09/28/2023

Paunenge uchitenga kana kudzorera mari, zvakakosha kuti uone kukosha kwemusika kwepfuma yako.Kunze kwekunge mutengi achikwanisa kuwana Property Inspection Waiver (PIW), mushumo wekuongorora uchave chishandiso chakakosha mukusimbisa kukosha kwemusika kwenzvimbo.Vanhu vazhinji vanovhiringidzika pamusoro pemaitiro uye maitiro ekuongororwa kwemba.Pazasi, tichapindura iyi mibvunzo.

Ⅰ.Chii chinonzi evaluation report?
Chirevo chekuongorora chinopihwa nehunyanzvi real estate appraiser mushure mekupedza ongororo yepa-saiti uye inoratidza kukosha chaiko kwemusika kana kukosha kweimba.Chirevo ichi chinosanganisira chakananga manhamba senge square footage, nhamba yemakamuri ekurara uye yekugezera, kuenzanisa musika kuongororwa (CMA), mhedzisiro yekukosha, uye mafoto emba.

Chirevo chekuongorora chinopihwa nemukweretesi.Zvakakosha kuve nechokwadi kuti nzvimbo yacho yakachena uye yakachengetedzwa zvakanaka isati yaongororwa.Kana uchangobva kugadzirisa kana kugadzirisa, ipa zvinhu zvinoenderana nemainvoice kuti mukweretesi anzwisise zviri nani mamiriro emba.

Mukuteerana neAppraisal Independence Requirements (AIR), vanokweretesa vanozongosarudza vaongorori zvichienderana nenzvimbo yenzvimbo yacho kuti vaone kusarongeka uye kururamisira mukuita kwekuongorora.Kuti udzivise kukakavara kwechido, vaongorori vanofanirwa kudzivirira kuve nechido chemunhu kana chemari mumidziyo iri kuongororwa kana mutengi achikumbira kuongororwa.

Uyezve, hapana bato rine mubereko wakapihwa muchikwereti rinogona kupesvedzera mibairo yekuongorora neimwe nzira kana kutora chikamu muappraiser yekusarudza maitiro.

Mari yekuongorora inosiyana nedunhu uye rudzi rwenzvimbo.Kana iwe ukanyorera imba yemba, isu tinokupa iwe fungidziro yemutengo weiyo appraisal.Mutengo chaiwo unogona kuchinjika, asi mutsauko kazhinji hauna kukosha.

Ⅱ.Mibvunzo Yakajairika muOngororo

1. Q: Ngatiti imba yakavharwa escrow & yakanyorwa nezuro.Mazuva mangani angangotora kuti kukosha kweimba iyi kugamuchirwe nemuongorori sekuenzanisa?
A: Kana yakarekodhwa nezuro uye ruzivo rwekurekodha rwuripo, rinogona kushandiswa nhasi.Asi mazhinji masevhisi atinoshandisa anowanzoda mazuva manomwe kuti uzvione.Muchiitiko ichi, iwe unogona kupa ruzivo rwekurekodha kune appraiser, kusanganisira iyo yekurekodha gwaro nhamba.

2. Mubvunzo: Mutengi akaita chirongwa chekuwedzera chinobvumidzwa chakapedzwa asi hachisati chapfuura ongororo yekupedzisira yeguta.Muchiitiko ichi, nzvimbo yakawedzerwa inogona kushandiswa kukoshesa here?
A: Hongu, nzvimbo yakawedzerwa inogona kushandiswa pakuongorora, asi mushumo wekuongorora uchange uri pasi pekuongororwa kweguta kwekupedzisira, sekunge imba yacho itsva, uye chikwereti chingada kumirira kusvikira kuongorora kwekupedzisira kwapera.Naizvozvo, zvakanakisa kuodha kuongororwa mushure mekuongorora kwekupedzisira kweguta kwapera.

