Mubvunzo: Ko Iko Kumbani Kwenzira Yekuzvibata Kunobatsira Kuongororwa Kwemusha Wangu Here?
Muverengi anobvunza kuti: "Ini ndakanyonganiswa zvachose ndakanzwa kuti mimwe mitemo mitsva inowanikwa kuongororwa, asi izvo zvandinowana paIndaneti ndiboka revanhu vane chikwereti vanonyunyuta pamusoro pazvo. Ndiri kuisa imba yangu kutengesa vhiki inotevera. Ko Iko Kumbani Kwenzira Yekuzvibata ichakanganisa kuongorora kweimba yangu? "
Mhinduro: Hausi wega mukuvhiringidzika kwako pamusoro peongororo. Pamusoro penzvimbo, iyo Valuation Home Code of Conduct, inozivikanwa seHVCC, inoita semafungiro akanaka. Iko kuongororwa kuongororwa kwenzira inobata vadzidzisi vakawanda veimba. Zvimwe, zvinogona kuguma nekuongorora kwepasi pamba pako.
Vakuru veNew York State Attorney General Andrew Cuomo muna 2007 vakapa mhosva yeAAppraisalIT nemubereki wavo, First American, kuti vashandire kuWashington Mutual, iyo inonzi yakamanikidza vaongorori kuti vaende kune izvo zvinonzi mazano ezvakawanda.
Somugumisiro wemhosva, Fannie Mae naFreddie Mac, ndivo vanotenga zvikwereti zvekubhadhara mari muimba yeUnited States, vakasarudzwa kuti vagamuchire Home Valuation Code of Conduct. Vose vanokweretesa vanokweretesa vanotengesa mari kune Fannie Mae kana Freddie Mac vanofanira kunyanya kutevera Home Valuation Code of Conduct. Iyo inobata zvikwereti zveFHA kubva munaFebruary 15, 2010 uye mberi, uye iyo purogiramu pachayo inoramba ichivandudzwa.
Chii chinonzi Home Valuation Code of Conduct?
Mitemo yeHVCC inoti mabhizimusi ega ega uye vatengesi vanotengesa vanotengesa zvikwereti zvikwereti mumusika wechipiri kuna Fannie Mae naFreddie Mac havagoni kusarudza vadzidzisi vavo zvakare. Vanofanira kutendera kambani yekuongororonga ikambani inodzura mudzidzi wepamusoro kubva mudziva revadzidzisi kuti vaone kuongorora.
Mitemo yeHVCC inofanirwa kurega kuwirirana pakati pezvikwereti zvezvikoro uye vanoongorora. Zvisinei, zvinoreva zvakanaka, Home Valuation Code of Conduct, maererano nevakawanda vepanhau mune bhizinesi redzimba, rakadzokorora.
Mukuedza kukanganisa mararamiro emhuri, izvo zvaive chikamu chiduku chekambani yekuongorora, HVCC yakatanga kukonzera mhirizhonga, maererano nevatsoropodzi, uye yakavhiringidza kuongororwa kwakaitwa kwevakawanda vanowanzobhadhara. Zviri nani nhasi.
Chii Chakaipa Neimba Yedu Valuation Code of Conduct?
Ndinogona kukuudza izvo zvinoitika mumusika weS sacramento, wandinonyatsovimba nawo wakanyatsopindira mune imwe mimwe yemisika yemugove yemunyika.
- Kunze kweZvane Vaongorori Vanoita Kuongorora.
Sacramento yangu vatengi vakabhadhara muchengeti kubva kuStockton, guta rine maminitsi makumi mashanu kubva kuSadramento, kuti aite chiitiko muguta umo muverengi haararami kana kushanda. Imwe nzvimbo yakarongedzwa neappraiser kubva kuLas Vegas, Nevada. Kana an appraiser ane mvumo yekushanda munzvimbo, vanogona kushanda munzvimbo iyoyo, kunyange vasina ruzivo.
- Kuongorora Nechiitiko Chakanyanya Kuita Kuongorora.
Nokuti vaongorori vanosarudzwa kubva pane imwe dzimba yevadzidzi vose vane mvumo, munhu akakwereta anogona kuguma nemushure mutsva. MuCalifornia, mumwe mudzidzi anogona kuwana chikwata chekugara kuti aone imba imwe chete yemhuri inokwana madhora 1 $. Zvinotarisirwa maawa makumi matanhatu ekudzidzisa uye maawa 2 000 mubasa mukati memwedzi gumi nemaviri, maererano neCalifornia Office of Real Estate Appraisers.
- Zviitiko zveVadzidzi vanobuda kunze kwebhizimisi.
Chinhu pamusoro pevadzidzisi vezviitiko ndezvekuti vangave vari mukati memisha mumunharaunda kwavanokumbirwa kuverenga. Vanoziva kuti sei imba kune rumwe rutivi rwemuganhu wepanyama inogona kuva nepamusoro yemarike kupfuura imba kune rumwe rutivi. Vanoverenga kudzokorora bhizinesi. Apo iyo nzvimbo yebhizimisi inomesa, havana basa uye unyanzvi hwavo hahubatsiri.
- Kutengeserana Kunogona Kuwira Apart Apo Kuongororwa Zvakaipa Kwakanyanya Kuderera.
Vaongorori avo vasingazivi nharaunda kana kuti vasina ruzivo rwakawanda vanowanzoita kuti vaongorore maitiro. Apo kuongororwa kunouya mune zvishoma kudhura kwekutengesa, vatengesi vakawanda vanoramba kutaurirana uye vatengi havadi kuumba musiyano. Saka kutengesa kwakamirira kunopera. Mutengesi anorasikirwa nomutengi, uye mutengi anorasikirwa nemusha . Kune dzimwe nzira dzekutarisana nehuwandu hwekuongorora, asi kuregererwa kwekutengeserana kwakajairika.
- Mutengi Anopa Nyika Kuwedzera Kwakawanda Kwekuongorora.
Hapana kana kudya kwemasikati. Nokuti kambani yekuongorora yekuongorora iyo inosarudza vaverengi inofanira kubhadharwa, vatengi vanotakura mari. Chikamu chemari yekuongororwa inoenda kune kambani yekuongorora yekuongorora, pamwe nemari yekuenda kumudzidzi. Mumwe munhu anofanira kubhadhara mari yekambani yekuongorora yekuongorora. Vasingatauri, vanoongorora vanoita mari shoma saka kune vashomanana vanoongorora vanosimba mubhizinesi.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.