Izizathu ezili-11 zokungathengi ukuthengiswa okufutshane
Kuphezulu, kunokubonakala ngathi umthengi omthengi-futshane ufumana into enhle. Nangona umda omncinci wokuthengiswa okufutshane unokuba luncedo kumthengi - kuba kukho konke okungafaniyo - ixesha elininzi, umthengi uya kuba ngcono ekuthengeni ikhaya elingekho phantsi.
Ukuthengisa okufutshane kukuthengiswa kwizaphulelo.
Akunakwenzeka ukuva abaqeqeshi bezindlu zithengisa ukuba akuyona into efanelekileyo yokuthenga ukuthengiswa okufutshane . Ngokwengxenye, kungenxa yokuba ootitshala bezakhiwo bezindlu bazuza ngenjongo yokuthengisa okufutshane . Wonke umntu wenza imali ngaphandle kwabathengisi nabathengi. Qaphela kwakhona, ukuba i- agents ezinokuluhlu zingabangela ukuba abathengisi babonise uluhlu olufutshane nje ngokuba kuthengisa ukuba abathengisi bayagqithisa ukuchithwa kwempahla , i-agents eziluhlu ziza kufumana uluhlu.
E-Sacramento, apho ndisebenza khona, umzekelo, amaninzi amanxusa abhala phantsi ukuthengisa okufutshane kunye nokucebisa ukuba abathengi bathenge enye into. La maxesha amaninzi asebenzayo atshiswa ngexesha elidlulileyo kwaye ukuthengisa okufutshane kukuwahlukana ngenxa yokuba bebehlulwe yi-arhente engenazo zorhwebo zokuthengisa uluhlu olufutshane.
Nazi izizathu ezi-11 zokuthi kutheni abathengi bangafuni ukuthenga ukuthengwa okufutshane:
Abadayisi bahlawulwa kakhulu
Ukuba indlu ithengiswe nge-$ 500,000 kwiminyaka embalwa edlulileyo kwaye ngoku ithengiswa kwi-$ 400,000, oko akuthethi ukuba umthengi uqokelela i-$ 100,000 yokulingana mahhala.
Kuthetha ukuba umthengisi uhlawule kakhulu kwiimarike ezikhulayo kwaye ngoku i-market ithe. Kuthetha ukuba umthengisi akanalo ubulungisa.
Abathengi ababoleke kakhulu
Amabhanki ayefuna ukuboleka imali ekuxabiseni iimarike ngamanye amaxesha avumela ababolekayo ukuba bafumane imali-mboleko ekhaya, oko kuthetha ukuba ibhalansi yemboleko yemali ebolekiweyo yadlula ixabiso lepropati.
Ii- Appraisals zizithoba, kwaye akubona bonke abahlalutyi abaza kuba nexabiso elifanayo kwikhaya. Nangona ngokuchasene nomthetho, abanye abahlalutyi baxinzezelwa ngamabhanki ukuba ahlawule ngemali umninikhaya ufuna ukuboleka.
Amagosa angamava angenamava okanye ama-agent angabalulekanga angashenxisa umthengisi ukuba acinge ngokuthengisa okufutshane xa umthengisi engafanelekanga ukuthengiswa okufutshane . Abathengisi kufuneka babonise ubunzima baze bangenise ubungqina benkxalabo kumthengisi ukuba avunywe. Abanye abameli babalalisa amakhaya njengeentengiso ezimfutshane ngaphandle kokuthetha nababolekisi okanye abaqeqeshiweyo ngaphambili.
Amakhaya athengisa kwixabiso leMarike.
Ababolekisi abakhohlisi okanye bengayiqondi ixabiso lekhaya. Ababolekisi baya kugxininisa ukuhlalutya kweemarike , okubizwa ngokuba yi-CMA, okanye umbono wexabiso lomthengisi, owaziwa njengeBPO. Ukuba umboleki-mali ukholelwa ukuba intengo engcono inokufunyanwa ngokuthatha ipropati kwi-foreclos over offer offer-short, umboleki-mali angaba nexabiso eliphezulu. Le xabiso liya kuba kufuphi nexabiso lemarike . Ababoleki bayamkela ukuthengisa okufutshane xa ikhaya lifanelekile intengo-futshane-ntengiso, oku kuthetha ixabiso lentengiso.
