Indlela Ikhontrakthi Yemihlaba Eyayisebenzisayo Yokuthenga Iimizi

Kutheni abathengi basekhaya bafana nezivumelwano zomhlaba

Izivumelwano zomhlaba zokuthenga amakhaya zaziwa kakhulu ekupheleni kwee-1970 nakwama-1980. Emva koko, iikontraki zentengo yokuthengisa, ngamanye amaxesha zibizwa ngokuba zizivumelwano zezenzo, zinikezela ngeemali ezikhangelekayo ngaphezulu kwezinga eliphezulu kunye nemigangatho emigangatho yemigangatho yababolekisi bamaziko.

Izivumelwano zomhlaba zaqala ukutshabalala xa iimfuno zemboleko zitshintshile kwaye amaxabiso ahla ngaphantsi kwe-8%. Kodwa abazange bachithe ngokupheleleyo kwaye, eqinisweni, babuyiselwe kwiimarike ngexesha leengxaki zemali.

Abanikazi bezindlu zangaphambili abalahlekelwa amakhaya abo ukuba baqeshwe okanye bathengiswe ngeentengiso ezimfutshane baqala ukuxhomekeka kwiikontrakthi zomhlaba njengenye indlela yokuxhaswa ngezimali xa iibhanki ezinkulu zazikhupha.

Yintoni i-Contract Sale Land Contract?

Inkontileka yokuthengisa yesitementi nayiphi na inkontileka ebiza iintlawulo zexesha, kodwa kwi-real estate, ngokuqhelekileyo ibhekiswe kwisivumelwano somhlaba, isivumelwano somsebenzi okanye isivumelwano. Igama elithi "umhlaba" lilahlekisa njengoko isivumelwano somhlaba singasetyenziselwa ukuthenga nayiphi na uhlobo lwezindlu zangaphandle kunye okanye ngaphandle kokuphucula.

Inkontileka yokuthengisa yentengo ichaza intengo yokuthengisa, inani lokuhlawula, intlawulo yemali, intlawulo yeentlawulo zenyanga (okanye ngezihlandlo), kunye nemisebenzi nganye yamacandelo. Iquka uxanduva olunjengoko ngubani oza kugcina ikhaya, ahlawule i-inshurensi, kunye neerhafu zepropati - ngokuqhelekileyo umthengi. Isivumelwano siya kubandakanya umthengisi xa umthengi eyeka ukwenza iintlawulo zeentlawulo.

Ezicacileyo:

• Izivumelwano zomhlaba okanye iikontraki zezenzo zezivumelwano zokhuseleko phakathi komdayisi, obizwa ngokuba nguMthengisi, kunye nomthengi, obizwa ngeVendee.
• Umthengisi uyavuma ukuthengisa ipropati ngokuxhasa imali yokuthenga iVendee.
• Umthengisi ugcina isihloko somthetho kwaye iVendee ithola isihloko esilinganayo.
• Inkxaso - mboleko eyenziwa ngumnini inokubandakanya ibhalansi yemali ekhoyo ekhoyo (jonga ngaphezulu ngaphantsi) okanye ipropati inokukhululeka kwaye icacile (ukhetho oluhle).

• Emva kokuhlawula ngokupheleleyo, uMthengisi uyayifaka iVendee isenzo kwipropati.

Konke okubandakanya (ukujikeleza ngeenxa zonke) Izivumelwano zomhlaba

• Izivumelwano ezijikelezayo ziquka i-mortgage ekhoyo.
• I-Vendee yenza intlawulo enye kuMthengisi.
• Emva kokufumana intlawulo, uMthengisi uhlawula imali yentlawulo yomboleki kunye nokugcina konke.
• Ukuba i- mortgage ekhoyo inomyinge onomtsalane ophantsi kunomyinge wemali kwisivumelwano, uMthengisi ufumana inzala ethe xaxa kwimali engengowomthengisi. Oku kwaziwa ngokuba ngaphezulu.

Ukulandela indlela esebenza ngayo.

1. Yithi intengo yokuthengisa i-$ 100,000.
2. IVendee ibeka i $ 10,000.
3. I-Vendee iyavuma ukuhlawula i-$ 90,000, ithwele inzala kwi-6.5%, ehlawulwa imali engama-567.
4. Imali-mboleko esele ikhona i $ 50,000, ehlawulwa ngo-5% inzala kunye nentlawulo ye-$ 268.
5. Umthengisi ufumana inzala ye-6.5% kwi-40,000 yama-equity of equity, i-PLUS 1.5% inzala kwi-mortgage ekhona yama-50,000 neepokethi ezingama-299 ngenyanga.
6. I-Vendee ihlawula irhafu, i-inshorensi kunye nezinye iindleko zobunini.

Iikhontrakthi ezichanekileyo

Akukho nxalenye enkulu yenzalo kwisivumelwano esilungileyo. I-Vendee inokuvuma ukuhlawula umboleki okhoyo ngokukodwa kwaye wenze enye intlawulo kuMthengisi, okanye i-Vendee inokuthumela enye intlawulo kuMthengisi, kwaye uMthengisi uya kuhlawulela intlawulo kumthengisi ophantsi.

Makhe sijonge umzekelo wangaphambili kwikhonkonti ngqo:

1. Intengo yentengiso ye-$ 100,000.
2. UVendee ubeka i $ 10,000.
3. I-Vendee yenza inkokhelo enye ye-$ 268 kwi-balance balance of $ 50,000, ephethe inzala kwi-5%.
4. I-Vendee yenza intlawulo yesibini kuMthengisi kwi-$ 40,000 yemali-mboleko eyenziwa ngumnini, ethwele inzala kwi-6.5% kwaye ihlawulwe kwi-253 yeenyanga ngenyanga.
5. Ixabiso leentlawulo zombini i-$ 521, egcina i-Vendee i-46 $ ngenyanga malunga nokujikeleza.

