Funda ukuba kutheni amaninzi amaninzi okuthengisa athathaka

Iintengiso ezininzi ezimfutshane zihluleka kwiNqanaba lokuVunywa

Ukuthengisa okufutshane kukundikhumbuza u-Elizabeth Barret Browning. Ukuthengisa okufutshane kukuphelelwa njani? Makhe ndibale iindlela. Ukuthengiswa okufutshane kunokuphelelwa ubunzulu nobubanzi kunye nokuphakama umphefumlo womthengi weentlanzi unokufikelela. Kuqhelekile ukuba uloyiko lokuba ukuthengisa okufutshane kuya kuphumelela, kuba uva okunye malunga neentengiso ezimfutshane ezingavaliyo.

Kodwa ezithengiweyo ezincinci zivaliwe. Ndiza kuqikelela ukuba i-2 kuzo zonke i-3 ezama ukuthengisa okufutshane akuyikushiya; bavala.

Izinga lokuphumelela lingaba liphezulu. Ingxaki yakho yokuvala intengiso emfutshane inyuke kakhulu kwinani elichanekileyo lokuvalwa okuphethwe yi-arhente yoluhlu .

Oko akuthi ukuba i-agent ye-novice ayikwazi ukuphatha ukuthengiswa okufutshane, kodwa ama-agent auction short short often learn from their mistakes. Umntu ongenamava omthengisi omfutshane unokungazange ajongane nezinye zeengxaki ezinokuthengiswa okufutshane okanye ukungena kwisisombululo esheshayo, esinokubangela ukuba ukuthengiswa kwakho okufutshane kukuphelelwe.

Ngoko yintoni e ngahambi kakuhle? Yintoni enokwenza ukuthengisa okufutshane kukuphelelwe? Ukucinga ukuba unikezele ngexabiso elifanelekileyo le ntengiso emfutshane kunye nabathengisi banelungelo lokuthengiswa okufutshane , ezininzi iingxaki ekuthengiseni okufutshane kwenzeka malunga nesigaba sokuvunywa. Emva kokuba ulinde iinyanga zokuvunyelwa kweentengiso ezimfutshane , iziphepho ezinamanzi ezinqabileyo kunye neentlango ezinqabileyo zelanga. Ezi zilandelayo zi-10 zezizathu eziphezulu zokuthengisa okufutshane kuya kuphumelela:

# 1) Ukuthengisa okufutshane kukusilela ngenxa yokungabonakali kwabathengisi besiBini

I-arhente umhlobo wam eVirginia oxoxisana nempahla emfutshane yokuthengisa uthelekisa nebhola le-ping pong, ngendlela ahlala ehlulwa ngayo phakathi kwabalimi bokuqala nabesibini.

• Umboleki wokuqala angavumelekanga ukuba ahlangabezane nesicelo semali yesibini.
• Umntu wesithathu umboleki anganqabela ukudlala ibhola.
• Abanye ababolekisi abesibini abenza abathengisi ukuba bathengise ubuqhetseba obuthengisa ukuthengiswa kwemali , okuya kwenzeka ukuba umboleki-mali ufuna ukuhlawulwa ngaphandle kwe-HUD-1.

# 2) Ukuthengisa okufutshane kukuphumelelanga kuba iKhaya lingenalutho

Izikhokelo ezininzi zokukhonza zifuna ukuba ikhaya lihlale lihlala.

Baya kuqhubeka ukugxininisa ukuba umthengisi abuyele, kwaye abathengisi abaninzi abanako ukukwazi ukwenza njalo. Uya kuba nethuba elingcono lokuvala ukuthengiswa kwakho okufutshane ukuba umthengisi uhlala kwipropati.

# 3) Ukuthengisa okufutshane kukuphumelelanga ngenxa yeemfuno zenkxaso yomthengisi

Amabhanki afuna umrhumo wathengisi ngexesha lonke, nokuba umthengisi akanakho imali kwaye akukho nhlobo. Ibhanki inokugxininisa ukuba umthengisi ukhawule ngekheshi okanye asayine inzala engenzi-nzala, i-long-term promissory note .

