Ngaphambi kokungena ukuthenga ikhaya lesibini, mhlawumbi unalo ukugcina okukuvimba ukuba wenze isinqumo ngokukhawuleza. Unokuzibuza ukuba ngaba kunene kakhulu, ngokukodwa xa ukhulile ngembono yokuba abantu abatyebileyo bathenga ikhaya lesibini. Xa ixabiso lentengo liphantsi, ukuba unako ukuhlawula imali yokuhlawula imoto ephakamileyo, unokuhlawulela ikhaya lesibini; ukunikezela ukuba ungahambi kwintlaka kwaye ukhangele le ndlu kwindawo efanelekileyo.
Inyathelo 1: Misela indawo yakho
Unokucinga ukuba ukugqiba kwentengo yokuthengisa kuqala kubaluleke kakhulu, kwaye ngelixa ixabiso lithwala ubunzima, akuyonto eqhuba njalo isigqibo sokuthenga ikhaya lesibini. Ukuba ubeke intliziyo yakho kwikhaya leeholide elunxwemeni , masithi, kwiSiqithi saseHawaii, umzekelo, unokufumanisa ngokukrakra ukuba awukwazi ukuthenga ikhaya lentsapho enye kwisiqingatha sezigidi. Ukuba indawo kuphela onokuyifumana ikufutshane nePuna kwaye awufuni ukuhlala apho imvula ininzi, ngoko ukukhangela kwakho kweso siqithi kuphelile.
Indawo yinto yokuqhuba kwindawo yokuhlala. Yingakho uva indawo ye-mantra , indawo, indawo ephindaphindiweyo kakhulu. Kufuneka wenze isigqibo sokuba ufuna ukuthenga ikhaya lesibini ngaphakathi kwimizuzu emfutshane ukusuka kwikhaya lakho langoku okanye ukuba uya kuthatha isitima okanye uhambe ukuze ufike khona. Ngomzuzu, akukho iS Scotty ukusikhupha.
Zingaphi ixesha oceba ukuzisebenzisa kwikhaya lesibini liya kuba nefuthe ngqo ngqo kwindawo yalo.
Ukuba iyindlu yokuhlala ekupheleni kweveki, mhlawumbi ufuna le ndlu ngaphakathi kwindlela elula yokuhamba. Ukuba ikhaya lesibini liza kubanjwa kweentsapho zeholide ngonyaka, lungaqhubeka okanye lube kwelinye ilizwe okanye ilizwe.
Inyathelo 2: Misela uhlobo lweKhaya
Uluhlobo lwekhaya onokukhetha ukuthenga kwikhaya lesibini lungabandakanya indawo.
Ngokomzekelo, ukuba uceba ukuthenga ikhaya ezintabeni, ekupheleni kokuthengelayo ziiikhampani ezincinci zonke iindlela zokufikelela kwi-haciendas eziphezulu eziphambili ze-ski ezinokuthi zigijime kwizigidi. Ukuba ufuna indlu yangaselwandle, ehlala kwindawo elunxwemeni lolwandle, kwanokuba i-shack encinci iya kuba nexabiso elininzi kunokuba ungacinga. Inyaniso enzima kuqoqosho lwangoku ungadinga ukulungelelanisa endaweni yokujonga ulwandle.
Ikhaya eli lizwe liluhlu lwamabhakethi abantu abaninzi. Mhlawumbi ungathanda ifama okanye indawo ephumayo ifumaneke endleleni engcolileyo kwaye emva kwesango elivalelwe? Okanye ikhaya elwandle? Okanye ikhaya lekhaya / eyenziwe ngekhaya oza kubeka kuyo?
Mhlawumbi i- condo okanye idolophini isitayela sakho ngenxa yokuba ungakhetha izinto ezintle, umsebenzi ongaphantsi kwendawo okanye ukugcinwa. I-Condos inikezela nendlela yokuphila yokukhiya kunye nokuhamba, eyenza abanikazi abangabikho baziva bekhuselekile xa besuka kwikhaya labo lesibili.
Inyathelo lesi-3: Misela ixabiso lakho lokuthengisa
Abathengi abangena ngaphezu kweentloko zabo bavame ukuba baxoshwe ngobukhulu bayo bonke, okanye baye bahluleka ukuseka umda wokugqibela, inani elikhulu abazimisele ukulihlawula ukuthenga ikhaya lesibini. Abathengi abaninzi abafuna ukuthenga indlu yesibini baceba ukuthenga imali leyo.
