Uyenze inxalenye enzima, ulinde imvume yokuthengisa emfutshane kwaye ngokwenene ufumana isigunyaziso sokuya ekuvaleni.
Eminye imele ibe yinto elula kwaye ayifani kakhulu neyokuthengiswa kwezinto eziqhelekileyo, ngaphandle nje kokuba kungatshintshi nto kwaye unokuhlangabezana nomhla wokuvalwa kwakho wokuvala.
Isinyathelo sokuQala ukuVala ukuThengiswa okufutshane
Hlaziya uqikelelo lwenkolelo yakho kunye nencwadi yokuvuma kunye nomboleki wakho. Qinisekisa ukuba iindleko zokuvala umthengisi kwaye uyavuma ukuba umdayisi uya kuhlawula egunyazisiweyo kwibhanki yokuthengisa emfutshane kwileta yokuvuma yokuthengisa emfutshane .
Ukuba kukho ukunqongophala, fumana ukuba ngubani oza kuwuhlawula. Ukuba ngaba ngumthengisi, ngaba ibhanki yokuthengisa elifutshane ivumele ukuba umthengisi ahlawule? Udinga uhlobo lobungqina bokuba iindleko zokuvala ezivunyiwe kumdlalo wetawulini izindleko ezivunyelwene ngazo kwisivumelwano sakho sokuthenga. Oku kungaba ngumcimbi omkhulu ekuvaleni ukuba unokubetha ngokukhawuleza ngeendleko zokuvala ezingalindelekanga. Ngaphezu koko, kunokulibazisa ukuvala ukuba ufuna ukutyikitya i-GFE entsha.
Okungekho enye yeeNcwadi ezimiselweyo zokuThengiswa kweMpahla emfutshane
Ukuba lo msebenzi uthengisa abadayisi abancinci abancinci okanye ngaphezulu, qi
Ukuba enye ileta igunyazisa ukuhlawulwa kwekhomishini kwaye enye incwadi iyanciphisa, awunayo isivumelwano. Nazi izinto ezibalulekileyo kufuneka zibe neileta:
- Ukuhlawula umthengisi wesibini. Bobabini umbolekisi bokuqala kunye neyesibini zethengisa iileta kufuneka bachaze inani elihlawulwe kumboleki wesibini, kwaye loo mali kufuneka ifane.
- Abathengi abavunyelweyo. Ngamanye amaxesha abathengi bafuna ukongeza abanye abantu kumsebenzi wokuvala. Abo bantu kufuneka baqeshwe kwileta yokuvuma. Awukwazi ukuba neleta enye evela kumthengisi wokuqala owamkela uMary Jones njengomthengi, kwaye enye incwadi evela kumthengisi wesibini owamkela uMary Jones noDavid Jones njengabathengi.
- Umhla wokuvalwa. Ukuba awukwazi ukuvala umhla wokuqala phakathi kweleta ezimbini, ngoko uya kufuneka ufumane isandiso esincinci sokuthengisa kuloo mboleko.
Uhlolo lwasekhaya Ngaphambi kokuvala ukuthengiswa okufutshane
Iimveliso ezimfutshane zithengiswa ngeemeko zazo "njengokuba". Oku kuthethwa ngokuthethi ukuba umthengisi akayi kulungiswa. Ukuba uhlolo lwakho lwasekhaya lubonakalisa ukungaphumeleli okanye iingxaki, akuyiyo ingxaki yomthengisi. Yakho. Nazi izicwangciso eziqhelekileyo:
- Yamkela ikhaya "njengoko kunjalo"
- Ukukhansela ukuthengisa okufutshane
- Buza ibhanki elifutshane lokuthengisa ukulungisa . Kodwa ibhanki iya kukhanyela loo mbono.
Ukuxhaswa kwemali emfutshane Ukuthengiswa okufutshane kunokuphelisa ukuvalwa
Kukho iingxaki ezinxulumene nokuxhaswa kwempahla emfutshane . Ukususela kwi-appraisal ukuya kubhala phantsi, izikhokelo zinyanzeliswa. Elinye iblip elincinci lingenza umboleko omncinci wokuthengiswa ukuba unamathele ekubhalweni phantsi kwaye unqatshelwe.
Unokuba neemeko zemali kule mboleko.
Umbuzo unokuba ngubani oya kukunyamekela, uthi, ukulungiswa kwe-FHA echazwe kwi-appraisal? Ukuba umdayisi uthengisa "njengokuba kunjalo," umthengisi angenalo ukuthobela iimeko zemali. Kodwa ihlabathi lenene kukuba ukuba umthengisi wenqabile ukunceda umthengi ahlangabezane nezimo zezimali, ukuthengisa okufutshane akuyi kuvala ngaphandle kokuba umthengi akwenza. Abathengi abafuni ukulungiswa kwikhaya umthengi akakho.
Ukuba umdayisi wenqabile ukuncedisa ukwenza izimo zezimali, zilungele ukujongana nazo ezi projekthi. Ufumane imvume kumthengisi ngokubhala. Abathengisi abaninzi abanomdla baya kunceda umthengi ukuba acacise iimeko zezimali.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.