Unogona Kutumira Imba Here?

Nzira Yokushandura Mazita Pamutero

Kana iwe uchitengesa imba kana imwe yeimba inotamira kunze, zvingava zvine musoro kutumira chikwereti kumunhu mutsva. Panzvimbo yekutsvaga mari yechikwereti chitsva, kubhadhara mari yekuvhara, uye kutanga nemari yepamusoro yemari, muridzi aizongotora mari yazvino.

Zvinogona kutumira chikwereti, asi hazvisi nyore nguva dzose. Tichavhara tsanangudzo iri pasi apa, asi muchidimbu muchidimbu chezvaunosarudza zvinosanganisira:

1. Shandisai mari inotora chikwereti kuburikidza nekukumbira mutero wako kuti aite shanduko.
2. Refinance chikwereti muzita romuridzi wekutanga chete.
3. Shandura apo mamiriro acho asingatori chikwereti che "chikonzero chekutengesa" chikwereti.

Zvikwereti zvinotora mari

Kana chikwereti "chisingatauriki," uri muhombe: zvinoreva iwe unogona kutumira chikwereti kune mumwe munhu. Hapana mutauro muchibvumirano chechikwereti chinokudzivirira kubva pakuzadzisa kutengesa. Zvisinei, kunyange kutora matanho ekugadzirisa mari kunogona kuoma kuendesa.

Muzviitiko zvakawanda, "mutsva" akakwereta anoda kukodzera chikwereti. Uyo anokweretesa anotarisa kune chikwereti chikwereti chikwereti uye chikwereti kune mari yekuwana mari kuti aongorore kukwereta kwekwereta kubhadhara chikwereti. Izvo zvinenge zvakangofanana nezvo kana uyo akakwereta aizokumbira chikwereti chitsva (asi chokwadi chikwereti chinogona kutora chikwereti chinenge chiripo). Vatengesi vanobvuma chikumbiro chechikwereti chepakutanga zvichibva pachikwereti nemari yeavo vashandi vekutanga, uye havadi kubvumira ani zvake kubva pachigamba kunze kwekuti vane mubhadhari anotora uyo angangodaro achiripira.

Kuti upedze kuendesa chikwereti chisingagoneki, bvunza shanduko nemutengi wako. Iwe uchafanirwa kupedzisa zvikwereti, chengetedza mari uye mari , uye ubhadhara mari inoshandiswa munguva yekuita.

Kushandura pamba: Kushandura mazita pachikwereti kunobata chikwereti. Iwe unogona kunge uchida kushandura uyo ane pfuma yacho nekuendesa musoro, uchishandisa chiito chekurega, kana kutora chero imwe nhanho inotarisirwa mumamiriro ako ezvinhu.

Akaoma Kuwana?

Zvinosuruvarisa, zvisingakwanisi kutora mari yakawanda haisi yakawanda yakawanikwa. Bhati yako yakanakisisa ingave kana iwe une chikwereti cheFHA kana chikwereti VA . Zvimwe zviitiko zvekare zvinowanzoitika. Pane kudaro, vateresi vanoshandisa chikonzero chekutengesa clause, zvinoreva kuti chikwereti chinofanira kubhadharwa paunotumira umiridzi weimba.

Refinancing

Kana chikwereti chisingaiti uye iwe haugoni kuwana chikamu kune chikonzero chekutengesa clause, kubhadhara chikwereti kunogona kunge chiri chako chakanakisisa. Kufanana nekufungidzira, munhu akwereta idzva achada mari yakakwana uye chikwereti kuti akakodzera chikwereti.

Musha we "mutsva" achangoshandisa chikwereti chitsva mumwechete uye achishandisa chikwereti ichocho kuti atore chikwereti chiripo chiripo. Iwe unogona kunge uchida kurongedza nevakweretesi vako kuti zvibvumirano zvibviswe (kunze kwekuti mubhadhare mutsva nemupepeti mutsva avabvumire kwavari) kuitira kuti iwe ugone kushandisa imba yacho sechibvumirano , asi inzira yakanaka, yakachena yekuita kuti basa riitike. Dzimwe hurumende dzinogara dzichishandurwa kubva kune mumwe muridzi kune imwe (somuenzaniso, kana kuvandudzwa kwakaitwa nePACE mari ).

Nokuda kwekutengesa

Vatengesi havawanzobatsiri nekubvumira iwe kutumira chikwereti. Vatengi vaizobuda mberi nekuwana chikwereti che "chikwata" chakanyanya, nekutora chikwereti chekutanga kuchibva kunze kwenzira (uye vangave vakakwanisa kuwana mubare wekuderera).