3. Q: Mamiriro edziva haana kunaka, ane green algae.Nyaya iyi ichaita sei?
A: Zvinowanzogamuchirwa kana dambudziko re green algae risina kuoma.Zvisinei, kana kune algae yakawanda zvokuti haugoni kuona pasi pedziva, saka hazvigamuchirwi.

4. Q: Ndeupi rudzi rweADU runogamuchirwa uye runogona kuiswa muhuwandu hwekuongorora?
A: Kugamuchirwa kweADU kunowanzoenderana nekuti ine mvumo.Vanoisa mari kana underwriters vanobvunza kana paine mvumo.Kana pane imwe, ichaita zvakanaka kukosha.

5. Q: Nzira yekukakavadzana nayo nemazvo uye zvinobudirira zvakanyanya kukosha kwekuongorora?
A: Kana paine zvimwe zvienzaniso izvo muongorori asina kufunga nezvazvo, izvo zvinogona kutariswa.Zvisinei, kana ukangoti imba yako yakanaka, inokosha, hazvina basa.Nekuti kukosha kwekuongorora kunoda kubvumidzwa neMukweretesi, unofanirwa kupa humbowo hwekutsigira zvaunoda.

6. Q: Kana kamuri yakawedzerwa isina mvumo, kukosha kwekuongorora hakuzowedzeri zvinoenderana, handiti?
MHINDURO: Vanhu vanowanzokakavara kuti kunyangwe imba isina mvumo, asi yakawedzerwa, ichiri kukosha.Asi kune Mukweretesi, kana pasina mvumo, saka hapana kukosha.Kana iwe wakawedzera imba pasina mvumo, iwe unogona kushandisa nzvimbo yakawedzerwa chero bedzi pasina matambudziko.Zvisinei, kana uchida mvumo, kureva kuti, paunenge uchida kuwedzera imba yako zviri pamutemo, hurumende yeguta ingada kuti ubhadhare mvumo yausina kuwana kare.Izvi zvichawedzera mari yakawanda, uye mamwe maguta angatokuda kuti ubvise chikamu chisina kuwana mvumo.Naizvozvo, kana iwe uri mutengi, uye imba yauri kutenga ikozvino ine yakawedzerwa kamuri, asi iwe hauzive kana paine mvumo yepamutemo, ipapo gare gare kana iwe uchida kuwedzera chero imba ino, ungangoda kushandisa. mari yakawedzerwa kuti uwane mvumo inodiwa, iyo ichakanganisa kukosha chaiko kweimba yawakatenga.

7. Mubvunzo: Mune imwe kodhi yepositi, dunhu rechikoro rakanaka richawedzera kukosha kweappraisal?Muongorori achanyatsocherechedza zvibodzwa zvechikoro here?
A: Hongu, kutaura zvazviri, musiyano wemhando yematunhu echikoro wakakosha.Munharaunda yeChinese, munhu wese anoziva kukosha kwematunhu echikoro.Asi dzimwe nguva muongorori angasanzwisisa mamiriro eimwe nzvimbo, anogona kungotarisa dunhu rechikoro mukati memakiromita 0.5, asi haazivi kuti mugwagwa unotevera idunhu rakasiyana zvachose rechikoro.Ndicho chikonzero kune zvinhu zvakaita sematunhu echikoro, kana muongorori akasatora nguva yekunzwisisa, vamiriri vezvivakwa vanofanirwa kuvapa ruzivo rwakafanana nezvedunhu rechikoro rakakodzera.

8. Mubvunzo: Zvakanaka here kana kicheni isina chitofu?
A: Kumabhangi, imba isina chitofu inonzi haisi kushanda.

9. Mubvunzo: Kune imwe kamuri yakawedzerwa isina mvumo, sekushandura garaji kuti ive imba yekugezera yakazara, chero bedzi kicheni yekugadzira gasi isati yaiswa, inogona kuonekwa yakachengeteka here?
A: Kana imba yese yakachengetedzwa zvakanaka kana muavhareji mamiriro, kana pasina zviri pachena zvakakanganisika, munyori wepasi haazove nehanya nezvekuchengetedza nyaya.

