Abathengi basekhaya batyikitye imfumba enkulu yekhaya yokuvala amaxwebhu ukuthenga ikhaya. Amaphepha ebolekayo, ayenayo manani amakhulu amaphepha, angaba ngamaphepha angama-100 okanye ngaphezulu. Kuyi-insane, kwaye amaninzi aloo maxwebhu ayinayo inzuzo yomthengi kunokuba umbolekisi (ukuphepha ukugwetywa kwexesha elizayo). Mhlawumbi aninayo indawo yokugcina zonke ezi maxwebhu emva kokuvala, njengoko beza kudla indawo enkulu yokugcina.
Ngubani ogcina iphepha namhlanje, nangona kunjalo?
Umfundi uyabuza: "Emva kokuvala idibanti ekuthengeni ikhaya lam elitsha, ngaba ndiza kugcina amaphepha amanani? Ngaba ngaba kufuneka babe ngabokuqala kwaye baqinisekiswe okanye ngaba iikopiko? Okwangoku ndineefomela kuphela zezinto zonke, kodwa ezinye iisayina zazingagqitywanga. Ngaba kufuneka ndikhathazeke kwaye ndiqale ukuqokelela onke amaphepha enu angaphambili njengomgaqo-mnikazi wam, izenzo, iifidavithi, njl. Andiyazi into endiyidingayo kwixesha elizayo. "
Impendulo: Kufuneka ugcine ifayili egcwalisiweyo emva kokuvala ekhaya lakho, oku kuthetha ukuqokelela iikopi zazo zonke iincwadi ezasayinwe ngexesha lokuthengisana nomthengisi. Awunayo imfuneko imvelaphi yokuqala, kodwa kufuneka ube neempendulo ezizaliswe ngokupheleleyo kunye nazo zonke iisayina. Kufuneka uqikelele ukugcina la maxwebhu ubuncinane kwiminyaka embalwa emva kokugqibela ukuthengisa ikhaya lakho. Kwabanye abangasoze bathengisa, oko kuthetha ukuba ngonaphakade.
I- arhente yakho ye- real estate kufuneka akwazi ukukunika ikopi yemibhalo yokuthengiselana kuba abadayisi bezindlu zangaphandle kufuneka bagcine ifayile kumthengi ngamnye kunye nomthengisi. Nangona kunjalo, amaxwebhu okuvala agcinwa ngokugqithiseleyo ngegosa lokuvala, igqwetha okanye igosa lokuhlawula. Ezi phepheni zihluke kumaphepha afakwe kwiintetho zeengxoxo kwaye ziya kubandakanya amaxwebhu ezezimali kunye nomthetho.
Amaphepha kunye neempesheni zokuboleka imali zifakwe kwi-recorder yomgcini kwaye zibe irekhodi karhulumente, oku kuthetha ukuba unokuhlala ufumana ikopi yala maxwebhu kwi-ofisi yerekhodi okanye kwi-kampani yenkampani.
Amaphepha okuvala ukugcina emva kokuthenga ekhaya
Izizathu eziphambili zokugcina amaphepha alandelayo anokubhekiselele kwintetho-esichazela ukuhlaziywa kwakho - okanye kwimeko apho kufuneka ufake ibango, mhlawumbi kumthengisi, iqela lakho lokumelwa kweengcali okanye iikontraki. Kwiminyaka yanamhlanje, amaninzi amanqaku agqityiwe ngenye indlela, ngokukodwa amaxwebhu okuthengisana.
I-Realtor yakho okanye umququzeleli womthengi mhlawumbi unokunika ukhuseleko olukhuselekileyo ukugcina la maxwebhu ngokukhuselekileyo kwikhompyutha yakho okanye kwi-CD.
- Isivumelwano sokuthenga
Ikhontrakthi ukuthenga ikhaya, elibeka yonke imimiselo nemiqathango efunekayo yokuvala. Lo ngumqulu wonke amaqela asayinwe xa uvuma ukuthenga ikhaya. - IziHlomelo, iziHlomelo okanye abaLimi
Nayiphi na into eguqula okanye eguqula imiqathango yesitrakthi sakho sokuthenga. Olu hlobo loxwebhu lunokucacisa, umzekelo, amagama kwisicatshulwa okanye isipelo lomthengisi okanye igama lomthengi okanye ukulungisa idilesi yesitalato. - Izicelo zokuLungisa
Naziphi na izivumelwano zemali okanye izivumelwano zokulungisa izinto. I-addendum yokulungisa ichaza uhlobo oluthile lomsebenzi oza kugqitywa kwaye luyakwazi ukupela ukuba ingaba umsebenzi ungadinga imvume okanye kwenziwe ngumbonisi okhutshelwe ilayisenisi.
