Ukuvala xa i-Appraisal ifika ephantsi
Ngaba ukhathazekile ngokufumana uvavanyo oluphantsi okanye uvavanyo lwakho sele lugqityiwe kwixabiso elingaphantsi kunokuba ulindele? Siyaxolisa oku kwenzekile kuwe. Kwiimarike zathengisi, ukubonelela ngeemeko ezininzi kubakho ukuqhuba ixabiso lokuthenga eliphakamileyo kunanoma yiyiphi intengiso enokulinganiswa kuloo ndawo; Yingakho kula maxesha abaninzi abathengisi banenkxalabo yokuba ii-appraisals ziza ngaphantsi. Kwiimarike zathengi , xa amaxabiso athambileyo okanye awa, abathengisi banenkxalabo yokuba ukuhlolwa kwee-appraisal kuya kuba yi-evaluated low.
Iimvavanyo eziphantsi zingenzeka nakweyiphi na imarike, nangona kunjalo: kushushu, kubanda okanye kungathathi hlangothi .
Kutheni kuhlolwa ii-Appraisal Low?
Umbutho weSizwe we-Realtors ubika kwingxelo ye-REALTOR Confidence Index Survey yokuthengisa phakathi kukaNovemba 2016 noJanuwari 2017, i-22% yabaphenduli bejongene nemiba yokuhlola. KuPhando lwe-NAR lwabaqashi bemali, ama-55% abo baphenduliweyo kwesoxesha lichaze imiba yokuhlola.
Kukho isibalo sezizathu zokuba amakhaya angabonakali kwixabiso lokuthengisa kunye neefomali ziza ngaphantsi. Nazi ezimbalwa:
- Ixabiso elithengiswa ngokufanelekileyo ngenxa yokunikezelwa kwamanani amaninzi .
- Ukunciphisa ixabiso lemarike ngenxa yokuthengwa kwabathengi abancinci phakathi kwempahla emininzi yamakhaya.
- Ukuwa kwizinto ezininzi zokungcebeleka okanye ukuthengisa okufutshane kwiindawo ezikufutshane, ngakumbi xa kungekho nto yokuthengisa efaniswayo .
- Uvavanyo olungalunganga ngumgcini- phantsi .
- Ukugqithiswa ngumthengisi.
- I- appraiser engenalwazi ongaziqondi iimpembelelo zendawo kwixabiso.
- Ukunyuka kwamaxabiso emakethi ngenxa yokuqhelaniswa kwempahla kunye neenkcukacha ezimbalwa.
- I-Appraiser ingabonwa phantsi kwedatha yokuthengisa, engayibonisa ukuthengisa okuthelekiswayo okuphezulu xa ivalwe, okanye umsetyenzisi wezinto ezikhethiweyo uthengise ukuthengiswa okuthelekisayo ukusuka kwindawo engafanelekanga.
- Umthengi ufumana imali evela kumthengisi, okwenza umboleki ukuba akholelwe ukuba ixabiso liye lahlulwa.
Enye into engabonakaliyo ingaba umboleki ufuna ukuboleka imali. Ababoleki bafuna ukuboleka imali, kwaye ababolekisi abanqatshelwe ukulungiswa kwakhona .
IziSombululo zeeNkcazo eziPhantsi
Musa ukwethuka xa uvavanyo luza luphantsi. Kunzima ukuhlala uzolile xa kubonakala ukuthengiswa okuza kuhlalwa, kodwa zombini amaqela anokukhetha:
- Umthengi angenza umehluko ngemali.
Umboleki-mboleko unenkathalo malunga nokuvavanya kuphela kwindlela echaphazela ngayo umlinganiselo wokubolekwa kwemali-mboleko . I-appraisal ephantsi ayithethi ukuba umnini-mboleko akayi kuboleka. Kuthetha ukuba umnini-mboleko uza kwenza i mboleko ngokusekelwe kumlinganiselo ovunyelwene ngawo kwisivumelwano kwixabiso elithengisiweyo. Ngamanye amaxesha umthengi womthengi akayi kuvumela umthengi ukuba anike imali ngemali kwaye, kuloo mcimbi, umthengi ahlawule endaweni yezinye iindleko zokuvala.
- Umthengisi anganciphisa intlawulo.
Ukuba indlu yayingaphezu kwexabiso okanye ixabiso lalingenisekile, ngoku kudla oku kuyona isisombululo esihle. Yenza umthengi ujabule kwaye umnini-mboleko unelisekile. Akukho siqinisekiso sokuba ukuba umthengi uyahamba, umthengisi akayi kufumana uvavanyo oluphantsi ukusuka kumthengi wesibini umthengi, kungekhona ukukhankanya ixesha kunye neengxakini kuthatha ukuthengisa ipropati kwakhona. Ngamanye amaxesha intaka esandleni.
