Muverengi anobvunza kuti: "Isu tiri venguva yekutanga mumba vatengi vanovhara kutengeswa pamusha wedu wekutanga vhiki inotevera.Iyo nyanzvi inoti" tinofanira kupa mari yakavimbiswa kuti tivhare. "Vati tinogona kuunza chekuvhara mari yekuvhara kana tikwanisa kuita wire transfer .. handina nguva yekuenda kubhangi kuti ndiwane chekuchengeti, asi mudzimai wangu anoti kana tikatengesa mari, mari yacho haigoni kusvika kune kambani yepamusoro panguva. Tinofanira kuita kutengesa firi kana kuisa chengeta kuti uvhare? "- Nervous Home Buyers
Mhinduro: Zvakanaka mubvunzo, Imba yeNzara Inotenga. Ngatitaurirei nhoroondo mbiri dzinozivikanwa pamusoro pecashier's check and wire transfers. Chokutanga ndechekuti chekoni yekodhi haigoni kuisa. Hungu, vanogona. Chekuchechecheche chekeri inogona kuchinjwa nevanokanganisa kana kuchinjwa nemubati wenyaya. Chechipiri ndechokuti kutengesa kwefree kwenguva pfupi. Wire kutama kunotora nguva.
Cheki Cashier Inoshanda Sei?
Nhoroondo yemubhadhari inoenda kubhangi mumunhu, inopa ruzivo uye inokumbira cheketi yekashiri kubva kubhengi webhanki. Iwe unofanirwa kuchenesa mari munhoroondo yako kuti uwane chekoni yemari. Hezvino ndizvo zvinotaurwa neBanki:
- Inokumbira mazita ekubhadhara / payee mazita uye madhora kubva pauri.
- Checks ID yako
- Inosimbisa kuti une mari munhoroondo yako uye zvose zvakachengetedzwa.
- Inotora cheketi yekodhi yakagadziriswa nezita rako uye zita remunhu.
- Zviratidzo zvechechi yekasi.
- Anokupa cheko.
Zvichienderana neukama hwako nebhangi, bhangi ringabhadhara mari shoma yekukwevera cheki yekasi.
Inoshandiswa Sei Nefaira Kutora?
Nhare yekuendesa inoshandiswa kuburikidza ne telegraph, asi mabanki akawanda anotumira faira kuendesa zvemagetsi pamazuva ano. Basa iro mabhengi mazhinji anoshandisa kuchengetedza mari yakachengeteka inonzi SWIFT Inomirira Society for Worldwide Interbank Financial Telecommunication.
- Iwe unogona kukumbira bhanjeri yako kuti iite kutengesa firi mumunhu, pamusoro pefoni kana, pane dzimwe nguva, paInternet.
- Zvichienderana nebhangi, mari inogona kushandiswa kune bhanki rinobatana, iro rinogona kunonoka kuwanikwa.
- Mabhengi mazhinji anotumira foni pane dzimwe nguva dzezuva, uye iwe unogona kurasikirwa nenguva yakagurwa.
- Tsanzura inogona kubvumidzwa kusati yatumirwa.
Ndezvipi zviri nani - Wire Transfer kana Cashier's Check?
Haunofariri here kuti iwe unogona kufamba mumba mako uchivhara neholo guru yemari uye urasa mari kuri dawati? Asi iwe haugone. Pedyo havadi mutoro unobatanidzwa nemari yakawanda iyoyo. Uyezve, kutengesa kudarika $ 10,000 mumari kunofanira kuudzwa kune IRS
Kuwana chekoni yekasi kunogona kupa zvinetso zvakawanda.
- Mamwe mabhanki anoda kutarisirwa mberi asati abvisa mari yakawanda yemari ndokukupa iwe.
- Tarisa nebhani yako usati waida mari.
- Iwe unogona kuisa kuisa mari yacho neyoyo pedyo nezuva risati ravhara.
Nheyo dzinoshandiswa dzinogona kupa zvipingamupinyi zvakare.
- Iro kutengesa kunogona kurasikirwa.
- Numeri inogona kuchinjwa.
- Iwe unogona kupotsa zuva rezuva rezuva re wiring, uye hazvizobudi kusvikira zuva rinotevera.
- Mutungamiri anoda kubvuma tambo anogona kunge ari kunze.
Chikonzero nei Kuvhara Vashandi Batai Muchiziviso Chikwata Chekuvhara
Nhamba makambani , escrow mahofisi, nevamwe vanovhara havakwanisi kunyora chiito kusvikira iyo yakaenzana nemari iri muruoko.
Zvinomirira zvose mutengesi uye mutengi. Vanopikira kuti mutengesi achagamuchira mari iyo gwaro rakanyorwa. Vanovimbisa kunyora chiito kana mutengi achiisa mari yacho.
Mitemo kubva kuhurumende kusvika kune imwe nyika inogona kusiyana. Somuenzaniso, California Insurance Code Chikamu 12413.1 inoronga kubhadharwa kwemari nekambani dzemakambani. Hezvino izvo zvinodiwa zvikuru:
- Mari dzinofanira kuiswa uye dzinowanika musati dzabhadhara.
- Mari dzinogamuchirwa kuburikidza nekutengesa ngero dzinogona kubhadharwa pakarepo.
- Mari dzinogamuchirwa kuburikidza nehomwe yekasi inofanira kuiswa zuva risati rapera.
- Mari inogamuchirwa mune imwe nzira ipi inononoka kubhadhara.
ZANO: Chimwe chinhu chakakosha zvikuru chekuyeuka kana kutumira mune mari yekuvhara ndechekuita kuti mari iri kuuya kubva kune imwe nzvimbo yakatosimbiswa nemutengi wako.
Mune mamwe mazwi, usasarudza kuti mune kufarira kwenguva, zvichida nokuti uri kufamba kana kuti zvisina kukwanisa, kuti zvakanaka kuti, taura, vabereki vako kutumira cheki mukuvhara uye iwe uchavaripa zvakare gare gare. Kwete kwete kwete. Iva nechokwadi chekuti mari yako ndeyeiyokwereti wako chikwereti ave nechokwadi kana iwe haufaniri kupedza nenguva.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.