Yintoni enokuyilindela xa uthenge ikhaya
Umthengisi, iindleko zokuvala zizonke iimrhumo, ngaphandle kweetyala okanye i-encumbrances, ezithathwe kwixabiso lokuthenga.
Ukuthenga umthengi, inani elilonke leendleko zokuvala lixhomekeke apho ipropathi ithengiswa khona kwaye ixabiso lepropathi lihanjiswa. Abathengi basekhaya bahlawula ngokuphakathi kwe-2 ukuya kwi-5% yentengo yokuthenga. Ngoko, ukuba ikhaya lakho libiza i-$ 150,000, unokuhlawula phakathi kwama-3,000 kunye ne-7,500 zama-dollar ekupheleni kweendleko. Ngokomyinge, abathengi bahlawula ama-dollar angama-3 700 kwiimali zokuvala, ngokutsho kophando olutshanje.
Imirhumo ababolekiyo bajonga "ukuphindaphinda" yiyo ehlawulwa ngokuphindaphindiweyo njengeentlawulo zepropati okanye inshuwalense yepropati. Imirhumo engapheliyo yilezo ezihlawulwa kanye.
Nangona iindleko zokuvala ziqwalaselwa phantse kuzo zonke iintengiselwano zentengiso, kule nqaku siza kugxininisa ekuthengweni kwekhaya ngenjongo yokubonisa.
Imizekelo yeendleko zokuvalwa ezingapheliyo zokuvala abathengi
Ngokuqhelekileyo, ummeli wakho wezabelo uza kukunika uqikelelo lweendleko zokuvala xa kuqhotyoshelwe isivumelwano.
Ababolekisi bafunwa ngumthetho ukukunika ingqikelelo ebolekisiweyo yemboleko zingakapheli iintsuku ezi-3 zokufumana isicelo sakho sembolekiso, esiza kubandakanya iindleko zokuvala.
Khumbula, zombini ezi ziqikelelo kunye neentlawulo ezichanekileyo zingatshintsha. Ubuncinane iintsuku ezi-3 phambi kokuvalwa, umboleki-mali makanikezele ingxelo yokuvalwa yokuchaza iza kubakho iifizi zokugqibela kunye nezokugqibela ezifunekayo. Ukuba kukho ukungafani nokuqikelela, umboleki-mali kufuneka achaze isizathu. Abanye banokuthintana, njengokuphatha, ukuthumela okanye ukuthumela iindleko.
Iindleko zokuvala zingahluka ngokusekelwe kwipropati oyithengayo nalapho ikhona khona. Imirhumo yeentlawulo ezivela kulabo abakhokhelwa kwisihloko, ukuhlaselwa okanye amagqwetha; irhafu yerhafu yokudlulisa; idolophu / ukutshintshwa kwetyala okanye irhafu yepropati; iingxelo zemboleko; vavanyo; ukurekhoda okanye iimali zenkcazo; ii-commissions zezindlu; uhlolo; iimali zokubolekwa ngemali ezifana neengongoma kunye nomdla wokuhlawulwa .
Nalu uluhlu lweendleko zokuvala ezinokudityaniswa nokuthengwa kwekhaya:
- Imali yerhafu yengxelo.
- Imali yemvelaphi yokubolekwa kwemali, ababolekisi abahlawulisa ukulungiselela i-paperwork loan
- Iimali zetyala
- Imirhumo yokuhlola ekhaya
- Amaphupha okuphuhlisa (iintlawulo ozihlawulayo ngokutshintshiselwa inzala engaphantsi)
- Imali yovavanyo
- Imirhumo ye-Survey (ukuqinisekisa iilayini zepropati)
- Intshuwalense yesihloko (ukukhusela umboleki)
- Iindleko zophendlo zezihloko
- I-deposit deposit (umzekelo, iintlawulo zenyanga kunye ne-inshurensi yangasese)
- Intlawulo yokuhlola indle
- Imali yokurekhoda
- Imali yokubhalwa phantsi .
Iindleko zokuvalwa
Iindleko zokungabikho kwemali ezivaliweyo ziyimali nje - akukho mali ephezulu kwaye akukho zindleko zokuvala kwi-mortgage. Nangona kunjalo, ababolekisi abanikezela ngeendleko zokungabikho kwemali bangaphinda bahlawulise umyinge ophezulu kumyinge mboleko okanye bathengise iindleko zokuvala kwi-mortgage. Kukho nawuphi na umzekelo, unokuthi uhlawule ngaphezulu ukuhlawula ngaphezulu ngexesha elide - umzekelo, ukuba iindleko zokuvala zifakwe kwi-mortgage, uya kubakhokhela umdla kubo.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.