# 4) Ukuthengisa okufutshane kukuphumelelanga ngenxa yokuntuleka kweVerage

Abaninzi bavumela ukugwetywa kweemali xa ababolekisi bathatha inzuzo emfutshane, kungakhathaliseki ukuba imali ingathengi imali okanye mboleko yemali enzima . Akunabo bonke abathengi abaya kuvuma ukususa ukungabikho kwemvume kwincwadi evela kwintengiso emfutshane. Nangona kwiimeko ezingaxolelwanga nakwezinto ezingenzileyo, ukwenza ukuthengiswa okufutshane kunokutshintsha okanye ukuguqula ukuxolelwa kwabathengisi.

# 5) Ukuthengisa okufutshane kukuphumelelanga ngenxa yokuba ii-PSA zikhetha ukuchithwa

Kungenzeka ukuba izikhokelo zeenkonzo zingenakuquka nayiphi na imiqathango yokuthengisa okufutshane. Kweso siganeko, ukuthengiswa okufutshane akuyi kunikwa, nangona kubonakala ngathi yonke ibhanki iya kuvuma ukuthengiswa okufutshane. Ukongezelela, ezinye ii- PSA zenza imali eninzi xa ikhaya liya kwi- foreclosure ngenxa yokukhuthaza izikhokelo.

# 6) Iintengiso ezimfutshane zihluleka ngenxa yeziTyala zeRhafu, ii-UCC kunye neeSigwebo

Isheke esheshayo serekhodi zoluntu siza kubhengeza izibheno ezifakwe kwikhaya okanye kumthengisi, kodwa bambalwa abathenge abathengisa itekisi yecatshulwa baze bafumane imvume yokuthengisa emfutshane . Ezinye iindidi zeenqwelo ziya kulandela umthengisi nangemva kokugqithiswa kwaye kuya kufuna ukuhlawulwa ngaphambi kokuthengisa okufutshane. Ngokuqhelekileyo, iibhanki aziyi kuhlawula ezo zivumelwano.

# 7) Ukuthengisa okufutshane kukuphumelelanga ngenxa yokuba iBhanki inikeza ukuguqulwa kwemali

Ndiye ndathengisa abathengisi phakathi kwentengiso emfutshane ukuthetha ibhanki, eyayizange yenqabe ngaphambili ukuba inikeze ukuguqulwa kwemboleko , ngoku ifuna ukunika abathengisi icebo lokubuyisela elimangalisayo abathengisi abanako ukuhlawula.

# 8) Ukuthengisa okufutshane kukuphumelelanga kuba iKhaya liVandalized

Amakhaya aphumayo angahlala amadada asela. Amapayipi amanzi angaphinda aphule kunye nekhukula ekhaya.

Umbane ungayibetha kwaye ushise indlu emhlabathini. Kodwa ngokuphindaphindiweyo kunokuba, amasela aphule, aphange izixhobo kwaye akhiphe ubhedu. Amabhanki kaninzi aya kuhlawula ukulungiswa.

# 9) Ukuthengisa okufutshane kukuphumelelanga kuba abathengisi bafumana umsebenzi

Ezinye iimveliso ezimfutshane zingathatha ixesha elide ukuba zifumaneke ezivunyiweyo ekugqibeleni umthengisi uza kufumana umsebenzi. Xa sele uqeshiwe kwaye ufumana inzuzo engenayo, umthengisi akanakho ukufaneleka ukuthengiswa okufutshane.

# 10) Ukuthengisa okufutshane kukuphumelelanga kuba akuyiyo yonke imali evunyelwe ukuhlawula

Umthengi angadinga i-credit malunga neendleko zokuvala kwaye ibhanki inokungafuni ukuyihlawula. Iindleko zokuvala zomthengi zingafikelela kwi-3% yentengo yokuthengisa, phantse ubuninzi bokuhlawula umyinge we-FHA mboleko. Ukuba ibhanki yomninimzi ihlawulwe, i-bhanki inokungafuni ukuhlawula loo ntlawulo, phakathi kwezinye iindleko.

_{Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.}