Dzimwe Dzimba dzeBhangi-Dzimba Dzimba dzisina Kudzorerwa
Chinhu chekupedzisira kumba vatengi vanoda kuita ndechokuti varasikirwa nemari yavo yakasimba pavanotenga imba yebhanji . Bhizinesi-owned transactions, inonzi REOs, inotarisirwa zvakasiyana nedzimwe nguva dzekutengesa zvivako.
Kuita kuti zvinhu zviwedzere kunakidza, pane kuwirirana zvishoma pakati pe REO vatengesi sekuti kutengesa kwega kwega kunotorwa sei. Pane imwe tsvimbo yakawanda, zvisinei, pakati pekutengeserana kwekutengesa ndinobata mu Sacramento, uye iyo ndiyo kusimbiswa kwokuti mari yakanyatsochengetwa inoshandiswa sei.
Nzira Yakakosha Mari Inoshandiswa Inobatwa Nekutengeswa Nguva Dzose
Nzvimbo dzakawanda dzekutengeserana kwemahotera muCalifornia dzinoshandiswa zvakafanana, uye dzakafanana munyika yose. Mutengi anoita mari yakawanda mari yekubhadharwa kutengesa, zita kana reimba yekutengesa, uye inotsiviwa kune mutengi munguva yekuongorora.
Zvisinei, zivai kuti mari yakasimba mari yakachengetedzwa haisi kudzokera kune mutengi kusvikira zvigadziriswa zvikwangwani zvakasayirwa nevose mapato. Dzimwe nguva nharo dzinomuka, uye izvo zvinogona kunonoka kubhadharwa.
Kutenga imba kumatare anotsika paunotengeswa kwakasiyana kusiyana nekutenga imba yebhanji kana kuburikidza nebhangi kana kushandisa masangano eimba yeimba. Ichi chinyorwa hachina kushandiswa kune zvinyorwa.
Mazano Okubata Nezvemari Mari Yakachengetwa Pamabhangi-Ane Madzimba
Mabhangi haadi kutora hafu nenzira yekuzorora chete kuti aone kuti mutengi akanga asina kunyanya kukoshesa nezvekutenga kuzarura .
Nokudaro, mabhangi anoda kugadzirisa kudarika-kubuda / kuregererwa kwehuwandu uye achaita zvaanoda mukutaurirana kwechibvumirano chebvumirano. Heano mazano ekubata ne REO vatengesi:
- Ita Mari Yakagadzikana Imari Inobhadharwa Kubhuku kana Escrow.
Kana iwe ukaita mari yako yakabhadhara mari inobhadharwa kubhadhara, uye iyo check inowanikwa mubhuku rekutenda, kubhadharwa kunotarisirwa kumirira mari kuti igadzirise usati watanga cheki kune kambani yenyaya. Bhengi haigoni kumirira kubvumirana.
Bhengi ingangosimbisa kuti cheki inotumirwa kune musoro, saka zviponese kushungurudzika uye uzviise kune "chitupa kana kambani yekucheka," iyo iyo inogona kuzadzwa munguva inotevera. Izvi zvinodzivirira kubhadharisa mari kubva pakuisa cheki.
- Mari Inofanirwa Kuva MuAngeri yeAngeri Kuvhara Check.
Mune rimwe mutengesi, bhangi rakatsigira kuti mutengi aendese cheki kuti aende, uye mutengi akazviita. Zvisinei, akanganwa kuendesa mari kubva kubhesi yake yekuchengetedza kuti avhare cheki. Izvo zvakashamisika.
Inyanzvi yekunyora uye maneja weassetsi yakasimudzira mutengi nokukurumidza kusungira mari. Mutengi akaenda kumabhanga ake musi weChishanu ndokusvitsa mari, asi bhangi rakasvibiswa uye harina kutumira tambo. Uyu mutengi akada kurasikirwa neimba yake yebhangi nokuti bhangi yaida kubvisa chikamu chacho. Mukushushikana, akasiya zvibvumirano zvake zvose zvekambani kuti azvichengetedze, uye bhangi rakagamuchira tambo neMuvhuro unotevera.
- Gadzirira Kuisa Mari Yakagadzirisa Mari Inoshandiswa neCashier's Check Upon Offer Acceptance.
Mamwe mabhengi achange achida kuti mutengi atore chikamu chemari chepakuvimbika chekutanga nemutori wekashiashi. Kana mabhengi ako ebhengi akaitwa kunze kwemasangano ehurumende, iwe unogona kunge usingakwanisi kuwana cheki yekasi pakarepo.
- Iva Wakagadzirira Kuona Pakarepo Overnight iyo Inobhadhara Mari Imari kuBhandi yakarongwa Gwaro kana Escrow Company.
Tsvaga kuti ndiani ari pedyo nevatakuri veusiku aripo. Dzimwe nguva, makambani ekukwezva achakubvumira kushandisa kambani yavo kutumira mari, saka bvunza, asi iva nechokwadi chokuti iyo mari inotumirwa usiku humwe kuitira kutora zuva rinotevera. Tambira risiti yezvinangwa zvekutsvaga kana kana cheki isingaratidziki panguva.
- Kukurukurirana Mari Yakabhadhara Mari Dheyo Pasi Pakati Pekuda Kwemadiki Madzishe Court.
Kana zvakanyanya kuitika uye iwe unopera mudare, zvinowanzokurumidza kutora nyaya yako kune Small Claims Court. Zvisinei, madiki madzima madzimai anotora mitsara pamutengo waungapa nyaya. Kana iwe mari yako yakanyatsoisa mari inodarika chikamu chakanaka chakaiswa nedare uye iwe uchiri kuda kutsvaga chiito mu Small Claims Court, haungagamuchiri chikwereti chose kana iwe uchikunda.
Chimbofunga Kufambisa Kwemari Zvakananga. Izvi zvinoshandiswa muzviitiko zvakawanda. Ngwarira nemirayiridzo yehutambo, uye sidza kuti uonekwe nekambani kana kambani yekucheka iyo mirayiridzo inoshanda. Vamwe vanokanganisa kuvhara, vanotumira mazano avo ekutengesa uye vanobvisa nemari yenyu.
- Nguva Yako Kutaurirana Kwekusakodzokodzwa Kwakawanda Mari Inosara.
Nemhaka yokuti mamwe mabhangi achaita kuti mari yako yakawanda igare isina kubhadhara, unogona kuronga kuongorora kweimba yako pamashoko ekugamuchirwa kwekupa kwako. Iwe unogona kunge uine maawa masere anopfuura makumi maviri kuti uite izvi kuongorora, saka sarudza vatariri vako kare uye uve wakagadzirira kuita maminitsi ako mugoveri wako anokuudza iwe kupiwa kuchagamuchirwa.
Nenzira iyi, iwe uchange uine mahofisi ako akapera usati wasununguka mari yakanyatsoiswa mari. Ichakuponesa marwadzo mazhinji uye kushungurudzika kana uchiziva kuti iwe zvechokwadi unoda kupfuurira nekutengeserana usati wapiwa mari.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.