Tsanangudzo: Anenge imwe chikwereti chimwe nechimwe chinokonzerwa kutenga imba chinokwana chikonzero chekutengesa clause. Handizivi nezvezvimwe zvikwereti zvisingabhadharwi nekutengesa clause. Chikonzero chekutengesa clause chinokosha kana mwene weimba achida kutengesa imba asingabhadhari chikwereti. Chikonzero chekutengesa clause chinobvumira mutero wepo aripo kuti atone chikwereti chose chakakosha uye chabhadhara kana muridzi weimba achiendesa musoro kumusha pasina kubhadhara chikwereti zvachose.
Chikonzero chekutengesa clause chinonyanya kudzivirira muridzi wemba kubva kutengesa zvichienderana nekweretesa iripo . Izvo hazvirevi kuti vanhu havaedzi kuzviita asi zvinoreva kuti muridzi weimba itsva angarasikirwa neimba kana mutero wepo uri mberi. Vatengesi vane kodzero dzakananga, uye kuvimba mabasa uye zvikwereti zvinyorwa zvakanyorerwa nemagweta achifarira avo vanotengesa. Chikonzero chekutengesa clause ndechimwe chekodzero idzi dzinowanikwa mumapepa. Iwe unogona kuverenga kuburikidza nemapepanji gumi kuti uwane, asi iyo yakakodzera yokutengesera clause, inozivikanwawo sekuwedzera kwechipiri , inenge iine inenge zvikwereti zvose zvakaitwa mushure mokunge 1988.
Sample verbiage inowanikwa mune chikwereti cheimba imwechete kusvika kune ina-mhuri iri pasi apa:
Kudhindwa kwePurisa kana Inhare Inobatsira ku Borrower. Kana zvose kana chikamu chePurisa kana chero chidimbu mairi chiri kutengeswa kana kutamiswa (kana kana rubatsiro runobatsira ku Borrower ruchengetwa kana kutumirwa uye Borrower haasi munhu chaiwo) pasina Lender yakabvumirwa kunyorwa, Lender angangodaro, inoda kubhadharwa zvakakwana muzere nemari yose yakachengetedzwa neChishanu Chekushandisa.
Zvisinei, sarudzo iyi haisi kuzoshandiswa neLender kana chiratidzo chinorambidzwa nemutemo wehurumende sekusvika kwekuchengetedzwa kweChigadziro Chino.
Chikonzero chaunofunga pamusoro pekuda kwekutengesa clause ndechekuti iwe haudi kuti mutengi akangokumbira kubhadharwa, izvo kune chikwereti ane kodzero yekuita. Zvisinei, munyika chaiye, vateresi havawanzoiti mari dzekubhadhara zvichizobhadhara nekuda kwekuti musoro weimba yacho wakashandurwa.
Kunyanya panguva yemakemikari kuparara pakati pemakore ekuma 2006 ne2011 nokuti vanokweretesa panguva iyoyo vakanga vachinyatsofara kubhadharwa zvachose. Vakweretesi havana kunyatsoziva kuti ndiani waivabhadhara kana nguva yakareba iyo chikwereti chakanga chisina kukanganisa.
Kufambisa mberi nhasi, uye vanokwereta vachiri nekodzero yekukurumidza kukweretesa chikwereti kana vachifunga kuti kuchengeteka kwavo kunogona kuparadza. Mushure mezvose, vakapa chikwereti kune akakwereta mushure mekunyatsogadzirisa mutengi uye achishandisa faira kuburikidza nekunyora pasi uye ndiani uyu munhu mutsva wavasingazivi kuita mari. Mubvunzo iwoyo here?
Kazhinji, chikwereti chekutengesa clause chinosimbiswa kana uyo anokweretesa akanzwa kuti kuchengeteka kwayo kuri pangozi kana kana uyo anokweretesa achifunga kuti inogona kuita mari yakawanda mumamiriro ekusimudzirwa kwezvibereko. Semuenzaniso, kana bhengi rinogona kusimudzira kubhadharwa kwekwereti iripo, iyo inogona kunge yakaderera pane inotengeswa yemari yemakethe, uye zvino shandisa mari iyo kubhadhara chikwereti chitsva pamutengo wakakwirira, iri mubhangi rakanakisisa kudana iyo chikwereti pakarepo yakakodzera uye inobhadharwa. Izvi zvinogona kusiya vanokwereta vachitsvaga kuti vagadzire.
Kudzoka mumazuva ekare, kufanana ne-hey-mazuva ema1970 nema1980, mabhanhire aizopa zvikwereti zvekubhadhara mari kune vatengi vatsva, asi hationi zvakawanda zvezvo zvakare.
Kana vatengi vasina kukodzera, maitiro aya evatengi vaiwanzoedza kutenga imba yacho pasina kuudza mutero, kana kuvhara mari iripo kune yose-inclusive Trust Deed kana Wrap-Around Land Contract . Vamwe vakashandisa sarudzo yekutsvaga yekutengesa sechimbo chekubhadhara kuedza kukanganisa chikamu chekutengesa clause.
Uyewo Anozivikanwa Se: kuparadzanisa clause, kukurumidza chirevo
Mienzaniso: John akatengesa imba yake pachibvumirano chenyika, achitarisira kuvhara chikwereti chakatengeswa, asi mutengi akange aripo akamuudza kubhadhara chikwereti chake kana kuti chaizotangira.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.