Vatengesi vaizoenda kuzotengesa imba yavo nyore nyore - zvichida pamutengo wakakwirira-nekuda kwezvakafanana. Asi vanokweretesa vanomira kuti varasikirwa, saka havadi kutendera kuendeswa.

Chikonzero chekutengeswa clause chikamu chechibvumirano chechikwereti chichiti chikwereti chinofanira kubhadhara apo iyo inotengesa (iyo chikwereti "inowedzera").

Kusiyanisa kune mutemo: Mune zvimwe zviitiko, iwe unogonazve kutumira chikwereti - kunyange nechikonzero chekutengesa clause. Kuchinja pakati penhengo dzemhuri kunowanzobvumirwa, uye mutengi wako anogona kugara achipa zvipo kune izvo zvibvumirano chako chekubhadhara chikwereti (ndiyo chisarudzo chavanogona kushandisa, uye havakwanisi kuita zvakadaro - asi musawana tariro yako) . Nzira chete yekuziva chokwadi ndeyokubvunza chikwereti chako uye kuongorora chibvumirano chako neye gweta renzvimbo. Kunyange kana vakwereti vachiti hazvigoneki, gweta rinogona kukubatsira kuona kana bhangi yako iri kupa ruzivo rwakarurama.

The Garn-St. Mutemo weGermain unodzivirira vatengi kuti vashandise kukurumidza kusarudza pane imwe mamiriro ezvinhu. Zviverengeka zvezviitiko zvinowanzosanganisira:

1. Apo mubatidzi wekugoverana anofa uye umiridzi hunoendeswa kune chibatanidza chekugara
2. Kushandura chikwereti kune hama pashure pokufa kwomunhu anenge akwereta
3. Kuendeswa kwepfuma pfuma kumudzimai kana vana vevakwereta
4. Inoshandiswa nekuda kwekurambana nekuparadzanisa zvibvumirano
5. Inopinda mu inter vivos trust (kana kuti chivimbo chehupenyu) uko uyo anenge akwereta ari anobatsira

Ona zvo rakakwana rezvisizvo, uye ongorora urongwa uhwu nemugweta wako.

Unofananidza Kuchinja

Kana iwe usingakwanisi kuwana chikumbiro chako chakabvumirwa, unogona kuedzwa kuti uise sangano "risina kukodzera". Semuenzaniso, unogona kutengesa imba yako, siya chikwereti chaivepo, uye kuti mutengi adzorere iwe zvekutenga chikwereti.

Ichi chakafungwa chakaipa. Chibvumirano chenyu chekutora hachibvumiri izvi, uye iwe unogona kutozviwana iwe mumatambudziko emurairo, zvichienderana nekuti zvinhu zvinoenda sei. Uyezve, iwe uchiri kukonzera chikwereti - kunyange iwe usingachagari mumba.

Chii chingafamba chakaipa? Mikana shomanana inosanganisira:

• Kana mutengi ari kurega kubhadhara, chikwereti chiri muzita rako, saka ichi chiri chinetso chako (kuchema kwekupedzisira kuchaonekwa pamakero ako emari, uye vateresi vachauya shure kwako ).
• Kana imba yacho inotengeswa mukutaridzika zvishoma kudarika zvakakosha, iwe unogona kuva nemhosva yekushaiwa kwese .

Kune nzira dzakanakisisa dzekupa mutengesi mari kune unogona kutenga.

Zvaunosarudza

Kana iwe usingakwanisi kutenga chikwereti chinotamiswa, iwe unenge uine dzimwe nzira, zvichienderana nemamiriro ako ezvinhu. Zvakare, rufu, kurambana, uye kuwedzerwa kwemhuri zvinogona kukupa kodzero yekuita kuwedzerwa, kunyange kana wako chikwereti achitaura zvimwe.

Kana iwe uri kutarisana nekufananidzira , dzimwe hurongwa hwehurumende dzinoita kuti zvive nyore kubata nemari yekubhadhara - kunyange iwe uri pasi pemvura kana kusashanda.

Kana uri kurambana , bvunza gweta rako kuti ungatora sei zvikwereti zvako zvose uye kuti ungazvidzivirira sei kana wako wawakaroorana naye asingakwanisi kubhadhara.

Kana muridzi wemba akafa , gweta renharaunda rinogona kukubatsira kuziva chaunofanira kuita chinotevera.

Kana uri kutengesa zvinhu kune imwe chivimbo , chengetedza kaviri newaini yako yekugadzirisa zvivako kuti uone kuti haugoni kutora chirevo chekukurumidza.

Kudzokorora kunogona kuva ndiyo yako yekupedzisira kana pasina imwe nzira iripo iripo.