Kunzwisisa Basa reKutadza mu Real Estate
Tsanangudzo yeChipupuriro: Kuvhara , sezvinoreva pfuma, zvinoreva chero chinhu chepamutemo chinotakura kana kudzivisa kushandiswa kana kutumirwa kweimba. Imba isina rusununguko-uye-yakajeka kubva kune chero ipi zvayo uye yose encumbrances haigoneki mune dzakawanda dzimba dzepaimba. Kuvharwa kunogona kuva chikwereti (chikwereti), kubata (kuzvipira kana kuzvipira) kuderedza kana kuvharirwa kunogumira kudhindwa kwezita. Kuvhara kunogona kusanganisira mari, asi kwete nguva dzose.
Izwi randakakurira naro nderekuti: zvose zvipfeko ndezvekudzivirira, asi kwete dzose encumbrances isirivha. Kushungurudzika zvakadaro?
Deed of Trust kana Mortgage seEntbrance
Vanhu vazhinji vanofungidzira zvisiri izvo kufungidzira kunongoreva chete kune chikwereti, somuenzaniso, nokuti ndiyo ndiyo inowanzoshandiswa kushandiswa. Kana mutengi wemari achitenga kutenga imba, kuongorora kwemari kunowanzobatwa nemagwaro maviri: chivimbiso chinyorwa, icho chiri chikwereti chekubhadhara, uye chikwereti kana chiito chekutendwa , icho chinochengetedza chinyorwa uye chakanyorwa. Chikwereti chinopesana zvakasiyana nechiito chekutendwa asi nekuda kwezvinangwa zvedu, zvose zviri zviviri.
Kana chikwereti kana chiito chekutendwa chave chabhadharwa, iyo yakavharwa inobva yabviswa kubva kune imwe nzvimbo mumabhuku evanhu. Chimwe chibvumirano chinobvisa kubvisa kukanganisa kunonzi kudzokorora chiito , icho chinodzokorora musoro wakachena kune muridzi weimba.
Chinetso chinoitika kana chikwereti chekutenga chikwereti kana chiito chekuvimba chakasunungurwa kuburikidza nekunzwa kwekudarika asi chikwereti hachina kumbobudiswa pachena kubva pamba.
Havasi vese varairi vemhosva vanoita zvekumba uye vamwe havazivi kuti kubhadhara Chitsauko 7, semuenzaniso, hachibvumiri chikwereti uye, kana vachiziva pane imwe nzvimbo, kazhinji vashandi vavo havadi kubhadhara mari yekuwedzera kuti vawane rusununguko zvekukanganiswa uku. Kutarisira uku kunogona kukonzera gore pamusoro penyaya kana kusagadzikana kusingabudiswi.
Kuzvipira Zvisungo seKunamata
A self volunteering is a document that the owner willingly sign and is generally recorded against the property in the public records. Zvinogona kunge kuchinjana mukutsinhanisa mari kuchinja maoko akadai sechikwereti chechipiri kana musha wekodzero yemari yechikwereti kana kunyange kugadziriswa kwemari yekurima mari iripo.
Mune zvimwe zviitiko, zvakadai semutsara wechikwereti, pangave pasina kuchinjana kwemari kusvikira mwenedzi wemba achinyatsogadzira mutsara wechikwereti, kureva kuti, akwereta mari. Apo chibereko chaive chichiderera kwazvo, ndakamboita mutsara wechikwereti uye ndakachengetedza iro rondedzero rakasununguka kwemakore manomwe risati ramboribata. Ndakazvibata semuripo wekukurumidzira wemari, kana ndaifanira kuchida. Pakupedzisira, ndakavhara kambani ndisati ndashandisa mari. Asi ini nomurume wangu takanga tichiri kudiwa kuti tinyore kusunungurwa kweiyo tiyo.
Zvisungo Zvisingabvumirwi seKunamata
Mhando mbiri dzezvibvumirano zvisingabvumirwi izvo zvisinganzwisisiki uye zvinotanga mupfungwa dzangu ndezver pendens uye ma mechanic's link. Nokusazvipira, zvinoreva kuti muridzi wemba haana kubvumirana kuti kubatana kwakadaro kunogona kuiswa kune iyo pfuma asi chibvumirano chakaonekwa. Lis pendens inzira inofadza yokutaura ichimirira kutongwa kwemutemo. Taura, somuenzaniso, kuti mutengesi akabvumirana kutengesa kumutengesi asi mutengi, chero zvikonzero, haagoni kuvhara nenguva, saka mutengesi akadzima chibvumirano unilaterally, pasina mutengi wemvumo.
Kuti tiwedzere kuomesa nyaya yacho, regai mutengesi aida kutengesa kune mumwe mutengi nemari yakawanda uye akaramba kuratidza nguva yekuvhara mutengi aripo. Mutengi aripo, kudzivirira mutengesi kubva pakuendesa musoro kune mutengi mutsva, angapa dare remhosva kune mutengesi uye akanyorera lis pendens. Izvo izvi zvinorambidza kutengeswa kusvikira dare rakatemwa.
A mechanic's link inowanzoiswa nekontikiti kana kambanikoni vadziri-makonkondi kumabasa kana zvinhu zvinoramba zvisina kubhadharwa. Zvose zvisungo zvisingabatsiri zvinoda kubhadharwa nekambani yekodzero yekubudisa mutemo wezita risina kutumidza mazita ekudzivirira kunze kwekunyorwa kwehutano yerutendo. Kubatana kwakasununguka kunogara neimba kusvikira wasunungurwa. Uyezve, mutengi wemutsengi wemutengesi achadawo musoro wakananga.
Zvinyorwa seEncumbrance
Zvichida rudzi rwakakurumbira rwekugadziriswa kunoshandiswa kwekugadziriswa kwezvinhu zvinoshandiswa, asi kuderedzwa kunogonawo kubvumirwa kuti upiwe (nenzira yakakodzera) kune chikamu chevhu chinotorwa pasina migwagwa. Zvinyorwa zvirikudzivirira nokuti zvinorambidza zvimwe zviito uye zvinokonzera kodzero yeimba. Somuenzaniso, haugone kuvaka dziva rekudhara pane imwe nzvimbo yakachengeterwa mutsara weguta remvura. Zvakanaka, iwe unogona, asi guta racho rinogona kukumba dzimba iyo yokushambi pasina mvumo yako.
Zvinyorwa zvinowanikwa mubhuku rako rehurumende yveshuwarisi uye rinowanzoonekwa pamepu yevadzidzisi pachako.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.