Iwe unogona kushamisika - hausi mabhanga anoda kubvisa matanho avo here? Ko mabhanga haasi kufara kuwana chikwata, kunyanya mupiro wemutengo wakakwana pamusha webhangi?
Mhinduro yacho pamwe kwete.
Mabhanki Haadi Kutsvaga Vanotumira Zvimwe Zvipo
Mabhangi akadzidza kuti haasi mvumo yekutengesa yose yakazvipira. Vamwe vatengi vanoita zvipo zvakawanda pasina chinangwa chekutenga zvose zvavo. Vanoda kusarudza uye kusarudza zvakanakisisa kugadzirisa uye, mukuita kudaro, vanogona kuzvitsvakira pachavo mumatare nekunyora zvipo zvisiri izvo.
Dambudziko rinomuka apo mutengi asina mari yekureva kutenga zvinhu zvose. Mimwe mitemo yemitemo inogona kutora mutengi achikwanisa kukanganisa kontrakti paanoregererwa nokuti mutengi angangodaro akanganisa sungano yechipatano che "kutenda kwakanaka."
Kunyanya, ngatitarisane nazvo, mabhanga anoda kuti mutengi azvipire kukutenga uye kutevera kuburikidza nekuvhara. Kana bhangi rine chikonzero chekutenda mutengi ari kutamba mitambo, bhangi icharamba chipo chekutenga . Asi pane zvimwe zvikonzero mabanki haazotengesi kubhengi kwebhangi kune chero Tom wekare, Dick naHarry.
Zvikonzero zveBhangi Hazvikwanise Kutengesa Bhengi Iripo Kwauri
Bhenari reposheni misha inowanzosvike mukeykey mamiriro.
Vakawanda vakabviswa kana kuparadzwa, uye vamwe vakavhiringidzwa nehupfumi hwekuchengetedza.
- Dzimwe Bhengi-Dzimba Dzimba Hazvikwanise Kubhadhara Mari Inowanikwa.
Mortgage underwriters inogona kukanganisa chikwereti kubva kune munhu asingakwanisi kutenga mutengo kana nzvimbo inoda basa rakawandisa kuti riwane hutano uye kuchengetedza nheyo. Mupiro wekugadziriswa wemutengesi unowanikwa ne20% pasi, zvisinei, kazhinji ucharova chipo kubva kune mutengi achiwana chikwereti cheFHA .
- FHA Kuongorora Mamiriro.
FHA vanotenga vanogona kurega kutenga mabhii repo kana kuongorora kuchida mamiriro ezvinhu. Kunyange zvazvo ichokwadi kuti mirayiridzo yeFHA yevadzidzisi yakasununguka kubva muna 2006, dzimba dzakatarwa dzinenge dzakura dzingada kuti zvakawanda zvigadziriswe . Vaongorori vanozocherechedza zvishayi zvekugezera zvisina kukwana uye kunyura, kupeta pende pamisha yekutanga-1978, isingagoneki kana kusina kashini michina yakadai sitofu.
FHA inoda kugutsikana kwekuongororwa mamiriro ezvinhu asati asvika. Asi, REO mabhandi kazhinji haazobvumiri kugadziriswa kusati kwavhara. Zvadaro, kukanda mukati mekusanganiswa kuti mabhizimusi repo vanotenga kazhinji havadi kubhadhara mari yekugadzirisa vasati vava neimba yavo.
Kurambidza K mvumo kunobatanidza nzira uye inotora nguva yakareba kuti ivhare, asi iyo inogona kushandiswa pakutsvaga kugadzirisa-kumusoro .
- Mabhangi Anosarudza Cash Buyers for Bank Repos.
Vatengi vane mari yese REO chikwereti chavanoda kutenga. Nyora-mutengo wose-mari inopiwa icharohwa kunze kwechipo chinowanikwa, kunyange kana zvipo zvinowanikwa zvinowanikwa pamusoro pematengo. Kana iyo yakarongeka yemamiriro ezvinhu ichiti "mari inotenga chete," hazvigoneki bhanhire richaona kupiwa kubva kune chero mutengi anovimba nokubhadhara mari.
Bhenji inogona kuda mutengi mari kuti aratidze uchapupu hwemari . Izvi zvinomira kunze kwekuwana kugadziriswa pane imwe nzvimbo kunze kwekuti mari iripo kare mubhangi.
Sei REO Inokweretesa Sevamwe Vashandi Vanokwereta Kutenga Bank Repos
- Kwete Kuongorora Chiitiko.
Kana bhizinesi repo risinganzwisisi pamutengo wekutenga uye mutengi ari kuwana chikwereti chinodikanwa ne20% mubhadharo pasi kana pasi, mutengi wemutengesi haazobhadhari kunze kwekuti mutengi achikandira mari yakawanda kana REO chikwereti inodhura mutengo. Vashandi vemari havaiti zvipo zvinokonzerwa nekuongorora.
- Hapana Mari Yokubhadhara Mari .
REO vanokweretesa nemari vanotenga havafaniri kunetseka pamusoro pekuvhara kwekutengesa. Vatengesi vanowanzoramba zvikwereti zvevatengi vasati vadzidza nokuti vanotengesa zvengirozi dzimwe nguva vanochinja pavanongoramba vachiongororwa. Zvichida mutengi akanga asina kunyatsoshanda basa rimwe chete mumakore maviri apfuura, zvichida mamiriro ezvinhu emari akachinjwa vasati vavhara sekunge mutengi achitenga motokari itsva kana kuti yakaipisisa, zvichida mutengi akanga asingazivi kuti akaurayiwa .
- Kurumidza Kuvhara.
Mutengi haadi mazuva makumi matatu kana makumi mashanu ekuvhara kana mutengi asina kuwana chikwereti. Kana imwe nguva kuongorora imba uye zvimwe zviitiko zvakagutsikana kana kusunungurwa, kupfigirwa kunogona kuitika mumazuva mashoma kusvika pamazuva manomwe, zvichipa mutengi achida kuisa pepa rinotungamira pepa.
Kuvhara nekukurumidza kunoisa mari muchikwata cheReO chikwereti nokukurumidza. Kunewo zvinhu zvishomanana zvinogona kuitika zvisina kunaka munguva shomanana yekukurumidza.
Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.