Khumbula ukuba amanyathelo entengo yokuthengwa kwekhaya ahlukahluka ukusuka kummandla ukuya kwimeko, kuxhomekeke kwisiko lendawo. Nangona kunjalo, xa uhlutha yonke into eyenzekayo, enokuthi okanye engenzeki kuwe, kukho kuphela amanyathelo ayisisiseko kuphela ekuthengeni ikhaya.
Unokwenza ezi zinyathelo ezi-5 kunoma yimuphi umyalelo ofuna.
Ukuqesha i-Agent
Ngenxa yokuba ndingummeli, ndiyakholelwa ukuqesha i -ejenti yomthengi kuqala. Kodwa akudingeki ukuba uthanda ukuya ukuvula izindlu kwaye ujonge nge-jambo jumbo yamakhaya ase-intanethi. Ininzi, i-agent iyakusindisa ixesha.
- I-arhente ingakuthumela uluhlu ngqo kwi- MLS ehambelana neerameters yakho, kwaye awuyi kuchitha ixesha ukujonga uluhlu olufutshane olusebenzayo oluphantsi kwesivumelwano.
- Amagosa amaninzi ayazi ngezihlomelo ezintsha eziza kufike kwiimarike.
- Unokuchitha inkunkuma yegesi kwaye ingabi yakho xa u tyelela amakhaya.
- Ezinye i-ejenti ziza kubonelela amakhaya .
- I-arhente ingaqhele ukufumana uludwe oluphezulu kwaye lukwacebisa ngokufanelekileyo.
Fumana ikhaya lokuthenga
Ukuthenga ikhaya kungaba yinkqubo enzima kunye nokukhenkcezwa ngokomzwelo. Ukufumana ikhaya elifanelekileyo akusoloko kuyinto elula. Ndicebisa abathengi ukuba balungiselele ubuninzi bezindlu ezingama-7 ngelo xesha kuba ngaphezu kwelo liza kwenza intloko yomthengi iphendule.
Uninzi lwabathengi luqhuba uphando olunzulu kwi-intanethi ngaphambi kokuba unyuke unyawo kwikhaya. Abathengi basebenzisa umyinge weeveki ezi-6 ukuya kwei-8, ngokweMbutho kaZwelonke we-REALTORS, ezama ukuqonda apho bafuna ukuhlala khona. Kodwa xa umakhelwane ekhethiweyo, abaninzi abathengi baphela ekuthengeni ikhaya emva kweetyelelo ezi-2 okanye ezintathu zeekhaya.
Fumana iNgxowa
Akusoloko kuyimfuneko ukuba ube nomthengi wemboleko okanye ibhanki kwipokhethi yakho yangaphambili ngaphambi kokuthenga ikhaya , kodwa kunengqiqo ukufumana imboleko ngaphambi kokuvunywa kwangaphambili. Ngale ndlela uyazi ngokuqinisekileyo ukuba uninzi kangakanani ikhaya lokuthenga.
Ndakhe ndithenga indlu ngaphandle kokuxhaswa ngemali xa ndenza umnikelo. Ndenenhlanhla nje. Abathengisi abaninzi abayi kujonga umrhumo ukuba umthengisi akanaso isiqinisekiso sokuba umthengi angafumana imali mboleko .
Imali-mboleko yomthengi wokuqala-mboleko i- FHA mboleko ngenxa yokuba ubuncinci bemfuno yokuhlawula ixabiso elingaphantsi komboleko oqhelekileyo . Nangona kunjalo, ukuba ucinga ngokuthenga izinto ezingaphambili , umzekelo, abathengi abaqhelekileyo bavame ukubeka phambili kwiibhanki ze-REO.
Unokucela i-arhente yakho ukuthunyelwa kumthengisi wemboleko okanye ukhangele ngebhanki yakho / inyunyana yekhredithi . Thelekisa iintlobo zemali efunyanwa kuwe kunye ne-GFE yakho.
Uxoxisane noMnikelo
Abathengi ngezinye iinkhathi benza impazamo yokuthelekisa intengo yokuthengisa yekhaya kwamanye amakhaya abone. Kuphutha ukuthelekisa amanani okuthengisa phakathi kwamakhaya athengiswayo. Kungenxa yokuba abathengisi banokubuza nayiphi na intengo abayifunayo. Akuthethi ukuba ikhaya liya kuthengisa ngeli xabiso.
I-arhente inokubonelela ngeentengiso ezifaniswayo kwaye zihlolisise ukuthengisa okulindelekileyo. Ukuthengisa okuthelekiswayo namakhaya afana nawo afanayo kunye neendawo eziye zathengisa kwiinyanga ezintathu ezidlulileyo.
Ukuthengisa okulindelekileyo kuya kuba yintengiso efaniswayo ngexesha lakho ikhaya livala.
Unokufuna ukuhlawula ixabiso lentengiso kumarhwebo omthengisi, ingakumbi ukuba abathengi abaninzi bafuna into efanayo. I-arhente yakho inokukunika uluhlu lwamanani alungileyo kwaye uncede ukulawula okulindelekileyo. I-ejenti yomthengi omhle uyazi ukuba kukho ixesha elibanzi kunikezelo ngaphandle kwexabiso layo, kodwa ixabiso liphambili.
Yenza Uhlolo lweKhaya
Kwamanye amazwe, ukuhlolwa kwekhaya kuqhutyelwa phambi kokuba abathengi benze isipho sokuthenga . Kwamanye amazwe, ukuhlolwa kwekhaya kuyimfuneko yengqesho . Isivumelwano sokuthenga isivumelwano sithetha umthengi unelungelo lokukhansela isivumelwano. Unokuba ungafuni ukuvalelwa ekuthengeni ikhaya elinesiseko esingafanelekanga, umzekelo.
Abathengisi abavumi ukuba benze ukulungiswa xa iingxaki zifumaneka ngexesha lokuhlolwa kwekhaya.
Ukuhlolwa kwekhaya kukukwakha umthengi. Nangona kunjalo, ngamanye amaxesha xa umthengi enika Isicelo sokulungiswa kumthengisi, kunokuba aqhube umthengisi, umthengisi uya kuvuma ukulungisa.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.