- Ukuthengiswa kweentengiso
Kubandakanya inkcazelo yezinto eziphathekayo, ipeyinti ekhokelayo, isitatimende sokubhengezwa kwenkcazelo, kunye nezinye iziqinisekiso ezibhalwe phantsi, ukuqinisekiswa okanye ukuchazwa ngumthengisi. La maxwebhu ahlala esisiseko somgwebo ozayo kubathengisi. - Izikhokelo zee Escrow , ukuba zikhona
Ngokuqhelekileyo iphakamisa isivumelwano sokuthengwa kwaye ichaza imimiselo nemiqathango yesivumelwano phakathi kwabathengi nabathengisi. Ugunyazisa ukuhanjiswa ukwenza izenzo ezithile egameni lamacandelo athatha inxaxheba. - Uhlolo lweKhaya
Isishwankathelo seziphumo zomhloli wekhaya , ezibonisa ukuba zeziphi izinto ezifanelekileyo kwaye zifuna ukulungiswa okanye ukutshintshwa. Kufuneka ufake iifoto. Ukuba le fayili yedijithali, uyikopishe kwiCD njengendlela yokulondoloza kwimeko apho ikhompyutha yakho ilahlekelwe yidatha. - Ukuhlolwa kwezilwanyana kunye neSatifikethi sokuzaliswa
Ikopi yengxelo evela kwinkampani yokuhlola inkathazo kunye nesitifiketi sokuthi umsebenzi ugqityiwe. KwiCalifornia, umzekelo, ukuhlolwa kwezilwanyana kwifayile kwimiba emibini kwiphondo.
- Ezinye ii-Inspections kunye namaxwebhu axhumene neMisebenzi
Nawuphi na olunye uphenyo okanye umsebenzi owenziweyo. Oku kungabandakanya ii-invoyisi zentengiso kunye neemvume. - Izicwangciso zeWarranty Plans
Kuquka nenombolo yomgaqo-nkqubo kunye neenkcukacha zoqhagamshelwano zokulungisa iifowuni. Kwakhona ichaza oko kuhlanganiswe phantsi kwewaranti yesiqhelo sekhaya kunye neentlobo zezinto ezingagqithwanga. Usenokumangaliswa ukufunda into engekho. - Ukuvalwa kweNgcaciso
Kuquka zonke iindleko zakho eziqikelelweyo, ezibekwe ngendlela ongayiqondi, nangona urhulumente ezama ukukwenza kube lula kuwe. Buza imibuzo malunga neemali ongaziqondiyo. - Iingxelo zokuvala ezilinganisiweyo
Uqikelelo lokugqibela lwazo zonke iindleko kunye neentengo zokuthenga ikhaya. Olu xwebhu luquka intengo yokuthengisa, imali yakho yokuvala isondlo, umrhumo wakho wemali mboleko kunye nazo zonke ezinye iindleko ezihlawulwa ngokukhawuleza ukulungisa ukuthengiswa, kubandakanywa iikhredithi kunye neendleko. - Inqaku lokuThengisa kunye neNgxowa-mboleko
Ngokuqhelekileyo, le ngxelo ayibhaliwe, kwaye awuyi kufumana inqaku langaphambili kuze ihlawulwe ngokupheleleyo. Imali yokubolekisa iya kubonisa ibhalansi yakho eyintloko kunye nemigqaliselo yakho yemboleko njengoko kufuneka ngumboleki. - Ipolisi ye-inshorensi
Imiqathango, iimeko, isaziso se-premium kunye nenombolo yomgaqo-nkqubo ye-inshorensi yomninikhaya. Ukuba umbolekisi wakho ufunyenwe, umbolekisi uya kuhlawula i-premium yakho emva kokuvuselelwa. Ukuba akunjalo, kufuneka uhlawule rhoqo ngonyaka. - Umgaqo Wesihloko
Yenza i-vesting yakho, inani elingu-dollar ye-inshuwalense yetayiti, kunye nemvume yokufikelela. Iqukethe igama lenkampani yenkampani, umhla wokukhutshwa nenombolo yomgaqo-nkqubo.
Amaphepha okuvala ukuba agcine njengeziqalo emva kokuthenga ikhaya
Ukuba ulahlekelwa yile ya maxwebhu, unokufumana ikopi eqinisekisiweyo kwi-arhente yokuvala okanye kwi-arhente yakho yokuhlala. Ngokomzekelo, ndicela umncedisi wam ukuba anike ingxelo yesibini yokuvala kubo bonke abathengi bam phambi kwerhafu yerhafu (kuba bahlala bengayifaki indawo).
- Ingxelo yokuvala
Iqukethe zonke iindleko ezisemthethweni kunye nezikwere zokuthenga kwakho ekhaya. Uya kuyidinga le khophi ukufaka iirhafu zakho zerhafu kuloo nyaka wekhalenda ngenxa yokuba ezinye izinto ziza kutsalwa irhafu. Nika lo mbhalo kwi-preparer yakho yentela. Isitatimende sakho sokuvala mhlawumbi siya kuqinisekiswa ngokusondeleyo. - Mthetho
Ixwebhu lokudlulisa isihloko libuyiselwe kwiofisi yoMrekhodisi wenkampani emva kokufakwa kwiirekhodi zoluntu. Iqukethe indlela ophethe ngayo isihloko, igama labathengisi abaninika isihloko kunye nencazelo yomthetho yomhlaba . Incwadi iya kuthunyelwa kuwe emva kokurekhoda.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.