10. Mubvunzo: Unogona fomu 1007 yenzvimbo yekurojesa kushandisa mari yekurenda kwenguva pfupi?
A: Kwete, zvingave zvisingaite kuwana mienzaniso yakakodzera kutsigira mari yekurenda iyi.

11. Q: Nzira yekuwedzera sei kukosha kwekuongorora pasina kugadzirisa?
A: Zvakaoma kuwedzera kukosha kwekuongorora mumamiriro ezvinhu aya.

12. Q: Nzira yekudzivirira sei kuongorora zvakare?
A: Ita shuwa kuti ruzivo rwese rwaunopa rwakarurama uye rwechizvino-zvino, izvo zvinogona kuderedza mukana wekuwongorora zvakare.Pakubata maitiro ane hukama, iva nechokwadi chekupa magwaro echokwadi, humbowo, uye zvinhu.Zvakare, ita shuwa kuti wapedza gadziriso inodiwa zvinoenderana nezvinodiwa, uye ita ongororo yakakodzera uye kugadzirisa kuti ive nechokwadi chekuti imba inosangana nezvinodiwa.

13. Q: Inguva yakareba sei yechokwadi yehupoti yekuongorora?
A: Kazhinji, zuva rekushanda remushumo wekuongorora rinofanirwa kunge riri mukati memazuva zana nemakumi maviri kubva pazuva rekunyora.Kana ikapfuura mazuva zana nemakumi maviri asi isiri mazuva zana nemakumi masere, chitupazve (Fomu 1004D) chinoda kuitwa kuratidza kuti kukosha kwechidzidzo chacho hachina kudonha kubva musi wakatanga kushanda.

14. Mubvunzo: Imba yakanyatsovakwa ichava nemutengo wepamusoro weappraisal?
A: Kwete, kukosha kwekuongorora kunoenderana nemitengo yekutengeserana yedzimba dziri pedyo.Kana kuvakwa kweimba kwakanyanyisa uye pasina kuenzanisa kwakakodzera kunogona kuwanikwa, ukoshi hweimba hunogona kunge husingafungidzirwe nenzira kwayo, zvichizoita kuti Mukweretesi arambe chikumbiro chechikwereti.

Chirevo chekuongorora chinopfuura nhamba chete;Inosanganisira hunyanzvi uye ruzivo rwekuona kuti kutengeserana kwezvivakwa kwakanaka uye kwakarurama.Kusarudza muongorori ane ruzivo uye akavimbika uye mukweretesi unova nechokwadi chekuti kodzero dzako nezvido zvako zvinodzivirirwa kusvika padanho rinogoneka.AAA inogara ichitevedzera musimboti wemutengi kutanga uye inokupa iwe nehunyanzvi uye nehanya masevhisi.Kunyangwe iwe uri kutenga imba kekutanga, uchida kuziva zvakawanda nezve imba yekuongorora, kana kuda kuita referensi usati watenga imba kana kunyorera chikwereti, tinokugamuchira iwe kuti utibate chero nguva.

Chirevo: Ichi chinyorwa chakagadziridzwa neAAA LENDIS;mamwe emifananidzo akatorwa kubva kuInternet, nzvimbo yesaiti haina kumiririrwa uye haigone kudhindwa zvakare pasina mvumo.Pane njodzi mumusika uye mari inofanira kungwarira.Ichi chinyorwa hachiumbe zano rekudyara wega, uye haritarise zvinangwa zvekudyara, mamiriro emari kana zvinodiwa zvevashandisi vega.Vashandisi vanofanirwa kufunga kuti chero maonero, maonero kana mhedziso dzirimo dzirimo dzakaenderana nemamiriro avo ezvinhu.Isai mari zvinoenderana nenjodzi yenyu.