Amakhaya athengisa "Njengaye"
Ukuba inkampani yokubolekisa iyavuma ukuba kuthengiswa okufutshane , kunokwenzeka ukuba ihlawule iindleko zokuvala kwintengiso.
Ababoleki bacela abathengi ukuba bathenge ikhaya kwimeko yalo yangoku. Ababoleki ngokuqhelekileyo baya kunqaba ukuhlawula:
- Ukulungiswa okucetywayo kubhengezwe kwi- home inspection .
- Ukuhlolwa kwezilwanyana okanye umsebenzi ofunekayo ukunika ingxelo ecacileyo yenkathazo.
- Iziqinisekiso zokuhlala okanye ukulungiswa kwephahla.
- Izicwangciso zokukhusela ekhaya kumthengi.
- Ukugcinwa okucetywayo.
Ubude bexesha lokuVala
Ngokuxhomekeke kwixa iSaziso seMeko esiPhezulu sifakwe, i-backender backlog ye-foreclosures kunye nephepha elingakanani umthengisi sele elithumele ngalo, lingathabatha naphi na iiveki ezimbini ukuya kwiinyanga ezimbini ukufumana impendulo kwisipho sokuthenga esivela kumboleki. Kwakhona, ukuba ngababolekisi ababini ababandakanyekayo kuba kukho imali ebolekileyo efunyenweyo kwipropati, kunokuthatha ixesha elide ukuzalisa iimfuno zekhredithi yesibini.
Ababoleki banako ukutshintsha iimeko
Abanye ababolekisi bagcina ilungelo lokuphinda baxoxisane ngemigqaliselo yokuthengisa okufutshane kwimizuzu yokugqibela.
Ukuba utshintsho lweemarike, imithetho emitsha idlula okanye ulwazi olutsha luwela idesksi yomboleki, umbolekisi angazama ukutshintsha imiqathango yesivumelwano. Abathengi ngokubanzi banamagwebi abo, kwaye abathengi abaqhelekileyo abanalo.
IKhomishoni yokuThengisa iNkxaso
Ababolekisi abathengise imali-mboleko kuFannie Mae okanye uFreddie Mac ngokubanzi bahlawula ii- commissions ze-estate properties kwi-agents agents. Abanye banokufuna isaphulelo. Ukongezelela koko, ama-agent agqiba ukwenza amaxesha amabini ukuya kweethathu umsebenzi womsebenzi oqhelekileyo kwaye akayikuxabisa ukuhlawulwa ngaphantsi ukwenza umsebenzi ongaphezulu. Ukuba uvumelekile ukuhlawula i-arhente ethile ipesenti phantsi kwesivumelwano somthengisi wemthengi , unokuba noxanduva lokwahlukana phakathi koko umbolekisi uya kuhlawula kunye nantoni na isivumelwano sakho, ukuba i-arhente yakho inqaba ukuhlukana.
Iindleko eziPhezulu zokuVala
Ngenxa yokuba ababolekisi abaza kubakhokhela nayiphi na eyongezelelweyo, njengokuba umthengisi uya kukulungele ukwenza, ukuba ufuna nayiphi na eyongezelelweyo, uya kuzihlawula wena. Ngamanye amaxesha ababolekisi baya kunqaba ukuhlawula iindleko zokuvala eziqhelekileyo ezifana neentlawulo zokuthutha , nazo. Ukuba ufuna ukuhlolwa okuthe ngqo, uya kubakhokhela ngaphandle kwe-pocket.
UkuLawula ukuLawula
Ukuba ufuna ukuvala ukuhluthwa ngumhla othile, ininzi inhlanhla. Inkqubo yokuvala indlu encinane yokuthengisa ithatha ixesha elingenammiselo. Umthengisi womthengisi ubiza izibhengezo, kungekhona umthengi okanye umboleki umthengi. Ukuba uzama ukuvala isango ngokuthengiswa kwekhaya lakho, akunakwenzeka.
IsiThuthi Esincinci
Xa umthengisi efumanisa ukuba impembelelo emfutshane ekweletini isondele kuloo nto yokukhusela, akukho nto ikhuthaza ukuba umthengisi abambisane kunye nentengiso emfutshane. Nangona abathengisi bangafaneleka ukuthenga elinye ikhaya kwiminyaka emi-2 emva kokuthengiswa okufutshane malunga no-5 (kunye nezithintelo) kwi-foreclosure, abanye abanenjongo yokuphinde bathenge enye indlu kwakhona.
Ngethuba lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia