Amanyathelo abalulekileyo kwiNkqubo yokuThengiswa kweNdlu

Funda amanyathelo abalulekileyo ekuthengiseni ikhaya lakho

Inkqubo yokuthengisa ekhaya iyafana nokuba uyathengisa ukuthengiswa ngumnini okanye ukuqesha i- arhente yohlu . Ezinye iinkcukacha ziyahlukahluka phakathi kwala mazwe, kodwa ndiya kusebenzisa iCalifornia njengomzekelo ukususela ngoxa urhulumente ngokuqhelekileyo ubeka umgangatho welizwe elikhulu. Ezinye iintlukwano zolawulo zibandakanya umthengisi ukuqesha igosa elingumhlaba wezakhiwo kunokuba i-arhente kunye nomthengi angenise "isithembiso sokunikezelwa" ngaphambi kokuba enze isivumelwano sokuthenga .

Ukuthengisa lakho ikhaya:

1) Khetha i-Agent Listing

• I- ejenti yokurhweba iya kukumela kwaye inomsebenzi ojongene nokujonga izinto ezilungileyo.
• Iintlanganiso zodliwano-ndlebe kwaye zidibana nabancinci abathathu bezindlu. Zama ukuqesha amava.
• Buza imibuzo malunga nesivumelwano sakho sokubhala , kuquka ubude bexesha eliya kubalwa.

2) Khangela ukuba Unjani Ikhaya Lakho

• Impazamo enkulu yomthengisi kukunyusa indlu.
• Ixabiso lakho ikhaya ngokuhambelana nemakhaya athengiswayo echazwe kwingxelo yokuhlalutya imarike .
• Cinga ukuba imarike yakho ishushu, ibanda okanye ingathathi hlangothi , kwaye intengo ngokushisa kweemarike.

3) Yiya ekhaya ukulungele ukuthengiswa

• Lungisa ikhaya lakho ukuthengiswa ngokucoca, ukuchithwa nokuphucula isikhalazo.
• Heshisa umqeqeshi wezobuchule ukuza kwinqanaba lakho ikhaya , okanye ubuze i-agent yakho ye-real estate ngoncedo ngoncedo. Ngamanye amaxesha ungasebenzisa ifenitshala yakho.
• Yenza ukulungiswa ngaphambi kokuthengisa .
• Khusela ubumfihlo bakho ngelixa ikhaya lakho lisemarike.

• Ukuba uthengisa ikhaya apho izilwanyana zihlala khona , yenza ezinye izicwangciso zezilwanyana ezifuywayo.

4) Intengiso yekhaya lakho

• Wena okanye i-arhente yakho kufuneka uchonge amanqaku okuthengisa kunye nokukhetha amagama okuthengisa ukuthengisa.
• Vumela umkhankaso wokuthengisa umthengisi okanye uqaphele indlela yokuvakalisa indlu yakho ukuzithengisa.
• Landela iingcebiso ezili-10 zokuthengisa ekhaya ngokuthengisa ikhaya lakho.

• Ukuqesha inkampani yokutyelela ngokukodwa ukuthabatha iifoto eziphezulu kwaye ubeke uhambo olubonakalayo kwi-intanethi.
• Ukuthengiswa kweTweak ukunyusa izithuthi kunye nemiboniso.
• Qinisekisa ukuba uluhlu lwakho luthunyelwe ngekhompyutha. I-arhente yakho okanye kufuneka uzalise i-intanethi ngeefoto kunye nenkcazelo yekhaya lakho.

5) Bonisa ikhaya lakho

• Ukuba uzibuza malunga nebhokisi yebhokisi kunye nokuqeshwa , uza kufumana iimbonakalo ezingaphezulu xa uvumela ama-arhente basebenzise ibhokisi yokukhiya.
• Ikhaya lakho liza kubonakalisa ngcono xa uthengisa entwasahlobo kunokuba uthengise ebusika .
• Ukuthengisa ngexesha leeholide kunokubangela ukuba kuthengiswe ixabiso elincinci lokuthengisa, kungakhathaliseki ukuba ziphi i-agents ezikuxelelayo.
• Landela izindlu eziphezulu ezili-10 ezibonisa iingcebiso . Unethuba elilodwa-kwaye ngamanye amasekhondi amathathu kuphela - ukwenza uvavanyo lokuqala lokuqala.
• Lungiselela indlu evulekile kwaye usebenzise indlela encinci.
• Cela umthengi ingxelo ukuze ulungelelanise ixabiso lakho, imeko okanye iimkhankaso zokuthengisa ngokufanelekileyo.

6) Fumana Izipho zokuthenga nokuThetha

• Qinisekisa ukuba abathengi basebenzise ifomu elifanelekileyo lokubhala isipho sokuthenga .
• Nangona ufumana isibonelelo sebhola ye- lowball , thethana ngokukhupha isibonelelo se- counter . Musa ukungaziboni izibonelelo.
• Cela isigaba sokukhawulwa okanye ilungelo lokuqala lokukhanyela xa isithembiso somthengi sisekelwe ekuthengiseni ikhaya .
• Cinga ukwenza isibonelelo sokuphikisana nokuthenga ikhaya , ukuba iimeko zemarike zivuma.

