Indlela yokuhlawula ikhaya lakho lokuthengisa

Isizathu sokuba Ufuna ukuhlawula indlu yakho

Enye into ebalulekileyo yokuqwalasela xa kuthengisa indlu ixabiso lentengo ngokufanelekileyo; kukhetha itekisi yexabiso elifanelekileyo elifanelekileyo: ubuninzi bendlu yakho, intengo yokuthengisa indlu. Awufuni ukunyusa indlu ngenxa yokuba uya kulahleka ukutshatyalaliswa kwesibheno sasekhaya emva kweyesibini ezimbini ukuya kwiiveki ezintathu zokuboniswa. Emva kweentsuku ezingama-21, imfuno kunye nomdla uya kufakwa.

Ngakolunye uhlangothi, ungakhathazeki malunga nexabiso eliphantsi kakhulu kuba amakhaya athengwa ngexabiso elingezantsi kwexabiso leemarike baya kufumana amanini amaninzi , okuya kuqhuba ixabiso lokuthengisa.

Ixabiso lilonke malunga nokubonelelwa kunye neemfuno. Inxalenye yezobugcisa kunye nenxalenye yesayensi, kwaye akukho zintengiso ezimbini zepropati kwindlela efanayo. Ezinye iimboli zibhetele ngakumbi ekuqiqeni indlela yokuhlawula indlu yakho kunezinye. Ukufumana izinto.

Yenza Uluhlu lweZintlukwano kunye nokuThengiswa

• Khangela yonke indlu efana nayo eyayibhalwe kuyo okanye ibhalwe kwiindawo ezifanayo kwiinyanga ezintathu ezidlulileyo. Abahloli bawasebenzisi ama-comps angaphezulu kweenyanga ezintathu.
• Uluhlu lufanele luqulethe amakhaya angama-1/4 miyela ukuya kwi-1/2 miyela kwaye kungabikho ngaphezulu, ngaphandle kokuba kukho iindawo ezimbalwa ezikufutshane okanye ipropati yasemaphandleni.
• Nika ingqalelo kwimida yokuhlukanisa ummandla kunye nezithintelo zomzimba ezifana nezitrato ezinkulu, iindlela zokuhamba okanye iindlela zokuhamba, kwaye ungaqhathanisi i-inventory evela "kwelinye icala kwicandelo." Apho ndihlala kwindawo yasePark Park yaseSacramento, umzekelo, amakhaya afanayo ngapha kwesitalato omnye komnye angahluka ngama-100,000. Iimbono kunye nokuthanda zixabiseke.

• Thelekisa imifanekiso engamaphepha afanayo, ngaphantsi kwe-10% ehlukeneyo yehla okanye ephantsi kwipropati yesifundo, ukuba kunokwenzeka.
• Amaxesha afanayo. Omnye ummandla ungase ube nemizi eyakhiwe ngowe-1950 ngasemva komnye umda wokwakha ukususela kuma-1980. Imilinganiselo phakathi kwezi zibini iyahluka. Thelekisa iipulo kwiipulo.
• Ukuvavanya ngokunyanisekileyo ukufunwa. Ukuba unelungelo lokuba nekhaya eliphuphayo eliza kubangela ukuba abathengi banqabile ekungeneni, unokuthi ubaleke kwi-premium.

Iintengiso zokuthengisa

• Yibani imbali yoluhlu lokuphelelwa yisikhathi kunye nokurhoxiswa ukuchonga ukuba ngaba nawaphi na athatyathwa kwiimarike aze avuke. Ukuba kunjalo, wongeza loo mihla kwiimarike kulezi zihlandlo zexesha lokufikelela kwinani langempela leemarike.
• Thelekisa intengo yexabiso lokuqala kwintengo yokugqibela yokuthengisa ukugqiba ukunciphisa intengo .
• Thelekisa intengo yokugqibela yokuthengisa kwixabiso elithengiswayo ukujonga izilinganiso. Kuqhelekileyo kwimarike yomthengisi kumakhaya athengise ngaphezu kwe-100% yexabiso lentengiso. Ngokuqhelekileyo amakhaya athengisa uluhlu lwamanani okanye ngaphantsi kwithengi lomthengi.
• Lungisa ixabiso lentengo yeendlela ezininzi, ukucwangciswa kunye nezixhobo / uphuculo.

Ukurhoxiswa kunye noLuhlu oluphelelwe yisikhathi

• Khangela iipatheni malunga nesizathu sokuba le mizi ayithenganga kunye nezinto eziqhelekileyo abelana ngazo.
• Yiyiphi i-brokerage ene-listing: inkampani ethengisa ngokuqhelekileyo yonke into eyihlwelayo okanye ngaba i-brokerage engaphumeleli engayisebenzisi imali ekuthengiseni ikhaya ?
• Cinga ngamanyathelo ongayithatha ukukhusela ikhaya lakho ukuba lingabikho uluhlu oluphelelwa yisikhathi .