Amandla okuThengiswa

• Ezinye iinkampani zetayitile zokuqulunqa nokuqinisekisa izivumelwano zomhlaba eziqulethe uMthengisi, iVendee kunye neTrasti. Uya kufuna ukubiza ngeenxa zonke ukuze ufumane inkampani enjalo.
• Njengomncedisi kwizenzo zokwethemba, uMthengisi kunye neVendee babela ilungelo, isihloko kunye nomdla kumphathiswa ngenjongo yokuqinisekisa uxanduva luka-Vendor's and Vendee.
• Kwimeko apho iVendee eyeka ukuhlawula iintlawulo, iTrasti inamandla okugqala kwangaphambili phantsi kwegunya lokuthengisa.

• Inkqubo yokufakela isaziso se-default ihluka ukusuka kwiphondo ukuya kwimeko.

Ukukhawuleza Amagatya kwiiNgxowa eziphantsi

Zonke iimali-mboleko namhlanje ziqulethe ukukhawuleza kunye nezigaba ezichaseneyo . Ababoleki banomlando omdala wokubiza iitaliti ngokukhawuleza kwaye zihlawulwa ukuba abathengi bathatha isihloko esithi "kuxhomekeke" kwimali-mboleko ekhoyo . Kungenxa yokuba ababolekisi bafuna ukuba abathengi bafaneleke, bahlawule amanqaku okubolekisa kunye nemigangatho yemigangatho ephezulu .

Sue Heimbichner, igosa lokuhlasela e-Chicago Title eSigramento, sele liye kwishishini ukususela ngowe-1976 kwaye libukele ukugqithwa kwezivumelwano zehlabathi eziza kwaye zihamba. Enye yezona zigwebo ezinkulu ukusuka kweso sihlandlo zavela kubathengi abathatha inqaku kuxhomekeke kwimali-mboleko ekhoyo egcinwe yimibutho yokugcinwa kwemali kunye nokuboleka imali. I-Congress yadlulisela uMthetho weeNdawo zoDiso-mali ka-1982, ngokusula ngokugqibeleleyo ikhono lokuthatha imali ekhoyo.

U-Heimbichner uthi ababolekisi namhlanje banamathele ngenye indlela. "Abanye ababolekisi bayavuya ukufumana iintlawulo zabo," watsho. Kodwa ungazami ukuthatha imali-mboleko evela kurhulumente. "Awufuni ukuhlaziya kunye noorhulumente," u-Heimbichner uxwayisa, "kuba uya kuhlaselwa." Ukuba isivumelwano sakho somhlaba siqulethe i-mortgage, kufuneka ufune ingcebiso yegosa le-estate estate.

Isampuli zemali-mboleko ezisekelwa nguRhulumente nguFannie Mae okanye uFreddie Mac, kunye nemali mboleko kaRhulumente yi-FHA okanye i-VA.

I-Vendee yeLungelo lamaLungelo

Kuzo zonke iinjongo eziphathekayo, iVendee iphethe ipropati kwaye inelungelo loku:

• Impahla.
• Ukunwabela kunye nokusetyenziswa kwepropati.
• Ukukhutshwa, ukunyanzelisa abanye ukuba bashiye indawo.
• Qalisa kwakhona.

Izinzuzo kwiVendee

• Akukho mfanelo, nangona uMthengisi angacela ikopi yombiko wengxelo yomthengi.
• Ukuhlawula ukuhlawulela. Isixa sithethathethwano.
• Ubude bexesha lesivumelwano somhlaba, inzala , kunye neentlawulo ziyaxoxisana.
• Iindleko zokuvala eziphantsi . Akukho mali yokuhlawula imali.
• Ukuvala ngokukhawuleza. Ukutshintshwa kungavalwa kwiintsuku ezingama-7 okanye ngaphantsi.

Iinzuzo kumthengisi

• Intengo ephezulu yokuthengisa kwaye akukho vavanyo. Nangona abathengi bayacetyiswa ukuba bafumane i-appraisal.
• Ukuba ihlawulwa, mhlawumbi inakho ukufumana inzuzo echaziweyo.
• Ingeniso yenyanga.
• Ngokuqhelekileyo izinga lokubuyisela elingcono kuneakhawunti yemarike yemali .
• Ukuba le propati ayihambisani, yindlela elula yokuthengisa.
• Ukuvala ngokukhawuleza.

Umthengi Iingcebiso

• Fumana uvavanyo.
• Ufumane ityhuwalense yegama.
• Ukubandakanya iinkonzo zenkampani yokubamba ukugcina isenzo esenziweyo kunye namaxwebhu okuqala.
• Thetha kummeli wezezindlu .

Iingcebiso zokuthengisa

• Bamba ingxelo yengxelo yomthengi.
• Bandakanya abini abaVelisi kunye neVendee amagama kwi-inshorensi ekhoyo.
• Ukuqesha inkampani yokuhlawula ukujongana nokuqokelela iikhontrakthi.
• Thetha kummeli wezezindlu.

Eli nqaku akufanele lichazwe ngokunika iingcebiso zomthetho. Abameli kuphela abanokunika iingcebiso zomthetho.

Ngexesha lokubhala, u-Elizabeth Weintraub, Cal BRE # 00697006, ungumhlobo-mboleko kwiLyon Real Estate eSigramento, eCalifornia.