- Umthengisi unako ukunikela ukuba athathe i-mortgage yesibini yomlinganiselo.
Ukuba umthengi ufuna umnqweno kodwa akakwazi ukuzahlula ngemali, ukwenza iintlawulo okanye ukuhlawulwa kwemali kwintlawulo kamva kumthengisi kuyona ndlela. Emva kokuba i- escrow ivale, abathengisi bahlala benelungelo lokunciphisa imali yesibini yokuthengisa , bathengise ngexabiso elincinane kumntu-mali.
- Myalelo wesibini uvavanyo.
Okokuqala, ukuba umboleko wakho ngumboleko we-FHA, cela umboleki-mali uluhlu lwabahloli bee-appraisers abavunyiweyo. Ingaba umdayisi okanye umthengi angahlawula ukuvavanya okwesibini. Ngamanye amaxesha uphononongo lwesibini luza kuphakama ngaphezu kweyokuqala, ngakumbi ukuba umntu oqala ukuvavanya wayengenalwazi okanye wenza iimpazamo.
Ukuba imali yakho mboleko iyimali-mboleko yesiqhelo , ngoko ixhomekeke kwimimiselo ye- Code of Conduct Code of Conduct (HVCC). UBar Torres, u-appraiser ophakamileyo ovumelekileyo uthi, "Ngokukhawuleza ukuba amaqela afumana umhloli wenkampani ephuma ngaphandle owaziyo kwimarike yasekuhlaleni, banelungelo lokuqhagamshelana nomboleki (mhlawumbi ngokubhaliweyo) UKUBA ufuna umhloli wendawo yokufunda . "
- Nika uluhlu lweentengiso ezifaniswayo .
Buza abachaphazelekayo ababandakanyekileyo ukuba bahlanganise uluhlu lweentengiso ezilandelelaniswayo eziza kutshatyalaliswa ukuba ziqikelele ixabiso elivunyelweneyo lokuthengisa. Thumela ololuhlu kumgcini-phantsi kwaye ubuze ukuhlaziywa kwe-appraisal. Zama ukusebenzisa iikhompyutshane kufuphi nepropati yesifundo ngaphezu kweenkomfa ezisetyenziswe ngumhloli wenkampani.
- Kwakhona, cela ii-agents ukuba zibize ii-agent zoluhlu olulindele ukuthengisa ukuze uzame ukufumana intengo yokuthengisa yezo zakhiwo. Iintengiso zee-listings azidingeki ukuba ziveze intengo yokuthengisa, kodwa abaninzi banwabileyo ukuncedisa ngenxa yokuba bafumaneke kwimeko efanayo. Unokuhlala ucela ukuba i-arhente icinga ixabiso lakho liya kulubala ukuba i-arhente iyala ukuchaza inani elilindelekileyo.
Ukulungelelanisa kwixabiso. Ngamanye amaxesha abathengisi baya kubuya emncinci kumthengi ohlawula ulwahlulo olupheleleyo kwaye baya kuhlala kwindawo ethile phakathi kwegalelo elipheleleyo lemali kunye nokunciphisa ngokupheleleyo intlawulo. Ngokubhekiselele kumbono wokuthetha, i-$ 10,000, umthengisi angavuma ukuba amkele i-$ 5,000 ngemali kwaye anciphise ixabiso nge $ 5,000.
- Buza umthengisi ukuba ahlawule ukuvavanya ngokuzimeleyo. Ukuba umthengi wayebeka phantsi i-20%, umzekelo, umthengi unokutshintshela kwinkqubo yokubolekisa phantsi kwe-10% kunye nokusetyenziswa kwemali esandula ukukhululwa kwemali ukuba athethe inkokhelo ephezulu yemali kumthengisi.
- Ukukhansela ukuthengiswa.
Abaninzi abathengi iikontraki ziqulethe umthwalo wemboleko . Ukuba i-appraisal ifika ephantsi, umthengi akafanelekanga ukuthenga ipropati ngokwemiqathango evunyelwene ngayo kwisivumelwano. Ubungakanani bentengo ebhaliweyo ngokubhaliweyo buvumela umthengi ukuba akhansele isivumelwano kunye nokufuna umdayisi ukuba akhululwe imali yokuthenga idiphozi yomthengi .
Ngokufanayo, umdayisi angathengisa ngaphezulu ngokubeka ikhaya kwikharityhulam kwaye efuna umthengi omtsha. Ngaphandle kokuba uvavanyo oluphantsi lube yi-FHA, uvavanyo olutsha luyahluka kakhulu. I-FHA i-appraisals inikezelwe inombolo yesohlwayo ukuba ngaba umthengi wokuqala u-FHA kunye nomthengi wesibini ngu-FHA, uvavanyo olufanayo luya kusetyenziswa.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.