Ukuthengisa okulindelekileyo

• Ekubeni ezi zinto zilindele ukuthengisa , amanani okuthengisa awaziwa de ukuthengiswa kweentengo; kodwa loo nto ayimvumeli umntu ukuba abize ii- agents eziluhlu kwaye ubacele ukuba bakuxelele. Abanye baya kuthi. Abanye abayi kuba.
• Yenza inqaku leentsuku kwiimarike, ezinokuthi zithathwe ngokuthe ngqo kwixesha eliza kuthatha ngaphambi kokuba ubone i-offer.

• Hlola imbali yalezi zihlomelo ukujonga ukunciphisa intengo.

Uludwe oluPhezulu

• Ezi zinto kuphela xa zithelekisa nokuluhlu lwakho, kodwa khumbula ukuba abathengisi banokubuza nayiphi na into abayifunayo.
• Ukuze ubone ukuba abathengi baya kubona ntoni, tyelela le mizi. Yenza ingqalelo into oyithandayo kwaye ungayithandi, uvakalelwa ngokubanzi xa ungena kule mizi. Ukuba kunokwenzeka, yenza kwakhona loo mvakalelo yokufumana ekhaya lakho.
• Amakhaya aya kukhuphiswano lwakho. Zibuze ukuba kutheni umthengi angathanda indlu yakho ngaphezu kwayo nayiphi na yale nto kwaye uhlalutye ixabiso lakho ngokufanelekileyo.

IiNtlawulo zeeNyawo zePalayini

• Khumbula ukuba emva kokufumana isibonelelo, umboleki-mboleko kumthengi uya kudosa i-appraisal, ngoko uya kuthanda ukuthelekisa amakhaya aneemifanekiso ezifanayo.
• Abahloli abanqweneli ukuba baphambuke ngaphezulu kwama-25% kwaye bakhetha ukuhlala ngaphakathi kwe-10% yenkcazo yamanqaku emigangatho yesikwere. Ukuba ikhaya lakho liyi-2000 sq. Ft., Amakhaya athathatywayo ngabo abo bangama-1800 ukuya ku-2200 sq. Ft.

• Umyinge weendleko zeenyawo zesikwele akuthethi ukuba unako ukulandelana ngamanqaku akho square ngelo nani ngaphandle kokuba ikhaya lakho lilinganiselwe. Ixabiso ngalinye ngeenyawo zesikwele liphakama njengoko ubukhulu behla kwaye buyancipha njengoko ubukhulu bonyuka, oku kuthetha ukuba imizi emininzi ineendleko ezincinci zeenyawo zesikwele kunye namakhaya amancinci aneendleko ezinkulu ezinyawo zeenyawo.

Ixabiso lokuThengwa kweMarike

• Indlu efanayo, amanani amathathu ahlukeneyo. Emva kokuba uqokelele yonke idatha yakho, isinyathelo esilandelayo kukuhlalutya idatha ngokusekelwe kwiimeko zemarike. Ngenjongo yokuthelekisa, masithi ezintathu zokugqibela ezithengiswayo kummandla wakho kwakuyi $ 250,000. Kwimarike yomthengi , intengo yakho yokuthengisa inokuvumela elinye igumbi lokuxubusha kodwa lomelele ngokwaneleyo (ekufutshane neentengiso ezigqithisileyo) ukukhohlisa umthengi ukutyelela ikhaya lakho. Ukuthengisa kule makethi, unokufuna ukuhlawula ikhaya lakho kwi-$ 249,900, ulungiselele i $ 245,000.
• Kwimarike yomthengisi, unokufuna ukufaka ngaphezulu kwe-10% ngaphezulu kwintengiso yokugqibela efaniswayo. Xa kukho intengiso encinane kunye nabathengi abaninzi, unokucela ngaphezu kokuthengiswa kokugqibela okuthelekiswayo kwaye mhlawumbi uyifumane. Ngoko loo mali eyi-250,000 yasekhaya ingathengisa nge-$ 265,000 okanye ngaphezulu.
• Kwimakethe elinganiselayo okanye engathathi hlangothi , unokufuna ukuqala ukubeka ixabiso lakho ekuthengiseni okugqithisiweyo kokugqibela kwaye ulungelelanise indlela yokuthengisa. Umzekelo, ukuba ukuthengiswa kokugqibela kuvaliwe ezintandathu kwiinyanga ezidlulileyo, kodwa intengo yomlambo ihambele phezulu kwe-1% ngenyanga, ixabiso lentengo kwi-254,500 zamawaka liza kuqonda.

Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.