Izikhokelo kunye nezihlomelo zasekhaya ukukunceda ukuba ufumane izibhengezo
Amaninzi amaninzi angaphambi kokuqhawula amaxesha anikezelwa njengentengiso emfutshane ekugqibeleni iphela njengento engaphambili, ekugqibeleni igcinwe ebhankini. Isizathu sokuba abathengi banqabe ukuthenga ikhaya elincinci lokuthengisa lingaba nawuphi na oku kulandelayo:
- Abathengisi bahlutha impahla yekhaya lokuthungula kunye / okanye bachithe ipropati.
- Ibhanki yenqabe ukungamkeli ngaphantsi kwe-balance balance mortgage.
- Abathengi badluliselwe ngokuthengiswa okufutshane ukufumana ukuthengwa kwe-intanethi.
- Indawo yokuhlala kunye / okanye indawo yokuhlala yayingathandeki.
- Uluhlu lubekwe ngaphezu kwexabiso lemali.
- Umthengisi akafanelekanga ukuthengisa okufutshane .
Ukufunyanwa nokuthenga ukuThengwa kwexesha
Akuyiyo yonke into eyenziwa ngokucacileyo, kwaye ezinye ziyakwazi ukuxhamla kwiimpawu zobomi ezingalindelekanga. Kukho ukuphazamiseka ukuthenga izinto ezingaphambili . Amanye amakhaya adibeneyo iadayimani elinde ukuba iphosiwe. Abathengi bokungenazizinto abangenalwazi abanokungafuni ukuqesha i-agent ye- real estate ukukhokelwa kunye noncedo. Kukho iindlela eziliqela zokufumana izibhengezo ezichaziweyo, ezichazwe ngezantsi, nokuba usebenza ne-arhente yendawo yokuhlala okanye akunjalo.
Agent Real Estate Agents
I-arhente evelisa phezulu kwi-Sacramento igxile ekuhleni uluhlu. Siyazi ukuba ungubani ngenxa yokuba siyazi ukungena kwiimpawu zokuphenya kwiNkonzo yeeNkcukacha ezininzi ( MLS ) ukukhupha zonke izinto ezingaphambili.
Abathengi abafumana ukufikelela ngokuthe ngqo kwi-MLS njengamagosa akwenzayo.
Unokucela i -arhente yomthengi ukuba afune i-REOs (i-real estate yababolekisi), kwaye xa ubona igama le-adress list ngokuphindaphindiweyo, ukhupha iphrofayili ye-arhente kwaye ujonge uluhlu lwakhe. Mhlawumbi uya kufumana itoni yezinto eziphambili kwiindawo zakho.
Iimpawu zeMpahla
Ukuqhutyelwa kwiindawo ezixinzezelekileyo apho ufuna ukuyithenga enye indlela ephezulu yokufumana izikhwebu. Imiqondiso ingafundwa:
- Ukuchithwa
- Ibhanki-eyabelwe
- Bank Repo
Shayela i-agent igama layo lingumqondiso kwaye ubuze malunga nolunye uluhlu lwezinto zokungcebeleka ezinokuza kwiimarike. Amagcisa athile ngokugqithiseleyo ekulondolozeni izihlandlo ngamanye amaxesha ahlale eveki xa ulawulo lwebhanki lwamkela uluhlu lwamaxabiso , ngoko unokufumana ukuxhamla kwabanye abathengi ngokubuza malunga nezinto ezinokuthi zingabhalwa.
Ukuba usebenza ne-ejenti yomthengi, unokucela ukuba i-arhente yakho ikufumane le ngcaciso kuwe.
IiWebhusayithi ezinkulu zeBhanki
Iibhanki ezininzi zigcina uluhlu lwe-intanethi yeepropati eziqingqiweyo. Ayikho yonke ibhanki izothengisa abathengi ngabanye. Umkhuba oqhelekileyo phakathi kwababoleki abakhulu ukulahla ii-REOs kukuzibophelela kwiipakethe kwaye zithengise loo phakheji kwisaphulelo kubasomali.
Nakhu abambalwa ababolekisi bamazwe abagcina iiwebhusayithi zezindlu zebhanki:
- Bank of America
- Chase
- Ibhanki yaseU.S.
- Wells Fargo
Iinkampani zoLawulo lweAsset
Abanye ababolekisi baqeshe inkampani yokulawula i-asethi ukujongana nokugqithiswa kwangaphambili kumnini-mboleko. I-Wells Fargo isebenzisa iiNkonzo ze-Premium Asset. Ulawulo lwe-Asset Management yi-arhente kazwelonke ejongene nokungafani.
IiNkonzo zoRhulumente
Amanye arhente karhulumente ayakufuna ukuba ugcine iinkonzo zomthengisi wezabelo ukuze wenze isipho sokuthenga. Abanye baya kukuvumela ukuba uhambise izibonelelo ngokwakho. Funda nganye indawo ukuze uthole ulwazi oluninzi.
- I-HUD - ISebe leZindlu lezeMakhaya kunye noPhuhliso lweMihlaba yaseMelika
- UFannie Mae - amakhaya okuqhaqhazela ngewebhusayithi yayo ye-HomePath
- Isebe leNondyebo - IiNdlu ezithatyathwe yiNkonzo yangaphakathi yeNgeniso
- I-SBA - Uludwe lweShishini elincinci lweZimashishini ze-foreclosure kunye nezikhokelo
Izindlu zeeNtengiso
Iinkampani zentengiso zineendyuni ezinkulu, ngamanye amaxesha zithengisa ezininzi izindlu ezili-100 okanye ngaphezulu ngosuku olunye. Nangona iingcali ezininzi ziyavuma ukuba iinkampani zentengiso zihlala zifumana amanani aphezulu ngenxa ye-auction frenzy eyadalwa phakathi kwabathengi bayo, ngamanye amaxesha unokufumana ixabiso kwi-inventory yabo.
- Icandelo lokuLawula iiNdawo zangaphandle
JP King
IiNkonzo zeeNtshonalanga zeLizwe
- Williams & Willaims
- Bid4Assets
Intengiso zeInternet
Iinkampani zokuqhawula nge-Web zisebehlawula imali yokukunika uluhlu lwepropati yokuchithwa. Isizathu sokuba kuthatha ixesha, inkathazo kunye nobuchule ukufumana nokudibanisa uluhlu lokuchithwa kwelizwe elichanekileyo. Unokufumanisa ukuba kukufanele ukuvumela ezi nkampani zifune.
- Foreclosure.com
- RealtyTrac
I-Courthouse Isinyathelo seNtshontsho
Ungaphinda ufune ukuzama isandla sakho kwibhidi ukuze kuqinisekiswe ukunyuswa kwinqanaba lamagqeba. Qaphela ukuba abaqeqeshi bahlala belawula ezi ndawo. Umgca wecala kukufuneka uhlawule imali kwaye uthenge impahla engabonakaliyo, kwaye unokuba ucinga izibambiso okanye izigwebo kwaye unyanzelekile ukuba uhlawule irhafu yerhafu.
Kwakhona kufuneka uqikelele ukulingana .