Kunze kwekunge iwe uri mumiriri wezvivakwa ane rezinesi, ungangodaro wakanyemwerera pasina chinhu uye wakagutsurira pashoko rausina kunzwisisa paunenge uchivhima imba (kana kuona. Kutengesa Kuvira kweZuva ), kungotendeukira kufoni yako neGoogle zvine hungwaru Kumirira kunorevei? Kana kuti chii chinonzi escrow?
Tinotenda, izvo zvekutsvaga hazvisisiri, uh, zvakamirira (c'mon, chiratidzo chemavara!), ndatenda kuna Realtor Jessica Lingscheit ye The Rimwe Zuva Group . Verenga pamusoro pematemu epamusoro ezvivakwa anoti iwe unofanirwa kuziva kuita kutenga imba yako yemaroto kuve nyore, kunyanya kana uri wekutanga kutenga imba.
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fstop123/getty mifananidzoKumirira kunorevei?
Kana kupihwa paimba kwagamuchirwa uye iko zvino kwave pasi pekondirakiti, yakanyorwa seyakamirira. Mune mamwe mazwi, Lingscheit inogovera, kana imba yakamirira ine kondirakiti inoshanda pairi, uye iri munzira kutengeswa asi ine kwete zvatengeswa. Pfungwa isiriyo apa? Nekuda kwekuti imba haina chikwangwani chakatengeswa kunze hazvireve kuti ichiri kuwanikwa kana kuvhurwa kuti itariswe. Pane kudaro, kumirira zvinoreva maitiro ekuwana kuti Sald sign iri kuenderera mberi, uye zvinogona kutora mwedzi (kana kupfuura) kuti usvike ikoko. Iwe unowanzo kuzviona pane real estate lists-kunyanya ikozvino, nemusika uchipisa-asi nzvimbo dzakawanda, seTrulia neZillow, dzinokubvumira kusefa dzimba dzakarongwa sekumirira kana iwe usingade kusimudza tariro yako. .
Realtor Tip: Kana iwe uchifarira imba yakamirira, iwe unogona kubvunza wako real estate agent kana iwe uchikwanisa kuisa chibvumirano chekudzorera paimba, kuitira kuti kana, nokuda kwechikonzero chipi, kontrakiti yepakutanga inowira, iwe unokwanisa. iva anotevera kuitora isati yanyorwa zvakare seyakashanda pamusika.
9 Mamwe Matemu Ezvivakwa Wese Mutengi Wepamba Anofanira Kuziva
1. Kuongorora
Mari inofungidzirwa yakapihwa nenyanzvi (appraiser) kuona kukosha kwemba. Vatengesi vanowanzowana kuongororwa kuti vaone mutengo wakajeka wekunyora, nepo vatengi vachidikanwa nebhangi kuti vawane ongororo yemvumo yechikwereti kana vari kuwana mari.2. Kuvhara
Nhanho yekupedzisira mukutenga nekutengesa imba panguva iyo mutengi anosaina magwaro ese. Pakangopihwa mari yedhiri, zvichireva kuti mubhadharo kubva kune mukweretesi uye mutengi waitwa, muridzi wemba mutsva anogona kuwana makiyi eimba yacho.
3. Kuvhara Mari
Aya ndiwo ese emubhadharo uye mari yaunofanirwa kuratidza pakuvhara wakagadzirira kubhadhara, kunze kwekubhadhara pasi (zvimwe pane izvo pazasi). The Somerday Realtor inoti izvi zvinogona kubva chero kupi zvako kubva kumitero yezvivakwa uye Home Owners Association (HOA) inokodzera mubhadharo wezita uye inishuwarenzi yemba.
Realtor Tip: Bvunza mutengesi wako kana mukweretesi wako kuti mari yako yekuvhara ingaratidzika sei zvisati zvaitika kuti uwane pfungwa yemutengo. (Tarisira kushandisa chero kupi kubva 2 kusvika ku5 muzana yemutengo weimba yako pamitengo yekuvhara.)