Ingxenye yesizathu sokufumana umboleko wemali kukuba unikezelo lweentlawulo ezinjengomdla kunye nentlawulo yepropati.
Ukuba unenjongo yokufumana imali ekuthengeni, ixabiso lakho liphezulu linokuchaphazeleka ngamanani omyinge, kwaye imali yokuhlawula imali (kunye neerhafu, njl.) Ingaba nomthelela omkhulu kuwe kunenani lentengiso. Enye indlela yokufumanisa ukuba unako ukuhlawula imali yentlawulo yokubolekwa kwemali ukuqala ukucoca loo mali kwi-akhawunti yokulondoloza nganye ixesha lokuhlawula. Ukuba ikhululekile kwaye ayiyiyo ingxaki kwibhajethi yakho, uya kuba sekulungele phantsi kwendlela, ukubonelela ukuba ugcine umtya. Iingcali zincoma ubuncinane ubuncinane beenyanga ezi-6 ze-fund.
Ukuba uqala ukufumanisa ukuba kukho imizi embalwa ekuthengiswa kwixabiso lentlawulo oyilungisile, ke lixesha lokuphinda uhlaziywe ngamanyathelo elinye kunye ezimbini. Ungadinga ukulungelelanisa okulindelekileyo.
Nokhetha indawo eyahlukileyo okanye uhlobo oluthile lwekhaya. Uya kuphawula ukuba andizange ndiphakamise ngaphezu kwebhajethi yakho.
Isinyathelo 4: Fumana i-Realtor
Akunjalo nje nawuphi na u-Realtor. Eli akusiyo ixesha lokutsala umzala wakho uGeorge ngaphandle kwamacwebhu kwaye umcele ukuba akuncede uthenge ikhaya lesibini. Khangela i-agent ye-real estate yendawo emele abathengi kwindawo ofuna ukuyithenga kuyo. I-arhente yendawo kufuneka ibe nolwazi oluxabisekileyo nolwazi kwindawo.
Qinisekisa ukuba i-agent igqibe inani elaneleyo lokuthengiselana kwaye linokuvelisa ukuhlaziywa kwabathengi abanelisekile.
Kwakhona, musa ukwenza impazamo yokucinga ukuba i-arhente yezohlomelo iya kuba neyona nto inomdla entliziyweni okanye ukuba i-arhente yoluhlu iya kukunika ikhefu ngandlela-thile ngenxa yokuba akusebenziyo. Oku akusikho ukubonisa ukuba akukho zithunywa ezingabonakaliyo kwi-shishini kuba kukho i-agent engalunganga kwishishini njengalowo nawuphi na umsebenzi, kodwa ufuna i-ejenti engafanelekanga ukuba ikumele nayiphi na indlela, ifom okanye indlela? Mhlawumbi akunjalo.
Inyathelo lesi-5: Ukukhusela i- Letter Preapproval
I-arhente yakho ye-real estate yendawo ingabhekisela kuyo umthengisi wendawo. Uza kulunge ngakumbi ngesibonelelo sakho xa usebenzisa i-lender umthengisi kunye ne-agent listing Unokufuna ukusebenzisa lakho umboleki kwikhaya, kodwa umboleki wakho okhethiweyo akanako ukuboleka kuloo ndawo. Kwaye, ukuba umntu ongaziwayo umthengi uya kubangela ukuba akhokhe amathuba xa uthumela isibonelelo, kutheni uthathe ithuba?
Iintengiso zee-adversi ezininzi ziya kubacebisa abaxumi babo ukuba bawunqabe umrhumo ukuba kubonakala ngaphandle kwencwadi yokubhengezwa kwangaphambili kwaye kukho inkxaso-mali. Buza ukuba unako ukuzalisa isicelo se-mortgage application online. Awudingi, kwiimeko ezininzi, ukuhlangabezana nomboleki-mboleko kumntu.
Kwakhona, ngokusebenzisa umboleki wendawo, ukwandisa amathuba okuboleka umboleki uya kubamba i-appraiser kwi-pool yangaphakathi yee-appraisers. Kubalulekile ukuba nomfundi wendawo oqhelana noluntu ukuba afunde ikhaya lakho. Abanye ababolekisi bemali-mboleko "kwi-intanethi" baqukumbela ngabahloli bee-appraisers endaweni, kwaye yile ndlela enye yokufumana uvavanyo oluphantsi olungaqhubekisa ukuthengiselana kwakho.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.