Nzira Yokufanirwa Nayo Kutengesa Pfupi

Kutsvaga Kutengesa Kudiwa Kudiwa

Nguva shoma inotengeswa inotsvaira mutsara, asi kwete mutengesi wese anozvigadzirira. Vamwe vatengesi vanosarudza kuti musha wavo haufaniri kutengesa pamutengo wavakanga vafungidzira kuti kazhinji vanotanga kushamisika kana vachifanira kutengesa zvishoma . Kutengeswa kwenguva pfupi hakusi kugadzirisa matambudziko nguva dzose, asi zvinonyatsokwanisa kugadzira zvinetso. Pfupi kutengesa haisiwo nguva dzose "nyasha dzinoponesa" vamwe vatengesi vekuda vanoda kutenda.

Chii chakatengeswa pfupi?

Kutengesa kutsva kunowanikwa apo uyo anokweretesa anenge asina kupedzerwa pane chikwereti, zvinoreva kuti chikwereti chinogamuchira zvishoma kudarika chikamu chaicho chakakodzera.

Kana chikwereti chako chiri $ 100,000, asi imba yako inokosha, ichiti, $ 90,000, iwe uri $ 10,000 zvishoma, kwete kusanganisira mari yekuvhara kutengesa zvakadai sedzimba dzemahofisi , marekodhi ekurekodha kana kuti musoro uye kupiwa mhosva. Zvinokwanisika kuva nekutengesa pfupi kana iwe wekutengesa chikwereti ichienderana nemutengo wekutengesa nokuti kune vachiri kupedzisa mari iyo inokanda kutengesa ku "nharaunda".

Dzimwe nguva, kuti usapinda kuburikidza nemari yekutengesa, munhu anokweretesa acharambidza kutengesa kutsva kuburikidza mutengi kutenga imba yacho zvishoma kudarika chikwereti chekubhadhara mari iyo imba inenge isati yasvika. Chimwe chikonzero chekutanga-chekutanga ndechimwe chezvikamu zvitatu zve foreclosures .

Heano zviyero zvinotevera zvekutengeswa pfupi:

• Mutengesi anonyora chikwangwani chechirongwa nemujeri weimba yekutengesa kunotengeswa sekutengeswa pfupi neyechitatu (bhangi) kugamuchirwa.
• Muongorori anowana mutengi anoita chikwata chinoenderana nemari yemari, iyo inowanzova pasi pehuwandu hwekutengesa.

• Mutengesi anogamuchira mutengo wokutenga mutengi .
• Mutengesi wemutengesi anobvuma mutengo wokutenga mutengi .
• Mutengesi unovhara apo mutengi anopa mari, mutengi anounza bhokisi, uye mutengesi anopa chiito.

Munyika inotyisa, munhu wose anorarama achifara nguva dzose. Kunze kwekutengesa. Pane zviitiko.

Zvigadziriswa zveShamba Zvishoma

Iwe usati washingaira kukwira muchikwata chiduku chekutengesa, funga izvi zvinotevera kuti uone kana iwe ungakodzerwa nekutengesa kutsva. Kana iwe usingakwanisi kupindura hongu kune zvose zvinodiwa, iwe ungasafanirwa nekutengeswa pfupi.

• Iko Iko Iko Iko Iko Katura Yakaderedzwa.

  Kutengesa zvakaoma zvakaoma kunofanira kusimbisa kuti imba inokosha kudarika chikwereti chisina kubhadharwa pamusana pemutengi. Iko kubhadhara kusina kubhadhara kunogona kusanganisira chirango chekubhadhara .

• The Mortgage iri mukati kana Pedyo Dzakashata Hali.

  Zvaiwanzoita kuti vatengi vaisazofunga nezvekutengesa kutsva kana zvikwereti zvaive zviripo, asi izvo zvisiri zvakare. Achiziva kuti zvimwe zvikonzero zvinokonzera kusakanganisika, vazhinji vanokweretesa vanoda kutsvaga matambudziko emangwana paya. Hazvisi nguva dzose kuti zvive zvakakwana kuti zvive zvisina kukwana.

• Mutengesi Wakawira Panguva Dzakaoma.

  Mutengesi anofanira kutumira tsamba yezvinetso zvinotsanangura kuti sei mutengesi asingakwanisi kuripa mutsauko wekutengeserana, kusanganisira kuti nei mutengesi ane kana kuti acharega kuita mari yepamwedzi.

