Abathengi basekhaya bahlala befuna ukwenza isipho kwintengiso entsha ezayo kwimarike ngoLwesihlanu ngaphambi kwendlu evulekileyo yeSonto. Olu xanduva lunesizathu esihle. Abathengi banenkxalabo yokuba omnye umthengi uya kuthandana nekhaya ngeSonto, mhlawumbi ngaphezu komthengi omnye, kwaye kukho ukunikezelwa kwamanani amaninzi , ukhuphiswano oluninzi, kwaye umthengi uya kulahlwa yiphupha lakhe ekhaya. Kuxhalabisa ngokufanelekileyo.
Ngakolunye uhlangothi lwengqekembe, ii-agent zoluhlu , inxalenye enkulu, zikhetha ukubeka ikhaya kwimarike ngoLwesihlanu ngelixa likhuthaza indlu evulekileyo yeCawa.
Ndiyacebisa abathengisi bam ukuba baphile phakathi kobusuku ngoLwesine kuba ngoLwesihlanu ngowona suku olungcono ukuluhlu lwekhaya . Ukutshintshela okutshintshela kwi-MLS phakathi kobusuku kuvumela zonke iifoto zilande kwiipolatifti ezininzi, ukwenza imifanekiso ifumaneke kuqala into yokuqala ngoLwesihlanu.
Indlela esoloko isebenza ngayo umthengi uvula i-imeyile yakhe yasekuseni ngeencwadana ezintsha. Emva koko ubiza umnxeba wakhe aze abuze ukuba abukele ekhaya ngoko nangoko kuba umthengi akafuni ukulinda indlu evulekile . Emva koko, akuqhelekanga, ngokukodwa kwimarike yathengisi, ukuba abathengi baqhube ngokukhawuleza ukuya eluhlu olutsha, balangazelela ukwenza isipho. Yilapho umthengi angaya kwi-arhente yakhe kwaye ufuna ukubhalela umnikelo kwindawo.
Iingxaki ezinokuthi zithengisa abathengisi banokuthi bathetha ukujonga zonke izibonelelo emva kwendlu evulekileyo ngeCawa. Bafuna ukubonakaliswa okude kunokwenzeka kwimakethe evulekileyo kwaye bakhetha ukunika inani elikhulu labathengi ithuba elihle lokubhengeza ekhaya.
Isipho sokulungiselela sizakufuna ukuba sibe nomtsalane onamandla kumthengisi ukuba samkele loo mnikelo ngaphambi kokulindela iziphumo ezivela kwindlu evulekile. Ukungathethi, nokuba umthengisi wamkela isipho sokuthengwa , i-arhente yoluhlu ingalindeleka ukuba ibambe indlu evulekile. Kunzima ukukhansela indlu evulekileyo ngomzuzu wokugqibela xa indlu evulekile ipapashwa kuyo yonke indawo kwi-intanethi.
Izenzo eziqhelekileyo zokwenza umnikelo phambi kweNdlu evulekileyo
Umhla wokugqibela wokumkela. Ngokucacileyo, umthengi ufuna umdayisi ukuba amkele isibonelelo ngokukhawuleza. Yintaka esandleni, ithemba ukuba umthengisi unokucinga. Umthengi akaqapheli ukuba isibonelelo esivela kwindlu evulekile asikwazi ukuzenza. Ukunikezelwa kwangaphambili kunokukwenza ukuba umthengisi azibuze ukuba ulahlekelwa yintlawulo ngokuthatha le nkonzo kumthengi onomdla. Ukunyusa umthengisi, abathengi banganika umthengisi ithuba elifutshane lokumkela isibonelelo, uthi ngoMgqibelo kusihlwa, apho umnikelo uya kuphelelwa khona.
Oku kuthetha ukunyusa isenzo kodwa akusebenzi ngaso sonke isikhathi kwaye, eneneni, inokubuya. Umthengisi angayichasa ingcinezelo. Umthengisi angenza kwakhona isibonelelo sokuphikisa , esiza kuqalisa iwashi sokwamkela. Akusoloko ilungileyo ukuzama ukunyusa umthengisi ukuba anikezele loo mfuno kuba abathengisi bangaziphindezela. Akuyena wonke umntu ophantsi kwentloko ngexesha lothethwano, kwaye ukuthengisa ikhaya lixesha elixinzelelekileyo kuninzi.
Uluhlu lwexabiso lokunikezela. Kubathengi, ukunika uluhlu lwamanani luphawu lokholo olulungileyo, olubhekiselele ekuboniseni ukuba lukhulu kwaye luzimisele. Noko ke, umthengisi unokuzibuza ukuba ngaba baya kufumana intengo ephakamileyo emva kokuba abanye abathengi batyelele ikhaya ngaphambili kunye / okanye emva kwendlu evulekile.
