Iingenelelo zeNgxowa-mali yokuQala

Iincwadi zokuQinisekisa Ukunika i-Homebuyers kwi-Edge

Ukuhlawulwa kwangaphambili kwemali, ngokuchasene nenkolelo eninzi, ayikho inzuzo ye-ejenti. Imboleko yokumisela kuqala kukubonisa ubungqina bomthengi kumthengisi. Iingcali zendawo yokuhlala zithengela abathengi basekhaya bokuqala ukuba kubaluleke kakhulu ukufaka isicelo semboleko ngaphambi kokuthenga ikhaya ngenxa yokubhengezwa kwemboleko kuyisinyathelo sokuqala esibalulekileyo. Kodwa ngaba uyazi ukuba kulunge ngakumbi ukuba uqinisekiswe ngaphambili kwemboleko mboleko kunokuba ulungelelaniswe ngaphambili?

Kukho iingenelo ezingaphezulu zokufumana ubungqina bokuqala kwangaphambili kunokuba ubuya kuqala. Xa umnini-mboleko ebeka umntu obolekayo ileta yokuqala , ithetha ukuba umntu obolekayo unoku:

Gcina ixesha ngokujonga kwiiNdawo eziLungileyo

Ukuba i- arhente yakho yendawo yokuhlala ikuthumelela uludwe oluzenzekelayo lwee-imeyile zamakhaya atholakalayo, unokumcela ukuba atshintshe iiparamitha ukuze uqiniseke ngakumbi ukukhethwa kwamakhaya onokufaneleka ukuthenga. Ukuba awufumani i-imeyile kwi-arhente yakho, cela ukuba athumele kuwe. Iinkqubo ezininzi ze- MLS zivumela i-arhente ukuba ithumele abathengi ininzi kwedatha efanayo kunye ne-agents ezifumanayo. Ngaloo ndlela, uza kusindisa ixesha ngokujonga amakhaya onokukwazi ukuthenga ngaphandle kunokuba uthandane nothando "ngepake esibhakabhakeni."

Sebenzisa ixesha elide Ukuhlolisisa izindlu ezifanelekileyo

Ngokunciphisa i-inventory of homes to those matching your parameters, unako ukunika ixesha elide lokucinga malunga nazo zonke izinto ezincinci nganye ekhaya.

Uninzi lwabathengi basekhaya bokuqala aluzange luhambe ngaphaya kwexabiso lentengo xa uhlela izinto ezikhethiweyo, kodwa ngoku unako ukunikela amandla akho ukujonga izinto ezincinci ezibaluleke kakhulu kuwe njengokuba i-SUV yakho iya kudlula i-space kwigaraji okanye utyumle kwi-microbeam.

Uqiniseke kwaye Uphephe ukudideka

Ngoku xa ufumana ikhaya eligqibeleleyo, akukho mntu unokukususa kuwe ngokukuxelela ukuba awufaneleki ukuyithenga. Unokunciphisa uxhalabisayo kwaye ususe iimpazamo zemboleko zokugqibela zemali ezingakulungeleli. Uzolala ubusuku ebusuku ukwazi ukuba ikhaya olikhethile lenu. Ngaphezu koko, unokuxelela zakho izalamane kunye nabahlobo ukuba ikhaya owenzayo isithembiso siya kuvala kwaye 'awuyi kulahleka ubuso' nabani na.

Ukwandisa i-Bargaining kunye neNtetho yokuThetha

Abathengisi baya kuba banokuvuma ngokukhawuleza ukunikezelwa kwenu, nokuba ngaba loo mnikelo ungaphantsi kwoluhlu lwamaxabiso, kuba unikezela ukuthengiswa kwengqondo yomthengisi ukuba indlu yakhe ithengiswe. Angamthabatha ekhaya emakethi aze ayifake kwindawo ekulindelekileyo ngokuzithemba ukuba umthengi ufanelekile ukufumana mboleko. Nangona ipropati isadinga ukufaneleka, kumthengisi, ukuba nolwazi lokuba umthengi angavala lukhulu. Kuya kunika ukunikela kwakho ngokuthembeka.

Jabulela ixesha elifutshane lokuvala

Ngenxa yokuba akukho festile ngexesha iprojekthi yakho yemboleko isetyenziselwa, umboleki-mali unokukhawulezisa inkqubo yokucwangcisa yonke. Ii-Appraisals zinokulawulwa ngokukhawuleza. Kunokwenzeka phantsi kweemeko ezithile ukunciphisa ukuvalwa kweentsuku ezingama-30 kwiiveki ezimbini okanye ezintathu, eziza kulungele ukuba umthengisi kufuneka ahambe ngokukhawuleza kwaye akakwazi ukugqiba isiphi isipho sokwamkela.

Isipho sakho sokuthengwa siya kuhamba phambili ukuba ungayifeza isidingo somthengisi ukuba uvale ngokukhawuleza.

Ngenxa yokuba imvume yokubolekwa kwemali ngokuqhelekileyo iyona nto ibambelele kakhulu kunokwanelisa kwisivumelwano sokuthenga, kukuxhamla ukuba ufumane ileta yokumisela kwangaphambili xa ulungele ukuqala uphando lwakho. Ababolekisi baya kunika isigqibo esekelwe kwisicelo sakho semali-mboleko esipheleleyo, ukuhlaziya iibhanki zebhanki kunye nezinye iimpahla, ukuqinisekiswa kwengqesho kunye nedatha eqokelelwe kwiingxelo ezintathu zeentengo zemboleko .

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