I-May yakho yokuvala ixhomekeke kwiNqanaba loBugcisa loMthengisi omfutshane wokuThengisa oyikhethayo
Khetha i- arhente yakho yentengiso emfutshane ngokucokisekileyo. Olu hlobo lothungelwano lwezindlu lwezakhiwo luyinkimbinkimbi kakhulu ukuthembela kumveki. Musa ukwenza impazamo yokukhetha i-arhente ukwenza ukuthengiswa kwakho okufutshane nje ngokuba loo mmeli unobungozi bewebhusayithi okanye uthathe iiklasi ezithengisayo ezifutshane.
Ekubeni kuthengiswa okufutshane kwimihlaba ngo-2005, amaninzi amaninzi agqibe ukuqhubela ishishini elifutshane. Iinkampani zokuqeqeshwa kwezindlu zangasese zifuna ukuxhaswa ngokuthengisa okufutshane.
Banikela itoni yeenkqubo zokuqeqesha ii-agent kunye nokwenza iziqinisekiso zabo. Andithi imfundo yimbi kodwa imfundo ayithethi yentengiso emfutshane. I-arhente ayikwazi ukufunda kwiiyure ezingama-3 ukuba ibe yintengiso efutshane. Ngoko ungabi nexhoba lokukhetha i-ejenti yentengiso emfutshane kuphela kwiziqinisekiso ngoba ezo ziqinisekiso zingenanto.
Ngaba Ummeli Wakho Uyakunceda Ukhethe Umthengisi Ofutshane?
Ngamanye amaxesha ndifumana ukuhanjiswa kwamanye ama-agent eSigramento kuba abo baxumi abafuni ukuphatha ukuthengisa okufutshane. Bayazi ukuba ndithengisa ezininzi zokuthengisa ezifutshane kwaye ndizivale, ngoko baziva bekhululekile bebhekisela kubathengisi babo kum. Andiyi kuhlawula loo majelo umrhumo wokudlulisela ngenxa yokuba ndisebenza nzima kunako oko ndikufumanayo. Ngokuqhelekileyo, ababolekisi banqumle umyalelo wam, nabo.
Ukuthengisa okufutshane kunokuba ngamaxesha angama-4 ukuya kuma-5 isixa somsebenzi njengento yokuthengisa rhoqo. Uninzi lwexesha, amanxusa athethayo ayavuya kukuba ndivumile ukuthengisa ukuthengisa okufutshane.
La majelo okudlulisa afuneki imali yokudlulisa ngenxa yokubeka kuqala iimfuno zabaxhasi babo. Abanye baya kuthenga baze bafumane i-yo-yo ekulungele ukuyihlawula, nangona le yo-yo ingazange ivalwe ukuthengisa okufutshane; ngoko igosa elibhekisayo lingaze lihlawulwe. Unokufuna ukucela i-arhente yakho ukuba kukho imali yokudluliselwa ebandakanyekayo kwaye ucinge kabini malunga nokukhetha i-arhente esithengayo.
Ziyiphi iViliyo efanelekileyo ekufuneka i-Agent Sale Sale?
Amava yinto ehlekisayo. I-arhente ingaba neminyaka eyi-10 kwishishini, kodwa ihlehla ukuya kumaxesha angama-10 kuphela xa ingazange ivaliwe kakhulu. Mhlawumbi ummeli weminyaka eyi-10 uvale enye kuphela okanye intsebenziswano ezimbini ngonyaka. Unokukhetha i-arhente yokuthengisa emfutshane eneminyaka emi-5 kuphela yamava kodwa mhlawumbi ivaliwe ukuthengisa okufutshane, kwaye ube ngcono.
Ngaphambi kokuba ukhethe i-arhente emfutshane yokuthengisa, cela malunga nerekhodi yomkhondo we-ejenti. Nazi iisampuli imibuzo:
- Uneminyaka emininzi uthengisa ukuthengisa okufutshane?
Kancinci, unqwenela i-arhente eneminyaka engama-3 yamava kodwa mhlawumbi ngaphezulu. Amava ngumfundisi ukuba akukho myalelo weklasini okanye i-intanethi ye-intanethi yokuthengisa emfutshane. Amava afundisa i-agent imivalo kunye nendlela yokulindela iingxaki ezinokuthi ziphephe. Kungcono kuwe ukuba i-arhente inamava kwintengiso ngaphandle kwempahla emfutshane.
- Zingaphi iintengiso ezimfutshane ozivalile?
Khawucinge nje ngolwazi lwegosa elifutshane elithengisayo elivalile ukuthengisa okufutshane kwe-100, 500 okanye ngaphezulu. Abo baxhamli banokuba sele bephethe iiphakheji ezithengiswayo ezincinci ukusuka kwiibhanki ezisezantsi kwaye bazi ukuba ibhanki nganye isebenza njani. Ezi zithunywa zineendawo ezikhoyo ezinokuthi zihlengahlengise inkqubo yokuthengisa emfutshane kodwa nazo zinakho ukunika ingqalelo ingqalelo.
- Ngaba ubona naziphi iiflegi ezibomvu zokuthengisa kwam okufutshane?
I-ejenti yentengiso emfutshane eye yajikeleza ibloko iyazazi iintlobo zezinto zokulumkisa umthengisi malunga. Ngoxa i-arhente ayikwazi ukunika iingcebiso zomthetho okanye zerhafu kuba ilayisenisi ye-arhente ayivumeli ukuchazwa okunjalo, i-arhente kufuneka ibe nolwazi ngokwaneleyo nemiphumo yomthetho kunye neyerhafu ukubonisa iingxaki ezinokuthi ndikuxelele ukuba ziphi iimpendulo.
- Yintoni eye yirekhodi lomgca webhange lakho nawe?
Ukusebenza kwangaphambili akukho isiqinisekiso sokuthi uza kufumana impendulo efanayo ukusuka kwibhankini, kodwa isalathisi. Ngokomzekelo, ukuthengiswa okufutshane kweWachovia kukho konke ukuthengiswa kwephupha lommeli. Enyanisweni, ukuba yonke intengiso emfutshane yayiyithengiso elincinci leWachovia, ama-agents asezantsi athengisa beza kusela i-champagne yonke imihla.
- Ngubani oza kuxoxisana naye ngentengiso emfutshane?
Izandla ezantsi, amagosa angcono ekuxoxisana. Kodwa ngokuqhelekileyo uya kuhlawula ummeli imali ehlukile. Ukuba ufuna i-arhente yakho yokuthengisa emfutshane ukusingatha uxoxiswano, fumana ukuba i-arhente yakho isetyenziselwa ukuxoxisana nomthengisi wesithathu. Abaninzi abathengisi bezithathu zindlu zokugaya ezibizwa ngokuba yi-loss mitigators eziphatha amaninzi eefayile kwaye, eneneni, abanako ukuvunyelwa ukuba benze njalo.
- Kuza kube nini ukuthengisa kwam okufutshane ukuvala?
Oku kudla ngokuba ngumbuzo wama-64,000. Ezinye iibhanki kulula ukuqikelela kwaye ezinye azikho. I-Aurora ingahle ivale ukuthengisa okufutshane kwiiveki ezingama-6 kwinxalenye yokuqala yonyaka kodwa iwele kwiintsuku ezingama-120 ngomnyaka wokuphela. Kodwa i-arhente exakekile yokuvala ukuthengisa okufutshane kunye ne-Aurora iya kuba nokulinganisela okuhle kwexesha.
Ngexesha lokubhala, u-Elizabeth Weintraub, uBRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.