Chiito chekuvimba hachina kushandiswa mune imwe nyika
Zvizhinji zvemashoko aya achagadzirwa nemutengi wemutengesi. Nokusainira pasina kuverenga, zvinogona kutora vatengi vanenge anenge awa kuti vapedzise.
Kunyangwe, kamwechete kamwe mune imwe nguva, ndichaenda kunekuvhara nevatengi vanonyatsotora nguva yekuverenga zvinyorwa, uye izvozvo zvinozorodza. Zvakanaka chaizvo kupedza nguva uchibvunza mibvunzo pamusoro pemapepanhau zvinogona kutora makore makumi matatu kuti udzorere.
Chii chinonzi Deed of Trust?
Kana usati wamboverenga chiito chekutenda, unogona kuva nemibvunzo pamusoro payo. Pashure pezvose, ndiko kuchengeteka kwemari yako. Icho chigwaro chakanyorwa muzvinyorwa zvevanhu. Chiito chekutendwa chinogona kusanganisira mapeji akawanda uye handina kumbobvira ndaona chero vatengi vachiverenga vhesi rose kunze kwevanyori vashoma.
Ndakaona kuti kazhinji apo magweta vanobata shoko rimwe nerimwe, ndeyekuti gweta rinogona kusarudza kushandura ndima kana mutambo kana shoko, uye pasi, izvo zvisiri kuitwa. Kana uyo akakwereta achida chikwereti kubva kubhangi iroro, uyo anenge akwereta anobvumidza kusayina chikamu chetendamende chakaiswa pamberi pomunhu akakwereta.
Asi ini ndinogona kunzwisisa kuti sei gweta rinogona kukanganisa kune zvimwe zvikamu zvebasa retrust.
Chiito chekutendwa chine mapato matatu:
- The Trustor, iwe ndiwe, wakwereta
- MuTrasti, iyo inhengo inobata "chibvumirano chepamutemo kana chepamutemo"
- Mubatsiri, iyo inhengo ine mari, iyo chikwereti
Dhidziso yeTendamende isimbi inoshandisa zvinotevera:
- Chekutanga chikwereti chemari
- Tsanangudzo yepamutemo yeimba inoshandiswa sekuchengeteka kune chikwereti
- Iva mapato kune chiridzwa
- Kubva uye kutanga kwechikwereti
- Zvigadziro zvebhadharo uye zvinoda
- Mari dzinotora nguva
- Mitemo yepamutemo mune imwe nguva yekutadza
- Kukurumidza uye kuparadzanisa zvikamu
- Vatasviki, kana pane, pamusoro pezvinyorwa zvakadai sezvikwereti zvekubhadhara mari kana kuti zvigadziriswa zvekugadzirisa mari
Chii chinonzi Trustee?
Nokuti zvikwereti zvisingabateri, vatengi vanokwereta vanovhiringidzika pakati pekwereti uye chiito chekutendwa. Zviito zvekutenda zvine mutrasti, wechitatu wezvokuchengetedza izvo zvisingarevi chikwereti kana chikwereti.
- Mutrasti isangano, kazhinji kambani yepamusoro, iyo inobata "Simba Rokutengesa" kana zvichiitika.
- Mutereti anogadzirisa zvakare chivako kana kadhi yekutendwa kuribhadhara zvakakwana.
- Muchiitiko chekutadza, muteresi anonyorera Chiratidzo cheKutadza; zvisinei, muzviitiko zvakawanda, mutsigiri anotsiva mumwe mutongi kuti aite chisarudzo pasi peKugadzirwa kweTrasti.
- Mushure memakore makumi mapfumbamwe nemakumi mapfumbamwe emasangano ehurumende, uye mazuva makumi maviri nemakumi maviri emapepanhau mumapepanhau makuru ekuparadzira, mutongi ndiye ane simba rekutengesa iyo pamba pamatare edzimhosva pasina dare remhosva.
- Mumwedzi mitatu inotevera kuverengwa kweChitsauko cheKutadza , uyo anenge akwereta anogona kudzikinura imba yacho nekugadzirisa zvikwereti uye kubhadhara mari yemuteresi.
- Kana mushure mokunge mutengesi atengesa chivako chekutengesa kwaTrasti, ndiyo yekupedzisira.
Chii chiyeuchidzo chekuvimbisa?
Kunyange zvazvo chiito chekuvimba chiri chekuchengetedza chechikwereti, chakachengetedzwa neimba, chivimbiso chinonyatsogadziriswa nebasa rekuvimba, iro ndiro uchapupu hwechikwereti.
- Nhamba yevimbiso ndeyevimbiso yekubhadhara, yakasayirwa nemunhu anenge akwereta achida mutengi.
- Iri rine mazwi echikwereti chakadai sechikwereti chezvikwereti uye zvikwereti zvekubhadhara.
- Nhamba yevimbiso yakawanda haisi kunyorwa.
- Kana chikwereti ichibhadharwa, chivimbiso chinonyorwa "chakabhadharwa zvakakwana" uye chinodzokera kumunhu anenge akwereta, pamwe chete neReconveyance Deed yakanyorwa.
- Munguva yekwereti, chikwereti chinoramba chichinyorwa. Kusvikira chikwereti ichibhadharwa, wakwereta ane kopi chete yezvinyorwa zvake.
Usati Wasaina Chiziviso Chakanaka uye Deed of Trust
Verengai zvinyorwa zvose, kusanganisira zvikamu zvekare zvakadhindwa. Iwe unogona kukumbira iri pedyo kukutumira iwe chinyorwa chisina basa chekutendwa uye chinyorwa chekuvimbisa kare. Nokuti vanotarisa vanhu uye vanogona kuita zvikanganiso, hezvino zvinhu zvakakosha kuti uongorore:
- Kutora mazita emavimbisi
- Nheyo huru yekukwereta
- Mutengo wekuda (uye mutasvi, kana kugadziriswa)
- Payment amount
- Kubhadhara mubhadharo, kana pane
- Nzvimbo yeimba
Uyewo, usashandisa imwe chikwereti nokuti unoda kuita mari yekubhadhara kune iyo chikwereti. Mikana iyi ndiyo chikwereti chako chichazotengeswa nguva pfupi mushure mokuvhara muchechi yechipiri yemari.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.