Umfundi uyabuza: "Umfazi wam sasizama ukuthenga ikhaya lokugqibela entwasahlobo, kodwa xa senza isipho, omnye umntu usibetha. USusan, mfazi wam, ucinga ukuba intwasahlobo yithuba elifanelekileyo lokuthenga, kwaye ndiyavumelana naye. Kodwa kubonakala ngathi baninzi abanye abathengi bacinga ngendlela efanayo.Ndivuya ngokwenene asithenganga intwasahlobo yokugqibela ngenxa yokuba sisuka eSan Diego ukuya eHorgan County ngenyanga ezayo ngenxa yokudluliselwa kwam emsebenzini. ukwandisa amathuba ethu okuthenga ikhaya esiyifunayo apho? Abathengi banokufumana njani umgca wokuthenga ikhaya ngexesha lokunyuka kwendlu yasentwasahlobo? "
Impendulo: Ukuthengwa kwexesha lexesha le-Spring kungasebenza kwiinyanga ezahlukahlukeneyo zonyaka, kuxhomekeke kwindawo ohlala kuyo. E-Sacramento, ukuthengwa kwendlu yethu yasentwasahlobo iqala ngoJanuwari kwaye isebenza ngoMeyi. E-Minnesota, apho ndakhulela khona, intengo yokuthenga ekhaya iyaqala ngokukhawuleza xa iqhwa lichithwa ngalo, eminye iminyaka, lithetha ukuba lisebenza malunga neenyanga. Ngamanye, mhlawumbi ngoMeyi.
Ixesha eliqhelekileyo lokuthenga ikhaya lexesha laseMelika ngokuqhelekileyo ngo-Apreli, ngoMeyi noJuni. Isizathu esona sihlandlo sonyaka kukuba abaninzi baseMerika bathabatha ikhefu ngoJulayi noAgasti. Ukungathethi, kwiindawo ezinjengeSigramento, kunokutshisa njenge-115 phakathi kwehlobo, okwenza kube lula ukuphuma kwidolophu. Ndiya kucinga ukuba kwiindawo ezininzi zelizwe, inyanga ka-Apreli iyona nto ibaluleke kakhulu ekuthengeni ikhaya. Ukulinda ngakumbi, ngo-Ephreli 15.
Ukuncintisana kwiMakethe yokuThengwa kwaseKhaya
Ukuba unjengabantu abaninzi, ngoko, kwaye uzama ukuthenga ikhaya ngo-Apreli, kufuneka ulungele ukuxhuma kwikhaya oyifunayo.
Musa ukuzinza. Musa ukulala kulo. Xa uyifumana, yenza isipho. Nazi ezinye izicwangciso zokukunceda ukuphumelela eso sipho:
- Fumana kwangqinelwa ngumboleki wendawo . Ingaba yibhanki yendawo okanye umthengisi wendawo yokuboleka imali, kodwa ungazami ukukhuphisana neleta ye-intanethi yemvume ye-intanethi okanye incwadi ye-mortgage-lender ye-out-of-area. Izipho eziqulethe incwadi yokubhengezwa kwendwendwe yomthengisi wendawo yendawo iya kufuna ukukhetha.
- Gxininisa kwindlu, kungekhona umnini. Musa ukufumana konke ukuphoswa malunga nokuba ikhaya liyi-foreclosure, ukuthengiswa okufutshane okanye okungekho kumthengisi wendabuko. Gxininisa indawo, indawo, indawo , kwaye ujonge amakhaya ahlangabezana neemfuno zakho ezisisiseko. AmaMakethi alawulwa ngokugqithiswa kunye nokuthengiswa okufutshane , asisona siqhelo kubadayisi bendabuko.
- Ukuqeshisa ingcali yommandla . Zonke izakhiwo zendawo. I-agent ye-estate estate ekhethekileyo kwingingqi apho ufuna ukuyithenga iya kuba yingcinezelo yolwazi kuwe. Ingathethi, loo mmeli mhlawumbi iyaziwa kwaye iyahlonishwa phakathi kwendawo yeengcali zoluhlu lweengcali. Ukusebenza ne-arhente ezinye i-ejenti ezinjenge-intlonelo kunye neentlonipho. Amanye amanxusa, njengam, enza okwaneleyo ishishini ukuba ikhetheke kwisixeko esipheleleyo, kungekhona nje iindawo zokuhlala.
- Yilungele ukuhlawula intlawulo yexabiso. Abanye abathengi bagxininise ukuba umthengi uyabuza kunjani ukuba umgangatho wendlu ufanelekile. Buza i-arhente yakho ukuba ikubonise i- CMA yokuthengiswa okuthelekiswayo ukuqinisekisa ukuxabisa okwenene. Awukwazi ukuthelekisa imilinganiselo ngamanye amakhaya kwimarike kuba abathengisi banokubuza nayiphi na into abayifunayo. Ukuba ufumana ikhaya oyifunayo ngentengo onokuyifumana, nokuba uhlawula ngaphezulu i-$ 1,000 ngaphezulu okanye ngaphantsi kwenza akukho ntlukwano kwisikimu sonke sezinto. Awuyi kunyamekela kwiminyaka emihlanu.
- Nika umthengisi into ethile kwabanye abathengi abayi. Kukho imiqathango emininzi equlethwe kwisipho sokuthenga . Ingxoxo ayisoloko iyonke malunga nexabiso. Unokunika umthengisi inzuzo ukuba athathe isipho sakho ngaphandle kokushiya amalungelo akho. Buza i-arhente yakho ukuba enze iziphakamiso kuwe. Kungaba into encinci nje ngokunika abathengisi imini eyongezelelweyo yokuphuma.
Ukuba ngumtsha edolophini, unokufuna ukuchitha iiveki ezimbalwa ngaphambi kokuba ikhaya lithengele ikhefu kwaye ukwazi indawo. Thetha nabantu kwisitalato nakwiivenkile. Ukutyelela iiofisi ezininzi zeendawo zokuthengisa kunye ne- interviews ye-estate agents . Sebenzisa i-intanethi ukwenza uphando. Shayela iindawo zokuhlala ozithandayo amaxesha ahlukeneyo emini kwaye, ukuba unako, kwiintsuku ezahlukeneyo zeveki.
Kodwa ininzi yazo zonke, kholosa intuition yakho. Wonke umntu umthengi wexesha lokuqala uhlala esaba kakhulu ngaphakathi malunga nokuthenga ikhaya, nokuba ingaveli.
Unomnye nje inkampani entwasahlobo. Kwaye kukho rhoqo ukuthuthuzelwa ekubeni yinxalenye yamanani amakhulu. Ukuba ivakalelwa ngokufanelekileyo, yenza nje umnikelo. Thembela umthambo wakho.
Khumbula, kungekhona wonke umthengi wekhaya entwasahlobo uza kuthenga indlu. Ngaphezu koko, abanye abathengi basekhaya baya kuthengela ikhaya abayifunayo. Uku landela ezi ngcebiso kunokunceda ukuqinisekisa ukuba awuyi kubalwa phakathi kwabo bantu.
Ngexesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006 ungumhlobo we-broker kuLyon Real Estate eSigramento.