Sei Kutendesa Kwekugadzirira Kubvuma Kutengesa Pfupi?
Kutengeswa kwenguva pfupi muimba yekutengesa haisi nguva dzose kutengesa kunofadza, asi kutengesa kwenguva pfupi kwakauya nenzira yakareba kubva muna 2006, saka usatengesa pfungwa yacho pfupi. Mari yedu yemazuva ano haina kureva kutengesa kwenguva pfupi kwaenda. Somuenzaniso, munhu akatenga musha musha waigona kufa musi wekuvhara, uye mari yekutengeswa nokukurumidza inogona kukanda mutero iwoyo mukutengesa pfupi.
Kune avo vave vari mumvura kwechinguva kana kuti vakarwa nechinangwa chechikwereti, iyo ndeye nyaya.
Kune nzira dzakawanda dzekurasikirwa neimba asi kuisa chibvumirano kumudzimai nenzira iyo inoparadza chikwereti, chinonyadzisa mhuri uye inobvisa muridzi wekuremekedza ndeimwe yematambudziko, uye ndizvo zvinotarisirwa kupa. Kune vimba vekumba vasingakwanisi kuchengetedza mari yekubhadhara mari ikozvino, kune dzimwe nzira dzekubhadhara kana kushandiswa kwekutengesa . Chimwe chezvinhu izvi chinoshandiswa chinonzi "kutengeswa pfupi."
Zvinopfuura hafu yekutengesa kwangu mu Sacramento kubva muna 2006 kusvika muna 2012 yakanga iri pfupi kutengesa. Ndiyo nzira yakakurumbira yekutengeserana kwekutengesa kwaive kwemakore akawanda. Nhasi, zvisinei, kwete. Mumakore achangobva kupfuura, kunyange vatengesi vasiri ivo vanotsvaga vangakwanisa kutengesa zvishomanana, izvo zvakazarura mimwe mikova shoma yekutengesa . Nhamba shoma inotengeswa inowanzopa chirongwa chekuvharidzirwa kwevatengesi.
Apo vanokweretesa vanobvumirana kuita zvishomanana kutengesa muimba , inoreva kuti chikwereti chiri kugamuchira zvishoma kudarika chikamu chakanaka chakanaka. Havasi vese vanokwereta vachabvuma kutengesa kutsva kana kutengesa zvishoma, kunyanya kana zvingaita kuti tive nemafungiro emari kuti tisati tamboona; uyezve, havasi vatengesi vose kana zvivako zvose vanofanirwa nekutsvaga kwekutengesa .
Kana uri kufunga kuchitenga kutengeswa pfupi , kunogona kunge kune zvipingamupinyi. Nokuda kwekudzivirira kwako, ndinoratidzira kuti vose vanogona kutsvaga kutengeswa pfupi, sekutanga matanho:
- Wana mazano emurairo kubva kumudzidzisi ane kambani yepamutemo
- Dana nhaurirano kuti ukurukure zvishomanana zvekutengesa mutero
Sezvo mutengesi weimba, ini handisi mvumo segweta kana CPA uye handigoni kupa mazano pamusoro pemigumisiro iyoyo.
Kunze kwemamwe mamiriro ezvinhu achitsvakirirwa neHodgage Forgiveness Debt Relief Act ya2007, zive kuti IRS inogona kutora chikwereti chekuregererwa semari, uye hapana chivimbo chokuti mukwereti anobvuma kutengeswa pfupi haazobvumirwe nemutemo kune akakwereta kuti ape mutsauko pakati pe mari inokweretwa uye mari yakabhadharwa. Mune dzimwe nyika, chikamu ichi chinozivikanwa sekushaikwa. Gweta rinokwanisa kuona kana chikwereti chako chinokodzera kuti uwane kutongwa kana kuti kuda.
Nzvimbo dzakawanda dzekutengesa kuCalifornia hazvirengezve mitero yemitero zvakare.
Kunyange zvazvo vose vakwereta vane zvakasiyana-siyana uye vangada kuti munhu akwereta ape zvinyorwa zvakasiyana-siyana, matanho anotevera achakupa pfungwa yakanaka yezvaunotarisira.
