Nzira dzeSellers Rank Rudzi rwekubhadharira mune Chipiro
Mubvunzo: Mhando Yangu Yokubhadhara Inobatsira Here Kana Kuti Inotadza Mupiro Wokutenga?
Muverengi anobvunza kuti: "Ndiri mune chinzvimbo chinokanganisa chekukwanisa kubhadhara mari kana kutenga chikwereti kutenga imba." Ndinoda kutenga nzvimbo yekutsvaga, asi iwe unoziva kuti sei mutengesi uyu. pamusoro pemisha.Ndinoda kupa kwangu kuti ndive wakanakisisa, uye ini ndinoziva rudzi rwekupa iyo runoita basa guru.Ndizvo zviri nani here kuti ndiite chipo chemari kana nechikwereti? Uye kana chiri chikwereti, rudzii chikwereti chinonyanya kukosha, chii chiri kuita kuti kutenga kamwe kuve kwakanaka kupfuura imwe apo pazvinoratidzirana kune rudzi rwechikwereti? "
Mhinduro: Iwe wakachenjera kuongorora kuti chipo chako chinogona kuonekwa sei nevatengesi, nokuti rudzi rwechikwereti chekutengesa mari kana mazwi ekubhadhara mari inogona kuchinja zvikuru maonero iwayo. Kanda mumusanganiswa uyu mutengesi wemutengesi, uye iwewo unogona kunge uchikwikwidzana nezvipo zvakawanda kubva kune vakasiyana-siyana vatengi. Kupa kwako kuchave kwakanyatsoongororwa uye kutongwa.
Vatengi vaishamiswa kana vaiziva kuti zvimwe zvigaro zvekutenga zvinowanikwa sei. Kunyange zvazvo tine mitemo yeHurumende yeHurumende inorambidza rusarura kubva kune zvidziviriro zvekuchengetedza, mamwe maitiro ekusarura haasi kurega. Zvisingatauri, vatengesi vakawanda uye avo vanongoronga mazita avo havasi kuita tsika yekuudza vatengi kuti nei kupiwa kwavo kwakarambwa. Vanongoramba. Haafaniri kutsanangura chikonzero nei.
Zvisinei, inowanzoita mutemo kutonga chipo chinotengwa nemhando yekubhadhara mutengi anosarudza kushandisa. Kutenga zvipo zvinowanzorongwa nenzira inotevera.
Nzira yakanakisisa yekupa iyo yakatangwa kutanga, nechinangwa chakanaka chakanaka chiri panzvimbo yekupedzisira:
- Cash. Izvi zvinoreva mari pane ruoko. Icho hachirevi imba iripo panguva ino, sezvo iyo ingadai iri kutengeswa kusingagumi uye kwete mari yekutengesa. Izvo hazvirevi kuti kunatsiridza pane imwe nzvimbo iyo ichabereka mari pane imwe nguva inotevera. Mari inowanikwa inowanzoendeswa nehupupu hwemari . Izvozvo ndezvokuti mutengesi haazotora shoko romutengi iro mutengi akanaka kune mari. Izvo zvakaenzana nekukumbira mutengi kuti aite sutukesi yakazara nemadhora makumi maviri emadhora.
Nemhaka yokuti mari yakakosha zvikuru, dzimwe nguva vatengi vanogona kukwanisa kutaurirana nekutengesa. Asi usatarisira kubatsirwa kwakadaro mune zvakawanda-kupa mamiriro ezvinhu kana mukutengesa kutsva . Yeuka, zvose zvinopiwa, kunze kwemukadzi mari yekubhadhara, zvinokonzera mari kumutengesi pakupedzisira. Izvo zvakakosha kubhadhara mari inenge isiri yekutarisirwa.
Cash inopa purogiramu yemutengo inonyanya kukosha kune dzimba dzine hutano nokuti hapana kuongorora. Cash inopa pamusoro pemutengo wekutengeswa haifaniri kutengeswa pfupi, asi, nokuti kana mutengi achifamba, kutarisira kwebhangi kwave kwatangwa. Zvinogona kuva zvakaoma kudzokorora.
