.
Zvakawanda zvinogona kuipa mukunyora pasi . Vashandi vekumba vanofunga kuti vanobvumirwa chikwereti nokuti muvakweretesi wavo akavapa tsamba yekubvumira kare zvichienderana neshoko rechikwereti rinogona kuona kuti kunyora pasi hakuzobvumi chikwereti. Ichokwadi kuti hapana zvinhu zvakadai slam-dunk mortgage loans . Zvikonzero zvakawanda zviripo zvekunyora pasi kuramba chikwereti. Vaya vatengesi veimba vane chikwereti chechikwereti kazhinji vanogona kubvisa chibvumirano uye vanowana kubhadharwa kwemari yavo yakawanda mari.
Kana imba vatengi vasingakwanisi kuwana chikwereti pamusana pekuongororwa kwechiitiko, nokuti kuongorora kwakauya muzasi uye mutengesi haazogadziri mutengo wekutenga, izvo zvinowanzovewo zvikonzero zvekubvisa. Asi kuti uchengetedzwe zvakakwana mumamiriro ezvinhu aya, iwe une chikwata chine chikwereti chekubhadhara uye kuongororwa kwechiitiko munzvimbo. Iva nechokwadi chekutaura newaini yako yemuzinda wekutengesa usati wasayina kontrakiti yekutenga kuti uwane kunzwisisa kwakasimba kwokuti chikwereti chekwereti chinoshanda sei munyika yako.
Panguva yekunyora, Elizabeth Weintraub, BRE # 00697006, ndiye Broker-Associate kuLyon Real Estate kuSacramento, California