Iingcebiso ezi-8 zokunqoba i-REO Ukuqulunqwa kwezibonelelo

Indlela yokubhala izibonelelo zokuthenga i-REO

Abaninzi abathengi basekhaya bafuna ukubetha i-jackpot ngokuthenga ukuchithwa kwe-REO, ezinye zazo zihlala ziphantsi kwexabiso. I-REO zangaphambili ziyimakhaya ebhankini eye yabhaqa kwaye ngoku ihamba nayo. Ezinye zizinto eziphambili; ezinye azinjalo, njengaye nantoni na kwindawo yokuhlala.

Xa ibhanki yexabiso i- REO ingaphambili phantsi kwexabiso lokuthengisa, ukubonelela ngamathuba amaninzi kukuphendula. Oku kuthetha ukuba unokumelana nokuncintisana okunamandla kwindlu leyo enebhanki .

Okanye hayi. Khangela amakhaya aneentsuku ezinde kwiimarike ukuba ufuna ukuxoxisana namaxabiso aphantsi.

Akuqhelekanga ukuba ezinye ze-REO zihlasele eSigramento, apho ndithengisa khona, ukufumana izibonelelo ezi-15 okanye ezingama-20. Ngamanye amaxesha ibhanki iya kukhupha zonke izinto kodwa zinikezela ngamanani kwaye zicele abathengi abakhethiweyo ukuba babuyisele kwakhona into ebizwa ngokuthi "ephakamileyo kunazo zonke." Ngamanye amaxesha, ibhanki iyamkela nje isibonelelo esihle kakhulu ekuqaleni.

Ukuba uyazibuza ukuba unokwenza njani ukunikezwa kwakho kwe-REO ngaphezu kweminye yonke kwaye ube yi-offer offer, nantsi izicebiso ezimbalwa zokukunceda ukhethe inani elifanelekileyo kunye nemigomo:

1) Fumana iNkcazo yePropati ye-REO

Buza i -arhente yomthengi wakho ukuba afumene intengo yexabiso lebhanki kwiTayitela yeTrasti okanye I-Sheriff's Deed. Ngokuqhelekileyo, kuphawulwe kwincwadi ngokwayo, ongayifumana kwiirhafu okanye irhente yenkampani. Thelekisa loo xabiso kwintlawulo ebhanki iyabuza. Ngamanye amaxesha iibhanki zifuna ukunqanda kwaye ziza kubeka ixabiso lentengiso ephakamileyo kangangokuthi akukho batyali abazithengela ikhaya kwintengiso.

Khangela inani lemali-mboleko eye yafunyanwa kwipropati. Kwindawo ethile phakathi kwe-original balance balance (s) kunye nexabiso lokuthengiswa kwezinto zokuthengiswa kwemali ibhanki iya kwamkela, ukuba ikhaya liphantsi kwexabiso.

2) Qinisekisa ukuThengiswa okuThathaniswayo nokuKhutshwa kweRO

Kwiimeko ezininzi, uluhlu lwamaxabiso aluthinteli kwixabiso lekhaya.

Ixabiso lemarike lithwala ubunzima. Ukuba unxamnye nokunikezela ngokuncintisana, abanye abathengi baya kunika ngaphezu kwexabiso lexabiso.

• Khangela kwiinyanga ezintathu zokugqibela zokuthengisa okuthelekiswayo , i- CMA encinane , kuloo mmandla ukucacisa ukuba kulunge kangakanani ukuchithwa kwe-REO. Zama ukusebenzisa kuphela loo makhaya anxulumene kakhulu ne-REO ngokuphathelele imifanekiso yesikwere, inani lamagumbi okulala, amabhafu, izibonelelo kunye nemeko.
• Khangela ukuthengisa okulindelekileyo . Buza i-arhente yakho ukuba ibize ii-agent zoluhlu lwazo zilindele ukuthengisa ukuzama ukufumana ixabiso lentengiso elwamkelekileyo. Abanye abameli bezahlulo baza kwabelana ngolwazi kwaye abanye abayi kuba.
• Khangela uludwe olusebenzayo. Ezo zinokwenzeka ukuba ezinye iintengiso ziza kusebenzisa ukuhlawula ixabiso kuba ziphela kuphela amakhaya abo abathengi batyelela.

3) Hlaziya i-REO Intengiso ye-Agent Listing

Uninzi lwama- agent we-REO lisebenza kwiibhanki enye okanye ezimbini. Abanye abameli bezahlulo zi-agent zangaphandle zoluhlu lwe-REOs, kwaye abayibhalisi naluphi uhlobo lwepropati. Ekubeni i-REO i-agents isebenza ngokuvakalayo, isetyenziswa ngokufanayo kwimigangatho yemigangatho efanayo kuzo zonke iincwadi zabo ze- REO .

• Buza i-arhente yomthengi wakho ukuba abuke i-arhente yoluhlu kwi- MLS .
• Khangela uphendlo usebenzisa igama lo-agcisa igama ukuze ufumane iinyanga ezidlulileyo ezintathu ukuya kweziyisithandathu zoluhlu lwentengiso.