- Dana Call Lender
Iwe unogona kunge uchiita foni yefoni gumi nemaviri usati wawana munhu ane mhosva yekubata zvishomanana kutengesa. Iwe unoda kutaura ne "kutengeserana kwemahombekombe pfupi" kana kuti "kushanda kunze" dhipatimendi, uye edza kuwana zita rekukurukurirana. Mutengesi wako weimba yemugwagwa anogonawo kutora danho iri kwauri, mumamiriro akawanda. - Tumira tsamba yeGvumo
Vatengesi havakwanisi kuzivisa chero ruzivo rwemunhu wako pasina kubvumirwa kwakanyorwa kuti uite saizvozvo. Kana uri kushanda neyemagari edzimba, kuvhara mumiriri, wekambani yekambani kana gweta, iwe uchagamuchira kubatanidzwa kwakanaka kana iwe ukanyorera tsamba kune chikwereti kupa chikwereti chikwereti chekutaura neavo vanofarira mapoka pamusoro pemari yako. Tsamba yacho inofanira kusanganisira zvinotevera:- Property Address
- Nhamba yekufambisa chikwereti
- Zita Rako
- The Date uye Zvinobudirira Nguva Period
- Zita raMurume Wako uye Ruzivo Rwenhare
- Preliminary Net Sheet
Ichi chirevo chekuvhara inofungidzirwa chinoratidza mutengo wekutengesa unotarisira kugamuchira uye zvose zvinotengeswa kutengesa, zvikwereti zvisingabhadharwi zvezvikwereti, zvikwereti zvakakosha zvakakonzerwa nekubhadhara mari, kusanganisira zvivako zvemaimba . Mugadziri wako wekuvhara kana gweta anofanira kukwanisa kugadzirira izvi panzvimbo yako. Kana nheyo yepamusoro inoratidza mari kune mutengesi, nhau dzakanaka, iwe pachako haufaniri kutengeswa zvishoma. - Matambudziko Etsamba
Zvinosuruvara, zviri nani. Izvi zvinyorwa zvezvokwadi zvinotsanangura kuti wakawana sei mune zvekubhadhara kwemari uye unoteterera kumunhu anenge ari chikwereti kuti agamuchire kudarika chikwereti chakazara. Vatengesi havasi vanyengeri uye vanogona kunzwisisa kana iwe wakarasikirwa nebasa rako, wakapinda muchipatara kana kuti motokari yakamhanyira mhuri yako yese, asi vatengi havasi kunyanya tsitsi nemamiriro ezvinhu anosanganisira kusavimbika kana kuti kutadza.
- Uchapupu hweMari uye Nhaka
Zvakanakisisa kuva wechokwadi uye kutendeseka pamusoro pemari yako uye kubudisa zvinhu. Vatengesi vachada kuziva kana mune mari yekuchengetera mari, mabhizimusi emari, mabhizimisi kana zvibvumirano, zvigadziriswa zvinoshandiswa, mari kana dzimwe dzimba kana chero chinhu chinokosha. Vatengesi havasi mune bhizinesi rerudo uye kazhinji vanoda kuvimbiswa kuti akakwereta haagoni kubhadhara chero chikwereti icho chiri kukanganwira. Bhengi inodawo mazuva makumi matatu ekubhadhara mabhuku. - Kopi dzeBhishopu Zvikamu
Kana mabhizinesi enyu ebhenge asingaratidziki mari, mari yakawanda inodzinga kana nhamba isina kujairika yekuongorora, zvichida pfungwa yakanaka yekutsanangurira imwe neimwe yezvikamu izvo kune kune chikwereti. Mukuwedzera, uyo anokweretesa angada kuti iwe uzvidavirire pane imwe neimwe mari kuitira kuti inogona kugadzirisa kana mari yacho ichapfuurira. Kazhinji bhanki dzinoda yako miviri yekupedzisira. - Kuenzanisa Market Market Analysis
Dzimwe nguva mitengo inoderera uye hutsika hunowa. Kana ichi chiri chikamu chechikonzero chokuti iwe haugone kutengesa imba yako zvakakwana kubhadhara chikwereti, ichi chikonzero chinofanira kusimbiswa kune uyo anokweretesa kuburikidza neenzanisi yekuongorora mari (CMA). Mutengesi wako weimba yako anogona kugadzirira CMA kwauri, iyo icharatidza matengo emisha yakafanana:- Kushanda pamusika
- Ichimirira kutengesa
- Inoendesa kubva kune yakapfuura mwedzi mitanhatu.
- Purchase Agreement uye Listing Agreement
Kana ukaita chibvumirano chekutengesa nemunhu anotengesa, uyo anokweretesa achada kopi yemupiro, pamwe chete nekopi yekubvumirana kwako. Iva wakagadzirira kune chikwereti kuti upiwezve mari uye urege kubhadhara zvimwe zvinhu zvakadai sezvirongwa zvekuchengetedza kumusha kana kuongororwa kwenguva refu.
Iye zvino, kana zvinhu zvose zvichifamba zvakanaka, uyo anokweretesa achabvumira kutengeswa kwako kwekanguva. Sechikamu chekutaurirana, unogona kukumbira kuti uyo anokweretesa arege kuzivisa chikwereti chisina kunaka kune masangano ekubika zvikwereti, asi ona kuti uyo anenge ari chikwereti haasi pasi pebasa rake rekugamuchira chikumbiro ichi. Chikwereti chekodzero yemamiriro ezvinhu haigoni kutaurirana.
Verenga zvakawanda pamusoro pekuti Usati watenga Senguva Pfupi .
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.