Umbuzo: Ikhonkco elithengayo elifutshane lingazikhupha njani i-Contract Sale Sale?
Umfundi uyabuza: "Sayisayina isivumelwano sokuthenga ukuthenga indlu e-Elk Grove. Yayisithengiso esifutshane. I-arhente yethu isitshele ukuba silinde ubuncinane iinyanga ezi-3 kwibhanki ukuvuma ukuthengiswa okufutshane. Emva koko, emva kokulinda iintsuku ezingama-90 , i-arhente yethu ibizelwe ukuba umthengisi ukhansele isivumelwano sethu esithengisayo sokuba ibhanki ivume enye umthengi esikhundleni sethu.
Ngaba loo mthethweni? Umthengisi angayicima njani isivumelwano sethu esifutshane? "
Impendulo: Hayi, hayi! Ngaba udidekile kuwe, kwaye ukukhathazeka ukulinda lonke ixesha, ucinga ukuba uza kufumana ikhaya. Intliziyo yam iphuma kuwe. Ndiyaxolisa ukuva ukuba umthengisa uthengisile isivumelwano sakho esifutshane sokuthengisa. Makhe ndikhanyise oko kwenzeka.
Ukuthengisa okufutshane kunzima kwaye kunzima. Ukuphonsa isikrolo kwinkqubo enje ngokukukhansela ukuthengiswa kwakho okufutshane kwimizuzu yokugqibela kuya kuphazamisa kunoma yimuphi umthengi, ingakumbi umthengi wasekhaya owayenomonde kwaye uthembekile. Kungenzeka, nangona kunjalo, kwaye ndiya kuyonwaba ukuchaza isizathu sokuba ngomzuzu.
Abathengi banokukhansela iNkontileka yokuThengisa emfutshane
Ngokuqhelekileyo, akusiyo umthengisi oyeka ukukhontrakthi. Nguye umthengi. Kulo lonke, amanqaku amaninzi athengisa ukuthengisa athenganga ukuba ngubani umthengi ofumana ikhaya xa nje umthengi efanelekileyo kwaye ekulungele ukulinda kwinkqubo yokuthengisa emfutshane .
Nazi izizathu ezenza ukuba umthengi angakhansela inkontileka emfutshane yokuthengisa ngokurhoxisa umnikelo:
- Abathengi banokufumana ikhaya abayithandayo kangcono okanye ikhaya elingavalwa ngokukhawuleza.
- Abathengi banokuthi bangene ezinyaweni ezinyaweni , baziwa njengento yokuthengwa ngumthengi.
- Abathengi bangenayo injongo yokulindela imvume yokuthengisa emfutshane kodwa kunoko benza izinikezelo ezininzi kwizindlu ezingaphezu kweyodwa, bathabatha ukuthengisa okufutshane okufunyanwa kuqala.
Qaphela: Ezinye iingcali zomthetho zithi ziphula umthetho wekhontrakthi ukuba umthengi angenise ngaphezu kwesinye isibonelelo ngexesha ukuba umthengi akakwazi ukuthenga imizi yomibini.
Abadayisi abaye bavala izivumelwano ezinokuthengiswa okufutshane
Nangona kuqhelekileyo ukuba umthengi akhansele isivumelwano esifutshane, abathengisi banelungelo lokukhansela kanye. Abathengisi abasawusayina isivumelwano sokuthenga ngaphandle kokucacisa ukuba isivumelwano siya kunikwa imvume yokuthengiswa kwempahla emfutshane.
E-California, ii -agent zithengi ngokubanzi zifakela "i-addendum yentengiso emfutshane" kwisivumelwano sokuthenga. Isalathisi esithengiswayo esifutshane sichaza ukuba yonke intsebenzo ixhomekeke kwimvume yokubolekisa. Ngaphezu koko, iibhanki zingekho phantsi kwembopheleleko yokuvuma ukuthengisa okufutshane.
Imithombo yam yomthetho ithi xa ibhanki ikhetha ukwamukela isibonelelo sesibini kuMthengi # 2, ukuthengwa okufutshane kwintengiso nomthengi # 1 kwehluleka, kwaye ukuthengiselana nomthengi # 1 kupheliswa.
Nazi iindlela umthengisi angashenxisa isivumelwano se-short sale:
- Umthengisi unokugqiba isigqibo sokukhansela uluhlu, kwaye i- arhente yoluhlu iyavuma.
- Ukuqalwa kwento kungenzeka, ukuthintela ukuthengisa okufutshane.
- Umthengisi angakwazi ukufumana isipho esiphezulu kwaye akhuphe isibonelelo sokuqala .
Indlela abathengi abanokuthintela abathengisi ukususa ukuthengiswa okufutshane
Nangona kunqabile ukuba kwenzeke, ngamanye amaxesha abathengisi bafumana iinyawo ezibandayo kwaye batshintsha iingqondo zabo ngokuthengisa.
Kweso siganeko, umthengi obambe isivumelwano esithengiweyo esisayinwe kufuneka afune ingcebiso yegosa.
Into engcono kakhulu umthengi angayenza ifunda isivumelwano esithengiweyo sokuthengiswa kwentengiso kwaye, ukuba iqhotyoshelweyo, isihlomelo esithengiswayo esifutshane. Umthengi unqwenela ukuthetha nommeli ngokunjalo. Ngokwenene, ukuba isalathisi esithengiswayo esifutshane siquka i-verbiage evumela ukuba umdayisi aqhubeke nokuthengisa ipropati kwaye avumela zonke izipho ukuba zingeniswe ebhankini, ibhanki inokukhetha ukwamkela isipho nangaliphi ixesha eliphakamileyo kunikezwa ngumthengi wokuqala .
Abathengi abaninzi bakholelwa ukuba i- addendum esithengiswayo esifutshane ikhusela imali yabo yesigxina kwaye ivumela ukuba baqale ukuhlolwa kwekhaya emva kwemvume emfutshane yokuthengisa , okwenzayo, kodwa abayikufunda ukushicilelwa okulungileyo.
Ukushicilelwa okulungileyo kudla ngokulungileyo kumthengisi. Ukuba umthengi ufumanisa ukuba loo nto ingabonakali, umthengi unokunyanzelisa ukuba igatya liya kususwa ngokupheleleyo kwi-addendum esithengisayo.
Nangona kungenzeki ngokuqhelekileyo ukuba umthengisi uza kukhawuleza umthengi phantsi kwesivumelwano sokufumana isibonelelo esiphakamileyo, kunokuthi kwenzeke ngokuthengisa okufutshane. Ngokuqhelekileyo, umdayisi akayikuthengiswa kwithengi apho umthengi evala ukucima, ngaphandle kokuba kukho irhafu yerhafu.
Ukufumana iingcebiso ezithengiswayo ezithengiswayo ezincinane, nceda uthetha kummeli wezezindlu .
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.