Kuvhara Apo Kuongorora Kunouya Muzasi
Iwe unonetseka nezvekuwana kuongorora kwakaderera here kana kuti kuongorora kwako kwave kwagadzirwa kare pane kukosha kudarika zvaunotarisira? Tine urombo kuti izvi zvakaitika kwauri. Mumisika yevatengesi, kazhinji kupa mamiriro ezvinhu kunowanzoendesa mberi mutengo wekutenga wakakwirira kudarika chero kutengesa kwakafanana munzvimbo yacho; ndicho chikonzero mune izvozvi vatengi vatengesi vanonetseka kuti zviongorori zvichauya zvakaderera. Misika yemutengesi , kana matengo ari nyore kana kuwira, vatengesi vanonetsekawo kuti kuongororwa kuchava kuongorora kwakaderera.
Kuongorora kwakadzika kunogona kuitika mune imwe nzvimbo yemusika, kunyange zvakadaro: inotonhora, inotonhora kana kusatsigira .
Sei Kuongorora Kunoitika Kunoitika?
Sangano reNational Association of Realtors rinoshuma mumwedzi wayo REALTOR Confidence Index Survey yekutengeswa pakati peNovember 2016 neJanuary 2017, 22% yevaya vakapindura vakatarisana nehurongwa hwekuongorora. MuNAR Survey of Mortgage Originators, 55% yevakapindura panguva iyoyo vakarondedzera nyaya dzekuongorora.
Pane zvikonzero zvekuti nei dzimba dzisingaratidzi pamutengo wekutengesa uye zviongorori zvinouya muzasi. Heano zvishoma:
- Izvo zvinokonzerwa nezvikwereti zvinokonzerwa nekuwanda kwezvipo .
- Kurambidza misika yemari pamusana pevashoma vanotenga kutenga pakati pekutsvaga kwemisha yemisha.
- Kudonha kubva kuhuwandu hwekufambisa kana kutengesa kwenguva pfupi munharaunda, kunyanya kana pasina zvimwe zvekutengesa zvakafanana zviripo.
- Zvakashata kuongororwa nemunyori pasi .
- Kudzvanyiriridza nemutengesi.
- Inexperienced appraiser uyo asinganzwisisi nharaunda dzenharaunda pamusoro pekukosha.
- Kukwidza mushizha maitiro nekuda kwekugadzirisa zvinyorwa uye zvishoma zvinyorwa.
- Appraiser inotarirwa kushandiswa kwekutengeswa kwemashoko, iyo inogona kuratidza kutengesa kwepamusoro kutengesa kana yakavharwa, kana kuti mudzidzi wechirangaridzo akasarudzwa kutengesa zvakafanana kubva munzvimbo dzisina kunaka.
- Mutengi anogamuchira mari kubva kumutengesi, zvichiita kuti chikwereti chitende kuti mutengo wave wakabatwa.
Chimwe chikonzero chisingatongopindiki ndechokuti uyo anokweretesa anoda kutora chikwereti. Vatengesi vanoda kukwereta mari, uye vanokweretesa vanorambidzwa kuburitsa .
Zvigadziriswa zveZvitsa Zvishoma
Usavhunduka kana kuongorora kuchiuya muzasi. Zvakaoma kuti urambe wakadzikama kana zvichiita kutengeswa kwakamirira kuchaparara, asi mapato maviri ane zvasarudzo:
- Mutengi anogona kugadzira musiyano mumari.
Iko chikwereti chinofunga nezvekuongororwa chete kusvika pamwero iwoyo unobata chikwereti-ku-value chiyero . Kuongorora kwakaderera hakurevi kuti muridzi wemari haazokweretesi. Icho chinoreva kuti chikwereti chichaita chikwereti chinoenderana nechiyero chakabvumiranwa muchibvumirano pane kukosha kwekuverengwa. Dzimwe nguva mutengi wemutengesi haazobvumi kuti mutengi apiwe mari yekusiyana uye, pane izvozvo, mutengi anofanira kutora pane zvimwe zvekutengesa kwekutengesa.
- Mutengesi anogona kuderedza mutengo.
Kana imba yacho ichinge ichipfekedzwa kana kukosha kwaive kwakagadziriswa, kazhinji iyi ndiyo mhinduro yakanakisisa. Inoita kuti mutengi afare uye uyo anokweretesa anogutsikana. Hapana chivimbo chokuti kana mutengi achifamba, mutengesi haazogamuchiri kuongorora kwakaderera kubva kune chikwereti chechipiri chemutengesi, asingatauri nguva uye dambudziko rinoda kutengesa imba zvakare. Dzimwe nguva shiri iri muruoko ndeyekanaka.