Bangazibuza ukuba ixabiso liphantsi kakhulu. Izigidi zeengcamango iingcamango kwiintloko zabathengisi ngeli xesha, ngokusoloko zibenza bazibaze ngokuthatha nayiphi na inyathelo. Baye baqhwala kuwe.
Ukukholelwa kwemali yemali. Abanye abathengi baya kwenza isipho-mali kunye nethemba lokuba ngokutshintshiselana nomthengisi uya kwenza ezinye iimvume. Mhlawumbi umnini-mthengi uya kwamkela isibonelelo esinomxholo wokuthengisa ikhaya elikhoyo okanye ukulungele ukunyamezela ixesha elide kunexesha elivaliweyo lokuvala ngenxa yokufumana isibonelelo semali. Ixabiso lemali lithetha ukuba akukho mfuneko yokubolekisa, akukho phononongo yokuhlaziywa kwebhanki, akukho nethuba lomthengi ongenakubhala phantsi , apho izinto ezininzi zingahambi kakuhle. Kodwa abathengisi abaninzi bayaqonda ukuba yonke imali ekupheleni, kungakhathaliseki ukuba yintoni.
Iingcebiso eziCwangcisiweyo kunye NezoQiniso zokwenza umnikelo phambi kweNdlu evulekileyo
Njenge-arhente yoluhlu, ndifuna inani eliphezulu labathengisi bam.
Nantsi indlela ndidla ngayo ekuthintela abathengi ukuba bazenzele zona, ekugqibeleni kubangele ukunikezelwa kwempumelelo kungakhathaliseki ukuba kuvule indlu. Kubaqalayo, ndicebisa abathengisi bam ukuba baqhubeke nezicwangciso zendlu evulekileyo, ngaphandle kokuba bafumana isibonelelo esikhulu kakhulu, kwaye ke, asinakuwwamkela olo thulo de emva kwendlu evulekile. Kuye kumthengisi ukwenza eso sigqibo. Ukuba umdayisi unzulu ngokulinda ukwamukela isibonelelo emva kwendlu evulekile, kusekho iindlela zokuthenga umthengi kunye nesonke kodwa uqinisekise ukuba umthengisi uya kwamkela umnikelo.
Ndibuye ndivumele ii-agent zithengizi ngaphambili phambi kokuba umnini-mthengi mhlawumbi uza kubamba indlu evulekileyo ngeCawa. Kodwa ukuba bafuna ukuba negalelo ekuxoxweni , kufuneka basebenze ngokukhawuleza baze bafake isibonelelo esinamandla. Masithi umthengisi ufumana isibonelelo esincinane kunokuba uluhlu lwamaxabiso. Oku kuya kubakho umthengisi kwaye athambekele ekubeni umthengisi abe nomona kubathengi. Abathengi bangaphonsa ezintweni ezimbalwa, kwakhona, ukuze benze isiphumo sithande ngakumbi:
- Bhala ileta esuka entliziyweni evela kumthengisi malunga nemeko yakho kwaye kutheni ufuna ukuthenga ikhaya.
- Nika umdayisi ithuba elithile lokuphumayo, ngaphandle kokubatsala ukuba baqeshise.
- Ukunikela ukufumana iindleko ezimbalwa zokuvala iimfestile umthengisi uya kuhlawula, okungeyikuphazamisa ukuhlolwa kwee-appraisal kodwa ingaba ngumthengi imali engaphezulu.
- Ukunikezela ukuthenga ikhaya ngaphandle kovavanyo lwengcaciso (qiniseka ukuxoxa ngeengcambu zesi sicwangciso kunye ne-arhente yakho).
- Hambisa isipho esicocekileyo, usixhase ngamaphepha amaninzi afana nobungqina bemali kunye neleta yokuqinisekisa .
Ubani ocinga ukuba umthengisi uya kucinga ngawo onke amaveki, ukususela ngoLwesihlanu kusasa ukuya kwiSonto ntambama? Umthengisi uya kucinga ngawe kunye nesipho sakho. Umthengisi uya kubabuza ukuba benza i mpazamo kwaye mhlawumbi kufuneka bamkele kuphela isipho sakho. Kuya kubakhoka ngeentsuku ezi-3 eziqinileyo. Emva koko emva kwendlu evulekileyo, nangona kukho izibonelelo ezininzi, umthengi lowo umthengi uya kukhangela uya kuba ngumthengi isiguli othe wangenisa isibonelelo esingaphezulu kwintengiso yesondlo ngoLwesihlanu kwaye uye walinda ngokuthula.
> Ngethuba lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.