Kutora Mutero Weumwe Kuita Sense Kune Vamwe Vatengi Veimba
Kufambira mberi, kunyange zvakadaro, chikwereti chekubhadhara chikwereti chiri kuwana nzvimbo munzvimbo yemisika yematengesi. Haasi yevashandi vose veimba, uye haafanire zvinangwa zvevatengesi vese. Asi mune zvimwe zviitiko, kubvuma chikwereti kunogona kuva sarudzo yakanakisisa kune mapoka ose ane hanya, kupa, zvechokwadi, kuti uyo anenge aripo chikwereti achabvumira kubvuma kwechikwereti.
Icho pachako ndiyo mharayi.
Chikonzero nei vamwe vanotenga kunosarudza mvumo mitsva pamusoro pemari yekubhadhara mari
- Zvakawanda zvakaenzana
Chikamu chechikonzero nei zvikwereti zvekubhadhara zvikwereti zvisina kushandiswa mukati mekupera kwema1980 uye kutanga kwema1991 ndechokuti panguva yemakore ekuzorora, vatengesi vaiva nemari yakawanda uye vatengi vakanga vasina mari yakawanda yekugadzirisa musiyano pakati pekwereti nekutengesa mutengo . Vazhinji vatengesi vakanga vasingadi kuita muridzi wemari .
- Low interest interest
Chimwe chikonzero chikonzero chekuti zvikwereti zvinokweretwa zvakawira munzira yemaakumi emakore ndezvokuti vatengi kazhinji vanogona kuwana rubatsiro rwepasi kuburikidza nokutora chikwereti chitsva kunze kwekutora chikwereti chiripo. Icho chakaita kuti tisava nepfungwa shoma yekutarisira chikwereti chezana kubva muzana apo bhangi iri mumugwagwa yakapa 5 muzana.
- Alienation clauses
Chikonzero chikuru chavatengesi vashomanana vakatevedzera zvikwereti kubva kumwaka wa1991 kusvika muna 2009 ndechokuti inenge yese yekutenga chikwereti chaiva nekuparadzanisa chikamu . Kuparadzaniswa kwechipiri mubhadharo yakapa bhangi kodzero yekufambisa mberi , kureva kuda kukurumidza kubhadhara zvakakwana, kana chiitiko chekutsvaga zita.
Tisati Tifunga Kubhadhara Mutero Wekwereti
Mamiriro ekunze anofanirwa kuve akakodzera kubhadhara chikwereti chekwereti. Iko kune zvidimbu zvitatu zvezvikwereti zvinobvumira kufungidzira s: FHA zvikwereti uye VA zvikwereti nemari chikwereti chikwereti. Zvimwe zvikwereti zvinowanzochemera kubhadhara zvakakwana muitiko iyo imba inotengeswa kune mumwe mutengi. Dzimwe nguva, vatengi vanotora musoro vachizviisa pasi uye havafungi chikwereti. Kutenga nyaya yeimba kunogona kuva nengozi. Usati waongorora kubvuma kwechikwereti:
- Enzanisa nhauriro yemari
Kana zvikwereti zvinodarika zvakanyanya kudarika chikwereti chiripo chechikwereti , zvinogona kuita kuti upfumi huve nehutano kutora chikwereti chaivepo pachikwereti chinoderera. Kusiyana kwekubhadhara kwemwedzi kune $ 200,000 pa5 muzana kusvika 7% kune $ 257 pamwedzi. Kwemakore mashanu, iyo inosvika $ 15,420.
- Enzanisa zvikwereti zvemari
Nokuda kwehurumende TRID zvinokodzera , vateresi vanotarisirwa kupa vakwereta kukosha kwekuvhara mari, inonzi chikwereti chekukwereta. Kuongororwa kwechikwereti kunotsanangura zvose zvinokonzerwa nekuwana chikwereti . Kazhinji, vatengi vanobhadhara zvakawanda muhomwe dzezvikwereti kuti vawane chikwereti chitsva pane zvinodiwa kutora chikwereti chiripo. Misiyano yacho inogona kuva zviuru zvemadhora emadhora kana kupfuura. Kumbira bhengi kukupa chirevo chine chikwereti chekubhadhara mari.
- Iva nemashoko ekubatsirwa uye kopi yekubhadhara mari
Usati watora shoko revatengesi uye ukashandisa mari pamubvunzurudzo pamusha , tora kopi yemashoko ekuwana mukana kuti uone kubhadharwa kwekubhadhara chikwereti uye kana chikwereti icho chaicho chinogoneka. Mumashambaji edzimba dzemaimba, mutsauko pakati pekubhadhara kusingabhadharwi uye mutengo wekutengesa ungave wakaderera zvakakwana kuti 10 kana 20 muzana mutengo wakaderera uchatendera iwe kubhadhara mari kune chikwereti.
Icho chakanaka kutarisa gweta renzvimbo yekudzidzira kuti udzidze zvakawanda pamusoro pekodzero dzako nemitoro usati waita kune imwe nzira yekugadzira mari. Hapana chinhu chinogara chiri slam dunk zvakare.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.