Momwe mungapezere kopi yakukhutira kwanyumba
Ndalama zotsekera nyumba ndi ndalama zomwe mumalipira mukatenga ngongole, kaya mukugula malo kapena kubweza ndalama. Muyenera kuyembekezera kulipira pakati pa 2% ndi 5% yamtengo wogulira malo anu pamitengo yotseka. Ngati mutenga inshuwaransi yanyumba, ndalamazi zitha kukhala zokwera kwambiri.
Ndalama zotsekera ndizo ndalama zomwe mumalipira mukatseka pogula nyumba kapena katundu wina. Ndalamazi zikuphatikiza zolipirira ofunsira, zolipirira loya, ndi malo ochotsera, ngati kuli kotheka. Ngati misonkho yogulitsa ndi misonkho ikuphatikizidwa, ndalama zonse zotsekera nyumba zimatha kuyandikira 15% ya mtengo wogulira malo.
Ngakhale ndalamazi zitha kukhala zochulukirapo, wogulitsa amalipira zina mwazo, monga komiti yogulitsa nyumba, yomwe imatha kukhala pafupifupi 6% yamtengo wogula. Komabe, ndalama zina zotsekera ndi udindo wa wogula.
Ndalama zonse zotsekera zolipiridwa pogulitsa nyumba zimasiyana mosiyanasiyana, malinga ndi mtengo wogulira nyumbayo, mtundu wa ngongoleyo, ndi wobwereketsa amene wagwiritsidwa ntchito. Nthawi zina, ndalama zotsekera zimatha kukhala zotsika ngati 1% kapena 2% yamtengo wogulira malo. Nthawi zina - zokhudzana ndi obwereketsa ngongole ndi ma agent a nyumba, mwachitsanzo - ndalama zotsekera zimatha kupitilira 15% ya mtengo wogulira malo.
Trust Deed Chitsanzo
Deed-in-eu of foreclosure (liu deed) ndi kusamutsa, ndi mwiniwake wa katundu wolemetsedwa ndi ngongole yanyumba, kwa wobwereketsa, mokwaniritsa udindo womwe waperekedwa ndi ngongole. 735 ILCS 5/15-1401. Wobwereketsayo amapeza udindo panyumbayo malinga ndi zomwe anene kapena kubwereketsa pamalopo, koma ngongoleyo simaphatikizidwe ndi dzina la wobwereketsa panyumbayo. Id. Kulandira chikalata cholowa m'malo kumathetsa udindo wa wobwereka ndi anthu ena onse omwe ali ndi ngongole yanyumba, pokhapokha ngati pali mgwirizano wotsutsana ndi womwe wapangidwa nthawi imodzi ndi kubwereketsa kwa chikalata cholowa m'malo. Id. Zomwe wobwereka angapereke ndipo wobwereketsa adzavomera chiphaso m'malo mwa kulandidwa ndizokambitsirana kwambiri ndipo zidzatengera momwe wobwereketsa amachitira. Popeza malamulo amilandu a Illinois, Wisconsin, ndi Indiana pamutuwu ndi ochepa, ndizothandiza kuunikanso malamulo aboma ndi ena aboma.
Ubwino wachiwiri kwa wobwereketsa ndikuti kulengeza, ndalama ndi nthawi yomwe ikukhudzidwa ndi njira zochitira ngongole yanyumba ndi zina zomwe zimafunika zimapewedwa, ndikutayika kwa katunduyo. Chachitatu, wobwereketsayo atha kuvomera kulipira zonse kapena gawo la ndalama zosinthira kapenanso kulingalira zandalama zowonjezera ngati ndalama zomwe zili m'malowo zikupitilira ngongole yanyumba. Komabe, ndalama zomwe wobwereketsa adzalipira nthawi zambiri zimakhala zochepa poyerekeza ndi zomwe munthu wina angalipire, ngati angapezeke. Pomaliza, wobwereketsayo angabwezere kwa wobwereketsa ufulu wochepa wokhala ndi katundu kapena ufulu wina wa katundu, monga kubwereketsa zonse kapena gawo lake, kusankha kugula, kukana koyamba, ndi zina zotero. Komabe, obwereketsa nthawi zambiri safuna kupereka ufulu wotsalawo kwa wobwereketsa kuti apeze malowo popanda chiwongola dzanja chilichonse. Ngati mwayi kapena ufulu wokana koyamba waperekedwa, wobwereketsayo nthawi zambiri amachepetsa nthawi yomwe ikupezeka kwa nthawi yochepa.
