Yemwe amatumiza chikalata chobwereketsa nyumba
Mawu awiriwa ndi ogwirizana kwambiri, zomwe zimabweretsa kusatsimikizika kwakukulu pakutanthauzira kwawo komanso kusiyana kwawo. Kumvetsetsa mawuwa kungakuthandizeni kuyendetsa bwino ntchito yogula nyumba.
ProcessKuti timvetsetse bwino mutu ndi zolemba, tiyeni tiwone momwe mawu awiriwa amagwiritsidwira ntchito. Panthawi yotseka, "kufufuza mutu" kudzayitanidwa. Uku ndikufufuza zolemba za anthu zomwe zimakhudza umwini (mutu) wa katunduyo.
Kenako wokhometsa msonkho adzakonza zikalata zonse ndikukonza zotseka. Pakati pa zikalata zotsekerazi pali chikalatacho. Potseka, wogulitsa amasaina chikalatacho, kusamutsa udindo ndi umwini wa malowo. Kuonjezera apo, wogula adzasaina kalata yatsopano ndi ngongole yanyumba ndipo ngongole yakale idzalipidwa.
Kodi chikalata changa chobwereketsa nyumba chili kuti?
Anthu akamalankhula za kugula nyumba, nthawi zina amagwiritsa ntchito mawu oti "kusaina" ndi "kutseka" mosinthana potengera zomwe ogula asayina ndi Escrow. Komabe, pali zochitika zingapo zomwe zimachitika pakati pa kusaina kwa wogula ndi kutseka kwenikweni kwa malonda a nyumba ndi nyumba. Tiyeni titenge kamphindi kuti tiwunikenso ndondomekoyi.
Zikalata zangongole zikasainidwa, wobwereketsa amazipereka kwa wobwereketsa kuti awonenso. Wobwereketsayo akakhutitsidwa kuti zikalata zonse zofunika zasainidwa ndipo zonse zomwe zatsala zangongole zakwaniritsidwa, wobwereketsayo azidziwitsa escrow kuti ndiyokonzeka kubweza ngongoleyo ku escrow. Atalandira kusamutsidwa kuchokera kwa wobwereketsa, wothandizira escrow amaloledwa kutumiza zikalata zosamutsira ku chigawo cha zolemba zawo. Nthawi yobwereza nthawi zambiri imakhala maola 24 mpaka 48.
Kugulitsa nyumba ndi nyumba ku State of Washington komwe kumakhudza kusamutsidwa kwa umwini kumafunikira misonkho yapadera. Ndalama zonse zamisonkho ziyenera kulipidwa boma lisanalole kuti Deed of Title ilembedwe.
Ndikalandira liti ntchito yanga ndikatseka?
Umboni uyenera kukhala wopitilira zaka 18, wosakhala wachibale, osakhala nawo pachiwongola dzanja, komanso asakhale pamalopo. Kutengera yemwe wabwereketsa watsopanoyo ndi, mlangizi wobwereketsa nyumba sangakhale mboni yovomerezeka.
Ngati chikalata choyambirira chobwereketsa nyumba sichinasainidwe bwino kapena kuchitiridwa umboni, kapena sichinalandiridwe bwino, tingafunike kutulutsanso mtundu watsopano wa chikalatacho. Chonde onani chitsanzo chomwe mudzakhala mutalandira, chomwe chingakuthandizeni kumaliza bwino chikalata chobwereketsa nyumba.
Ngati muli ndi malo obwereketsa omwe abwerekedwa, sitiwayika ngati "okhalamo" popeza akukhala pamalopo mobwereketsa. Ngati tikufuna zambiri, pakhala gawo lina la mafunso otiuza za alendi anu.
Pamene chikalata cha mortgage chasainidwa
Kutsekera nyumba ndi ntchito yovuta. Kuyambira kulongedza katundu wanu kupita kumalo oyandikana nawo ndikuonetsetsa kuti zolemba zanu zonse zakonzeka, pali zambiri zoti muchite. Kuti ndondomeko yotseka ikhale yotheka, ndi bwino kutenga nthawi kuti mumvetse zikalata zotsekera kwa wogula. Nkhaniyi ikuthandizani pamapepala omwe mungakumane nawo kuti mupewe zodabwitsa.
Musanatseke, muyenera kupatsa wobwereketsa umboni wa inshuwaransi ya eni nyumba. Obwereketsa amafuna kuonetsetsa kuti nyumbayo ili ndi inshuwaransi, kotero kuti ndalama zawo zimatetezedwa ngati chinachake chikuchitika kunyumba. Muyenera kulumikizana ndi kampani yanu ya inshuwaransi masiku angapo musanatseke kuti muwonetsetse kuti ali ndi zolondola panyumbayo ndipo atha kupereka umboni wa inshuwaransi kwa wobwereketsa.
Mawu otsekera amafotokoza zonse za ngongoleyo, kotero mumadziwa zomwe mudzalandira mukasayina ngongole yanyumba. Mwalamulo, ogula nyumba ayenera kulandira kope la Kuwulura Kotseka osachepera masiku atatu asanatseke.
