Tinokwanisa Kutenga Imba Itsva uye Kutengeswa Pfupi Dzimba Yedu Yekare Here?

Muverengi anobvunza kuti: "Nemitengo yemusha yakaderera zvikuru, tinoda kutenga imba duku.Adambudziko musha wedu uripo uri pasi pemvura, saka tinoda kutengeswa kwenguva pfupi kuti tibvise. kutengesa imba yedu yaivepo uye kutanga kutenga imba itsva kana kuti, zvingava nani kutenga imba yechipiri tobva taita kutengeswa pfupi pamusha wedu wekutanga ? Hatinyatsozivi kuti urongwa uhwu hunoshanda sei. "

Ndinovenga kuva mutakuri wenhau dzakaipa, asi kune matambudziko ose akakomberedza nechinangwa.

Mabhangi anopa zvishomanana kutengesa kwezvikonzero zvakasiyana-siyana, hapana chimwe chinosanganisira kubatsira muridzi wemba. Saka, pfungwa yokuti iwe unogona kungotenga musha mutsva uye chikumbiro bhangi kuti iwe urege kubva kubva kune chikwereti chako hachibviri, asi kune mamiriro ezvinhu ayo maitiro akadaro angashanda.

Kutenga Imba Idzva Mushure Mokutengesa Pfupi

Kuti upindure mubvunzo wako, ngatitarirei mamiriro ekutanga. Kuitengesa zvishoma uye kutenga musha mutsva . Iwe une nzira nhatu dzekuenda pamusoro pekutengeswa kwemusha wako uripo sekutengeswa pfupi:

• Mortgage in Default
  Vatengesi vanowanzopa kutengeswa pfupi nokuti vatengesi vane dambudziko rezvemari. Kana uine dambudziko rezvemari uye wakamira kurega kubhadhara mari yako, ipapo iwe haufaniri kukodzera kutenga chikwereti kutenga imba itsva.
• Mortgage Payments ikozvino
  Kana chikwereti chako chekubhadhara chibhadharwa panguva, bhagheni rako ringagumisa kuti hauna kukodzera kutengesa zvishoma nokuti hauna dambudziko. Kuita zvishomanana kutengeswa pasina dambudziko kunotyisa. Bhengi shoma rekutengesa rinogona kukukumbira kuti uite mutengesi mutengesi .

• Mortgage ikozvino Asi pamusoro pekuenda kuChina
  Ndiyo mamiriro ako akanaka, asi zvakare, mamwe mazano emari haazobvumi kutengeswa pfupi kunze kwekuti iwe usingachaiti. Kuwira kumashure pamitero yako kucharatidza zvisina kunaka pamushumo wekwereti yako sezuva remazuva makumi matatu, mazuva makumi matanhatu ekupedzisira uye nezvimwe zvakadaro. Kana fikiti yako yeFIC inowira pasi, haugoni kutenga imwe imba.

  Kunyange zvazvo mirayiridzo yaFannie Mae nemitemo yeFHA inopa zviyero kune vatengesi vasina kukanganisa kubhadhara chikwereti , mabhanhire emabhangi haateveri. FHA inorambidza zvakananga kugadzira chikwereti kumutengesi uyo akaita zvishomanana kutengesa nokuda kwechikonzero choga chokugadzirisa pakurasika kwehutano. Chimwe chinhu chisina basa ndechokushandurwa kwebasa uye kutamisa nzvimbo yakagamuchirwa.

Kutenga Imba Itsva uye Kuita Kutengeswa Pfupi Pamba Yekutanga

Kutenga musha mutsva, vatengi vemisha vakawanda vanotenga chikwereti. Chimwe chikwereti chinotora chikwereti chinosanganisira kuratidza chikwereti chako chemitero inodzoka. Mitero yako yemitero icharatidza kuti iwe une imba. Zviri nyore kwazvo kune wako chikwereti chitsva kuziva kuti imba yako iri kutsika pasi. Icho chaicho chekuti iwe une chikwereti pane imwe imba yako iripo pane zvakakosha zvakakwana zvechikonzero chevanyori vekunyora pasi vachikanda faira yako kunze kwekunyoresa uye kuramba chikwereti.

• Tenga uye Bhinda
  Sei bhagi racho richiramba chikwereti chako kana iwe uripo panguva yako yekubhadhara chikwereti uye une guru rakanaka? Mashoko matatu: kutenga uye bhaari . Tenga, uye bhaari inonzi kubhadhara chikwereti . Kana iwe ureve nhema uye uchiti unoronga kuchengetedza imba yako iripo apo chinangwa chenyu ndechokufamba, izvo zvinogona kutorwa sekubhadhara chikwereti zvakare.
• Mvumo Yokuva Neimba Maviri
  Vamwe vatengi veimba vanoita mari yakakwana kuti vawane dzimba mbiri . Kana mushumo wako wechikwereti uri wegoridhe, uye zvaunofambisa zvinotsigira chikwereti chitsva pasina kuvimba nemari inobhadhara kubva kumusha wako uripo, zvinoita kuti bhanhire ritange kukubvumira kutenga imba itsva, kunyange kana imba yako iripo iri pasi pemvura.
• Strategic Sale Short
  Hazvigoneki kuti bhangi ichakupa mararamiro mashoma ekutengesa imba yako iripo mushure mekutenga musha mutsva - kunyange iwe ukazadzikisa zvikodzero zvekuva nemisha miviri. Bhengi haigoni kukupa mubayiro nokuda kwemari yako yemari yekufunga mberi. Uyezve, bhagheni ichaona kuti iwe wakambove wakakwanisa kuva nemisha miviri, uye iwe unonakidzwa nekodzero yakanaka yechikwereti; nei bhagi rinofanira kukubvumira kuti uende pachikwereti panguva ino?

  Kukanganisa mune izvi zvose kana iwe une dambudziko rezvemari, iwe hauzokwanisi kutenga imba itsva panzvimbo yekutanga. Zvisinei, kana dambudziko rako rezvemari risina kuitika, pasina chiziviso uye zvakanyanyisa, unogona kukodzera kubhadhara.

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