Iwe unogona kunge uchinzwa shoko rinokurudzira kakawanda panguva yekutenga kwako kutengesa, uye izwi rinogona kuvhiringidza nokuti rinoshandiswa kurondedzera zviitiko zvakasiyana zvinoitika zvisati zvaitika uye shure kwekugara kwemaimba, zuva rekuvhara apo pfuma yava yako .
Ngatitarisei tsanangudzo yekutora nguva uye nzira dzakasiyana-siyana dzinoshandiswa paunenge uchitenga kutengesa.
Escrow: Zvinyorwa kana chimwe chimwe chinhu chekukosha, kazhinji mari, inobatwa nechechi yezvematongerwe enyika kuitira kuti ishandiswe pane imwe zuva raizozadzikisa kusungirwa.
Escrow Panguva Yokutenga Kwekushandisa
Earnest Money Deposits
Kana uri kutenga imba, kutarisa kwako kwokutanga kukuendesa kwacho kungave kwakabatanidzwa nehandiro yemari mari iyo yakaperekedza chipo chako kutenga imba. Iyo mari inogona kunge yakapinda mubhuku rekuvimbika kune mumwe munhu, iyo icharamba ichienda mberi , inodzivirirwa neyechitatu yezvematongerwe enyika kusvikira yakanzi iwe iwe kana mutengesi uvhara (kana kuti wakapararira mune dzimwe nzira kana mutengesi usingakwanisi kuvhara).
Escrow Agent
Iwe uchanzwa izwi rinokurudzirwa rinoshandiswa kurondedzera kambani yepamusoro, gweta kana mumwe munhu anoshandira kuti agadzire kupedza kwako kwekuvhara. Munhu iyeye anowanzonzi muchengeti wekutengesa nokuti anochengetedza zvinyorwa zvose uye mari dzine chokuita nekutengesa kusvikira zuva rokuvhara.
Lender Escrow Accounts
Izwi rinoshandiswa rinoshandiswazve zvakare kutsanangura maakarenda ako chikwereti chako chinogadzirisa kuitira kuti iwe ubhadhara imba yako inshuwarisi nemitero yemitambo apo inenge yakakodzera. Yeuka mavambo PITI? Iwe wakavaona apo uyo anokweretesa akaverenga kuti iwe unorayirwa kubhadhara mwedzi uno. Tsamba idzodzo dzinomiririra zvikamu zvebhadharo rimwe nerimwe:
Mitero uye mishonga yemishuwarenzi inowanzoendeswa zvakananga kune chikwereti chako. Zvose zvezvikwereti zvinobhadharwa gore negore, asi vazhinji vanokweretesa vanoda kuti iwe ubhadhara 1/12 yemutemo wegore negore. Iko chikwereti chinotora chikwereti chikamu mune imwe nhamba yekusimbirira, kwavanozounganidza kusvikira yava nguva yekubhadhara mitero yako uye inshuwarisi gore rinotevera.
Iwe uchatanga kubhadhara mari yako yekukwereta nekuita mubhadharo mavari pakuvhara.
- P , Principal
- Ini , Inofarira
- T , Mitero
- I , Inishuwarenzi
RESPA Nhungamiro yeEcrow Accounts
Iko Real Estate Settlement Procedures Act (RESPA) inosanganisira mitemo iyo vateresi vose vanofanira kutevera kana mari yekuchengetedza uye kugadzirisa mabheji ako ekutora.
RESPA haiti kuti vateresi varambe vachiita nhamba yekutengesa nevakweretesa vavo - vateresi vanoita chisarudzo ichocho. Mitemo inotarisa huwandu huwandu hwekuti chikwereti chinogona kutora chikwereti kuchengetedza munyaya yekuendesa.
Escrow Account Cushions
Vatengesi vanogona kuda kuti vakwereti varambe vakachengetedza, kana kuwedzera, muyero muzvikwereti zvavo zvekuchera kuitira kuti vawedzere kuwedzera kusatarisirwa kwegore rakatevera mutero uye mishonga yemishuwarenzi.
Mushonga haugone kuva anopfuura imwechete yechitanhatu chemari yose yakabhadharwa kubva mubhuku gore negore. Izvozvo zvinowanzoenderana nemwedzi miviri yekubhadhara.
Vatengi vazhinji vanoda zvino kuti vanokwereta vanobhadhara mari dzavo dzekutengesa kusvika pamari yakawanda.
Ko vateresi vanofanira kubhadhara chikwereti pamari inobatwa mumakero ekukwira here? RESPA haiti kuti vateresi vabhadhara chikwereti asi vamwe vanoti vanoita.
Ko kana mukweretesi wangu asingabhadhari mitero yangu nenguva? Uyo anokweretesa anofanira kubhadhara mitero yako panguva iyo yako yekubhadhara chikwereti yakabhadharwa panguva. Uyo anokweretesa anofanira kubhadhara chero zvikwereti zvaunofanirwa kwauri nokuda kwekubhadhara kwekupedzisira. Kana iyo chikwereti ichiramba, iwe unogona kutumira kunyunyuta kuri RESPA.
Chii chandinofanira kuita kana mukweretesi wangu asingabhadhari inshuwarisi yangu yehutachiona uye mutemo wacho wakabviswa? Vatengesi vanodikanwa kuti vaite zvekubhadhara nenguva iyo yenyu yekubhadhara chikwereti chaive panguva. Taura neunokupa chikwereti pakarepo uye fax kopi yeinishuwarensi, kuve nechokwadi kuti inotumirwa kumatare akakodzera. Taura neye gweta kana iwe ukanganisa zvinokonzera kukwereta kwekukwereta.
Vamwe vanhu vanosarudza kubhadhara mubayiro wakatarwa wepakutanga kuti vaone kuti kubhadhara kwavo hakugadziriswi, zvino taurai nemutengi kuti mudzoke.
Ko kana mukweretesi wangu achindida kuti ndirambe ndiine mari yakawandisa mukutengesa? Kumbira murikwereti wako kuti awane tsananguro kana zvinoda kuti iwe uchengetedze gorosi rakakosha rakaenzana nemadhora ekuwedzera 1 / 6th ataurwa pamusoro apa. Kana mhinduro yavo kwauri isingagutsikane, faira kunyunyuta neHUD.