Kukhutitsidwa kwa nyumba yobwereketsa ndikofanana ndi ntchito
Mumavomerezedwa kale kuti mubwereke ngongole kuti ikuthandizeni kupeza nyumba yamaloto anu. Kenako mumayika ndalamazo, kusonkhanitsa ndalama zanyumba, kulipira wogulitsa, ndikutenga makiyi, sichoncho? Osati mofulumira kwambiri. Ndalama zina ziyenera kuganiziridwa. Mtengo wotsekawuAmatsegula zenera lotulukira. ndipo ndalama zowonjezera zitha kukhudza zomwe mwapereka, kuchuluka kwa zomwe mwalipira komanso kuchuluka kwa ngongole yanyumba yomwe mukuyenerera. Ochepa okha ndi omwe angasankhe, choncho dziwani za ndalama izi kuyambira pachiyambi.
Mukapeza malo, muyenera kudziwa zonse zokhudza nyumbayo, zabwino ndi zoipa. Kuyang'ana ndi maphunziro kumatha kuwulula zovuta zomwe zingakhudze mtengo wogula kapena kuchedwetsa kapena kuyimitsa kugulitsa. Malipotiwa ndi osankha, koma angakuthandizeni kusunga ndalama pakapita nthawi.
Musanapereke zogulira malo, chitani kayezedwe kanyumbaKutsegula zenera lotulukira.Woyang'anira nyumba amawona kuti chilichonse m'nyumbamo chikuyenda bwino. Ngati denga likufunika kukonzedwa, mudzafuna kudziwa nthawi yomweyo. Kuyang'anira nyumba kumakuthandizani kuti mupange chisankho chodziwa zambiri pakugula nyumba. Panthawi imeneyo, mukhoza kuchokapo osayang'ana kumbuyo.
Kodi chikalata chodalirika cha katundu ndi chiyani?
Kukhutitsidwa ndi ngongole yanyumba ndi chikalata chomwe chimatsimikizira kuti ngongole yabwerekedwa komanso tsatanetsatane wazomwe zimaperekedwa pakusamutsa ufulu wachikole. Obwereketsa nyumba akuyenera kukonzekera zikalata zokhutiritsa kubwereketsa nyumba zomwe ziyenera kusainidwa ndi onse omwe amagwirizana ndi ngongole yanyumba ndi chikalata chaumwini.
Mabungwe obwereketsa ali ndi udindo wokonza ndikulemba zikalata zokhutiritsa ngongole yanyumba. Njira zokhudzana ndi kukhutitsidwa kwa zikalata zobwereketsa ngongole ndi mafotokozedwe ake zimayendetsedwa ndi mayiko.
Okonza ndalama ambiri amalimbikitsa kufulumizitsa kubweza ngongole kuti mulipire ngongole yanu mwachangu. Kulipira nthawi zina - poganiza kuti wobwereketsa amalola popanda chilango - akhoza kumeta miyezi ingapo kuchoka pa ngongole yanu ndikusunga madola masauzande ambiri pa chiwongoladzanja. Njira yothandiza yofulumizitsa kubweza ngongole idzathandiza eni nyumba kupeza chikalata chokhutiritsa chobwereketsa ngakhale posachedwa.
Kukhutitsidwa ndi ngongole yanyumba kumakhalanso kothandiza ngati mwiniwake akufuna kulonjeza malowo ngati chikole cha bizinesi kapena ngongole yaumwini. Inde, ubwino wotenga ngongole pogwiritsa ntchito nyumba ngati chikole, mutatha zaka makumi ambiri mukulipira ngongole, ziyenera kuganiziridwa bwino musanachite zimenezo.
