Impendulo: Kwintengiso emfutshane, uluhlu lwamaxabiso ludla ngokuthethileyo lithetha i-diddly-squat. Kungaba njani, unokuzibuza. Umthengisi kunye nomthengisi wakhe unokubeka njani intengo kwisitengiso esifutshane esingenjalo ? Yenziwe yimihla ngemihla kwimizi yaseMelika.
Kuzo zonke iidolophu ngaba abathengi njengawe xa ubuza umbuzo ofanayo: Unjani ukuguquguquka kwintengiso efutshane? Okanye, bayabuza: Uza kuhamba ngaphantsi kangakanani umdayisi? Ngenxa yokuba yiloo nto abathengi abafana nawe bafuna ukwazi. Yintoni anokuyithengisa loo ntengiso emfutshane? Yiyiphi intengo ayenayo yokunikela? Ukuba banikezela intengo yexabiso , ibhanki kufuneka yamkele elo xabiso, akunjalo? Impendulo ayikho. Ibhanki ayikho.
Yiyiphi intonga. Njani oko? Ungathengisa njani umthengisi kunye negosa lakhe lonke iqela labathengi njengaye, unokucinga. Yile ndlela ukuthengisa okufutshane kukuxabisa ngayo . Amanye amaxabiso alungileyo kwaye amanye amanani athengiswayo amancinci awanjalo.
Ixabiso elithengiswayo elifutshane
Okokuqala, qaphela ukuba ukuthengisa okufutshane kukulungelo.
Akulungile. Amabhanki akufuneki ukuba avumele ukuthengisa okufutshane. Akukho mthetho othi ibhanki kufuneka inikeze ukuthengisa okufutshane kumthengisi wendlu engaphantsi kwamanzi . Amabhanki enza ukuthengisa okufutshane malunga nemigaqo emihlanu:
- Umthengisi ungaphantsi kwamanzi
- Umthengisi unenkxwaleko okanye usengozini yokungena
- Umthengi ufanelekile ukuthenga ikhaya
- Kunenzuzo ngakumbi ukuthengiswa okufutshane kunokuba kufakwe kwangaphambili
- Ixabiso elaneleyo okanye kwixabiso lentengiso
Yiyo yokugqibela yebhanti ukuba amabhanki anenkathalo malunga nokugqiba ukuthengisa ubungqina obufutshane. Bafuna ukulawulwa kwexabiso. Ukulawulwa kwexabiso kuthetha ukuba abayi kuchitha ixesha ekusebenziseni ukuthengisa okufutshane okuxabiso eliphantsi kakhulu. Kodwa oko kuthetha ukuba abanakufumana nayiphi na isipho ngenxa yokuba bathathe intengiso engafanelekanga.
Ngenxa yeso sizathu, andithandi ukuvuma kwangaphambili ukuthengisa okufutshane. Kuya kuba lunengqiqo kwiibhanki ukuvumela ukuba ixabiso lizithengise imarike, kodwa kungekhona wonke umntu odlala ngokufanelekileyo kwaye akuthenganga yonke intengiso emfutshane ixabiso lentengiso.
Ngaphezu koko, umthengi kufuneka aqonde ukuba nje ngenxa yokuba ibhanki iqinisekisile intengo yokuthengisa, akuthethi ukuba umthengi kufuneka anikele ngexabiso. Umthengi anganikela ngaphantsi kodwa ibhanki ayinakuyivuma. Nangona kunjalo, ukuba umthengi anganikela ngenani eliqinisekisiweyo, ukuthengisa okufutshane kuya kuvunywa, ukubonelela umthengi afanelekileyo.
I-Bhanki ikhetha njani ixabiso elithengisayo elifutshane?
Ndihambile ngeenxa zonke kunye neebhanki kwixabiso elingaphezulu kunoma yimuphi umbandela kwintengiso emfutshane. Ngokomzekelo, ndabhalisisa ikhaya elifutshane lokuthengisela , bathi, i-$ 599,000 kwaye wanikwa umnikelo we-$ 599,000.
Ibhanki yagqiba ifuna i $ 635,000. Abathengi bavumelana ukunyusa ixabiso kwi $ 635,000. Emva koko, umnini-mboleko wathengi uyayifumana kwi $ 599,000. Ibhanki yavuma ukuthengisa kwi-599,000 yeedola.
Uninzi lweebhanki lithembele kwi- BPO . Baqesha i-ejenti osemashishini okwenza ngokukhawuleza ama-appraisals mini kwixabiso elincinci. Igosa lijongela amakhaya ngaphakathi kwirejista evela kwipropati yesifundo. Amakhaya afana namanqanaba omgangatho ofanayo, ubudala kunye nemeko.
Le nkqubo isebenza kakuhle nje ngokuba kukho ukuthengiswa okuthelekiswayo kwiinyanga ezi-3 zokugqibela kwaye ngokude nje ukuba ummelwane ufana. Kodwa ngokuqhelekileyo i-agent ye-BPO ingadinga ukulungelelanisa ixabiso ngokuchithwa okanye ukungezelela kwintengo yokuthengisa yamakhaya angalinganiyo. Akunjalo yonke i-arhente iyazi ukwenza oku. Okanye, i-arhente inokudlula imigca yomda wommandla kwaye ingaqapheli imiyalelo eyahlukeneyo yommandla ngexabiso elithile.
I-BPOs, njenge-appraisal, inxulumene nobugcisa kunye nesayensi, kungekhona isayensi. Ngaphambi kokuba uthenge ukuthengisa okufutshane okanye wenze isipho ngokuthengisa okufutshane , kufuneka ucele i-agent yakho ukuba isebenze ukuthengisa okufaniswayo , njenge-agent ye-BPO. Emva koko, uya kuba nembono entle ukuba ingaba ibhanki iya kwamkela isipho sakho. Ukuba umthengisi ukholelwa ukuba ibhanki iya kwamkela isipho sakho, umdayisi uya kwamkela isipho sakho. Yiloo mfihlelo.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.