Namhlanje, ukhetho lokuthenga, ukhetho lokuqeshisa, kunye nezivumelwano zokuthenga izithengiso zemali ezintathu ezihlukeneyo. Iintlukwano zizodwa zikarhulumente kwaye akuzona zonke izinto ezinemithetho efanayo.
Ngaphambi kokungena kwesivumelwano nomthengisi, abathengi kufuneka bafumane isiluleko sommeli wezezindlu. Ingcaciso engezantsi yiphononongo kwaye ayifuni ukuba kuthathwe njengengcebiso yezomthetho.
Isiseko seNketho
- Umthengi uhlawula imali yokuthengisa umthengi ilungelo lokuthenga ipropathi kamva. Olu khetho lwemali lunokuba lukhulu okanye lufana ne-$ 1.
- Umthengi kunye nomthengisi angavuma kwixabiso lokuthenga okanye umthengi angavuma ukuhlawula ixabiso lentengo ngexesha lokhetho lwenziwa. Ithengiselwano. Nangona kunjalo, abaninzi abathengi bafuna ukungena kwixabiso elizayo lokuthenga ekuqaleni ukhetho.
- Ixesha lesivumelwano sokhetho lithethathethwano, kodwa ubude obuqhelekileyo bubanzi ukususela kunyaka omnye ukuya kwiminyaka emithathu.
- Imali yokukhetha ayifumaneki kwakhona.
- Akukho mntu unokuthenga ipropati ngexesha lokukhetha.
- Umthengi angathengisa ukhetho kumnye umntu.
- Ukuba umthengi akayisebenzisi inketho kwaye uthenge ipropati ekupheleni kwenketho, ukhetho luphela.
- Umthengi akabophekanga ukuthenga loo propati.
Isiseko sendlela yokuqeshisa
- Umthengi uhlawula imali yokuthengisa umthengi ilungelo lokuthenga ipropathi kamva. Imali yokukhethwa kwemali ingabininzi.
- Umthengi kunye nomthengisi angavuma kwixabiso lokuthenga ngoku okanye umthengi angavuma ukuhlawula ixabiso lentengo ngexesha lokhetho lwenziwa. Ithengiselwano. Nangona kunjalo, abaninzi abathengi bafuna ukuvalela kwixabiso elizayo lokuthenga xa kuqalwe ukhetho lokuqeshisa.
- Ngethuba lexesha lokukhethwa kweqeshiso, umthengi uyavuma ukuqeshisa loo propati kumthengisi ngenani lemali eliqeshwe ngaphambili.
- Ixesha lesivumelwano sokhetho lokuqeshisa lithengiselwano, kodwa ubude obuqhelekileyo bubanzi ukususela kunyaka omnye ukuya kwiminyaka emithathu.
- Ukhetho lwemali ngokubanzi alusebenzi kwintlawulo ephantsi.
- Inxalenye yentlawulo yenyanga yokuqeshisa iyasebenza kwixabiso lokuthenga.
- Imali yokukhetha ayifumaneki kwakhona.
- Akukho mntu unokuthenga ipropati ngexesha lokhetho lokuqeshisa.
- Umthengi kanakho akwazi ukunika inketho yokuqeshisa ngaphandle kwemvume yomthengisi.
- Ukuba umthengi akayisebenzisi ukhetho lokuqeshisa kwaye uthenge ipropati ekupheleni kokukhethwa kweqeshiso, ukhetho luphela.
- Umthengi akabophekanga ukuthenga loo propati.
Isiseko seNtengo yokuThengisa
- Umthengi uhlawula imali yokuthengisa umthengi ilungelo lokuthenga ipropathi kamva. Olu khetho lwemali lunokuba lukhulu.
- Umthengi kunye nomthengisi bavumelana ngentengo yokuthenga, ngokuphindaphindiweyo okanye ngaphezulu kwexabiso lentengiso.
- Ngethuba lexesha lokukhetha, umthengi uyavuma ukuqeshisa loo propati kumthengisi ngemali eqeshwe ngaphambili.
- Ixesha lesivumelwano sokuthenga-qeshiso lithethathethwano, kodwa ubude obuqhelekileyo bubanzi ukususela kumnyaka omnye ukuya kwiminyaka emithathu, ngexesha apho umthengi esebenzela ukuxhaswa kwebhanki kwaye ahlawule umthengisi ngokugcwele.
