Mari Yakakosha Inobatsira Vanokwereta Kuenzanisa Shop a Mortgage
Kutenda Kwakanaka Kwazvo (GFE) yakagadzirirwa kukurudzira vatengi kuchitoro chekutanga ndokuzoenzanisa mari kubva kune vatengi vakasiyana-siyana vasati vasarudza chikwereti . Chinangwa chayo chepakutanga ndechekubatsira vatengi kunzwisisa kuti zvipi zvavanogona kutenga - saka havasi ivo chete vanogona kugamuchira chikwata chechiderera zvakaderera uye zvakanakisisa asi vanogona kuchengetedza zvakanyanya pakuvhara mari zvakare. Iko Kutenda Kwakanaka Kunotarisirwa hakusi kushandiswa mukukwereta kwemari.
Yakave yakatsiviwa neMutengo Wakatarisana pasi peTIRID mirayiridzo.
Kune avo vanga vanoda kuongorora chinangwa chepakutanga nemashoko ekutenda kwakanaka kwekutenda, zvinotevera ndezve nzira dzisingashandiswi. Asi Hutori hweMari hunotungamirirwa neTrid hunotevera huwandu hwemashoko akafanana.
Vanokwereta vanowanzoburitswa nevanouraya zvemashoko pakugadziriswa kwekutengesa kwemaimba. HUD-1 (ikozvino inoshandiswa neshoko rekuvhara), chiito, chivimbiso chinyorwa , inshuwarisi yeimba yeimba , uye mamwe magwaro akawanda anofanira kusayinwa uye kuonekwa. Kakawanda, akakwereta ari kuona zvinyorwa izvi kwekutanga uye anokumbirwa kuvasainira pasina mukana wekuaverenga zvachose. Kutenda Kwakanaka Kutaridzika, ikozvino Mhanho Inotarisirwa, inopa vakwereta mukana wekudzorera zvimwe zvezvinhu izvi zvinotengeswa pavanenge vachiri kutenga chikwereti.
Chinangwa Chokutenda Kwakanaka Ongorora a / k / a Chikwereti Chinokosha
Kutenda Kwakanaka Kutaridzika, iyo ikozvino iko Kunotarirwa Kwemari, inobatsira vanokwereta kuti vasazobhadhara chikwereti uye vanoisa mutengo wekuda.
Kuvatengi vekumba , mari yekuvhara pasi inogona kureva kuunza imba yakakura mukati mebhajheji yavo yemazuva ano, vachideredza mari yavo yose yekubhadhara mari , kana kuti kungokwanisa kuunza mari shoma patafura yekuvhara. Cherechedza: mune dzimwe nguva, vatengesi vanogona kubvumirana kubhadhara zvose kana kuti zvimwe zvekuvhara kwevatengi .
Chii Chiri Kutenda Kwakanaka Kukoshesa Kwokukweretesa Kwechikwereti?
Muna 1974, Congress yakapararira Real Estate Settlement Procedures Act (RESPA) nechinangwa chekuchengetedza vatengi nekutsvaga kuziviswa kwezvinhu zvose zvinobatanidzwa nekutengesa zvivako uye / kana kutengesa chikwereti. Muna 1992, HUD yakapinda nhanho mberi nekubudisa Mutemo X, izvo zvaida kuti zvive pachena zvakajeka pamusoro peZvibvumirano zveBhizinesi Zvose zvinogona kuitika pakati pemapato anobatanidzwa nekutengesa zvivako. Iko Kutenda Kwakanaka Kushandurwazve kubudiswa munaJanuary muna 2010. Muna Gumiguru ra2015, Mutengo Wokukwereta wakava unoenda-kuzivisa.
