Zvinyorwa Zvokutenga Foreclosures

Mamiriro Edzimba Dzakafanotaurwa

Mutengo-unoziva kumba vatengi vanokwezva kuti vatenge kutengesa zvishoma nezvitengo zvepasi zvakashambadzirwa zvezvivako mukuvhara. Vanotarisira kuratidzira ku-auction uye kukunda chikwata chepasi. Kunyangwe zvinopesana nevanowedzera. Uyezve, mazhinji emisha iyi haisipo kuongororwa asati atenga uye mari inowanzova mutero unogamuchirwa chete. Icho chakanaka here kutenga imba iyo iwe haugoni kuongorora?

Zvinogona kuva kana mutengo wacho wakaderera zvakakwana kuti ukwanise kukubhadhara iwe wehuwandu hwebasa raigona kudiwa kuti uunze mamiriro eimba kuti atengese maitiro.

Asi kutanga iwe unofanirwa kurova mararamiro anowanzotungamira zvinhu izvi.

Usati washanyira mberi kunotenga chinyorwa, rega kufunga nezvimwe zvezvipingamupinyi nemigumisiro kana iwe usingagoni kupinda mumba kuti uongorore mukati. Funga nezvemari yekugadzirisa kukanganisa kana kuvandudza pamba pamusana pemutengo wepasi. Iwe unogona kunge uri nani pakutenga imba yekugadzirisa kubva kune mutengesi wenguva dzose. Uyewo, bhagheni hainetseki nezvemamiriro emba uye haichawanzoshandurwi kana kubhadhara kune zvakakanganisika.

Usati Uchitenga Zvishoma, Tsvaga Ndiani Ari Kurarama Pamba

Kana iyo iyo inotorwa, mupi wekutengesa inowanzoita basa rekubvisa vashandi, avo vangave vasati vambova varidzi. Vanogona kunge vari hama kana shamwari dzevanini, renters kana squatters. Iwe unogona kunge uchivadzinga.

• Kana iwe usingazivi nezvekudzingwa, iwe unofanirwa kutenga gweta kuti uzviitire iwe.

• Ngwarira kuti vashandi vanopomerwa kuti vakudzingwe dzimwe nguva vanotsiva.
• Nzira yekugadzirisa iri nani inogona kunge iri kubhadhara kana kupa chiokomuhomwe avo vanogara kuti vaende.

Asina Mumiriri Akachengetwa Musha Wakafananidzwa

Imwe yakadaro musha muYolo County, California, yakabhadharwa kune murume nomudzimai anokanganisika: uyo aimbova ane mhosva achangobva kusunungurwa pahurukuro uye shamwari yake ne sketchy chikwereti, uyo akazununguka nenzwi guru semunhu anonyadzisira.

Mutengesi, asingazivi kuti chiito chake chekuvimba chakange chiri ne "mugove wezvikwereti" - kureva kuti chikwereti chaiva nekodzero yekutora chikwereti kana muridzi wacho asina kubhadhara - akamira kubhadhara mari yake yegorosi uye haana hanya zvikuru uyo waakabvarura kusvikira chero zvavakamubhadhara. Aine chido chakakwana chekukanda mari yacho uye akanganwa nezvemari yake yekutora chikwereti , mutengesi akaronga mari yekutengesa. Mushandi wake akaita chiedza chekutanga chekuwana pamba. Iyo yekare-con, neo-Nazi-yakagadzirwa nemusoro wakaveurwa, maziso makuru uye kubata shure kwechibhakera chinoputika, yakarongedzwa nemusuo ndokubva yaiputira muchiso chemuenzi.

Nokukurumidza apo chiratidzo cheShow For Sale chakasimwa mumucheka, varimi vakamira kubhadhara renhi. Haasi iyo chikwereti kana mutengesi aigona kutora mari kubva kuvarimi. Mutambi wacho aisagona kuratidza imba yacho. Uyu waiva mamiriro akaipa. Mutengi (uyo akabata zvose chikwereti chekutanga uye chechipiri) akaiswa mukutemera uye akapikira kupa kukanganisa kutongwa kune mutengesi, iyo vaduku vaduku vanogona kuita muCalifornia kana zvikwereti zvisiri kutenga mari.

Mamiriro Edzimba Dzakatarwa

Nemhaka yokuti dzimba idzi dzinotengwa "sezvazviri" kubva kune chikwereti kana HUD, hapana chivimbo chechimiro. Dzimwe nguva zvinokwanisika kutarisa dzimba idzi tisati taita chipo asi dzimwe nguva, semuenzaniso wepamusoro weimba muCalifornia, kuwanikwa hakubvumirwi.

Apo vatengesi vanoziva kuti vari kuda kuparadzwa nemisha yavo kuburikidza nekufananidzwa, hazvisi zvisizvo kwavari kuti varege kutarisira imba.

• Kana chimwe chinhu chinoputsa kana kusagadzikana, havazogadziri.
• Kana vakatsamwa kana vakatsamwa zvakakwana, zvinogona kuti vangave vaparadza zvachose imba. Nzira inobatsira yekuzadza imba yacho ndeyokushandura mabheji ose emvura, kuvhara mvura uye kubuda. Vamwe vanobvarura masvingo, uye vanobudisa kunze kwepombi dzemhangura uye wiring kuti vatengese sesimbi yakasvibirira.
• Vadzidzisi vachabvarurawo zvigadziro uye vachitengesa midziyo, kunyange makabati emuchikoni.
• Zvimwe zvinotyisa-zvikonzero-zve-vanhu kunyange kutosiya mhuka shure, zvakakiyiwa mukati pasina zvokudya kana mvura.

Kutenga foreclosures haisi yevashambadziri vanoshamisika kana vasina ruzivo. Zvakanakisisa zvinotarisirwa nehutano uye hazvibvumirwi kuti vatengi venguva yekutanga vatengesi vadzo .

Handina hanya neminamire yaunopinda nayo - kana ikusakupa ruzivo urwu, haisi kugadzirira iwe kuti ichokwadi.

Ndinoziva nezvemisha yakatengesa seforeclosures muCalifornia iyo yakanga isina chinhu kune gore rinopfuura. Vakanga vakagadzirira uye mushu hwakanga hwava. Apo mabhenji anotumira kune makambani anokweretwa kuti awane imba, vanowanzovhara mvura uye vobva vasara mushure mushure mokuora. Nokuti pakupedzisira ichaoma uye mumwe mutengi asingatarisirwi achauya ndokutenga. Kana bhizinesi risina ruzivo rwekuumba, hazvidi kuzarura izvo zvisingagoni kuziva.

Uyezve, vanhu vanoda kutenda mabhengi mapenzi kana kuti mabhanhire haanzwisisi zvinhu chaizvo zveimba. Izvozvo hazvina kururama. Mabhandi anonyatsonzwisisa zviito zvavo. Vanobhadhara vatungamiri venyika kubva kuYale neHarvard. Ndiyo mutengi uyo anowanzopambwa.

Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.