Iinkqubo zokuvala iiNdawo zaseNorth Carolina

Ukunyuka kwamanyathelo okusukela kwikontraki ukuya kuvalwa

Iintengiselwano zentengiso ziyahlukahluka kulo lonke elaseUnited States, ngoko alukho uluhlu lwezinto "eziqhelekileyo" ezingasetyenziselwa ukulungiselela abathengi kunye nabathengisi ukuqhubela phambili kwivumelwano ukuya kuvala. Ngaphantsi kukhangelelaniso lokuvala kwiNorth Carolina. Ngokuqhelekileyo, amagqwetha asesha uphando kwaye athola ityhuwalense ye-North Carolina ekhaya, kodwa amanye amanyathelo okuvala ayahluka phakathi kweNorth Carolina.

Ukunikela kwiKontrakthi yokuThengwa

Ininzi yezivumelwano zentengiso yokuhlala zinikezelwa kubathengisi ngabashenxisa bezindlu zangasese abasebenzisa iifom eziqhelekileyo ezinikezelwa yiNorth Carolina Association of Realtors.

Ezi "zizalise iifayile" zaveliswa ngamagqwetha kwaye zihambelana nemithetho kaRhulumente. Ngamanye amaxesha abakwa-Homebuyers bacela abameli babo ukuba baqulunqe izibonelelo zabo.

Uhlolo lweeKhaya, ukufikelela

Ukuhlolwa kwasekhaya ngokuqhelekileyo kwenzeka emva kokuba isivumelwano samukelwe ngabo bonke amaqela. Ukuhlolwa kuhlawulelwa ngumthengi.

• Iingxaki zokuhlolwa kwasekhaya eziphambili kunye nokuhlolwa kokuhlaselwa yizilwanyana ziyingxenye yesigqeba esikhulu. Amaxesha afakwa ukuze abonise ukuba abathengi baya kugqiba ukuhlolwa kwaye xa izicelo zokulungiswa, ukuba zikhona, ziya kuthunyelwa kumthengisi.
• Iziganeko zekhontrakthi zezinye iintlobo zokuhlola, ezinjengezo zixhobo ze-septic kunye namazinga e-radon, zongezwa ngokubandakanya isongezelelo esikhethekileyo kunye nesibonelelo. Kuyafana nezinye izinto ezininzi, ezifana neemfuno zokuhlola , iimpahla zomthengi ngaphambi kokuvalwa , kunye nokuthengisa ngemali.
• Ezinye izinto eziqhelekileyo ziquka ukubonelela ngemali, inkcazo yezinto ezizohlala ekhaya (okanye zisuswe), kunye nokucaciswa kwemibutho yombutho.

Ukudalulwa kweMpahla yokuhlala

Umthetho waseNorth Carolina ufuna ukuba abathengisi abaninzi banikezele ukuchazwa kwepropati yokuhlala yokuhlala echaza imeko yazo zonke iifom ekhaya.

Uphando lweMida

Abathengi kwezinye iindawo, ngokukodwa kwimimandla yasemaphandleni, ngokuqhelekileyo bahlawula iimvavanyo, kodwa ngamanye amaxesha babuza umthengisi ukuba abelane ngeendleko.

Uninzi lwababolekisi basekhaya alufunanga uphando.

Iimbali ezivaliweyo

• Amagqwetha afuna ukukhangela itayitile, athenge ityhurensi yetayitile yabathengi, kwaye aphathe ukuthengiswa kokuvala.
• Amagqwetha kunye neentengiso zezindlu zisebenza kunye nababolekisi ukuba baququzelele ukuvala, ukuqinisekisa ukuba yonke into ilandelwa ngexesha.
• Amagqwetha alungiselela izenzo kubathengisi .
• Abathengi kunye nabathengisi baqesha abagwebi babo abazikhethelayo. Ababuyiselwa ekhaya nabathengisi kufuneka basebenze nabameli abahlukeneyo ukuze iqela ngalinye limelele ukuba kufuneka ingxaki efuna ukuba kuthethwe ingxoxo.

