Mapoinzi akabhadharwa pa refinancing
1. Kuvhara. Chikamu 1026.19 (a) chinoda kuburitswa pachena kwematemu ekukweretesa mune reverse mortgage transactions pasi pechikamu 1026.33 iyo inochengetedzwa nemusha wemutengi uye zvakare iri pasi peReal Estate Settlement Procedures Act (RESPA) uye yayo Implementing Regulation X. Ichavharwa ne chikamu 1026.19 (a), kutengeserana kunofanirwa kunge kuri kwemubatanidzwa une chekuita nechikwereti chemondgage pasi peRESPA. "Federal Related Mortgage Loan" inotsanangurwa muRESPA (12 USC 2602) uye Regulation X (12 CFR 1024.2 (b)), uye inoenderana nekududzirwa kweHofisi.
3. Chikumbiro chakanyorwa. Vanokwereta vanogona kuvimba neRESPA uye Regulation X (kusanganisira dudziro dzeHofisi) kusarudza kana 'chikumbiro chakanyorwa' chagamuchirwa. Kazhinji, Regulation X inotsanangura "chikumbiro" sekuendeswa kweruzivo rwezvemari nemunhu anokwereta achitarisira sarudzo yechikwereti ine chekuita ne federal mortgage loan. Ona 12 CFR 1024.2(b). Chikumbiro chinogamuchirwa kana chasvika kune mukweretesi munzira dzipi nedzipi dzinowanzotumirwa zvikumbiro: netsamba, kutumira nemaoko, kana kuburikidza nemumiriri kana bhuroka. (Ona Pfungwa 19(b)-3 yenhungamiro yekuona kuti kutengeserana uku kunosanganisira mumiriri kana bhuroka.) Kana chikumbiro chasvika kune mukweretesi kuburikidza nemumiriri mumiriri kana bhuroka, chikumbiro chinogamuchirwa kana chasvika kune mukweretesi, kwete kana chasvika kumumiririri kana bhuroka.
Mari yekunyorera inobviswa here?
(a) Tsanangudzo. Komisheni yezvemari ndiyo mutengo wechikwereti chevatengi muchimiro chemari mumadhora. Zvinosanganisira chero muripo unobhadharwa zvakananga kana zvisina kunanga nemutengi uye zvinoiswa zvakananga kana zvisina kunanga nemukweretesi sechiitiko kana mamiriro ekupihwa kwechikwereti. Iyo haisanganisi chero mari yemhando inobhadharwa mune inofananidzwa mari yekutengeserana.
1. Mhosva mukutengeserana kwemari kwakafanana. Mhosva dzinotemerwa zvakafanana pamari uye kutengeserana kwechikwereti haisi mari yekubhadharisa. Kuti uone kana chinhu chiri mari yemubhadharo, mukweretesi anofanira kuenzanisa kutengeserana kwechikwereti kuri mubvunzo kune yakafanana mari yekutengeserana. Mukweretesi anopa mari kutengeswa kwezvinhu kana masevhisi anogona kuenzanisa kubhadhariswa kune inobhadharwa mukutengeserana kwemari yakafanana nemutengesi wechinhu kana sevhisi.
C. Zvideredzwa zvinowanikwa kune rimwe boka revatengi kuti vazadzise mamwe maitiro, sekuva nhengo yesangano kana kuva nemaakaundi pane imwe sangano rezvemari. Izvi ndizvo zvazviri kunyange kana munhu achifanira kubhadhara mari kuti awane kuderedzwa, chero bedzi vatengi vechikwereti vari nhengo dzeboka uye vasingakodzeri kuderedzwa havabhadhare mari inodarika vatengi vasiri nhengo.
Mapoinzi akabhadharwa pakatengwa imba huru 1098
Vanokweretesa vanosungirwa nemutemo kuti vape fungidziro yechikwereti mukati memazuva matatu ebhizinesi rekugamuchira chikumbiro chako. Iyo fungidziro inopa rondedzero yakadzama yezvaunogona kutarisira mukuvhara mitengo. Iri gwaro ndeye TILA-inodiwa mukweretesi kuburitswa inopa kutenda kwakanaka fungidziro yemutengo wechikwereti.
Uye zvakare, iwe unogashira Kuvhara Kuzivisa 3 bhizinesi mazuva kusati kwavhara, izvo zvinokupa iwe chaiwo mitengo yemortgage uye kukupa iwe nguva yekupokana chero kusawirirana kusati kwavhara.
Rondedzero yemitengo yekuvhara inobhadharwa nemutengi zvirokwazvo yakareba, asi mutengesi kazhinji anobhadhara komisheni yeajenti yeimba, iyo inowanzoita 6% yemutengo wekutenga. Saka, kazhinji, vatengesi vanobhadhara zvakanyanya kana zvimwe kupfuura vatengi. Mari yekuvhara inobhadharwa nemari pakuvhara.
Sezvatareva, rondedzero ipfupi asi ine simba: kutumwa kweiyo real estate agent. Kana vachisaina nemumiriri wezvivakwa, vanofanirwa kuburitsa komisheni yavo, asi vatengesi vane basa rekubhadhara mumiriri wemutengi zvinoenderana nechibvumirano chavo. Sezvo inowanzobhadharwa kubva pamari yekutengeswa, kazhinji haina kurwadza kune vatengesi pane kuti vatengi vagadzirise pakuvhara.
Komisheni yekutenga chikwereti inobviswa mutero
Vamwe vanokweretesa vanobhadharisa mari yekubvisa chikwereti pakuunganidza magwaro ako, vozochaja imwe mari yekuti mumwe munhu aongorore magwaro iwayo kuti aone kana uchikodzera. Uyu munhu, munyori wepasi, ndiye ane izwi rekupedzisira kana chikwereti chikagamuchirwa kana kurambwa. Basa rako mubhizinesi remukweretesi nderokuongorora uye kutora njodzi yemari yaunopa semukwereti.
Mari dzekunyoresa dzinowanzo bhadhara akati wandei mamwe madhiri, senge chibatiso, chitupa chefashama, kuendesa kubhangi uye mutero webasa remutero. Zvimwe zvikwereti, seFHA mortgages, hazvibhadhari mari yekunyora pasi.
Vanokweretesa vanotora basa rakakosha mukuita remba uye vazhinji vanokweretesa vanovatsiva nekomisheni ye1% yehuwandu hwechikwereti. (Saka, vashandi vechikwereti vanokurudzirwa kuita mari yakawanda nekukutengesera chikwereti chepamusoro, icho chisingakubatsiri. Tinoda kuti vashandi vedu vanokwereta vatarise kukupa kukosha kwemari kwakanakisisa, saka tawana nzira yekukubatsira. vabhadhare pasina makomisheni asina musoro.
