Nzira yekuwana sei kopi yekugutsikana kwemortgage
Mari yekuvhara yeMortgage ndiyo mari yaunobhadhara paunotora chikwereti, ungave uri kutenga nzvimbo kana kubhadhara. Iwe unofanirwa kutarisira kubhadhara pakati pe2% ne5% yemutengo wekutenga weimba yako kune yekuvhara mitengo. Kana iwe uchizotora mortgage inishuwarenzi, idzi mitengo dzinogona kunge dzakatokwira.
Mari yekuvhara ndiyo mari yaunobhadhara paunovhara pakutenga imba kana imwe nzvimbo. Iyi mitengo inosanganisira mubhadharo wekunyorera, mubhadharo wemagweta, uye mapoinzi ekuderedzwa, kana zvichibvira. Kana kutengesa komisheni nemitero zvakabatanidzwa, iyo yakazara real estate yekuvhara mitengo inogona kusvika 15% yemutengo wekutenga weimba.
Kunyange hazvo mitengo iyi ichigona kuwanda, mutengesi anobhadhara mamwe acho, senge real estate commission, inogona kunge iri 6% yemutengo wekutenga. Zvisinei, mamwe mari yekuvhara ibasa remutengi.
Mari yose yekuvhara inobhadharwa mukutengeserana kweimba inosiyana-siyana, zvichienderana nemutengo wekutenga imba, rudzi rwechikwereti, uye mukweretesi anoshandiswa. Mune zvimwe zviitiko, mari yekuvhara inogona kunge yakaderera se1% kana 2% yemutengo wekutenga weimba. Mune zvimwe zviitiko - zvinosanganisira vatengesi vechikwereti nevamiriri vezvivakwa, semuenzaniso - mari yekuvhara yakazara inogona kudarika 15% yemutengo wekutenga nzvimbo.
Trust Deed Muenzaniso
A deed-in-place of foreclosure (liu deed) kuchinjisa, nemuridzi wenzvimbo yakakomberedzwa nechikwereti, kumukwereti, mukugutsikana kuzere kwechisungo chinovimbiswa nechikwereti. 735 ILCS 5/15-1401. Iyo mortgagee inowana zita rezvivakwa zvichienderana nezviripo zvichemo kana marenji pachivakwa, asi iyo mortgage haisanganisirwe nezita remukweretesi kune icho chivakwa. Id. Kubvumwa kwegwaro rekutsiva kunopedza chikwereti chemukwereti nevamwe vanhu vese vane mhosva yechikwereti chembandi, kunze kwekunge paine chibvumirano chinopikisa chakaitwa panguva imwe chete nekutengeserana kwegwaro rechikwereti. Id. Zvitemo nezvisungo zvichapihwa nemukwereti uye mukweretesi achibvuma chibvumirano panzvimbo yekubvisirwa zvinhu zvinotaurika zvakanyanya uye zvinoenderana nezvinzvimbo zvemapato anowirirana. Sezvo Illinois, Wisconsin, uye Indiana mutemo wenyaya wenyaya uyu uri mushoma, zvinobatsira kudzokorora federal uye mimwe mitemo yenyika.
Chechipiri chakanakira mukwereti ndechekuti kushambadza, mari uye nguva inosanganisirwa mumatanho ekuita chikwereti chechikwereti uye zvimwe zvisungo, pamwe nekurasikirwa kwepfuma, zvinodziviswa. Chechitatu, mukweretesi anogona kubvuma kubhadhara yese kana chikamu chemari yekufambisa kana kuwedzera kutariswa kwemari kana kuenzana kwepfuma kuchipfuura chikwereti chemondi. Zvisinei, mari inobhadharwa nemukweretesi inowanzova shoma pane iyo munhu wechitatu angabhadhara, kana munhu akawanikwa. Pakupedzisira, mukweretesi anogona kudzorera kumukwereti mamwe kodzero dzakaganhurirwa dzokuva nezvinhu kana mamwe maruramiro epfuma, akadai serendi yezvose kana kuti chikamu chenzvimbo yacho, sarudzo yokutenga, kodzero yokutanga kuramba, nezvimwe zvakadaro. Zvisinei, vanokweretesa vanowanzozengurira kupa idzo kodzero dzasara kumukwereta kuti awane nzvimbo yacho pasina mhindu yose yasara. Kana sarudzo kana kodzero yekutanga kuramba yakapihwa, mukweretesi anowanzo dzikamisa nguva yaanowanikwa kune imwe nguva pfupi.