Iindleko zeekhaya zabameli

• Ukuhlolwa kwasekhaya, phantse njalo.
• Uphando, olunokuba lubiza.
• Isabelo sentlawulo yepropati yonyaka, i-property association fees, kunye neminye imirhumo efana neyomhla wokuvala.
• Imirhumo yommeli yecingo lokukhangela.
• Imirhumo yenkampani yomshuwalense nkqubo, inshuwalense yengozi yonyaka, ukuhlawula iintlawulo kunye neendleko zemali-mboleko, iindleko zee-certification zone zone.
• Imali yokurekhoda umsebenzi omtsha.
• IiNgxowa zokuvula ii-akhawunti zokurhawula iirhafu zepropati kunye ne-inshurensi eya kuhlawulwa ngumthengisi kunyaka olandelayo.

Iindleko zoThengisi

• Intlawulo yommeli yokulungiselela ukulungiselela.
• Izitampu zerhafu, irhafu yentlawulo esekelwe kwixabiso lokuthengisa.
• Isabelo esikhishweyo: iirhafu zepropati , i-property association fees, nezinye iimali ezifanayo.

• Ikhomishana yendawo yokuhlala xa umthengisi echaphazelekayo.
• Imirhumo ehambelana nokuhlawulwa kwemboleko okanye ukudlulisela imali kwi-akhawunti yokujonga.
• Nayiphi na indleko umthengisi uyavuma ukwabelana nomthengi.

Inyathelo-ngeNyathelo Yokuvalwa

1. Umthengi wenza isibonelelo.
2. Abameli bezindlu zendawo baququzelela nayiphi na ingxoxo.
3. Umthengisi uyavuma ukunikezelwa okanye imiba ibhalisi kumthengi, ngokuqhelekileyo wamkelwa.
4. Imali ethembekileyo yomthengi, eyaziwa ngokuba yi-deposit-faith deposit, ifakwe kwi-akhawunti yomgcini we-escrow.
5. Ukuthengiswa kwee-oda zokuhlola.
6. Uhlolo luyalelwe emva kokuba i-appraisal eyamkelekileyo ifunyenwe.
7. Naziphi na izicelo zokulungisa zixoxisana nomthengisi, kodwa abathengisi abayidingi ukuthobela.
8. Ukuhlolwa kwekota kuyalwe - kufuneka kube kwiintsuku ezingama-30 zokuvala.
9. Uphando luyalelwe emva kokuvavanya ngokuphumelelayo kunye nokuhlola - abathengi abafuni ukutshala imali kakhulu kwipropati baze baqiniseke ukuba uya kuhamba kwaye baya kuvala.

1. Umthengi usebenza ngengozi yomshuwalense kwaye ulwazi luya kummeli-mboleko kunye nokuvala.
2. Ukuvalwa komhla wokuvala, abathengi balungiselela ukuba izixhobo zitshintshwe kumagama abo.
3. Ukuvala kwenzeka kwiofisi yommeli womthengi. Ugqwetha lomthengisi uye wathumela izenzo ezityinwe kummeli womthengi.
4. Umthengi unikela igqwetha eliqinisekisiweyo lokuhlawula ukuvala kunye neempawu zemboleko kunye nezinye iimfuno ezifunekayo.
5. Igqwetha lomthengi lirekhoda elitsha kwintlanganiso yesigqeba kunye nokusabalalisa imali ngenxa yamalungu onke.

Izakhiwo eziMmandla kwiNgingqi yakho

Intsebenziswano kwimeko yakho ingahluka kakhulu. Xoxa ne-agent ye-real estate yendawo yokuhlala ukuze ufumane iinkcukacha zakho zelizwe. Ndixelele ukuba ukuvalwa kwezabelo kwenzeka ntoni kwindawo yakho.

Ehleliwe ngu-Elizabeth Weintraub, iThengi lokuThengwa kweNdlu. Njengaloo mbhalo, u-Elizabeth Weintraub, CalBRE # 00697006, ungumhlobo-mboleko kwiLyon Real Estate eSigramento, eCalifornia.