Kwemakore anopfuura zana, apo munhu akakwereta akatoenda kunotora zvakanakisisa mortgage lender, munhu uyo akaenda kubhangi. Zvichida pane bhengi rimwe chete muguta. Mubhizimisi wekambani uyu akasungira bhiza rake uye akaputirwa mubhangi. Bhizimisi raiwanzoitwa pamubati wehomwe nemunhu oga akapiwa basa rekuongorora zvinhu uye akakwereta aikwanisa kubhadhara chikwereti.
Nhasi, hongu, kune mabhangi anenge munharaunda dzose.
Kunyange zvakadaro, ichiri kukwanisika kusangana chiso nechiso nemukuru wechikwereti, hazvidikanwi kusangana mumunhu kuti awane chikwereti. Zvikwereti zvizhinji zvezvikwereti zvinoshandiswa pamagetsi, paIndaneti. Kutaura zvazviri, kana nguva inouya nguva yekusaina zvinyorwa zvako zvekukweretesa, imwe nyanzvi yevashandi inogona kuuya kunzvimbo yako yebhizimisi kana kugara, zvichiita kuti utarisire wako pachako usati wanyori wepamusoro akakodzera zvakakwana kuti akakwereta haafaniri kubva mumba.
Kana nguva yasvika yokuti iwe usarudze mari yakanakisisa yekubhadhara chikwereti, apo iwe unogona kuedzwa kuti uende kuchikoro uko iwe unoramba uchitarisa kana kuverenga maakarenda, rega kufunga nezvebasa rako raunoda. Haisi nzira yakanakisisa iyo bhandi iri nzvimbo yako kumba kwako nokuti haufaniri kupinda mubhangi kuti uwane chikwereti . Haisi kuvimbika kubhangi nokuti iwe, muverengi anodikanwa, mune imwe muzvikamu zvemamiriyoni.
Icho hachisiwo chikwereti chekutora chikwereti chakavimbiswa kana kuti mari yekuwana chikwereti, inozivikanwa sehomwe yezvikwereti.
Vanhu vanotengesa chikwereti vanokwikwidzana zvikuru, uye ivo vakawanda kwazvo vanopa imwe yehomwe yemari. Maoko pasi, nhamba imwechete iyo ichakubatsira iwe kusarudza yakanakisisa yekubhadhara chikwereti ishumiro yevashandi. Tsvaga chikwereti chikwereti chine mhinduro dzakanakisisa kubva kune vanogutsikana nevatengi.
Uyezve, mumwe munhu angave ari munharaunda yakanakisisa yekukupa mazano akanaka pamusoro pekusarudza zvakanakisisa mortgage chikwereti ndechekuti, tenda kana kwete, yako yeimba yemugovera .
Mutengesi wako wekumba anofanira kupiwa ruzivo rwekutanga-ruzivo rwekubhadhara chikwereti. Kubudirira kunonyanya kukosha mukutengeserana kwemaimba. Nzvimbo dzakawanda dzekutengesa kwedzimba dzisingakwanisi kuvhara nenguva dzinotsanangurwa zvakananga kumunhu anenge asingakwanisi kuita.
Iyo yakanakisisa yekubhadhara chikwereti chikwereti ndeavo vanotora basa ravo pamutero wako. Izvi zvinoreva ivo:
- Kurukurai nenzira yakakodzera uye yakakurumidza
- Dzokorora zvinyorwa pasina kunonoka
- Tarisira matambudziko uye tora matanho anobatsira kuti urege kudzivirira matambudziko iwayo
- Kutarisa hurongwa hwekukumbira chikwereti zvakanaka uye hunyanzvi
- Rangana nematambudziko ekupedzisira
Anenge munhu wose mubhizinesi rebasa nhasi ane mhinduro dzepaIndaneti. Kunyange zvazvo nzvimbo dzakawanda dzepakati rechitatu dzichabvumira chero munhu kutumira kudzokorora, izvo zvinoreva kuti muongorori anogona kunge ari kunyengera, munhu ane vendetta kana troll, zvizhinji zveongororo dzinobva kune vatengi chaivo. Iwe uri kutsvaga chikwereti chekutenga chikwereti nepamusoro-soro chekugutsikana kwevatengi.
Kubhadhara chikwereti ichiri bhizinesi revanhu, sezvo mamwe makambani anoedza kururamisa basa racho. Haisi kungoita nhamba chete. Izvo uye nguva dzose zvichava nezvevatengi vanofara.
3 Zvimwe Zvimwe Zvimwe Zvimwe Zvingaita Kuti Ufungisise Usati Wagadzirira Chirongwa Chakanakisisa Chekutengesa Lender
Time Zone. Apo nzvimbo kana kuti pedyo pedyo haisi mvumo yekuwana yakanakisisa yekubhadhara chikwereti, edza kuva nechokwadi kuti wako chikwereti chiri munharaunda imwechete yakafanana newe.
Nekukosha kwemazuva ekugadzirisa uye nguva yakasimwa mafaira, zvingava zvakaoma zvikuru kupfigira kutengeswa kwemba muCalifornia nemutengi ari kuNew York. Icho chinoreva kuti tambo inogona kusasviki kune vhigiridzi wekuvhara munguva iyo kana nguva yekucheka iri, ichiti, 11 am. Pasina kutaurwa, kana chikwereti chako chechikwereti chichireva musi we5: 00 masikati muNew York uye iwe uri kuLos Angeles, haugone kusvika kumunhu uyo mushure memadhora maviri.
Mukurumbira. Vakawanda vari muIndaneti vanokwereta kuzvikudza pamusana pekukurukurirana nekukurumidza kushanduka, asi chimwe chipingamupinyi ivo vose vanowanzotarisana nacho kushorwa kubva kune vamwe vanoshandisa mazita. Kunyanya kana mamiriro acho ezvinhu anopa mazano akawanda uye iwe uri mumwe wevatengi vakawanda vanotengesa imba imwe chete. Kunzwisisa muongorori weruzhinji kunogona kukurudzira mutengesi wake kuti asarudze mutengi akakodzera. Tsamba yekubvumira kare , somuenzaniso, kubva kune imwe nzvimbo, inozivikanwa uye yakavimbwa yekubhadhara chikwereti chekwereti inogona kutakura kuwedzera kukunda kupfuura kunze kwekunokwereta.
Mutengi haafaniri kumanikidzwa kurasikirwa nehope yake pamusha nekuda kwekuti mushandi wekutsvaga haazive nemunhu asiri wekunotora chikwereti chikwereti, asi chinogona uye chinoitika.
Appraisals. Chechitatu chekugona kutevedza kubvunzurudza usati wasarudza kunyanya kukweretesa chikwereti chikwereti ndokubvunza kuti kambani ichasarudza an appraiser. Ko muchengeti ane ruzivo rwakakura mumunharaunda iyo nzvimbo yako iripo? Vazhinji vakwereta vave nezvakaitika zvakaipa nekusarudzwa kwekuongorora. Iwe hausi iwe unodzidzira kubva kune rimwe guta rinoedza kuverenga imba yako munzvimbo umo mudzidziri ane ruzivo shoma kana ruzivo. Izvi zvinogona kuguma mune zvidzidzo zvishoma , uye hapana munhu anoda kutarisana nechepamusoro-soro iro, kunyanya kana zvingave nyore kudzivirirwa.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.