Zomwe zingawonongeke pambuyo pa kubwereketsa ngongole
M'chigawo cha California, "CLOSE" escrow ili ndi tanthauzo losiyana ndi momwe imachitira m'maiko ena ambiri. Liwu lapaderali likuwoneka kuti likuyambitsa chisokonezo chachikulu, zomwe ndizomveka, poganizira momwe tanthauzoli lingakhalire losiyana kuchokera kugulu kupita kugulu. Ku California, pamene chiwongoladzanja "chatsekedwa" mwalamulo, zikutanthauza kuti ndi tsiku limene chikalata chopereka chithandizo chimalembedwa mu ofesi ya wolemba chigawo, ndipo chimakhala pagulu. Mwachindunji, "kutseka" ndi nthawi yomwe chikalata chopereka chithandizo chalembedwa ndi kalaliki wachigawo. Iyi ndi nthawi yomwenso katunduyo amasintha manja kuchokera kwa wogulitsa kupita kwa ogula, omwe tsopano ndi eni ake atsopano.
Ngati mukuchita nawo malonda a escrow ku California, ndikofunika kudziwa kuti "kutseka" si tsiku limene wogula amasaina zikalata za ngongole. Chifukwa obwereketsa ena omwe timachita nawo amakhala okhudza dziko lonse, nthawi zina amagwiritsa ntchito mawu oti "kutseka" akamanena za wogula kusaina zikalata zangongole, popeza ndiwo mawu omwe amagwiritsidwa ntchito m'maiko ambiri kunja kwa California. Kuphatikiza apo, "Kutseka" sikukutanthauzanso tsiku lomwe Wobwereketsa amapereka ngongole yanyumba kwa Wogula. Tsiku limenelo limangodziwika kuti tsiku la "Ndalama". Ndalama zimachitika tsiku lisanafike tsiku lotseka, pokhapokha ngati zolembazo zakhazikitsidwa kuti zilembetse 'zapadera' kapena 'tsiku lomwelo', koma ndi nkhani ina yonse. Wasokonezeka kale? Ndi zomveka. Escrow terminology ndi chilankhulo chake, ndipo kuyesa kuwerenga ndikuyerekeza kuli ngati kuyesa kumvetsetsa malangizo a msonkhano wa Ikea mipando. Khalani mmenemo, ndipo nthawi zonse muzikumbukira kuti wothandizira wanu wa escrow alipo kuti akuthandizeni. Timamvetsetsa bwino lomwe kuti tiyenera kukufotokozerani zinthu zomwezo mobwerezabwereza, mpaka zitamveka. Iyi ndi gawo la ntchito yathu ndi udindo wathu kwa makasitomala athu, ndipo sizovuta konse.
Kuwonjezedwa kwa gawo la ngongole yanyumba
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Zopereka zomwe zikuwonekera patsambali ndi zochokera kumakampani omwe amatilipira. Kulipiridwaku kungakhudze momwe zinthu zimawonekera patsamba lino, kuphatikiza, mwachitsanzo, momwe zingawonekere m'magulu amndandanda. Koma kubweza kumeneku sikukhudza zambiri zomwe timafalitsa, kapena ndemanga zomwe mumawona patsamba lino. Sitikuphatikiza dziko lonse lamakampani kapena zopereka zandalama zomwe zingapezeke kwa inu.
Ndife odziyimira pawokha, ntchito zofananira zothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Zimatenga nthawi yayitali bwanji kuchokera pakuvomerezedwa ndi ngongole yanyumba mpaka kumaliza
Kutseka ndi sitepe yomaliza pogula nyumba. Ndilo tsiku lomwe ntchito yogulitsa nyumba imamalizidwa ndipo kutumiza komaliza kwa ndalama ndi makiyi kumachitika. Pamapeto pa kutseka, mudzakhala ndi nyumba yatsopano.
Nthawi zambiri kutseka kumatenga pafupifupi ola limodzi kuti mugulitse kapena mphindi 30 kuti muwonjezere ndalama, koma izi zimatha kusiyana. Kutseka panyumba ndizochitika zosintha moyo: pamapeto pake mudzakhala mwini watsopano kapena kukhala ndi nyumba yatsopano. Sichinthu chomwe chiyenera kuthamangitsidwa nthawi ya chakudya chamasana. Onetsetsani kuti muli ndi nthawi yokwanira yochitira msonkhano uno ngati sukuyenda monga momwe munakonzera ndipo pakufunika kuwonjezedwa.
Macheke omaliza asanapereke ngongole yanyumba
Mu Epulo 2022, nthawi yapakatikati yotseka ngongole yanyumba inali masiku 48, malinga ndi ICE Mortgage Technology. Koma obwereka ambiri amatseka mwachangu. Nthawi yeniyeni yotseka imadalira mtundu wangongole komanso momwe kuvomera ngongoleyo kulili kovuta, mwa zina.
"Nthawi zotsekera zimasiyanasiyana, chifukwa mayiko ambiri amabweretsa ngongole zomwe nthawi zambiri zimatenga nthawi yayitali kuti zitseke kuposa ngongole wamba, monga ngongole za VA ndi HFA," akuwonjezera Jon Meyer, katswiri wa ngongole ku The Mortgage Reports komanso MLO yemwe ali ndi chilolezo. "Obwereka ambiri amatha kuyembekezera kutseka pangongole m'masiku 20 mpaka 30."
Kaya ndinu ogula koyamba kapena munagulanso nyumba yatsopano, muyenera kuganizira zakusaka kwanu. Mufunika chopereka chovomerezeka kuti ngongole yanu ivomerezedwe, kotero simungathe kuyambitsa ndondomekoyi mpaka mutapeza nyumba yomwe mukufuna. Izi zitha kuwonjezera mwezi wina kapena iwiri ku kalendala yanu.
Kuvomerezedwa kumatanthauza kuti wobwereketsa amavomereza mbali zonse za ngongole yanyumba, kuwonjezera pa katunduyo. Mukakhala ndi mwayi wovomerezeka, wobwereketsa wanu ali ndi chiyambi chachikulu pakuvomereza kwanu komaliza.