4. Kubhadhara pasi
Kana iwe uri kutora chikwereti kuti utenge imba yako, bhangi rako rinowanzoda mubhadharo wepasi, kana chikamu chemutengo wemba kumusoro. A 20 muzana yekubhadhara pasi inowanzokurudzirwa, kuitira kuti iwe ugone kuchengetedza yakanakisa renji reti uye kudzivirira kubhadhara renji inishuwarenzi. Nekudaro, zvichienderana nerudzi rwechikwereti chaunacho, ungasada mubhadharo wepasi (taura, kana iwe uri nhengo yemauto kana murwi uchinyorera chikwereti cheVA) kana hushoma hwako hunogona kunge yakaderera se3 kusvika ku3.5 muzana . Zvakakosha kuyeuka kuti mubhadharo wepasi chikamu chemari yekuvhara, Jessica anoti.
5. Escrow Deposit
Iyi ndiyo yekutanga dhipoziti yakaiswa pamudziyo inozopedzisira yaiswa patafura yekuvhara.
6. HOA (Mubatanidzwa Wevaridzi Vedzimba)
Sangano rakazvimirira rinotarisira nharaunda (makondomu, dzimba dzemutaundi, dzimba dzemhuri imwe chete, nezvimwewo) izvo zvinowanzoda muripo wepamwedzi, wehafu pagore kana wegore. Vanowanzo sanganisira mimwe mitemo inokwanisa kuona zvinhu zvakaita sekuti unogona Airbnb imba yako here kana kuti mavara api anotenderwa kupenda kunze kwemba yako.
Realtor Tip: Wongorora ruzivo rwese nezve HOA usati waisa chinopihwa kuti uve nechokwadi chekuti unoziva nezvese mitemo, mirau uye mubhadharo unouya nekugara munharaunda iyoyo.
7. Nguva yekuongorora
Iyi ndiyo nguva yesarudzo panguva iyo imba iri kuongororwa, kubva papombi yayo kusvika kuzera uye mamiriro edenga, nemuongorori wemba. Chaizvoizvo, muongorori ari kutsvaga chero nyaya dzinogona kukanganisa kukosha kwemba (uye kugadzirisa kwauchazoda kuita pasi pemugwagwa). Iwo muripo wekuwedzera pane chikamu chevanotenga imba-kazhinji 0 kusvika 0-asi yakakosha. Kana iwe ukapiwa nguva yekuongorora chivako, shandisa zvizere, Jessica anosimbisa. Kunyangwe imba yacho iri imba nyowani yekuvaka, ndinokurudzira kuti uongororwe imba. Izvi zvinogona kukuchengetedza kutemwa nemusoro munzira. Kana inspector akawana nyaya hombe nemba, unogona kutaurirana mutengo, kumbira mutengesi kuti agadzirise izvi asati avhara kana kusarudza kufamba kubva pachibvumirano.
Realtor Tip: Bvunza mumiririri wako nezvenguva yekuongorora usati waenda pasi pekondirakiti, wobva watsvaga inspector yakakwana munharaunda yako anogona kukupa mushumo uzere unotsanangura chero hurema hwemba kana nyaya dzekugadzirisa.
8. Pre-Mvumo
Kana ukaronga kutora chikwereti chemba kuti utenge imba, iwe uchada kuve nemvumo yepamberi kubva kune wako mukweretesi. Iyi itsamba inotaura kuti mukweretesi akaongorora mari yaunowana uye midziyo uye akabvumidza kuti vakukweretese mari yakatarwa. Paunoenda kunoisa chinopihwa paimba, mutengesi achada kuona izvi kuti ave nechokwadi chekuti une mari yekutenga imba. (Usati watanga kutsvaga dzimba, zvakanaka kuti utsvage mukweretesi wotora tsamba iyi. Gadzirira kuzadza chikumbiro, ipa magwaro emari inotambirwa kana mari yekubhadhara, uye ita kuti chikwereti chako chidhorwe sechikamu chegadziriro yekufanobvumidza.)
9. Realtor
Mutengesi wezvivakwa ari wesangano munharaunda uye anofanirwa kubhadhara mari yegore negore uye kutora mamwe makirasi uye kudzidziswa. Vese vanotengesa zvivakwa vamiririri vedzimba asi havasi vese vamiriri vezvivakwa vari vatengesi, anodaro Jessica, achiwedzera kuti, Kwandinobva, vatengesi vanogonawo kuwana mabhokisi ekuvhara emagetsi, nepo munhu asiri wesangano angatadza kuwana. dzimba idzi.
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