Kugutsikana kwemortgage kwakafanana nedeed
Iwe unowana pre-yakatenderwa kune remba yekubatsira iwe kuwana imba yezviroto zvako. Wobva waisa pasi mubhadharo, tora mari yembanje, bhadhara mutengesi, uye wotora makiyi, handiti? Kwete nekukurumidza. Mimwe mari inofanirwa kuverengerwa. Iyi mari yekuvharaInovhura hwindo rinobuda. uye mari yekuwedzera inogona kukanganisa kupa kwako, huwandu hwekubhadhara kwako uye huwandu hwemari yembandi yaunokodzera. Vashoma chete ndivo vanogona, saka ziva nezvemitengo iyi kubva pakutanga.
Kana wawana chivako, unofanira kuziva zvose pamusoro peimba, zvose zvakanaka nezvakaipa. Kuongorora uye zvidzidzo zvinogona kuratidza matambudziko anogona kukanganisa mutengo wekutenga kana kunonoka kana kumisa kutengesa. Iyi mishumo ndeyekusarudza, asi inogona kukubatsira kuchengetedza mari nekufamba kwenguva.
Usati wapa chivakwa, ita inspection yepambaVhura hwindo rinobuda.Mutariri wemba anotarisisa kuti zvese zviri mumba zviri mugwara rakanaka here. Kana denga richida kugadziriswa, iwe unoda kuziva pakarepo. Kuongorora imba kunokubatsira kuita sarudzo ine ruzivo nezvekutenga imba. Panguva iyoyo, unogona kufamba kubva uye kwete kutarisa kumashure.
Chii chinonzi property trust deed?
Kugutsikana kwemumba igwaro rinosimbisa kuti mari yembavha yabhadharwa uye inodonongodza zvisungo zvekuendesa kodzero dzechibatiso. Vakweretesi vemortgage vanosungirwa kugadzirira magwaro ekugutsikana kwembavha iyo inofanirwa kusainwa nemapato ese ane hukama nechikwereti chemba uye zita rezita.
Masangano anokweretesa ane basa rekugadzirira uye kuisa magwaro emortgage kugutsikana. Matanho ane chekuita nekugutsikana kwemagwaro embavha uye mharidzo yawo inotongwa nenyika dzega.
Vazhinji vanoronga zvemari vanokurudzira kukurumidza kubhadhara mari yemba kuti ubhadhare chikwereti chako nekukurumidza. Kuita imwe nguva yekuwedzera mari yekubhadhara imba - uchifunga kuti mukweretesi wako anoibvumira pasina chirango - inogona kuveura mwedzi kubva pane yako yekutenga imba uye kuchengetedza zviuru zvemadhora mumitengo yemubereko. Chirongwa chinoshanda chekusimudzira kubhadhara kwembande kuchabatsira varidzi vedzimba kuwana gwaro rekugutsikana rembanje nekukasira.
Kugutsikana kweMortgage kunobatsirawo kana muridzi achida kuvimbisa pfuma sechibatiso chebhizinesi kana chikwereti chemunhu. Zvechokwadi, zvakanakira kutora chikwereti uchishandisa imba sechibatiso, mushure mokupedza makumi emakore uchibhadhara chikwereti, zvinofanira kunyatsoongororwa zvisati zvaitika.