Munguva yakapfuura, vateresi vakanga vapa avo vaizokwereta neZvakanaka Kutaridzirwa. Zvisinei, pane zvakasiyana zvikuru pakati pezvavakakweretwa kare kare uye izvo zvavakagamuchira neMutengo Wakaenzana. Pane zvishoma zvichishandurwa:
- Vatengesi vanodikanwa kubhadhara Mari Inotarisirwa mukati memazuva matatu. Kana munhu anotora chikwereti asingabhadhari Mari Inotarisirwa mukati memazuva matatu ebhizimisi paanogamuchira chikwereti chakakwana chekubhadhara chikwereti, uyo anokweretesa ari kuputsa. HUD inopa zvakananga izvo zvinoreva chikwereti chakakwana chekubhadhara chikwereti. Vatengesi vanodikanwa kubhadhara Mari Inotarisirwa mukati memazuva matatu ekutsvaga chikwereti kana mukati memazuva manomwe asati apera.
- Zita remukwereti
- Muridzi weMwedzi weKwereta
- Bwereti weNzvimbo Yekuchengetedza Nhamba Nhamba (kuwana gwaro rekwereti)
- Property Address
- Kukosha Kwekukosha kwePfuma
- Mari yechikwereti
- Chero Chero Chinhu Chese Chinonzi Lender Chinonzi Chinokosha
- Mari Inotarisirwa yakasimirirwa. Vose vanokweretesa vanofanira kupa vashandi nemashoko chaiwo. Mari yechikwereti, mari yechitatu yekambani, nezvimwe zvinodhaka zvinofanira kuenzaniswa zvakafanana. Pamberi pekare, vateresi vakanga vasina kufanana mukududzira kwavo kuti mari ipi inofanira kuiswa paKutenda Kwekutenda Kwakanaka uye apo mari yakadaro inofanira kubudiswa.
- Mari Inotarisirwa inokurudzira vatengi kutengesa. Sezvo vanokweretesa vachida kubhadhara Chikwereti Chakweretwa chakatarwa panguva yakatarwa, vatengi vanopiwa mukana wekuenzanisa vakweretesi nemiti yavo. Uyezve, HUD inotaura kuti kusati kwasunungurwa Mutengo Wokukwereta), vanokweretesa vanogona kungobhadhara avo vanogona kukwereta mari yekubhadhara mari yekupa chikwereti chekwereti. Iko mari yakaderera yemarikiti yemarikiti ($ 15 - $ 30) inokonzera kukwanisa kwevatengi kuenzanisa chikafu pakati pevazhinji vanokweretesa pasina mari shoma. Dzimwe nyanzvi dzinoratidza kuti vakweretesa vanoenzanisa zvikwereti uye mari yavanozobhadhara kuburikidza nekukumbira Kubhadharwa Kwechikwereti kubva kune vanokweretesa vatengi. Zvisinei, kuva nekodhadhi yekwereti yakakonzera kakawanda kwevhiki dzinoverengeka kunogona kuratidza kubhadhara mari yechikwereti iyo munhu akwereta ari kuramba achiramba uye chikwereti chikwereti chikwereti chingave chakakanganiswa. Kuti udzivise izvi, chengetedza chikwereti kutengesa kusvika mazuva gumi nemakumi matatu ekutanga chikwereti.
Vatengesi vanozvidavirira pamashoko avo. Chikamu chimwe nechimwe muKutenda Kwekutenda kwakanaka kunoshandiswa kuenzanirana nechikamu cheHUD-1. IHUD-1 yaiva gwaro rakarongeka rakarongedza mari yose inobatanidzwa muimba yepamusoro kana kugadzirisa kushandiswa uye yakapiwa kune akakwereta panguva yekuvhara. IHUD yakatsiviwa neShoko Rokuvhara, uye Kuzarura Kuzarura iko zvino kunoratidza kushivirira. Kune matambudziko matatu akasiyana-siyana:
- 0% Kushivirira
- 10% Kushivirira
- Kwete Kushivirira
Cherechedzai: KUTENDA KWAKANAKA KUTSIMA KWAKADZIDZWA NA LOAN ESTIMATE, KUTENDA NEZVANHU .
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.