• Ungesabi ukwenza umrhumo wexabiso elipheleleyo , ukuba ixabiso likhuphisana kwaye livumelekile.
• Ukuba ikhaya lakho lixabiso elifanelekileyo, zilungiselele izibonelelo ezininzi .

7) Vula i-Escrow nesihloko soMyalelo

• I-arhente yakho okanye umququzeleli wokuthengiselana uya kuvula ukucima nokulungisa umgaqo-nkqubo .
• Bhala phantsi ulwazi loqhagamshelwano lwe-arhente yokuvala.
• Khetha usuku oluvaliweyo ngokusekelwe xa umbolekisi womthengi uya kuxhasa .
• Cela iirisithi imali yokuthenga imali .

8) Ukutyunjwa kweShedyuli yokuHlola

• Hlanza indlu ngosuku ngaphambi kokuba i-appraiser ifike.
• Ukuba ufumana uvavanyo oluphantsi , cela ummeli wakho malunga nezinye iindlela.
• Awunelungelo lokufumana ikopi ye-appraisal kuba awuzange uyihlawule.
• Ukuba umthengi enquma ukukhansela isivumelwano-mali esisekelwe kwiphononongo, cela ummeli wakho okanye igqwetha ngamalungelo akho.

9) Bambisana noHlolo lweKhaya

• Lungele umhloli wekhaya .

• Buza i-arhente yakho ukuba ikunikeze uluhlu lwezinto zokuhlola ekhaya ukuze uzazi ukuba yiziphi izinto umhloli ofuna ukuzibona.
• Lungisa i- attic kunye nesiseko ukuze uhlolwe kwakhona. Hambisa izinto ngaphandle kweendonga egaraji.
• Kwakhona, lungiselela ukuhamba kokugqibela-ngokusebenzisa ukuhlolwa okwenzeka iintsuku ezimbalwa ngaphambi, okanye ukusa, ukuvala.

10) Fumana i-Inspector-Required Inspections

• Ukuba isivumelwano sakho sifuna isatifikethi sokuphahla, qeshisa inkampani ehloniphekileyo ukuba ihlole.
• Amazwe avumela ukuhlaselwa okanye ukuhlolwa kwezilwanyana zenze iirekhodi zikarhulumente.
• Imirhumo yazo zonke iingxelo zokuhlola, nokuba ngaba umthengisi-ogunyazisiweyo, uthengiswa.
• Ukuba ikhaya lakho lakhiwa ngaphambi kowe-1950, ukuhlolwa kwe-owergeyile kungabiza umgca wendlela yokuhambisa umjelo omtsha, kodwa ukuthungqwa kwemithombo engqongqo kungabibizi ukufaka.

11) Ukuthengiswa kweentengiso Ukuthengiswa

• Wonke amakhaya aseUnited States aphantsi kokuchazwa kwepeyinti ekhokelayo , kungekhona nje eyakhelwe ngaphambi kowe-1978.
• Ukuba uyazi izinto eziphathekayo , zityhila.
• Inkampani yakho yenkampani kufuneka inike i-CC ne-R, kodwa ukuba ungowomninimzi womnini , kuya kufuneka iimpepha ezongezelelweyo.

12) Xoxa ngesicelo sokulungiswa

• Ngokuqhelekileyo, abathengi akudingeki ukuba bamkele isicelo somthengi sokulungisa ; Noko ke, abathengi banokuphelisa isivumelwano.
• Unelungelo lokufumana ikopi yombiko wokuhlola ekhaya xa abathengi becela ukulungiswa.
• Ukuba awukhethi ukwenza ukulungiswa, umthengi mhlawumbi uya kwamkela ixabiso lokuthenga iindleko .

13) Cela Umthengi Ukukhulula Iimfuno

• E-California, umzekelo, izivumelwano zingagqibekanga kwiintsuku ezingama-17, ngeliphi ixesha, umthengi kufuneka akhululwe.
• Ukuba awufunanga ukukhululwa, abathengi ababophekile ukuba banikezele.
• Ukuba abathengi ababoneleli ukukhululwa, e-California, abathengisi banelungelo lokukhansela isivumelwano.

14) Isihloko soTyikityo kunye neeNgxelo zeeScott

• Emazantsi karifornia, uya kusayina amaxwebhu e-escrow kungekudala emva kokuvulwa kokungena.
• Enyakatho yeKalifornia, uya kusayina amaphepha e-escrow kufuphi nokuvala.
• Kwamanye amazwe, kuqhelekileyo ukuba wonke umntu ahlale ejikelezweni kwetafile, bonke abathengi kunye nabathengisi, ngoko cela i-agent yakho ukuba ibe yinto evamile kwimeko yakho.
• Yenza uphawu lokubonisa umfanekiso.

15) Vala u-Escrow

• Isenzo sakho sepropati , ukubuyisana kunye nokwenziwa kwetrust kuya kubhala kwiirekhodi zoluntu.
• Inkampani yenkampani iza kukuxelela kunye ne-arhente yakho xa ibhala izenzo.
• Ngokuxhomekeke kumalungelo okuthenga umthengi ochazwe kwisivumelwano, unokufuneka uhambe ngosuku ovala ngalo okanye ngaphambili.

Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.