Zvikonzero Zvakanaka Zvokutengesa Nekutengesa Pfupi
Chikonzero nei vashandi vachikurudzira mazamu madiki
Iwe uchanzwa nhema nguva dzose: "Pfupi kutengesa kudzivirira chikwereti." Icho chinongova chechokwadi.
Chikwereti chako chichaita tangi kana iwe uchinge wawa kumashure pamari yako. Nyanzvi dzinoti vashandi vanodzokorora mantra iyo pasina tsananguro vanoita zvakadaro nokusaziva kana kuzvifarira, tora iwe wako.
Pane imwechete iyo. Kana iwe usina 60-day-late kunotora chikwereti pamushumo wekwereti yako, Fannie Mae angaramba achikupa chikwereti kutenga imwe imba. Zvisinei, vanhu vakawanda vanotengesa nekutengesa kwemazuva mashoma vasipo mazuva makumi matanhatu, saka izvi zvakasashanda kwavari.
Kutengesa kutsva kunogona kukuvadza chikwereti chako . Izvi zvingasazoitika pakarepo, asi nokukurumidza kana kuti gare gare, kunze kwekuti bhangi yakabvumirana zvakananga kuti isati ichitaure kuperevedza, bhangi ringaritaurira sePatendi Factor Code 22. Icho chikonzero chinopindirana nezvakawanda, zvinyorwa zvinopesana nezvinyorwa. HAFA zvishomanana kutengesa kwegore ra2013 uye gare gare inopa imwe sarudzo kune vatengesi varipo ikozvino.
Venguva yekutengeserana kwemaimba havafaniri kupa mazano emutemo kuvatengi vanotarisana nekutengesa kana kuvimbisa vatengesi kuti chikwereti chavo hachizogadziriswi nematambudziko.
Vaya vanoomerera patsika iri vanogona kuzviwana ivo vachitarisana nehutachiona hwehutsika pasi pemugwagwa uye vachinyengetera kuti kukanganisa kwavo uye kusviviswa kweishuwarensi ichavafukidza.
Heano zvikonzero zvikonzero nei vashandisi vanokurudzira vatengesi kuti vaite zvishomanana kutengesa:
- Agent anokweretwa kubva pane zvakatengeswa kuti atengeswe zvishoma.
- Agent haabhadharwi kana mutengesi achirasikirwa neimba kubhangi nekufamba kwose kuburikidza nekufambisa.
- Kunyange kana imba yacho isati yatengesa pane kutengeswa pfupi , mujeri anowana ruzivo rusununguko (uye bhizimisi idzva) kuburikidza nekuisa mabhii, kuvhura dzimba , kutengesa uye kutumira zvinyorwa paIndaneti .
Makomborero ekufananidzira
Kunyange zvazvo kupfuura kuburikidza nekufananidzira kunowanzorwadza uye kunonyadzisa vatengesi, kune zvipo zvinobatsira:
- Hapana chikwereti chekubhadhara kuita.
- Kufambisa mberi kunotora mwedzi kuti upedze.
- Imba yacho ichiri yako kusvikira kubviswa kwekupedzisira.
- Hapana vatorwa vari kutengesa mumusha wenyu.
- Mabhangi dzimwe nguva anopa mari yekiyi shure kwekutengeswa kwevanhu vose.
Zvimwe Zvisinganzwisisiki Kuenda Kunopera
Vanhu vashomanana, kunze kwevatengesi vanosarudza kutenga uye bhaari , vanonyatsoda kuziva. Mhemberero dzinoitwa mumusha, uye kurasikirwa kunogona kuparadza hope dzamangwana. Heano zvimwe zvipingamupinyi zvinotangira :
- Iko kodzero yeimba pamba inenge yakabviswa.
- Varidzi vepamba vanodzoka kumusika wokutora semuvakidzani.
- Bhengi inogona kutumira Chinyorwa cheShamba yeVanhu pamusuo wako.
- Chikwereti chako chinotora dive yemhino, uye kufanirwa kuchasara pahupoti yako yechikwereti kwemakore gumi.
- Pasi pemitemo ye Fan Fan, pasina kushandura mamiriro ezvinhu, hauzokwanisi kutenga imwe imba kwemakore manomwe.
Batsirwa Nekutengesa Pfupi
Zvechokwadi, iwe uchaita kuti imba yako yemugoti inofara nokuti vatengi vanofara kutora mazita. Asi zvakadini newe? Chii chaunowana kubva pakutengeswa kwechidimbu?
- Ramba uine chiremera pakuziva kuti iwe wakatengesa imba yako.
- Iwe hauzotambudziri kushorwa kwevanhu munharaunda yezwi "F": kufanirwa.
- Hapana mari yekubhadhara mari yekuita, kunze kwekuti iwe ukasarudza kuzviita.
- Iwe unogona kusangana nevaridzi vatsva.
- Iwe uchave wakakodzera, pasi pemitemo ye Fan Fan, kutenga imwe imba mumakore maviri pane makore mashanu kusvika ku7.
- Kana mushumo wenyu wechikwereti usingaratidzi mazuva makumi matanhatu emazuva mashoma ekubhadhara, pasi pemitemo ya Fannie Mae, iwe uchakwanisa kutenga imwe imba pakarepo.
Dhairiko kuTengeswa Pfupi
Iwe unogona kuwana zvimwe zvipingamupinyi zvakafanana sekutangira, asi zvingaratidzika kunge zvisinganyanyi kuoma.
- Kumirira kubhengi kuti zvipindure kune chipo kunogumbura.
- Bhengi ichada kuongorora zvinyorwa zvemunhu zvakadai sekubhadhara mutero, mabhengi maakaunti, zvinhu uye zvikwereti, kunze kwekukumbira tsamba inonetsa kubva kwauri.
- Kugadziriswa nevatengi kunoreva kurega imba yako isina chimiro kwemasvondo kana mwedzi kusvikira mupiro wawakagamuchirwa uye uchisimudzira kufamba mumugwagwa wako.
- Hapana hunovimbiso bhangi ichabvuma kutengeswa kutsva.
- Chikwereti chinonyadzisa chicharamba chiri pamushumo wako wechikwereti kwemakore manomwe.
Kune vatengesi vakawanda, kunyange zvakadaro, mukana wekutenga imwe imba mumakore maviri ndiyo inonyatsokurudzira kuita zvishomanana kutengesa. Vamwe vatengesi vanokodzera kuti vatenge zvakare mune mamwe mazwi. Chikwereti chakanaka chekwereti chinogona kubvisa chikwereti chakashata mushure memaviri maviri, kunyange zvazvo kushorwa kuchasara.
Panguva yekunyora, Elizabeth Weintraub, BRE # 00697006, ndiye Broker-Associate kuLyon Real Estate kuSacramento, California.