- Chikwereti chinowanikwa . IFICO chikamu chekudikanwa kwechikwereti chinowirirana chakakwirira kudarika chechikwereti cheFHA. Iwe unogona kugamuchira chikwereti chepakati kana fikiti yako yeFICO ichiratidza zvishoma zvinodiwa zveFHA asi iwe uchabhadhara chikwata chapamusoro chekuda.
Mitero yakasarudzwa inopiwa kune avo vanokwereta vanoisa pasi 20% kana kupfuura mukoti, zvichiita kuti 80% yekwereti-ku-value chiyero kana zvishoma. Iyo yakaderera chiyero, iyo inoderedza ngozi kune anokweretesa. Uyezve, kana kuongorora kuchiuya kwakadzika, kazhinji uyo anokweretesa achaita kuti akwereta abhadhara kusiyana kwemari kana chikwereti-ku-kukosha chiri pasi pe80%.
Rimwe ruzivo kune zvikwereti zvakakosha ndezvipi zvinokweretesa mari inodiwa zvishoma zvakanyanya. Uyo anokweretesa haatombogadziri kukumbira kugadziriswa. Icho chikonzero chega chinoita kuti mutengi wechigarire aonekwe zvakanakisisa kudarika FHA mutengi. Zvisinei, funga mupfungwa, dzimba idzva hazvidi kuti dzigadziridzwe.
- FHA Chikwereti . Vakawanda venguva yekutanga vatengi vanobhadhara chikwereti cheFHA nokuti iyo yokutanga mari yekubhadhara mari inowanzoshoma kudarika chikamu chinodiwa chechikwereti chenguva dzose. Mukuwedzera, FICO chikamu chinodiwa, pamusana pezvikwereti, zvinonyanyisa. Iko kusvitsa pasi kwekubhadhara kweFHA chikwereti ndeye 3.5% yemutengo wekutenga.
FHA mirayiridzo yekugadzirisa haisi yakasimba sezvinotengeswa nevamwe vatengesi nevashambadzi. Asi dzimba dzakwegura dzinowanzodikanwa kugadziriswa zvakare. Kunyora pende ndeye FHA huru iyo imba iyo yakavakwa kare 1978. Imba inogona kuva nekrete pasi isina machira, asi zviri nani kuti tisati tamboita pende. FHA zvikwereti dzimwe nguva zvinomirirwa kubva pakuvhara pamusana pemari yemari.
Mushumo unoshungurudza uye kubvumirwa kunogona kana kusingadiwi neFHA mudzidzi.
- VA Chikwereti . Veterans vanotora mugumo mutsva wetsvimbo pazvinouya nehurumende yehurumende. Asi, VA vanokweretesa vangave zviri nani kune mvumo yechikwereti kupfuura mutengi weFHA nokuti zvinodiwa kutenga pasina kubhadhara zvakanyanya. Anokwereta anochengetedza sarudzo yekuisa mutero pasi kumba kana kutenga pasina kubhadhara. Vakawanda VA vanokwereta vanosarudza kuwedzera.
Izvo zvakaderera kune vhidhiyo yeA VA ndiyo inonzi inoshushikana inoshandiswa. Kana chirwere chinorasikirwa chikadiwa, uyo anokweretesa achada chikwata chekupedzisa. Kana iyo mutengesi ichitengeswa pfupi, kazhinji mabhanhire haazogoni kubhadhara mari yebasa rekupora. Dzimba shoma dzekutengesa dzinotengeswa SezvaIs .
Zvinosuruvarisa, nekuda kwehutungamiri nemafungiro asina kunaka, VA vanotenga kazhinji vanowira pasi peganda rekupa, asi ivo vanogona kunge vari vakakodzera. Vashandi vanobata zvakawanda zvekutengesa zvishoma vanofarira kushambadzira VA vatengi nokuti vanoziva kuti vatengi ava vanozoshandurwa pane imwe nzvimbo, izvo zvinoita kuti vave vakazvipira kuti vashandise kwenguva shoma.
Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.