Mortgage deed
Chengetedzo kana kuti quitclaim deed inotamisa zita kana muridzi wezvivakwa. Paunotenga chivakwa, unowanzo gamuchira waranti yedhidhi kubva kumutengesi kuratidza kuti ndiwe muridzi weimba yacho. Kana iwe uchitora chikwereti kuti utenge chivakwa, iwe unowanzo kusaina gwaro rekuvimbisa huwandu hwechikwereti uye gwaro rekuvimba, iro, muColorado, ndiyo "lien" kana "mortgage" inochengetedza kubhadhara kwechivimbiso. kumukweretesi. Paunobhadhara chikwereti, mukweretesi anokumbira kuti mutongi weruzhinji asunungure gwaro rekuvimba. Kana iwe ukatadza painoti yepromissory, unogona kunge "usina kurongeka" pachikwereti chako uye mukweretesi anogona kukumbira mutongi weruzhinji kuti aite chibvumirano chekuvimba.
Deed pamberi pemubati wemortgage
Kutengwa kwenzvimbo kunowanzo kuperekedzwa nekuwanda kwemapepa. Inogona kunge iri nzira inovhiringidza, kunyanya kana zvasvika pakuziva mutsauko pakati pezvinyorwa zvese zvinoda kusainiwa. Nekudaro, kana paine chibvumirano chimwe chakakosha kunzwisisa, ibasa rekuvimba.
Zvichienderana nemukweretesi wako uye nyika yaunogara, ungangoda kana kusada gwaro rekuvimba paunenge uchipa mari yekutenga imba. Hezvino izvo zvaunoda kuziva nezvekondirakiti iyi uye kuti yakasiyana sei nehomwe.
Paunopa mari yekutenga imba, unosaina chikwereti chemba kana gwaro rekuvimba, asi kwete zvese. Unogona kutora mari yembavha mune ese makumi mashanu eUS nyika, nepo trust deed inongowanikwa mune dzimwe nyika.
Kana iwe ukatengesa chivakwa usati wabhadhara, mutirastii achashandisa mari yekutengeswa kubhadhara mukweretesi mari yasara (iwe unochengeta purofiti). Kana iwe ukatadza kubhadhara zvisungo zvako uye ukarega kubhadhara imba yemba, iyo pfuma ichapinda mukufanovharwa uye trustee achaitengesa.
Unogona here kuva pagwaro uye kwete pachikwereti chemba?
Zvisingazivikanwe nevaridzi vazhinji ndezvekuti kune marudzi mazhinji ezviito uye nhanho dzekudzivirira dzinosiyana. Asi tisati tapinda mune tsananguro iyoyo, ngatitore nhanho kumashure uye tienzanise gwaro nezita renzvimbo.
Izvi zvinovimbisa mutengi nhoroondo yese yenzvimbo, kureva kuti, inovhara zviito zvinoitwa nevaridzi vese vekare vanoonekwa pazita. Irwo rudzi rwechiito chinopa dziviriro huru kumutengi. Nekuita kune general warranty deed, mutengesi ari kuvimbisa kuti hapana zvikwereti zvinopesana neimba, uye kana zviripo, mutengesi aizoripa mutengi kune izvo zvinodaro. Kunyanya nekuda kweichi chikonzero, general warranty zviito ndiyo inonyanya kushandiswa mhando yechiito mukutengesa zvivakwa.
Kunyangwe zvichinzwika zvirinani pane vimbiso yakajairika - nekuda kwekushandiswa kwezwi rekuti "special" - hazvisizvo chaizvo. Iyo inozivikanwawo segwaro rekupa, iyo yakakosha vimbiso deed inongovhara iyo nguva iyo mutengesi ave muridzi weimba. Naizvozvo, mutengesi ndiye ane mhosva chete yezvikwereti uye matambudziko akaunganidzwa panguva yako yemuridzi, izvo zvinoreva kuti iwe unogashira dziviriro shoma kubva kune zvinogona kukanganisa zita. Special Warranty Deeds anowanzo shandiswa pakutenga nzvimbo yekutengesa.
Siyanisai pakati pemortgage nepromissory note
Chikwereti chibvumirano pakati pemukwereti nemukweretesi pakutenga pfuma chaiyo iyo mukwereti anobvuma kubhadhara mukweretesi nekufamba kwenguva, kazhinji muzvikamu zvemwedzi. Nzvimbo yacho inoshanda sechibatiso chechikwereti kana mukwereti akatadza kubhadhara chikwereti. Kusiyana nematare edzimhosva, zvikwereti zvemba imhando yezvipo zvekuzvidira papfuma.
Deed of trust inoshanda chinangwa chimwe chete sechikwereti: ese ari maviri inzira dzekushandisa pfuma sechibatiso kuchengetedza chikwereti. Nekudaro, kusiyana neremba, gwaro rekuvimba rinoda mapato matatu: mubatsiri, mugari, uye mutirastii.
Trustee: Mutirastii ndiye munhu wechitatu asina kwaakarerekera uyo anozopedzisira aburitsa chikwereti kana chabhadharwa zvizere kana, kana chikasabhadharwa, enda kudanho rekuvhara. Iyo trustee inowanzova zita kana escrow kambani.
A trust deed inoshandawo pamwe chete nepromissory note. Tsamba yekuvimbisa ine ruzivo rwese rwakakodzera maererano nechikwereti uye iri mumaoko eanobatsirwa kusvika chikwereti chabhadharwa zvizere. Chete chiitiko chekuvimba, kwete chivimbiso, chinoda kurekodhwa nerekodhi rekodhi.