  Mienzaniso mishomanana iyo HAI inoumba dambudziko ndeyi:

  1. Zvakaipa kutenga zvisarudzo. Kuvhura mubhadharo wako paimba yemitambo yepakombiyuta nenzwi rakapoteredza hazvikwanisi sekutambudzika.
  2. Usingafari nevavakidzani. Kunyangwe kana imba yose iri mubhokisi rako yakashandurwa kuva mubhuku kukura dzimba, izvo hazvingafananidzi sekuoma.
  3. Kutenga imwe imba. Uyo anokweretesa haazofungi kana iwe wakasarudza kuti imba yacho haisakodzeri iwe kana mhuri yako uye, chaizvoizvo, kana wakatenga imwe imba, iwe haugoni kukodzera zvachose kutengeswa pfupi.
  4. Kuberekwa. Kuwedzera ukuru hwemhuri yako kana kutanga mhuri hakukokwe sekutambudzika.
  5. Kufamba muimba. Kana ukasarudza kubva kunze kwemba yako, ihwohwo chisarudzo chekuita mararamiro uye haisi chikonzero chakanaka chekusiya imba yako.
  Mienzaniso yekutambudzika ndeyi:
  1. Kubasa
  2. Kurambana
  3. Chirwere chekukurumidzira / kurwara kamwe kamwe
  4. Kushungurudza
  5. Rufu

• Mutengesi Haana Nhaka

  Uyo anokweretesa angangoda kuwona kopi yemutengesi wemitero inodzoka uye / kana mutemo wemari. Kana uyo anokweretesa akawana zvinhu, uyo anokweretesa angasaita kutengeswa pfupi nokuti mupepeti achaona kuti mutengesi anogona kubhadhara chikamu chiduku. Vatengesi vane mari vangangodaro vachipiwa kutengeswa pfupi asi vangave vachida kubhadhara kukanganisa.

  Semuenzaniso, kana mutengesi ane mari munhoroondo yekuchengetedza , ane dzimwe dzimba, mashizha, zvisungo kana kunyange maIRA account, uyo anokweretesa angangodaro aona kuti mutengesi ane zvinhu. Zvisinei, uyo anokweretesa angatora mari iyo mutengesi inotarisirwa kubhadhara.

  Nhengo dzakawanda dzinobhadhara kubva kuchitengesa zvishoma, asi hapana mutengesi shoma rekutengesa zvishoma .

Kutsvaga Pfupi Migumisiro

Kutengesa kutsva kunobva kune mutengi achiita chipo chokutenga.

Kana iwe usingagamuchiri chikwata, iwe haugoni kukwanisa kutengeswa pfupi. Saka kana iwe ukasangana nedzimwe nzira, zvinotoneka kuti hapana munhu achatenga kutengesa kutsva . Inotarirwawo kune uyo anokweretesa achibvuma chipo chemutengesi. Kana iyo chikwereti ichiramba chipo , kutengeswa pfupi hakuzoitiki.

• Mitezo yeMitero

  Kana uyo anokweretesa achibvumirana nokutengeswa pfupi, uyo anokweretesa angave ane kodzero yekukubvisa iwe 1099 nokuda kwechidimbu chiduku, nekuda kwekugoverwa mu IRS code pamusoro pekukanganwira chikwereti. Mamiriro ezvinhu mazhinji haabhadharwi chikwereti kukanganwirwa, maererano neMutemo we Mortgage Forgiveness Debt Relief Act ya2007.

  Iwe unofanirwa kutaura neyemugweta wepamberi yepamusoro uye muteresi wenyika kuti uone kuwanda kwemitengo yenguva pfupi yokutengesa , uye iwe unokwanisa kubhadhara mitero iyo kana iripo.

• Blemished Credit Report

  Kunyange zvazvo kutengeswa kwepfupi kusingaoneki pamushumo wekwereti yako, nzvimbo yezvikwereti ichaita. Kune avo vasiripo, ndeyekutanga kusati kwave kwakadzikinurwa, iyo inowanzonzi seNokubhadharwa Zvakakwana Zvisina Kupindirana . Nguva shoma yekutengesa inokanganisa chikwereti kukohwa Kunyange zvazvo kukanganisa kwehupoti yako yechikwereti kungave kusingaoneki sekunaka kwakaipa sekufananidzira kwako, vateresi havagoni kuisa mutsauko.

Sezvo ataura zvose izvi, pane nguva dzose zvisiri zvekufanirwa kutengeswa zvishomanana. Kune dzimwe mhando dzekutengesa kwenguva pfupi, zvichienderana nemirairo yevatengesi, iyo isina unyanzvi chero ipi zvayo.

Nguva dzose tsvaka mazano emutemo usati waedza kutsvaka kushambadzira pfupi. Nhengo yeimba yemuzinda haigone kukupa mazano epamutemo.

_{Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.}