- Ukhetho lwemali ngokubanzi alusebenzi kwintlawulo ephantsi.
- Inxalenye yentlawulo yokuqeshisa ngenyanga isebenza ngokuthe ngqo kwixabiso lokuthenga.
- Imali yokukhetha ayihlawulwanga.
- Akukho mntu ongayithenga loo propati ngaphandle kokuba umthengi aphelelanga.
- Umthengi akakwazi ukunika isivumelwano sesivumelwano sokuthenga ngaphandle kwemvume yomthengisi.
- Abathengi bahlala bexanduva lokugcina impahla kunye nokuhlawula zonke iindleko ezinxulumene nokugcinwa kwayo, kuquka iintlawulo kunye ne-inshorensi.
- Umthengi unyanzelekile ukuthenga loo propati.
Ukwenza indawo yokuqeshisa / Ukuqeshiswa kwezindlu
Hamba ummeli wezezindlu ukudweba amaxwebhu kwaye uchaze amalungelo akho, kubandakanyeka kunye neempembelelo. Ipropati inokuthi ifakwe kwiimali-mboleko eziphantsi kwamagatya, ukunika umnini-mali ilungelo lokukhawulezisa iimali-mboleko ezithengiswayo.
Ngamanye amaxesha abathengisi banikezela ukhetho lwemali kwi-arhente yabo yendawo yokuhlala njengentlawulo epheleleyo yentlawulo . Ama-arhente ahlale ebandakanyeka ekusebenziseni iinketho zokuqeshisa okanye ukuzaliseka kwezivumelwano zokuthenga iinqashiso kwaye, nokuba ngaba ugcine ukumelelwa kwee- estate agent , usadinga igosa lezakhiwo. Amagcisa awanamagqwetha kwaye akakwazi ukunika iingcebiso zomthetho.
Xa kwenzeka ukuthengwa kwempahla, fumana zonke iinkcukacha kwaye wenze ukunyamekela kwakho njengokuba uza kuthenga ngokuthe rhoqo. Ithetha ukuba:
- Fumana ukuhlolwa kwekhaya .
- Hlola umgaqo-nkqubo .
- Fumana uvavanyo .
- Funda ukuthengiswa kwemthengisi .
- Cinga ukufumana ukuhlolwa kwezilwanyana , isitifiketi sephahla , isicwangciso sewaranti sasekhaya kunye nokuqesha abanye abahloli abafanelekileyo.
IiNzuzo zokuThengwa kweeNkxaso zabaThengisi nabaThengi
Izivumelwano zokuthenga izithuthi ziqhelekileyo zinikezelwa ngabathengisi bezakhiwo ezinzima . Ycinge; ukuba ipropati yayilula ukuyithengisa, umthengisa uthengisa kumthengi oqhelekileyo oya kuhlawula imali yomthengisi.
- Abathengisi ngokuqhelekileyo bafumana ixabiso lemarike kumaxabiso anamhlanje kunye nokukhululeka ekuhlawuleleni imali yokuthenga impahla kwipropati engekho.
- Nangona iintlawulo zokuqeshisa zinokudlulela kwirenti yentengo, umthengi wakha i- paypayment , kunye neebhanki ukuba loo propati iya kuqonda ngaphandle kwexabiso elivunyelweneyo lokuthenga.
- Ngokuqhelekileyo abathengi benza imali encinci yokuhlawula, ngokuncinci okanye abangenakufaneleka, ukwenza ukuthengwa kwempahla ibe yindlela ekhangayo yokunciphisa inzuzo yobunini bendlu.
- Abathengi banokufumana isicwangciso sokulondolozwa ngokunyanzeliswa, kuba inxalenye yentlawulo yokuqeshiswa ibhalwa kwixabiso lokuthenga ekupheleni kwesivumelwano sokhetho lokuqeshisa.
- Ukuba umthengi akafezekanga, umthengisi akabuyiseli nayiphi na inxalenye yentlawulo yeqeshiso okanye ukhetho lwemali kwaye unokugcina ilungelo lokumangalela umsebenzi othile.
Ukufumana ulwazi oluninzi, qhagamshelana nommeli wezezindlu.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.