Iyo inobatsira uye nhamo yekubvumira chikwereti chako kuti urege kurasikirwa nemari pamba pako
Zvichida iwe unofanirwa kutengesa zvishoma kana kurega kuti imba iende kunofanirwa kunobva pane zvimwe zvinhu. Nekuda kune vamwe varidzi vemba, zviri nyore kukanda maoko avo uye kurega bhanhire kutora imba, izvo zvingasava chinhu chakanaka kupfuura zvose. Pasinei nokuti unosarudza nzira ipi, nguva dzose uwane mazano uye mutero usati waita chisarudzo pakati penguva shoma kana kutengesa.
Short Sale Sale Benefits
Heano maitiro mashomanana ekuita zvishoma kutengesa:
- Iwe uri mukutonga kwekutengeswa, kwete bhangi.
- Iwe unogona kurara zviri nani kuziva uyo ari kutenga imba yako.
- Iwe uchazvichengeta iwe kushorwa kwevanhu munzanga yezwi "F", kufanirwa.
- Kusiyana nekutenda kwakakurumbira, iwe unogona kugara uine ikozvino pamitero yako uye uchiri kushanda kuti uwedzere kutengesa.
Kutengesa kumba kwako kuchagadziriswa sezvimwe chero kutengeswa kwekumba, nekuremekedza nekuremekedzwa.
Kufananidzira kweZvibatsiro
Heano maitiro mashomanana ekusarudza kuita chirevo:
- Ndiyo mhinduro pakarepo.
- Iwe unogona kumira kuita zvikwereti uye kurarama mumusha kusvika iwe ukasarudzwa.
- Kune vamwe, iri kutsiva; iwe unganzwa zviri nani pakutanga uchitaurira bhanhire raunofanira kuenda apo rakaramba kubhadhara chikwereti chako.
- Kana chimwe chinhu chinoputsa kana kusagadzikana, haufaniri kuigadzirisa.
- Iwe unogona kubva pamba iri shure uye kungofamba kubva.
Kutenga Mushure Mokutengesa Pfupi
Mirayiridzo yaFannie Mae ye 2016 inokubvumira kuti udzoke zvakare kune chikwereti makore mana mushure mekutengesa kutsva ne 10% yokubhadhara pasi.
Kana iwe wakatengesa imba yako sekutengeswa pfupi nekuda kwekuwedzera mamiriro ezvinhu, unogona kudzokera kune Fannie Mae-backed mortgage shure kwemakore maviri nemagwaro akakodzera emamiriro ezvinhu. Iwe unogonawo kukodzera chikwereti cheFHA gore rimwe mushure mekutengeswa pfupi.
Yeuka mupfungwa kuti Fannie Mae neFHA mirayiridzo haisi chivimbiso kuti muchakwanisa kutenga imba mushure memazuva ekufungidzirwa.
Mabhangi ane mazwi ekupedzisira uye anowanzobatanidza kuputika kunogona kuchinja mitemo yakarongwa nehurumende. Kumbira hofisi yako yezvikwereti kuti ujekesere usati watendeseka kune federal guidelines.
Kutenga Mushure mekufananidzira
Kana kufanirwa kwako kwakakonzerwa nekugadzirisa mamiriro ezvinhu, unogona kukodzera kutenga imwe imba mumakore matatu. Kana zvisina kudaro, nguva yakatarwa yekumirira inoramba iri makore manomwe, inotaura Fannie Mae mumitemo yayo yemazuva ano. Kufanana nemitemo yayo shoma yekutengesa, FHA inobvumira avo vakataura pamisha yavo kuti vadzorezve kune zvikwereti zvemwedzi pashure pemwedzi gumi nemaviri.
Inosvika paKwereta
Kutengesa kutsva kunogona kuonekwa sechinhu chinonyadzisa pachikwereti chako kunyange zvazvo chikwereti chekwereti chisashandisi shoko rokuti "kutengeswa pfupi" pamushumo wekwereti yako. Mharidzo yako yechikwereti inogona kuverengwa "yakabhadharwa zvakakwana kudarika zvabvumirana" kana "kugadzirisa zvishoma," pakati pemamwe mapoka. Zvimwe zvirongwa zveHAFA zvinobvumira "hapana kubatwa kuchikwereti" uye inogona kuratidzira sebhadhari yakazara. Zvichienderana nekodzero yako yekwereti, Myfico.com inopa mienzaniso miviri umo chikoro chekwereti chinogona kuwira zvikuru mushure mekufananidzwa. Kazhinji, kufanirwa kwekugara kunoramba kuri purogiramu yako yechikwereti kwemakore manomwe.
Kushaya Njodzi Kururamisira
Kururamisa kunowanzotaurirana pakati pevatengesi uye vhizha rekutengesa shoma.
Mune dzimwe nyika, dzakadai seCalifornia, kana imba iyo iwe pachako ugere uye yaibhadhara mari kuburikidza nekutenga mari, hapana kushayikwa kwekutonga .
Mabhanji kazhinji haadi kutaurirana nekushayikwa kwekutonga nemwene weimba mushure mekunge tamboona. MuCalifornia, somuenzaniso, maererano neCalifornia Association of Realtors, kushayikwa kwekutongwa kunogona kuiswa pamusoro pekweretesa kwakaoma mari kana muridzi wechikwereti anotanga kuitika pasi pekutonga kwekutonga kana mushambadzi wekutengesa, kana kana chikwereti chechipiri chikwereti chakaoma mari uye kutengesa kunoitika sekutengeswa kwevatrasti.
Mari yeMushandirapamwe Mibvunzo
Maitiro ekubhadhara chikwereti haadi kuti iwe unyore ruzivo pamusoro pekutsvaga kwekutengesa. Unogona kureva kuti iwe wakatengesa imba yako. Iwe iwe, zvakadaro, unofanirwa kupindura mubvunzo uyu: "Wati wambova neimba yakatariswa kana kupa chiito-mu-nzvimbo yayo mumakore manomwe akapfuura." Kana uyo anokweretesa achiona iwe wakanga uine chinyorwa, chikwereti chako chinogona kurambwa.
Nguva Yenguva Yokutamira
Kana iwe wakanga uine chiziviso chekufananidza chakaiswa, unogona kukonzera chiito ichocho apo bhangi rinotengesa kutengeswa pfupi. Kumirira kubvumidzwa kwekutengeswa kwekfupi kunogona kubva pamwedzi miviri kusvika mitatu, kana yakapfuura. Mukufananidzira, kunze kwekugadziriswa kwepakutanga kusati kwaitwa, mukweretesi angada kuti iwe uende pakarepo pfuma uye ungatanga kuendeswa mberi kana iwe unonoka.
Mutero Kuvhiringidzika
Imba yega yega inosunungurwa kubva kune chikwereti chekubhadhara chikwereti pamusangano wehurumende chero bedzi hurumende iri kuramba ichiwedzera kuregererwa. Zvimwe zvezvematongerwo enyika zvinoramba zvichibhadhara iwe kunze kwekuti iwe unokodzera kubhadhara. Mutevedzeri haasi kurega kubhadhara chikwereti chemhosva , zvichienderana nemamwe mamiriro ezvinhu. Kune vadzidzisi vanofanotaura pamisha yavo, vamwe vanokweretesa vanobva vatumira zvishoma 1099, izvo zvinorondedzera mubairo wekusunungurwa semuridzi wemuridzi, kunyange kana muridzi wacho asingabhadharwi.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.