• Yenza umlando walezo zihlomelo ukufumana uluhlu lwamaxabiso kumanani okuthengisa. Ukuba uninzi lwezo zihlomelo zithengisa, zithi, u-5% ngaphezu kwexabiso lexabiso, ngoko ungadinga ukunikela nge-6% ngaphezu kwexabiso lentengiso, kwaye ngokulandelelana.

4) Buza malunga neNani leeMiboniso ezifunyenweyo kwi-REO

Ukuba akukho zinikezelo kwikhaya le-REO, mhlawumbi unokunikela ngaphantsi kwexabiso lentengiso uze ufumane isipho sakho. Nangona kunjalo, ukuba kukho izibini ezingaphezulu kwezi zibini, kuya kufuneka ukuba unikezele ngenani lentengo.

Ukuba kukho ama-20 anikezelayo, khumbula ukuba ezinye zezo zinikezelo zingakho konke imali. Amabhanki afana nawo onke anikezelo lwemali. Ukuba ufumana inkxaso-mali, ngoko unokufuna ukwandisa intlawulo kwisipho sakho sokuqwalaselwa.

5) Hambisa Ileta yokuQinisekisa

Akungena nto ukuba awufuni i-prequal letter. Ufuna incwadi yokuqala .

Fumana kwangaphambili ukukhethwa kwikhorenti yakho kwangaphambili.

Ngaphezu koko, fumana ubungqina bokuba ngumnini-mboleko ophethe ipropati. Ungalindelanga ukusebenzisa le mboleko kumbolekisi wakho, kodwa ngenise incwadi ebhalwe ngaphambili evela kule mboleko, kunye neleta evela kumboleki wakho. Amabhanki ahlale esithemba abanye ababolekisi bemali ngaphambili kodwa bathambekele ekuthembeni amasebe abo. Ukuba uthengisa i-REO esuka e-Wells Fargo, unokufumana umgca ukuba ukuqinisekiswa kwakho kusuka ku-Wells Fargo, kukutsho konke.

6) Musa ukucela iBhanki ye-REO ukuba ihlawule ukulungiswa / ukuhlolwa

Ngamanye amaxesha amabhanki aya kuhlawula ukulungiswa, kodwa ngokuqhelekileyo akayi kuvuma ukwenza njalo kwisigaba sokunikezela. Ukuba kukho iingxaki ezifumanekayo ngexesha lokuhlolwa kwekhaya , phikisa kwakhona emva kokuba isipho sakho samukelwe. Ndibe nako ukunxibelelana nokunciphisa izinto ezinkulu zetiketi ezifana ne-HVAC engasebenzi. Kodwa izinto onokuzibona ngamehlo akho kunye nezinto ezincinci zingezakho ukuhlangabezana nazo ngenxa ye-AS ISIGANDELO esineenkcukacha kwi-REO yokuthengisa ukuchithwa kwempahla.

7) Nciphise iPeriod yokuHlola

Ukuba abanye abathengi bacela iintsuku ezili-17, umzekelo, ukuqhuba ukuhlolwa, kwaye ucela i-10, unokuthi uthathwa njengomthengi onzulu kakhulu. Uhlolo luqhelekileyo nje kuphela lokwakha umthengi. Ibhanki ayinakwenzeka ukuba iphendule naziphi na izicelo zokulungisa. Musa ukwenza iphutha lokucinga ukuba ungena phezulu kwaye uphinde uxubushe ngokutsha.

Nika ingqwalasela ekhethekileyo ekubhenkeleni isikhunta esinokuthi senzeke emakhaya ashiywe emva kokuba sele ehleli engenamntu ixesha elide.

8) Ukunikezela ngeMali yokuKhatyathwa ngokubhekiselele kwibhanki ye-REO

Ezinye iibhanki aziyi kuhlawula imali yokuthumela, umzekelo. Ukuba umthengi unikezela ukwahlula ezo ntlawulo, ibhanki iya kuziva ilungele ukwamkela isibonelelo. Into efanayo kwiimali zokuhlawula.

Iibhanki ezininzi zithengisa iirhafu zokunciphisa ityhuwalense yephepha Ukuba ibhanki iya kuhlawula umgaqo-nkqubo womnini, umgaqo-nkqubo we-ALTA ungadla imali engakumbi. Kodwa kusengumzekelo omuhle ukuvumela ibhanki ikhethe isihloko ukuba ufuna ukunikezelwa kwakho.

Cinga ngemiphumo yovavanyo

Ukuba unika phezu kwexabiso lentengiso, khumbula ukuba i- appraisal iya kufuneka iqinisekise loo xabiso. Ukuba ufumana ujongene nophononongo oluphantsi , unokhetho, ngoko ungadikibali. Khumbula, i-bhanki iya kuba yinkcitho enkulu kumthengi ozayo ofumana imali.

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