Chiziviso cheKodzero yekukanzura pdf
Kushivirira kweMortgage kwabatsira mamirioni evaridzi vedzimba vekuAmerica vari kunetsekana nekurasikirwa kwemari yekugara mudzimba dzavo. Hurumende yemubatanidzwa ichangowedzera zororo, ichibvumira varidzi vedzimba kuti vambomira kubhadhara mari dzemba kusvika mwedzi gumi nemishanu, kubva pamwedzi gumi nemiviri yekutanga. Asi kune vamwe vanasaimba, rubatsiro urwu runogona kunge rusina kukwana. Vanongoda chete kubuda muchikwereti chavo.
Kana iwe uchinzwa kuda kutiza chikwereti chako nekuti haugone kubhadhara, hausi wega. Kubva munaMbudzi 2020, 3,9% yezvikwereti zvembavha zvakange zvanyanya, zvichireva kuti angangoita mazuva makumi mapfumbamwe apfuura, sekureva kwekambani yedata redzimba CoreLogic. Huwandu hwehutsotsi hwakapetwa katatu kupfuura mwedzi mumwe chete muna 90, asi hwakadzika zvakanyanya kubva padenda repamusoro re2019% muna Kubvumbi 4,2.
Nepo kurasikirwa nebasa kuri iko chikonzero chinoita kuti varidzi vemba vatsvage nzira yekutiza imba, haisiriyo chete. Kurambana, mabhiri ekurapwa, kuenda pamudyandigere, kutamira kune imwe nzvimbo kune chokuita nebasa, kana kuti kadhi rechikwereti rakawandisa kana chimwe chikwereti zvinogonawo kuva zvinhu izvo varidzi vemba vangada kubuda mazviri.
Kupihwa nekunyoreswa kwemagwaro kunoitwa ne
Mumwe nemumwe wevaridzi vemubatanidzwa anogona kukumbira kubviswa kwehukama hwemubatanidzwa wechinhu chakafanana. Kana varidzi vemubatanidzwa vakabvumirana nezvechinangwa chavo chekukanzura hukama pamwe chete uye nenzira yekudzima hukama hunoshandiswa, varidzi vemubatanidzwa vanogona kupedzisa chibvumirano pahofisi yemunyori. Muchiito che notarial, mucherechedzi achabatanidza mitemo yekuparadzanisa kubva pane zvakabvumiranwa nevanofarira. The notarial deed ichabatanidzawo kubhadharana. Veruzhinji vachatangawo maregistries ezvivakwa nemortgage yeimba yacho, kana isipo, kana kupinda varidzi vatsva munzvimbo dziripo dzezvivakwa nemortgage registry
Kana mazuva asina kunaka pachiziviso chekukanzura, ndiani anosaina shanduko?
Hazvishamisi kuti mamortgages akawanda aoneke pane yazvino land registry extract. Nokudzidza kuverenga nguva zvakanyanya, zvinogona kuitika kuti chikwereti chakanyoreswa nemuridzi wekare, semuenzaniso. Dzimwe nguva kunyange kubva kumugadziri wemidziyo.
Kana kuti, kana chiri chikwereti chemuridzi pachake, kushamisika kukuru kunomuka padivi pemuridzi. Hazvishamisi kunzwa mashoko akadai seaya: “Chikwereti chedu chabhadharwa kwemakore, nei chichiri kunyorwa mubhuku redzimba?
Bvunza bhangi rako kuti ripe Gwaro Rekubvisa Mortgage. Iva nechokwadi chekuti gwaro iri raunzwa panzvimbo yekunyoresa. Hapana chimwe chezvinhu izvi chinongoerekana chaitika. Iwe unofanirwa kubata nazvo kana kuita kuti gweta kana agency zvikuitire iwe. Izvi zvinosanganisira mari, mitero uye mari dzinofanira kubhadhara muridzi.
Chete apo chibvumirano chekuregererwa chinodzoserwa neregistry yevhu nechinyorwa chekugadzirisa, iyo mortgage yakabviswawo kubva kune registry yenyika. Mune yehunyanzvi jargon inoti: iyo mortgage yakanzurwa.
Anogona here kusaina magwaro emortgage?
Zviri nani kuti ubvunze mucherechedzi usati wasaina vimbiso yekutengeswa kwenzvimbo yawakaisa ziso rako. Nenzira iyi iwe unogona kubatsirwa kubva kune zano reiyo real estate mutemo nyanzvi uyo, pasina kupokana, achakwanisa kuita mazano pamusoro pegwaro.
Chipikirwa chekutengesa zvinokusunga iwe kumutengesi, saka unofanira kuchiremekedza. Iwe unogona chete kugadzirisa zvirevo kana kukanzura nemvumo yerimwe bato, saka zvakakodzera kubvunza mucherechedzo zvisati zvaitika.
Izvo zvakakoshawo kusiyanisa pakati pekutenga-kubatsirwa nemumiririri uye kutenga wega. Munyaya yekutenga kwega, zvingave zvakakosha kubvunza mucherechedzi usati waita chivimbiso chekutengesa. Kune rimwe divi, kana mumiriri wezvivakwa akapindira, chinangwa chekubvunza chingave chakasiyana.
Kana vimbiso yekutenga yasainwa, mucherechedzi anoongorora mazita ezvivakwa akasungirirwa pamudziyo (zviziviso zvekuva muridzi, zviyereso uye magwaro embanje evaridzi vekare, uye kubhadhara kwemitero yezvivakwa uye kuvharwa kweinishuwarenzi). Izvi zvinokudzivirira kuti uvhare mutero wechikoro kana wekanzuru wakasiiwa usina kubhadharwa nevaridzi vekare, uye uchaona kuti nzvimbo yacho haina zvirevo.
