Ko Bhuroti Mari Inoshanda Sei?
Semuenzaniso, kana mutengi wemunyika achitenga imwe imba asati atengesa imba iripo, nzira mbiri dzakajairika dzekuwana mari yakaderera yeimba yekufamba-famba ndeyo kuburikidza nekubhadhara kana bhorodha yemari kana musha wemari yekukweretesa ).
Ndinokurudzira vatengesi kuti vamirire vasati vatenga imba uye vatengese musha uripo pakutanga, asi vazhinji vanonzwa chido chekuona kuti vanoenda kumusha kutanga.
Kana iwe unonyatsoziva kuti imba yako iripo inotengesa, inoderedza kutya kwezvinhu zvinoitika kana zvikasadaro. Iwe unogona kuda kutaura nemuridzidzisi wekutendeseka usati waita chikwereti chebhiriji. Kubatsira kukuru kune chikwereti chemabhiriji ndechokudzivisa kugovera kwekugadzirisa uye kuita kuti kutama kwako kugovera zvose zvinofadza kune mutengesi.
Kazhinji, chikwereti chekuwana chikwereti hachina mari, asi bhuloti yemari inowedzera zvimwe zvipo kune vamwe vanokwereta. Mukuwedzera, vazhinji vanokweretesa havazokweretesi chikwereti chekuwana chikwereti kana imba iri pamusika. Vakabhadhara Smart vanofananidza zvikomborero pakati pezvikwereti zviviri kuti vaone kuti zvakanakisisa zvakadini mumamiriro avo ezvinhu uye varonga mberi vasati vaita chikwata chekutenga imwe imba.
Chinhu chakakosha kubhadhara yemabhiriji ndiyo iyo inokubvumira kutenga imba itsva pasina chiitiko chekutengesa .
Muvatengesi vemutengesi, vatengesi vakawanda havangagamuchiri kugovera. Kana uine musha wokutengesa, izvo zvinogona kureva iwe unogona kunge usingakwanisi kutenga imba chero ipi zvayo kunze kwekushaya mamiriro ezvinhu.
Chii Chinonzi Bridge Loans?
Bhiriji yezvikwereti ndezvikwereti zvenguva pfupi zvinokonzera kupesana pakati pekutengesa kweimba yeimba mutsva uye mutsva wekutengesa pamba, apo imba yomutengesi isati yatengeswa.
Bhiriji rehuturi rakachengeterwa kumusha weimba yomutengi. Mari inobva kuchikwereti chebhiriji inoshandiswa sekubhadhara pasi kweimba yekufambisa.
Ko Bhuroti Mari Inoshanda Sei?
Vakawanda vanokweretesa havana kuisa mirayiridzo yeFICO minda kana chikwereti-kusvika-kuwana ratios. Mari yekufambisa inotungamirirwa ne "mamwe manzwiro" ekunyorwa kwekunyorera . Chikamu chepisidyo chinoda mirayiridzo ndeyekugara kwenguva refu mari inowanikwa paimba itsva.
Vamwe vanokweretesa vanoita zvikwereti zvinoenderana nemari inokonzera kubhadhara mari yebhiriji kuitira zvinangwa. Izvi zvinoreva kuti akakwereta anokwanisa kutenga imba yekufamba-famba nekuwedzera pamwe chete chikwereti chaivepo chiripo , kana chiripo, pamusha wemutengi akange aripo kune mari itsva yekubhadhara chikwereti cheimba yekufambisa. Zvikonzero zvinoita kuti vakawanda vatengesi vabatsire mutengi pazvikwereti zviviri ndezvekuti:
- Vazhinji vatengi vane chekutanga chekutengesa pamusha uno.
- Mutengi angangovhara kutengesa kwemusha asati atengesa imba yakagara.
- Kwechinguva chiduku, mutengi achava nemisha miviri.
Kana iyo musha musha wekutora chikwereti chakafanana, vateresi vane mari yakawanda yekugamuchira chikwereti chikuru chekuwana chikwereti kuburikidza nekukweretesa chikwereti chekutora chikwereti kuburikidza nehurongwa hwekunyora pasi pasi . Kana iyo musha musha wekutengesa chikwereti chejumbo , vazhinji vanokweretesa vacharambidza muchengeti weimba kune chikamu chekwereti chekukwereta kusvika 50%.
Avhareji Mari Yezvikwereti zveBridge
Mitengo ichasiyana pakati pevakweretesi, asi kutevera kuenzanisa kuenzanisa kwebhadharo rebhuriji muCalifornia. Nharaunda dzinofananidzwa dzinochinja, asi pamuenzaniso uyu, ngatishandise 8.5%. Iko rudzi rwebhiriji bhadheni haruzoitwi nemitengo kwemwedzi mina; zvisinei, kufarira kunowedzera uye kunokonzerwa kana chikwereti ichibhadhara pakutengeswa kweimba yacho. Pano pane mubhadharo wemari, inotumirwa nemunhu chaiye akatengesa chikwereti *:
- Mutengo wekutarisira: $ 850
- Kuongororwa mari: $ 475
- Mari yekusimudzira : $ 450
- Mutemo webhadharo yemitemo : $ 450 +
- Nyanzvi yemari : $ 40
- Kuremekedza mari: $ 65
- Wire / courier / kukorera mari: $ 75
Mukuwedzera, pane mari yekubhadhara chikwereti pamabhiriji emari kubva kune chikwereti chemari yacho. Nhamba imwe neimwe inokwana 1% yemari yemari. Hezvino mavhareji emari, inotumirwa nevatengi vemari *. Zvakare, mari ichasiyana.
- $ 25,000 kusvika $ 100,000 = .50 mapeji
- $ 100,000 kusvika $ 150,000 = .75 mapeji
- $ 150,000 kusvika $ 250,000 = 1,0 points
Musha Kutenga Zvibatsiro zveBridge Loans
- Mutengi anogona kuisa musha pakarepo pamusika uye kutenga pasina zvibvumirano.
- Bhiriji yezvikwereti haigone kutora mwedzi miviri kwemwedzi shomanana.
- Kana mutengi akaita chipo chekutsvaga kutenga uye mutengesi anopa Chinyorwa Chakuita , mutengi anogona kubvisa chinetso chokutengesa uye achiri kuenda mberi nekutenga.
Musha Kutenga Zviratidzo zveBrad Loan
- Bhiriji yezvikwereti inodhura mari yakawanda kupfuura mari yekukwereta.
- Vatengi vachakwanisa kugadziriswa nemunhu anokweretesa kuti ave nemba miviri uye vazhinji vangasakwanisa kuita izvi zvakanyanya.
- Kuita mari mbiri yekubhadhara chikwereti, pamwe nekuwedzera kwechibereko kune bhiriji rekubhadhara, zvinogona kukonzera kushungurudzika.
* Cherechedza: Ndinotenda nekuda kwaEvelyne Jamet kuVitek Mortgage yekupa shanduro yemari yebhadharo yemari.
DISCLOSURE: Vitek Mortgage inoshandiswa mutengesi nokuda kwekushanda kwangu mari uye inofarira ukama hwakabatana neLyon Real Estate.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.