Nei Tichimirira Kutengesa KwekuDenga?
Vakawanda veimba vepamba vanoona yekutengesa zviratidzo mumisha yavo. Misika yemutengesi , zvakajairika kuona chiratidzo chinenge chichimirira mushure memwedzi miviri kana mitatu pamusika nokuti DOM inowanzova yakareba kwenguva yakawanda apo pane vashomanana vanotenga kupfuura vatengesi.
Sezvazvinowanzoitika apo chiratidzo chinotarisira kutengesa chinouya uye Chiratidzo che Sale chisiiwa chimire.
Sei Tichimirira Kutengeswa Kuenda Kuipa?
Remorse Remurse
Vatengi vanowana tsoka dzinotonhora . MuCalifornia, zvibvumirano zvinowirirana zvinopa vatengi mazuva 17 kuti vaongorore. Munguva ino, vatengi vanogona kubvisa chibvumirano chechikonzero chipi nechipi, asi chinowanzovhiringidza kutya kutya imba . Munguva iyi nguva, vatengi vanobhadhara mari yavo yakajeka nokuda kwechikonzero chero chipi zvacho pakunatswa.
Kutengeswa kwakamirira mu Land Park nzvimbo yeSacramento munguva pfupi yapfuura yakaparadzana musi iwoyo usati wapera. Mutengi haana kumupa mumiririri chikonzero chokuregesa. Akangoramba kusaina zvikwereti zvemari chikwereti ndokumurasa. Chikonzero chayo chisingazivikanwi chakanga chiri chando kumakumbo. Uyu akanga ari mutengi uyo makore kubva zvino angangodemba kuzvidemba kwake chisarudzo.
Vatengi vekutanga-mumba vanobhadhara zvikuru kubva pakushandisa mazano ehunikiridzi weimba yemugovera uyo anogona kuvafamba nenzira yekutenga imba .
Nhengo iyo inocherechedza zviratidzo zvetsoka dzinotonhora inogona kupa mazano ekupa mazano uye kubatsira vatengi kudzivisa kukanganisa.
Kuongorora Kwekumba
Kune ziso risina kudzidziswa, dzimba dzakawanda dzinoita zvakafanana: masvingo mana, pasi uye padenga. Asi kune muchengeti weimba , zvisikwa zvishoma mumadziro uye nzvimbo dzose padenga zvinogona kududzira dambudziko.
Mvura yakadzika midzi , kuputsika kwepamatenga uye kusashanda kweHVAC zvirongwa zvitatu zvinetso zvakakosha izvo mutengi anowanzogadzirisa asingakwanisi kuongororesa pasina rubatsiro rwemhizha.
Kana imwe nyanzvi yemusha ichiratidza matambudziko mumusha, vatengi vanotya kutya. Misha yose ine matambudziko, kunyange misha mitsva. Dzimwe nguva vatengi vanobvunza kuti vatengesi vanotsiva midziyo yakasakara kana kugadzirisa mamiriro ezvinhu akange aripo anoita kuti mutengi asanetseka. Vatengi vanogonawo kukumbira chikwereti kubva kune mutengesi semaripo. Kana mutengesi anoramba kuita chimwe chezvinhu izvi, ipapo kutengesa kutengesa mapepa uye imba inodzokera kumusika.
Usaita kugadzirisa kusina musoro kana zvikwereti zvekwereti. Mumwe mutengi aida kuti mutengesi atengese mapeji akawanda emhando yehuputi uye achipisa purogiramu yemusha. Imwe yakakumbira $ 2,500 chikwereti kunotsiva mvura inopisa. Kandira muchengeti wepamusha anokwanisa anogona kutsanangura kukanganisa uye kukosha kwavo.
Low Appraisals
Vakawanda vepamba vatengi vanotora chikwereti . Kuti dzivirire chikwereti chemutengi, uyo anokweretesa achakumbira mutengi kubhadhara kuongororwa . Kana kuongororwa kunouya mune zvishoma pane mutengo wekutengesa, heinoi zvingasarudzwa:
- Bhara mutsauko mune mari.
- Raira mumwe muongorori kubva pane imwe nyanzvi.
- Shandisa munyori wechirongwa chepamusoro nekutengesa zvakafanana kutsigira mutengo wekutengesa, achitarisira kuchinja kukosha kwekuverengwa.
- Ipai mutengesi chikamu chechipiri chekutenga chikamu.
- Kumbira mutengesi kuderedza mutengo .
Kana mapato asingakwanisi kubvumirana kuita chimwe chezvinhu izvi, kutengesa kwakatarisana kuchaputsika.
Kukumbira mutengesi weimba yekutengesa kuti akupe iwe kutengeserana kwakafanana musati wanyora chibvumirano chekutenga chingakubatsira kuti uchengetedze zvipo zvako maererano nekutengeswa kwezvino. Hira mutauriri ane simba kuti apiwe chipo ichi chigamuchirwe pamutengo wakaderera.
Mortgage Loan Rejection
Kusvikira zvinyorwa zvevanhu zvichitsvakurudzwa nekambani yepamusoro kana gweta, vatengi vangave vasina ruzivo rwezvisungo kana kutongwa kwakaiswa kwavari. Kunze kwekuti zvibvumirano izvi zvabviswa, munhu ane chikwereti haazokweretesi, uye chikwereti chemutengesi chinogona kurambwa.
Vatengi vasingazivi chero zviri nani dzimwe nguva vanowedzera chikwereti chavo kuburikidza nekubhadhara mari zhinji kutenga apo vachimirira chikwereti chavo chekubhadhara chikwereti.
Kuchengetedza chikwereti chemotokari itsva kana mari yekutenga fenicha kunogona kuita kuti mutengi asabvumirwe kune chikwereti chemari. Kana iyo chikwereti ichirambwa nekuda kwekutengesa kushandiswa kwemutengi, kutengeswa kwakatarwa kuchadzokera kumashure.
Usatora chikwereti chitsva paunenge uchimirira kuti uvhare kutengesa kweimba yako itsva. Chimirira kusvikira chikwereti chenhoroondo yako uye mutengesi uvhara. Usaita sarudzo dzezvemari dzakasiyana nedziziviswa pane yako yekutanga chikwereti chekuita.
Zvinopesana neMutengo Wokutengesa Kwemutengesi
Vatengi vanogona kurasikirwa nekutengeswa kweimba kana kontrakta ichikwanisa kutengesa imba yomutengesi uye iyo imba haina kutengeswa munguva yakataurwa. Vashomanana vanotenga vanogona kuwana dzimba mbiri dzekugara panguva imwechete nekuita kaviri mari yekubhadhara mari.
Zvipo zvinopfurikidza zvinogona kuumba simba rekuita. Kana mutengi achiwa, zvimwe zvose zvinotengeswa zvinotenderera kune iyo yekuvhara ichanyarara, zvichiita kuti avo vakamirira kutengesa vaende zvakaipa.
Zvichienderana nematongerwo emvumo verbiage, vatengesi vanogonawo kuchengetedza kodzero yekubvisa mutengesi uye kuvhara chibvumirano kana mumwe mutengi achida kutenga imba pasina chiitiko.
Iva neurongwa hwekudzokera shure apo chiitiko chako musha wako haufaniri kutengesa pakarepo iwe uri pasi pesangano kuti utenge mumwe. Tsvaga kutora chikwereti chebhiriji . Nekugadzirira zvishomanana, vamwe vatengi vanochengetedza mari kuburikidza nekugadzira imba yekuenzanisa chikwereti chekwereti vasati vaisa imba yavo iripo pamusika.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.