Fumana Iinkcukacha ezibalulekileyo ngaphambi kokuba wenze i-Home Offer
Kuhlala kusinceda ukufumanisa ukuba kutheni umthengisi uthengisa; Nangona kunjalo, ungeke ukwazi ukufumana olo lwazi kuba i-arhente yoluhlu ingenakukuxelela. Kodwa unokuqokelela ulwazi ngaphandle kokuthembela kwintsebenziswano ye-arhente yohlu.
Qaphela ukuba akukho yodwa yodwa kwezi zinto ezilandelayo ezaneleyo, kodwa ngasinye esisetyenziswa ngokubambisana nabanye siya kunceda abathengi ukuba benze isigqibo malunga nokuba yeyiphi intengo efanelekileyo ukunikela.
- Misela iMakethe: Hlola ubushushu beemarike. Ngaba iyimakethi eshushu, ebanda okanye engathathi hlangothi ? Ukuba wenza isithembiso kumakethi yomthengi , uya kuba nokhuphiswano oluncinane ekhaya. Abathengisi baya kuba banamathuba okuba bamkele nayiphi na isithembiso kuba baninzi abathengi.
Ukuba uthengisa kwiimarike zathengisi, abathengisi abanakucinga naluphi na umnikelo ongaphantsi kwoluhlu lwamaxabiso. Enyanisweni, abathengisi banokufumana amanqaku amaninzi, oku kuthetha ukuba isipho sakho kufuneka sibe mnandi kangangoko kunokwenzeka ukuphumelela.
- Fumana ukuba uMthengi uhlawulwe kangakanani : Nangona kunjalo ukuba ngamaxesha amaninzi intengo umdayisi ohlawulwayo ekuqaleni ekhaya ayinakuthanda kwiimarike zanamhlanje; Nangona kunjalo, ukuba umdayisi uthengile iminyaka embalwa edlulileyo kwimarike ecinezelekileyo , engaxabanga kangako, ixabiso elibuzayo kufuneka libe kufuphi nomthengi wexabiso lokuthenga. Nangona ungeke ukwazi ukufumana imeko yekhaya xa uthengisa umthengisi, nokuba ingaba iimeko zazingenisekanga, unokulungelelanisa ukwanda kwamaxabiso ngenxa yokuxabisa nokuphucula ukulungiswa .
- Qinisekisa uMthengisi Wokulinganisa Imali: Ngaphandle kokuba umdayisi engenzi phantsi kwaye ekulungele ukuthatha inxaxheba kwintengiso emfutshane , umthengisi akanakwenzeka ukuba amkele isipho esingaphantsi kwemithwalo yemali, kunye nezindleko zokuvala. Ukuba umdayisi unomlinganiselo ophezulu kakhulu wokuboleka imali, kwaye loo propati ayikho, unokucinga ukuba umthengisi wenza loo ntlawulo ye-mortgage ngaphandle kwe-pocket, mhlawumbi ehlawula emakhaya amabini. Ukuba ibhalansi yemali ephantsi kakhulu, umthengisi akanako zikhuthazwe ukuba zithengise ngokukhawuleza kwaye zikwazi ukulinda i-market ukuze zifumane uluhlu lwamanani.
- Hlola ukuthengiswa okuthelekiswayo : Xa ukhangela ukuthengiswa okuthelekiswayo, sebenzisa kuphela iipropati ezifana nokucwangciswa, ubudala, kunye nendawo yokuhlala oyifunayo. Sebenzisa idatha esuka kwintengiso esandul 'ukuthengiswa, kwaye ungakhangeli ngaphaya kweenyanga ezintandathu kuba abahlaziyi-appraisers abayi.
- Hlaziya uluhlu lwamaxabiso-kwi-Sales-Price-Ratios: Buza i-arhente yakho ingxelo yengxelo ehamba kwiinyanga ezintandathu zokugqibela. Khangela phezulu amaxabiso amakhaya njengoko adibene kwaye uwafanise namaxabiso athengise. Buza ukuba ingakanani isithuba? Ngaba amakhaya athengisa uluhlu lwamanani okanye ngaphantsi? Ukuba phantsi kwexabiso lexabiso, yiyiphi ipesenti? Ukuba amakhaya amaninzi athengisa kwi-2% phantsi kwexabiso lohlu, umzekelo, loo pesenti ingabonisa intlawulo umthengisi uya kuyenza okanye ayifanele ayamkele.
- Hlola Izindleko zeeNyawo zePalasi: Okokuqala, qondanisa ukuba amakhaya amancinci athengwa ngamanani aphezulu kunye neenyawo ezinkulu zixabiso elingaphantsi kweenyawo zendawo . Awukwazi ukuthatha iindleko eziqhelekileyo zeenyawo zeenyawo kwaye uzininzi ngamanqaku ereyitha ekhaya ofuna ukuyithenga ukuza nexabiso elifanelekileyo ukunikela. Kodwa unokwenza uhlolisise imimiselo ukujonga ukuba imilinganiselo yeendleko zeenyawo iyakhula okanye iyancipha kwaye isebenzise le ngcaciso inzuzo yakho.
- Buza Imbali Yasekhaya kunye ne-DOM: Ngezinye amaxesha abameli bathatha uluhlu kwiimarike baze babuyiselwe njengoluhlu olutsha. Fumana ukuba ikhaya liluhlu oluphelelwe yisikhathi kwaye luyayeka. I- DOM ibalulekile kuba ukuba amakhaya sele esetyenziselwe ukuthengisa kwixesha elingaphezu kweentsuku ezingama-30, abathengisi banokukhuthazwa ukuba bathuthuke baze baphathe.
Ekuvaleni, zama ukungaxhomekeki ngokomzwelo ekhaya ngaphambi kokuba isipho sakho sokuthenga samukelwe. Zizilungiselele ngokubonelela nge- counter . Gcina amanye amakhaya engqondweni xa imeko yakho inqatshelwe .
Yiya kwiPhepha lokuqala: Uninzi kangakanani lokunikezela kwikhaya
Ngelo xesha lokubhala, u-Elizabeth Weintraub, uBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.