Umbuzo: Ngaba i-Code of Conduct Code of Conduct iyakuthinta i-Appraisal of My Home?
Umfundi uyabuza: "Ndididekile, ndandiva ukuba imigaqo emitsha iyasebenza kwii-appraisals, kodwa into endiyifumana kwi-intanethi yiqela labantu ababolekisiweyo. Ndibeka indlu yam ukuthengiswa ngeveki ezayo. Ngaba i-Code of Conduct Code of Conduct iyakuchaphazela ukuhlolwa kwekhaya lam? "
Impendulo: Awuyedwa yedwa ekudidekeni kwakho malunga nama-appraisals. Ephezulu, iKhaya lokuHlola lokuHlola, eyaziwa njenge-HVCC, izandile njengeengcamango ezilungileyo. Inkqubo yokuhlaziywa kwakhona yovavanyo ichaphazela abaninzi abaninikhaya. Umninzi, kungakhokelela ekuhlaleni oluphantsi kwekhaya lakho.
Ummeli-Jikelele weNew York State u-Andrew Cuomo ngo-2007 wafaka isigwebo ngokumelene ne-AAppraisalIT kunye nomzali wayo, uMnumzana wase-Amerika, ukuba angene eWashington Mutual, okusolakala ukuba wayexinzelele abahloli bee-appraisers ukuba bangenise ii-appraisals ezithintekayo.
Ngenxa yesigwebo, uFannie Mae kunye noFreddie Mac, abathengi bezona zikhulu-mboleko zemali e-United States, banyulwe ukuba bafikelele kwi-Code of Conduct Code of Conduct. Bonke ababolekisi abaqhelekileyo abathengisa imali kwiFannie Mae okanye uFreddie Mac kufuneka ngoku balandele iNkcazo yokuHlola yaseKhaya. Ichaphazela ukuboleka kwe-FHA ukususela ngoFebruwari 15, 2010 kwaye phambili, kwaye inkqubo ngokwayo ihlaziywa rhoqo.
Yiyiphi iKhawudi yokuHlola iKhaya?
Imithetho ye-HVCC ithi iibhanki ngabanye kunye nabathengisi bempahla abathengisa iimali-mboleko eziqhelekileyo kwiimarike zesekondari kuFannie Mae noFreddie Mac abakwazi ukukhetha abo bahlalutyi. Bamele bavumele inkampani yolawulo lwe-appraisal ikhuphe i-appraiser kwisitya sayo se-appraisers ukwenza uvavanyo.
Iimigaqo ze-HVCC zenzelwe ukuyeka ukuhlanganiswa phakathi kwamaziko okuboleka kunye nabahloli-mali. Nangona kunjalo iinjongo ezifanelekileyo, iKomiti yokuHlola yokuHlola yaseKhaya, ngokweengcali ezininzi zezoshishino zendawo yokuhlala, ibuye iphelile.
Kwimizamo yokuphazamisa ixabiso lekhaya elincinci, elenza isahlulo esincinci sokwenza intengiso, i-HVCC yabangela ukuba i-chaos, ngokuchasayo, kwaye ilahlekise inkqubo yonke yovavanyo lwabaninzi ababolekayo. Kungcono namhlanje.
Yintoni ephosakeleyo neKhaya yokuHlola yokuHlola?
Ndiyakwazi ukukuxelela okwenzekayo kwimakethe yaseSakramento, endiyithembayo ngokuqinisekileyo inyanzelisa phantse yonke imarike yendawo yokuhlala kweli lizwe.
- Abahloli beNgingqi beNgingqi baqhuba ii-Appraisals.
I-Sacramento abathengi bahlawula i-appraiser esuka eStockton, isixeko esiphantsi kwemizuzu engama-45 ukusuka eSigramento, ukuvavanya kwisixeko apho umntu ongenamsebenzi engaphila okanye asebenze. Elinye ipropati lalibonakaliswe ngu-appraiser waseLas Vegas, eNevada. Ukuba i-appraiser ilayisenisi yokusebenza kwindawo, banokusebenza kuloo mmandla, nangaphandle kwamava.
- I-Appraisers Ngamava angaphantsi awenza ii-Appraisals.
Ngenxa yokuba abahloli bee-appraisers bakhethwe ngokungaqhelekanga ukusuka kwigumbi labo bonke abahloli bee-appraiser abanelayisenisi, umntu obolekayo unokuphelisa nge-appraiser entsha. E-California, i-appraiser iyakwazi ukufumana ilayisenisi yokuhlala ukulinganisa ikhaya elilodwa lentsapho elixabisa ukuya kwi-1 million yezigidi. Iimfuno zi-150 iiyure zemfundo kunye neeyure ezingama-2 000 emsebenzini ngelixesha leenyanga ezili-12, ngokutsho kwe-California Office of Real Estate Appraisers.
- Abahloli abanamava abaphuma kwi shishini.
Into eyenziwa ngabahloli bee-appraisers abanamathuba amaninzi baye bahlala ngaphakathi kwimizi ekuhlaleni apho bacelwa ukuba bafunde. Bayazi ukuba kutheni ikhaya kwelinye icala lomda ongasemgangathweni lingaba nexabiso eliphezulu lemarike kunekhaya ngaphesheya. Baxhomekeke kumashishini okuphinda. Xa loo mthombo wezoshishino usomile, abanalo msebenzi kunye nobuchule babo bungenanto.
- Iintengiselwano Zingahle Ziphume Ngaphandle Xa Iimvavanyo Ezimbi Ziyinto Ephantsi.
Abahloli abangakwaziyo ummandla okanye abanamava ambalwa kakhulu banokuvelisa ukuhlolwa kwexabiso elingaphantsi kwexabiso. Xa i-appraisal ingena ngaphantsi kwentengo yokuthengisa, abathengisi abaninzi banqaba ukuthetha kunye nabathengi abafuni ukwenza umehluko. Ngoko ukuthengiswa okulindelekileyo kuqhuma. Umthengisi ulahlekelwa ngumthengi, kwaye umthengi ulahlekelwa ngumzi . Kukho ezinye iindlela zokujongana nophononongo oluphantsi, kodwa ukukhanselwa kwintengiso kuqhelekileyo.
- UmThengi uhlawulele iNkcitho eyongeziweyo yoVavanyo.
Akukho nto yokutya yasemini. Ngenxa yokuba inkampani yolawulo lwe-appraisal ekhetha abahlalutyi kufuneka ihlawulwe, abathengi bathatha iindleko. Ingxenye yenkcitho yovavanyo-mali iya kwinkampani yolawulo lwe-appraisal, kunye ne-balance to the appiseriser. Umntu kufuneka ahlawule umrhumo kwinkampani yolawulo lwe-appraisal. Ukungathethi, abahloli bee-appraisers benza imali encinci ukwenzela ukuba bancinci abahlalutyi abasele kwishishini.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.