Iimpawu zokuThengisa ukuThengisa ukuThengisa

Umqathango weeNkcazo zezindlu

Abathengi basekhaya abaqaphelayo bathengwa ukuthengwa kwangaphambili ngamanani aphantsi apapashwa kwiipropati kwi-foreclosure. Ba nethemba lokubonakalisa kwintengiso kwaye bazuze umrhumo ophantsi. Kwanxamnye neenzuzo ezizithengayo. Ukongezelela, amaninzi kula makhaya awafumanekanga ukuba ahlolwe ngaphambi kokuthenga kunye nekheshi ngokuqhelekileyo yintlawulo evumelekileyo kuphela. Ngaba kulungile ukuthenga ikhaya ongenakuyihlola?

Kungenzeka ukuba ixabiso lalingeneli ngokwaneleyo ukukuhlawulela umyinge womsebenzi onokufunwa ukuzisa imeko yekhaya kwimilinganiselo yemarike.

Kodwa okokuqala kufuneka ubethe izibonelelo ezithatha ukulawula ezi ntengiso.

Ngaphambi kokuba uqhubele phambili ukuthenga ukuchithwa kwemithi, yeka ukucinga malunga nezinye zeengxaki kunye nezimpembelelo ukuba awukwazi ukungena endlwini ukuhlola ngaphakathi. Cinga ngeendleko zokulungisa umonakalo okanye ukuphucula ikhaya ngokubhekiselele kwixabiso lentengo. Unokuba ngcono xa uthengisa ikhaya lokulungisa kumthengisi oqhelekileyo. Kwakhona, ibhanki ayikhathalele imeko yendlu kwaye ayiyi kuxoxisana ngokubanzi okanye isaphulelo kuyo nayiphina impazamo.

Ngaphambi kokuthenga izinto ezingenakwenzeka, Misela Ngubani ohlala kwiKhaya

Ukuba ipropati ihlala, umthengi ophumeleleyo ngokuqhelekileyo uxanduva lokususa abahlali, abangaba ngabanikazi bokuqala. Baye kuba ngabahlobo okanye abahlobo abanini, abaqeshisi okanye abakhwele. Unokufuneka uzixoshe.

• Ukuba awuqhelekanga kwiinkqubo zokukhutshwa, kufuneka uqeshe igqwetha ukuba lijongane nawe.

• Qaphela ukuba abaqeshi abagwetyelwe ukukhishwa ngamanye amaxesha bayaziphindisela.
• Isisombululo esingcono singabakhokhelwa okanye sibaxhase abahlali ukuba bahambe.

Umnini ongeyena umnini-mali oThengiweyo

Omnye loo ndlu eYolo County, eCalifornia, waqeshwa kwisibini esithandabuzayo: umntu owayengummangalelwa osanda kukhululwa nge-parole kunye nomlingane wakhe kunye nekhredithi yemboleko, ababetha ngezwi elikhulu njengexhoba lokuxhaphaza ekhaya.

Umthengisi, engazi ukuba isenzo sakhe sithemba sine "isabelo semali" -kuthetha ukuba umboleki unelungelo lokuqokelela irenti ukuba umnini-mali engenzi iintlawulo zakhe - wayeka ukuhlawula imali yakhe yokuboleka imali kwaye wayengazikhathaleli ngubani owaqeshisa ukuba ahlale ehlawula. Eyona nto ifuna ukufaka iifenti zeemali kunye nokulibala ngemali mboleko yakhe , umdayisi ubhale uluhlu lokuqashisa. Igosa lakhe lenze isilingo sokuqala sokufumana ikhaya. I-ex-con con, uhlobo lwe-neo-lamaNazi ngentloko eboyiweyo, iittoti ezinkulu kunye nokuzibamba inkunzi yenkomo ebhoxayo, ikhutshwe emnyango kwaye yatshitshisa ebusweni bomphathi.

Ngokukhawuleza njengoko isalathisi sokuThengiswa sityalwe emanzini, abaqeshi bayeka ukuhlawula irente. Akukho mboleki okanye umthengisi angaqokelela nayiphi na imali kubaqeshi. I-arhente ayikwazanga ukubonisa ipropati. Oku kwakuyiimeko ezimbi. Umboleki-mboleko (obanjwe bobabini umbolekiso wokuqala kunye nowesibili) wafaka isicelo sokungena kwempahla kwaye wenza isifungo sokufakela isahlulelo sokungabi naso kumthengisi, apho abanikezeli abancinci abakwaziyo ukwenza eCalifornia ukuba iimali-mboleko zingathengi imali.

Umqathango weeNkcazo zezindlu

Ngenxa yokuba le mizi ithengiwe "njengokuba" evela kumboleki okanye i-HUD, akukho mqinisekiso yeemeko. Ngamanye amaxesha kunokwenzeka ukuhlola la makhaya ngaphambi kokwenza umnikelo kodwa ngamanye amaxesha, njengomzekelo ongentla apha kwikhaya laseKalifornia, ukufikelela akunikezelwa.

Xa abathengisi bebona ukuba baya kulahlekelwa ngamakhaya abo ngokungqambela, akuqhelekanga ukuba bayeke ukunakekela malunga nekhaya.

• Ukuba into ephula okanye ukungasebenzi, abayi kukulungisa.
• Ukuba batyhafile okanye banelisekile, kunokwenzeka ukuba banokutshabalalisa indlu. Indlela ephumelelayo yokukhukula ekhaya kufuneka ivule onke amaphephethi emithombo yamanzi, ifake iipokheji ize ihambe. Abanye baqhayisa iindonga, bathabathe iibhobho zobhedu kunye ne-wiring yokuthengisa njengetsimbi ye-scrap.
• Abanikazi baya kutshabalalisa iindawo zokuthengisa kwaye bathengise izixhobo, kunye neekhabhinethi zasekhishini.
• Ezinye izinto eziyingozi-ze-zabantu zishiya izilwanyana emva, zivalelwe ngaphakathi ngaphandle kokutya okanye amanzi.

Ukuthengwa kwangaphambili kungekhona kubathengi abatshitshisiweyo okanye abanamava. Eyona nto ibhetele ukuphathwa ngayo kwaye ayinyanzeliswa kubathengi basekhaya bokuqala .

Andikhathaleli yiphi i- semina owaye kuyo - ukuba ayinakukunika le ngcaciso, ayikulungiseli ukuba yinyani.

Ndiyazi ngamakhaya athengiswa njengento engaphambili eCalifornia eyayingenanto ngaphezu konyaka. Baye bekhwela kwaye isikhunta sasikhule. Xa ibhanki ithumela kwiinkampani ezihlawulwayo ukuze zikhusele ikhaya, zivame ukucima amanzi kwaye zishiye umva emva kokubola. Kuba ekugqibeleni kuya kumiswa kwaye omnye umthengi ongaboniyo uya kuthenga kwaye athenge. Ukuba ibhanki ayinalo ulwazi lobunqamlezo, akufuneki ukutyhila into engaziyo.

Ukongezelela, abantu bathambekele ekukholweni ukuba iibhanki ziyintsiphu okanye ukuba iibhanki aziqondi izinto ezithathwe kwi-real estate. Yiyo into engafanelekanga. Amabhanki aqonde ngokupheleleyo izenzo zawo. Baqesha abaphathi bee-asethi baseYale naseHarvard. Ingumthengi ohlala ephangwa.

Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.