Matanho Ekutanga muShambaji Yakatengesa kuCalifornia
Kuti utange, unofanira kuronga hurongwa hwako uye kupindura mibvunzo mishoma.
Kune zvakawanda zvakasiyana siyana zvekutengesa kwenguva pfupi . Iwe haufaniri kuziva mhando dzose dzemhando dzekutengesa kwenguva pfupi chero bedzi iwe unogona kupindura mibvunzo inotevera:
- Ndianiko chikwereti chako? Haisi chete kuti chikwereti chako chakakosha, nokuti chinosarudza kuti kutengesa kwako kwakatengeswa sei, asi iwe unoda kuziva kana muridzi wehandi ariyo servicer kana kuti mutengi. Ndiwo mutero uyo pakupedzisira achabvumirana kutengeswa kwako kwekanguva kunze kwekuti wako chikwereti aine simba rakasarudzwa .
- Iwe une dambudziko rezvemari here? Kana zvakadaro, iwe uchada kunyora tsamba yakaoma . Kana iwe usina dambudziko rezvemari, iwe unogona kutarisira kuti chikwereti chako ndiBan of America uye kuti iwe uchafanirwa neKoperative Short Sale kana HIN Incentive. Vakawanda vanokweretesa muCalifornia vanoda kuona mutengesi anogona kunyora dambudziko rezvemari. Chimwe chinhu chinowanzoitwa naFannie Mae kana mutengesi ari kudarika imwe nhamba yemazuva, pamwe nechepasi FICO chikamu.
- Iwe chikwereti chako chikwereti chehurumende here? Hurumende yehupfumi inosanganisira zvikwereti zvinowanikwa nehurumende inotsigirwa nehurumende (GSE) yakadai saFannie Mae kana Freddie Mac. Mitemo yakasiyana nemari yeGSE. Kana chikwereti chako chiri FHA kana VA, aya marudzi ehukwereti anotora nguva yakareba kuti agadzirise uye anobvumirwa mune imwe nhanho.
- Iwe unokodzera HAFA kutengeswa pfupi here? Dzimwe mhando dzeHAFA dzekutengesa zvishomanana dzakadai seavo kuburikidza neBhange reAmerica zvinotora nguva yakareba. Nguva dzakatarwa nehurumende dzinowanzoteverwa. Ndakanga ndine Bank of America HAFA kutengesa zvishoma kutora, pavhareji, kubva pamwedzi 6 kusvikira mwedzi gumi yekuita. Izvo chete zvinoshandiswa neHAFA kutengeswa pfupi muCalifornia ndeye $ 3,000 mutengesi achagadzirwa pakuvhara, asi mutengesi achangogamuchira mari iyo kana mutengesi achigara munzvimbo.
Kana iwe uchida kuita HAFA kutengeswa pfupi, ona kuti nzira iyi yakasiyana neHannie Mae HAFA kutengeswa pfupi uye Freddie Mac HAFA kutengeswa pfupi pamusoro pekutengeswa kwenguva pfupi nokuti, zvakare, izvi zvikwata zvinotsigirwa nahurumende. Hapana ARASS ye Freddie Mac HAFA kutengesa kutsva, izvo zvinoreva kuti iwe unofanira kutora kufanirwa mberi usati waisa chipo.
Haasi mumiririri anogona kubata HAFA kutengeswa pfupi. Iwe unofanirwa kushanda chete neHAFA yekutengesa pfupi uye ane ruzivo mushambadzi wekutengesa pfupi kana ukasarudza kutevera HAFA kutengeswa pfupi.
Gamuchira Kubudiswa Kwemhosva kweChipfumi Chakasvika kuCalifornia
Pane zvipingamupinyi uye zvinhu zvakanaka kusvika pakupfuura munaJuly 2011 weCalifornia SB 458 . Mune dzimwe nzira, zvipingamupinyi zvakaita chikamu chechipiri chikweretesa kuwedzera kusada kugamuchira kushambadzira pfupi.
Zvisinei, pane iyo yakawedzera, mutemo unodzivirira bhanhire kubva kureva kuti mutengesi ape mupiro sechiitiko chekutengeswa pfupi kutengeswa.
SB 458 inogadzirisa California Civil Code 580 nekuwedzera ndima e. California Civil Code 580e inoti bhangi rinofanira kusunungura mutengesi kubva pamutoro wega wega kana bhangi richibvumirana kutengeswa kwekfupi. Hazvina basa kana i:
- Imba inzvimbo yega yega kana yekusara
- Mari yechikwereti hachina mari kana kutenga mari
- Chikwereti chiri mukutanga, chechipiri kana chechitatu chinzvimbo
Haana kuita mutsauko zvachose. Chero ani anokweretesa anobvumira kutengesa kwemauto kwema1 kusvika kuchina muCalifornia anofanira kusunungura mutengesi nemhosva uye haagoni kutevera kushayikwa kwekutongwa . Zvechokwadi, mitemo inogona kuchinja. Saka, kuchenjera kuwana tsamba shoma yekutengeserana inotengeswa inosanganisira verbiage chaiyo inokonzera kukwana kana kusunungura mutengesi.
Mitero iri paCalifornia Yakatengeswa Pfupi
Kana chikwereti ichigadziriswa, vatengesi vanofanira kuwana mazano emitero kubva kune unyanzvi hwemitero yakakodzera. Izvozvo ndezvokuti kugadziriswa kwehuwandu uye nguva inotariswa zvakasiyana nekuda kwemitero kunze kwekugadziridza uko kushandiswa kwemari-kunze. Izvo zvinosunungura mari panguva yekunatsiridza zvinogona kutengesa kune zvekutengesa, kunyange pakutengeswa pfupi, zvichienderana nemamwe mamiriro.
Mutengo Wekuregererwa Kwekwereti Mutemo weRlief Act wa2007 mutemo wezvematongerwo enyika. Iyo inobvisa zvigaro zvevanhu pachavo kusvika kune imwe nzvimbo yakakwirira kubva pamutero. Haisi mutemo weCalifornia. Kwemakore, mutemo wenyika yeCalifornia yakaratidza mutemo we federal. Chero mutemo weCalifornia uchatendera mutengesi kubva kune hurumende yemitero yehurumende yekutora chikwereti chemari chikwereti ndiyo mhinduro inopindurwa yakapindurwa nemutero wekwereti. Izvi ndezvokuti kunyange kana mutengesi asina kukodzera, pane zvimwe zvingabhadhara zvinogona kushanda.
Uyezve, tsamba dzekutengesa dzakabudiswa mugore ra2013 dzakabudisa vatengesi vezvikamu 1 kusvika kuchina muCalifornia kubva kumitero kune zvose zvehurumende nehurumende.
Kana iwe uchida mazano epamutemo uye emitero kwekutengeswa kweCalifornia shoma, tapota shandisa imwe sangano yakabvumirwa uye yakakwanisa kukupa mazano. Real estate agents havagoni kupa mvumo yepamutemo uye mutero.