Iingcebiso zokuthengisa ekhaya: Musa ukuba yi-penny ehlakaniphile uze uphawule ubuwula
Esi siganeko sitsho ukuba abathengisi abaninzi abazi ukuba lukhulu kangakanani ikhaya labo okanye nokuba baninzi kangakanani.
Ukuba abazazi ezi zinto zibini ezibalulekileyo, basenokungazi indlela yokugcina imali xa bethengisa. Kukho iindlela ezininzi zokungalahlekelwa yimali xa uthengisa ikhaya.
Ukuhlawula ummeli woLwazi oluLwazi
Andikwazi ukugxininisa ngokwaneleyo ukuba kubaluleke kangakanani ukuqesha i- arhente eluhlu lokunceda ukucima yonke i-dime ekhoyo ekuthengiseni loo ndlu. Ngamanye amaxesha abathengisi bafuna ukuqesha abameli abahlawulisa amakhomishana aphantsi ukugcina imali, kwaye oko kudla kakubi. Yithi umehluko phakathi kwee-agent zepesenti enye yepesenti yentengo yokuthengisa. Ukuba igosa elinamava elikunikezela ngokuthengisa kunye neenkonzo ezingcono zentlawulo enye ipesenti ngaphezu komncintiswano kodwa ikulethe ipesenti ezili-10 kwinzuzo, uya phambili. Unokuba ulahlekelwe yimali xa uqesha i-ejenti engabizi enikezela ngaphantsi.
Ixabiso lakho kwikhaya lakho kunene
Xa ixesha lakho ixesha elide lihlala kwiimarike, akukho nto ilungele ngayo kumthengi amehlo. Musa ukuvavanya imarike okanye unokuphelisa imali.
Ukuba uthengisa ikhaya ngokuhambelana nokuthengiswa okuthelekisayo, uya kufumana abathengi abanomdla okwaneleyo ukuwubona. Nazi izinto ezimbalwa zokukunceda ukuba ungalahlekelwa yimali:
- Thelekisa amaxabiso athengisa amakhaya kwiinyanga ezintathu ezidlulileyo kunye namakhaya asemakethe. Ngaba amaxabiso aya kunyuka okanye ahla? Ngubani okhuphiswano lwakho? Ukuba wawungumthengi, yiyiphi indlu oyithenga ngayo? Cinga ngamanani abathengi abone kwaye axabise ikhaya lakho ngokufanelekileyo, kodwa gcina intlawulo ngokuhambelana nokuthengiswa kweentengiso.
- Buza ibhanki yakho ngenani lemfuno . Oku kuya kukunika umvuzo ochanileyo. Awukwazi ukusebenzisa ibhalansi engakhokhelwa kwisitatimende sakho sokubanjiswa kwemali ngenxa yokuba ayibandakanyi inzala okanye umrhumo wokubuyisana , iintlawulo zetambo okanye izigwebo zokuhlawulwa kwangaphambili. Mthabathe le mali kunye neentsuku ezingama-30 zomdla ukufumanisa ukulingana okukhulu.
- Ukutyelela izindlu zivule indlu yakho. Khangela iindlela. Qaphela ukuba yintoni enye eyenza ikhaya elinye likhangele ngaphezu kwelinye. Ukuba unako ukuqhuba umkhweli kumthengi, umthengi uya kwenza isigqibo somoya, kungekhona isisombululo esinqununu okanye esingabizi. Kwaye oko kunokubangela imali eninzi kuwe.
Lungiselela ikhaya lakho ukuthengiswa
Kungadla imali encinci ukuze ulungele ikhaya lakho kwiimarike, kodwa ukubuyela kufuneka kukhulu kakhulu kwiindleko. Umthengi osandul 'umva wabasebenzi bezakhono zamashishini abaqashiweyo kunye nokuphuculwa kwezinto ezininzi zekhaya. Kwakungenasici ukusuka phezulu ukuya ngasezantsi kwaye kuthengiswa ngentengo yoluhlu ngolunye usuku.
- Unokulungiselela ikhaya lakho ukuthengiswa kwisabelomali . Beka bucala imali enokukwazi ukuyilungisa kunye nokuvelisa indawo. Buza i-arhente yakho kukunceda ubone ukuba yiziphi izinto zokuphucula ekhaya ukujongana nazo.
- Musa ukusebenzisa imali eninzi kwindawo yokuhlambela. Uninzi lwabathengi bagxotha iintloko zabo kwaye abachithi naliphi ixesha ngexesha lokuhlambela. Kodwa gcina igumbi licoceke kakhulu. Thenga amathuwa ezandla ezitsha kunye neetyibhoni zomtya ezizungezile. Ukuba igumbi lingumbala omnyama, yipende ibe mhlophe.
- Ukuba awukwazi ukufumana imali yokuqesha indlu yasekhaya, thengela iincwadi ekugxileni indlu ngeengcebiso. Kwakhona, i-agent yakho ye-estate ingakunceda nge- home stage . Iingcebiso ezifanelekileyo kakhulu ukucoca malunga neepesenti ezingama-50 zefenitshala kwiindawo zonke.
Ukuhlawula iiNtlawulo kwiContrakthi yokuThengisa
Ukungcwaba kwiphepha kwi-10 ukuya kwe-20-page-offer offer will be a list of fees and buyers will pay. Ukongeza, umthengi angacela iirekhodi zokuhlola ezongezelelweyo okanye nokuba ngumthengisi wemvume ekupheleni kweendleko zokuvala. Zonke ezi ndleko zihlawulelana . Ukuba umthengi ucela iipesenti ezi-3 kwiindleko zokuvala, cinga ukwandisa intengo yokuthengisa ukuhlawula.
- Xa kufika ixesha lokuphendula kwisibonelelo, thethana nemirhumo. Nangona ukuba isiko kumthengisi ukuhlawula iintlawulo ezithile kwindawo yakho, unokuhlala uhlawula umthengi ukuba ahlawule kwi- counter counter .
- Ukuba unako ukuhamba nalo, ungavumelani ngokuzenzekelayo ukuhlawula iwaranti yesikolo somthengi. Ukuba umthengi ecela iingxelo ezithile ezifana neengxelo ezihlaziyiweyo okanye ukuhlolwa kwephahla, faka ikhefu kwiindleko zokulungisa ezifana nengxelo enokukunyanzela ukuba uyihlawule.
- Vala ngasekuqaleni kwenyanga kunokuphela kwenyanga ukugcina imali kwiintlawulo zenzalo. Imali-mboleko ye-FHA ayibandakanyiweyo kulo mkhuba.
Ekugqibeleni, ukuba unako ukukwazi ukuthengisa ikhaya lakho, musa. Gwema ukuvala i-inventory kunye nekhaya elithe xaxa elingathengisi. Endaweni yoko, lindela imarike ukufumana amaphupha akho ngaphambi kokubeka ikhaya lakho kwimarike.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.