- Mutengesi anokwanisa kupa kuti atore chikamu chechipiri chekubhadhara chikamu.
Kana mutengi achinyatsoda imba asi asingakwanisi kuuya nemusiyano mumari, kuita zvikwereti kana kubhadhara chikwereti pane rimwe zuva gare gare kumutengesi ndicho chisarudzo. Mushure mokunge kuvhara kwavhara, vatengesi vanowanzochengetedza kodzero yekuderedza chikwereti chechipiri chekutenga chikwereti , kutengesa icho pasi pekutarisana kwechiso kumunhu anodyara.
- Raira rwechipiri kuongorora.
Chokutanga, kana chikwereti chako chiri chikwereti cheFHA, kumbira muridzi wekwereti kune runyora rwevadzidzi vanobvumirwa. Chero mutengesi kana mutengi anogona kubhadhara kwechipiri chekuongorora. Dzimwe nguva kuongorora kwechipiri kuchauya kune vakakwirira kudarika yekutanga, kunyanya kana muchengeti wekutanga akanga asina ruzivo kana kuti akaita mhosho.
Kana chikwereti chako chiri chikwereti chenguva dzose , zvino inoteerera mitemo yeIndaneti Valuation Code of Conduct (HVCC). Barb Torres, anonyora maitiro ekuremekedza anoti, "Pakarepo apo mapato anowana muongorori ari kuuya asingazivikanwi nemusika wekumisika, vane kodzero yekukurukurirana kune chikwereti (kunyanya mukunyora) kuti KUDZIDZIDZIDZWA mudzidzisi wekushandisa . "
- Vhengai urongwa hwekutengesa kwakafanana .
Bvunza vashandi vanobatanidzwa kuti vaise pamwe chete nhamba yekutengeserana kwakafanana kwekutsvaga iyo inofanirwa kubvumirana-kutengesa mutengo. Tumira tsamba iyo kune munyori wecherechedzi uye ukumbire kuongororwa kwekuongorora. Edza kushandisa makomiti pedyo neimba yepamusoro pane zvakashandiswa neappraiser.
- Uyewo, bvunzai vamiririri kuti vatane mazita avo vari kurongedza kutengesa kuedza kutsvaga chaiyo yekutengesa mutengo wezvinhu izvozvo. Vanyoresa mazita havakwanisi kuzivisa mutengo wekutengesa, asi vazhinji vanofara kubatsira kunze nokuti vanogona kuzviwana vari mumamiriro ezvinhu akafanana. Iwe unogona kugara uchibvunza kana sarudzo inofunga kuti mutengo wako uchaongororwa kana mujeri anoramba kubvisa mutengo wakamirira.
Kuwirirana pane kukosha. Dzimwe nguva vatengesi vachadzoka zvishomanana kune mutengi achibhadhara musiyano wose uye achagara pane imwe nzvimbo pakati pemari yakazara yemari uye nekuderedza zvakakwana mutengo. Nezvekusiyana kwekuti, $ 10 000, mutengesi angabvumirana kubvuma $ 5,000 mumari uye kuderedza mutengo ne $ 5,000.
- Kumbira mutengesi kuti abhadhara kuongororwa kwokuzvimirira. Kana mutengi ari kuisa pasi 20%, somuenzaniso, mutengi angashandura kune 10% pasi purogiramu yekwereti uye anoshandisa mari iyo ichangobva kubudiswa-up kuti inyorerwe mari yepamusoro yekubhadhara kune mutengesi.
- Cancel mutengesi.
Vakawanda vanotenga zvibvumirano zvine chiitiko chekukwereta . Kana kuongorora kuchiuya kwakadzika, mutengi haakwanisi kutenga chivako pamvumo inobvumirana muchibvumirano. Izvo zvikwereti zvakanyorwa zvakanyorerwa zvinokonesa mutengi kubvisa kontrakiti uye inoda kuti mutengesi asunungure muchengeti wemari mari yakasimba.
Saizvozvowo, mutengesi anogona kutengesa zvimwe nekuisa imba kumba kumusika uye kutsvaga mutengi mutsva. Chero bedzi kuongorora kwepasi kwakanga kusiri FHA, kuongorora kutsva kunogona kunge kwakasiyana zvikuru. FHA kuongororwa inopiwa nhamba yenyaya kuitira kuti kana mutengi wokutanga ari FHA uye mutengi wechipiri aive FHA, kuongorora kumwechete kwaizoshandiswa.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.