Kwiminyaka engaphezu kwe-100, xa umntu obolekayo ekhethiweyo ukuba akhethe i-best mortgage lender, loo mntu waya ebhankini. Mhlawumbi kwakukho ibhanki enye edolophini. Umthengi webhanki unamathele ihashe yakhe kwaye aqhutywe ebhankini. Ibhizinisi lalihlala liqhutywa ngokubambisana nomntu oyedwa onikwe umsebenzi wokuhlaziya impahla kunye nekhono lomboleki ukubuyisela imali.
Namhlanje, kunjalo, kukho iibhanki phantse kuzo zonke ikhonkco.
Nangona kunjalo, kusenokwenzeka ukudibana ubuso nobuso kunye negosa le mboleko, akufuneki ukuba udibane nomntu ukufumana mboleko. Izicelo ezininzi zemali mboleko ziphathwa ngekhompyutha, kwi-intanethi. Enyanisweni, xa kufika ixesha lokutyikitya iimpepha zakho zemali-mboleko, i-notary ehambayo ingafika kwindawo yakho yezoshishino okanye indawo yokuhlala, okwenza ubonakale bakho phambi kwesa notary ngokufanelekileyo ukuba umntu obolekayo akufanele ashiye indlu.
Ukuba ixesha lifikile ukuba ukhethe i-best mortgage lender, ngelixa ungalingeka ukuba uye esikhungweni apho ugcina khona i-akhawunti yakho yokujonga okanye yokulondoloza, yima ukuqwalasela inkonzo enokuyifuna. Akuyona indlela elula ngayo indawo yebhanki yakho kwikhaya lakho ngenxa yokuba akudingeki ungene kwibhankini ukuze ufumane imali . Akunyaniseki ebhankini kuba wena, mfundi othandekayo, unye kwi-akhawunti yezigidi.
Kwakhona akusiyo inzala yemali yokuthenga imali okanye ityala lokufumana imali mboleko, eyaziwa njengeengongoma zemboleko.
Ababolekisi bemali mboleko banomncintiswano omkhulu, kwaye baninzi kakhulu banikezela i-bag yeemali. Izandla ezantsi, umlinganiselo owodwa onokukunceda ukhethe i-best mortgage lender yinkonzo yamakhasimende. Fumana i-mortgage lender eneentlawulo ezilungileyo kakhulu kumakhasimende anelisekile.
Ukongezelela, umntu oyena mntu ulungele ukunikezela ngcebiso engcono malunga nendlela yokukhetha i-best mortgage lender, yikholwa okanye cha, i- agent yakho yezindlu .
I-arhente yakho ye-real estate kufuneka ikwazi ukufumana ulwazi olusisandleni sokuqala malunga nabanikezeli bemboleko. Ukusebenza kubaluleke kakhulu kwingxelo yokuthengiswa kwezindlu. Uninzi lwezinto zokuthengwa kwezindlu ezingenako ukuvala ngexesha lilandelwa ngqo kumntu obolekayo ukuba akwazi ukwenza.
Abanikezeli bentengo ababolekayo ngabathengi abo bathatha uxanduva lomboleko wakho. Oku kuthetha ukuba:
- Xoxa ngendlela efanelekileyo ngexesha elifanelekileyo
- Nika amaxwebhu ngaphandle kokulibala
- Ukulindeleke iingxaki kwaye uthathe amanyathelo asebenzayo ukuphepha ezo ngxaki
- Ukujongana nenkqubo yesicelo semboleko ngokufanelekileyo kwaye ngokufanelekileyo
- Ukudibana nexesha elibalulekileyo
Phantse wonke umntu kumashishini enkonzo namhlanje unemibuzo ye-intanethi. Nangona ezininzi iiwebhusayithi eziza kusenza umntu avume ukuhlaziywa, oko kuthetha ukuba umbuyekezi angabonakalisa, umntu ophethe i-vendetta okanye i-troll, ezininzi iimpendulo zivela kubathengi. Ukhangelelanise umboleki-mboleko kunye nomgangatho ophezulu wokwaneliseka kwabathengi.
Ukubolekwa kwemali-mboleko kusekho ishishini lomntu, njengokuba ezinye iinkampani zizama ukulungelelanisa inkqubo. Akunjalo nje ngamanani. Kuye kwaye kuya kuba njalo ngabahlali abonwabileyo.
3 Izinto ezingenakunokuziqwalasela ngaphambi kokuba ukhethe i-Best Mortgage Lender
Ixesha lendawo. Nangona indawo okanye ukufuphi esondeleyo akuyona imfuneko yokukhetha i-best mortgage lender, zama ukuqinisekisa ukuba umnini-mboleko wakho ukhona kwinqanaba lexesha elifanayo njengawe.
Ngethuba lexesha elibalulekileyo lemali kunye nexesha elimisiweyo, kunokuba nzima kakhulu ukuvala indlu yaseCalifornia kunye nekhredithi eseNew York. Kuthetha ukuba umnxeba angeke afinyelele i-arhente yokuvala ngexesha xa ixesha lokunqunyulwa, lithi, ngo-11 ekuseni. Ingathethi, ukuba i-mortgage lenderer yakho ibibiza ngosuku ngomhla we-5 ntambama eNew York kwaye uhlala eLos Angeles, awukwazi ukufikelela kuloo mntu emva kwe-2 ntambama.
Ubume. Abaninzi abakhenkethi be-intanethi baxhamla ngokukhawuleza kunye nokukhawuleza ukuthetha, kodwa esinye isithintelo abaye bajamelana nazo kukuba bachaswa ngabanye abasebenzisa uluhlu. Ngokukodwa ukuba imeko ifuna izibonelelo ezininzi kwaye ungomnye wabathenga abathengela ikhaya elifanayo. Ukuqonda i-arhente ye-listing iyakwazi ukucebisa umthengisi wakhe ukuba athathe umthengi ofanelekileyo. Ileta yokubhaliswa kwangaphambili , umzekelo, ukusuka kwingingqi leyo, eyaziwayo kwaye ethembekileyo yokubolekisa ngemali mboleko inokuthi ithwale ubunzima ngaphezu komboleki wendawo.
Umthengi akufanele aphoqeleke ukuba alahlekelwe yiphupha lakhe ekhaya kuba nje ukuba i-agent yoluhlu ayiqhelekanga nge-non-local mortgage lender, kodwa inokwenzeka kwaye iyenzeka.
Iimvavanyo. Isithintelo sesithathu esinokuthi siqwalasele ngaphambi kokukhetha i-best mortgage lender kukubuza ukuba inkampani izakukhetha njani i-appraiser. Ngaba i-appraiser iya kuba namava amaninzi kummandla apho uphantsi kwepropati yakho? Abaninzi abbolekayo baye bafumana amava amaninzi ngokukhethwa kovavanyo. Awufuni i-appraiser evela kwelinye idolophu ezama ukulinganisa ikhaya lakho kwindawo apho umenzi weefowuni engenalo ulwazi oluncinane okanye amava. Oku kungakhokelela ekuhlaziyweni okuphantsi , kwaye akukho mntu ufuna ukujongana naloo mvawulo, ngokukodwa xa unokuphepheka lula.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.