Iingcebiso zokubhalwa kweeNtengiso zokuThengisa kwiMarike yathengisi

by Elizabeth Weintraub

Iimakethe zathengisi zikhoyo xa kukho abaninzi abathengi be-inventory ephantsi yezihlomelo ezisebenzayo. Akuyinto engavamile kwindlu kunye neentsimbi kunye neengcingo ukudweba izibonelelo ezivela kumthengi angaphezu kweyodwa. Xa oku kwenzeka, ikhaya lidla ngokuthengisa ngaphezulu kwexabiso lexabiso. Kodwa intengo ayiyona into kumthengisi. Kukho ezinye izinto. Ukuba uzama ukuthenga ikhaya kumarhwebo womthengisi, zikho iingcebiso ezili-10 zokukunceda ubhale isipho sokuthenga sokuwina kwaye ubethe ukhuphiswano.

01 Hambisa i-Letter Preproproval nge-Offer yakho

Ileta yokubolekisa ityala lakho elibhekiselele kwinqanaba lakho lesikweletu liye lahlolwa kwaye unokukwazi ukuthenga ikhaya lithwala ubunzima obukhulu. Ixelela umthengisi ukuba unobungcali kwaye ufanelekile. Ithi ulungele ukuthenga kwaye sele sele uzibophezele kumboleki. Ukuba umdayisi unesipho esiphezulu esivela kumthengi ngaphandle kweleta yokuqala , isipho sakho siya kuzuza.

02 Hlala i-Agent Real Estate Agent

I-arhente esoloko idibanisa i-marketplace kunye namanethiwekhi kunye namanye ama-agent angakhokelela ukuba akhokele kwikhaya lakho elitsha phambi komnye umntu, kungenxa yoko kufuneka uqeshe i-arhente enhle . Xa umongikazi omncinane wayesekulungele ukuthenga indlu wayesandula ukuhamba ngesidlo sasemini, ummeli wakhe wagxininisa ukuba abhale i-offer in the hood yemoto yakhe. Emva koko ummeli wabiza i-agent uluhlu kwiseli lakhe. Wayekholisa ukuba i-agent ukuba ilahle izinto ezenzayo kwaye idibene naye kwikhaya lomdayisi ukuba libone le ntengiso. Umnikelo wamanesi wamukelwa ngaloo mva.

03 Bhala umnikelo wobuhlobo

Ungazibandakanyi iimfuno kwisibonelelo sakho esinokumcaphukisa okanye ukucasula umthengisi. Ukuba kuyisiko kummandla wakho ukuba umthengi akhokhe intlawulo yakhe yomshuwalense , ungabuzi umthengisi ukuba athathe iindleko. Ukuba abaninzi abathengi bafuna ifa ngomhla we-5: 00 ngomhla wokuvala, bonise ukuba uhlukile kwaye unika ngokunika umthengisi ezimbini okanye iintsuku ezintathu ukuphuma.

I-04 Beka I-Foot Your Foot Forward

Ukubeka nje, oku kuthetha ukubhalela isipho sakho esihle kakhulu. Unokufumana ithuba elilodwa lokuba wenze impendulo kumthengisi, ngoko ke ungenzi isithembiso esiphantsi sithemba ukuba umthengisi uyakukunika i-counteroffer. Ukuba umthengisi ufumene izibonelelo ezininzi, izibonelelo eziphantsi kaninzi aziqwalaselwa. Baxoshwa kwisigxina esinqatshiwe . Bonisa umfanekiso we-dollar ephezulu uzimisele ukuhlawula ikhaya kwaye unikele ngexabiso.

05 Beka phantsi i-Deposit yeMpilo eVulisayo

Idiphozithi yemali ethembekileyo inokubonisa ukuba unzulu kwaye uzimisele ukubeka imali yakho etafileni. Abathengisi baya kuziva ukuba uzimisele kakhulu, uthi, idiphozithi ye-3% ngaphezu kwe-1%, oku kuthetha ukuba ikhaya lihlelwe kwi-$ 300,000, unganikeli idiphozithi ye-$ 500. Umthengisi unokuziva ukuba akanalo nengozi kwaye unokuhamba ukusuka kwintengiselwano kwintando. Idiphozithi ye-$ 5,000, i-$ 10,000 okanye i-$ 15,000 ithi "Ndizimisele ukuthenga le ndlu ."

06 Cash Ithetha

Ukuba unako ukuhlawula "yonke imali" ekhaya, yithetha njalo. Nangona ihlala "yonke imali" ekupheleni komthengisi, nangona umthengi ufumana mboleko, ukuthengwa okungekho kuxhomekeke ekufumaneni imvume yokubolekwa kwemboleko kunomtsalane kumthengisi.

07 Ukunciphisa ixesha lokuhlola

Uninzi lwemigangatho yokuthengwa kwezindlu zokuthengisa ezithengiswayo zinikezela umthengi inombolo yeentsuku zokuhlola phambi kokuba umthengi afuneke ukuba aqhubeke nokuthengiselana. Ukuba ukungagqibekanga kwisivumelwano sakho sokuthenga siku- 17 iintsuku, zama ukunciphisa ixesha elide ukuya kwi-10. Ngokomthetho wesigqeba, ngaphandle kokuba ulawule ngokukodwa ilungelo lakho phantsi kweNkcazo yokuPhawula iNtloko, unemihla eyi-10 ukuhlola loo propati ngempawu zokupenda kwipende yokuphambili.

08 Waive Ezinye izinto

Ukuba uthe wathetha nomcebisi wakho wezomthetho kwaye uzive ukhululekile ukubeka ingozi kwidiphozithi yakho, unokufuna ukucinga ukuxhomekeka kweemali ezifana nezobolekisi, ama-appraisals okanye uhlolo. Nangona kunjalo, kukho iingozi. Ukuba unokwenza uhlolo lwe-appraisal kunye nekhaya libala ngaphantsi kwexabiso lakho lokuthengisa, kuya kufuneka wenze loo mahluko ngemali. Kodwa ngaphandle kwezinto ezithile, ukunikezelwa kwakho kuya kuba ngaphezu koqinileyo kunomncintiswano.

09 Bhala umthengisi incwadi

Ukuba umthengisi unika izibonelelo ezisibhozo etafileni kodwa isipho sakho siquka ileta ebhalwe ngesandla ngesandla sakho, isipho sakho siya kuvela. Kwileta yakho, uya kufuna ukukhenkcela iimvakalelo zomthengisi ngokuchaza isizathu sokuba uthandana nomzi wakhe kwaye uluhlu zonke izizathu zokubangela ukuba isipho sakho siphumelele. Ukuba unako ukukrazula iinyembezi zovuyo okanye uvelise uvelwano kumthengisi, isipho sakho siya kuzuza.

I-Offer yokuVala ngokukhawuleza

Ngaphandle kokuba kukho iimeko ezininzi, abathengisi abaninzi banqwenela ukuvala ngaphakathi kweentsuku ezingama-30 okanye ngaphantsi. Ukuba unako ukunikezela ixesha lokuvala ixesha elimalunga neentsuku ezingama-21, oko kungabaluleke ngakumbi kumthengisi kunokunikezelwa kwemali eninzi kwaye ube ngumgca wecala ukuba uphumelele ukhuphiswano.

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