Ukuzisola kuyinto eqhelekileyo xa kuthengwa kwasekhaya
Awuzange ucinge ukuba ukuzisola komthengi kuya kwenzeka kuwe de kube njalo. Uthande ikhaya lakho elizayo xa usayine isivumelwano sokuthenga, kodwa ngoku awuqinisekanga ukuba wenze isigqibo esifanelekileyo. Ngokungaqiniseki kangako. Kuyaphazamiseka. Kuthekani ukuba wenza ngokukhawuleza kwaye indlu engcono ifike kwiimarike kwiveki ezayo? Kuthekani ukuba uhlawule kakhulu indlu? Kuthekani ukuba kukho into eyenzekayo kwiimali zakho kwaye awukwazi ukwenza iintlawulo zendlu yakho?
Kukho ikhulu lemibuzo eya kuphelela ngengqondo yakho ngexesha elikhokelela ekuvaleni, umhla oba ngumnikazi wekhaya. Uninzi lwemibuzo iya kuba yilapho elula ephendulwayo, kodwa ngamanye amaxesha ukungaqiniseki kungena kuyo, kukuqhube ukuphosa kwaye kukuqiniseke ukuba ufuna ukuqhubeka nokuthenga. Ngaphandle kokuba kukho isizathu esiyiyo sokukhathazeka, isimo sakho sengqondo sinokuba ngumzekelo oqhelekileyo weNkohlakalo yoMthengi weKhaya .
Indlu yinto eninzi kakhulu into esayithenga ngayo kwaye sonke sifuna ukuqinisekisa ukuba sithenge "okulungileyo". Thatha la ma nyathelo ukuchonga ukuba ukungaqiniseki kwakho kukuzisola komthengi okanye uphawu lokuba kukho ingxaki yangempela ekhaya. Ewe, ukuba kukho inkathazo yangempela kwaye ayikwazi ukusombululwa, ngoko unyanzelekile ukuba ukhansele isivumelwano .
Ngaphambi kokuba ufikelele esi sigqibo, kunjalo, makhe sihlolisise isigqibo sakho sokuqala. Kufuneka uqiniseke ukuba akusiyo imeko yokukhupha iinyawo ezibandayo .
Fumana uluhlu lwezinto ozenzayo kunye nezidingo zakho
Mhlawumbi uhlakulele uluhlu lwezinto ezifunayo kunye neemfuno ngaphambi kokuthenga indlu. Fumana kwaye ubuyekeze amanqaku akho.
- Ingaba ikhaya liquka izinto ezibalulekileyo kunoluhlu?
- Ziziphi iimpawu ezenza indlu oyikhethile ivela kwabanye obujongayo?
- Ekuqaleni, ngaba ufumene izindlu ezininzi ezidibene neemfuno zakho okanye ngaba le nto yayingekho?
- Ukuba unako ukubuyela ngaphandle kwesivumelwano, ngaba kunengqiqo ukucinga ukuba uya kufumana indlu "engcono?"
- Yintoni ekhethekileyo ngendlu nje ezimbalwa iintsuku ezidlulileyo kwaye yatshintshile njani- yatshintshile ?
Ukuhlalutya iinyaniso ezikhokelela ekhaya kuya kukunceda ulungise iimvakalelo zakho malunga nekhontrakthi yokuthenga . Ngaba ngaba ukhetho oluhle okanye ngaba uya kuba neengxaki zokuqhubela phambili nasiphi na indlu?
4 Iimpawu eziza kuzisa ukuzisola komthengi
Ukuzisola ngamanye amaxesha kukukhaba emva kokuba siqale ukuthetha nabanye ngendlu entsha.
Iingxoxo kunye nosapho kunye nabahlobo.
Ngokuqhelekileyo bathetha kakuhle, kodwa akuqhelekanga ukuba intsapho kunye nabahlobo bakho bacele ukukhetha umbuzo wakho kunye nento oyihlawulele yona, ingakumbi xa kuthengwa kwakho kwasekuqaleni kwaye zineenkqubo ezifanelekileyo.
Kodwa ngaba bayazi i-market? Kusenokuba iminyaka ukususela ekuthengeni ipropati ngokwabo, kwaye ukuba ngaba kunjalo, mhlawumbi abanxibelelwano nexabiso langoku. Basenokuhlala kwelinye inxalenye yelizwe, kwindawo apho izindleko zezindlu zincinci yento enokuyilindela ukuyihlawula kwindawo yakho. Kwaye simelane naloo nto, abazali abanqabile ukuba bacinga ukuba indlu "iyanelisekile" kubantwana babo. Awukwazi ukuthelekisa indlela abazali bakho bathenge ngayo ikhaya leminyaka edlulileyo kunye nekhaya lakho namhlanje.
Ukuqhubeka nokujonga izindlu.
Impazamo enkulu. Yeka ukujonga ezinye iindlu ngaphandle kokuba uzive ukuba isivumelwano sinelihle elihle lokuwahlukana (awuqinisekanga ukuba uvavanyo luza kuyaneliseka, ucinga ukuba ukuhlolwa kwekhaya kungafumanisa izinto ezinzulu zokulungisa, njl.).
Abameli bezindlu ezingenasiphelo.
Ezinye iisithunywa azikhokeli abo bathengi ngokusebenzisa inkqubo yokuvala. Imibuzo kunye namathandabuzo aphakanyisiweyo kunye nee-agents azizungeze ukunika iimpendulo kunye nokuqinisekisa abo bathengi ukuba oko bakuvakalelwa kuyinto evamile. Imibuzo engaphendulwayo ingafaka abathengi kwimodi yokutya, ingakumbi xa ikhaya labo lokuqala. I-panic ibangela ukungathandabuzeki-kwaye ekugqibeleni umthengi uyazisola.
Xhagamshelana ne-arhente yakho kunye nabanye abandakanyekayo ekuvaleni kwakho xa unombuzo. Nguwo msebenzi ukukunceda.
Zakho zokungabaza.
Akukho nto ebomini eqinisekile, kwaye sihlala sicinga malunga nokungaqiniseki nangakumbi xa senza izibophelelo ezibalulekileyo, siphila kwizinto ezimbi-ukuba ngaba kunokujonga iinjongo.
Xa Izixhala Zenu Zichanekile
Kukho amaxesha athengiweyo kufuneka anqunywe. Imimiselo yesivumelwano sakho kufuneka ikuvumele ukuba uphume ngaphandle ngaphandle kwezohlwayo ukuba:
- Awukwazi ukufumana imali.
- Indlu ayifaki kwixabiso okanye ngaphezulu kwexabiso lentengo yeentengiso.
- Ukuhlolwa kwekhaya kukufumanisa izinto ezininzi zokulungisa kunokuba uzilungele ukuthatha.
- Imida yomda wepropati ayimelwe umthengisi.
- Uphando lwephepha luchaza i-easements engachazwanga enika omnye umntu ilungelo lokusebenzisa le propati.
- Ukukhangela itayitile kubonisa izibhengezo ezingachazwanga ezingayizaneliswa ekuvaleni.
- Kukho iingxaki ngezenzo. Ngokomzekelo, umfazi womntu owayengumnikazi akazange akhululwe amalungelo akhe kwipropati.
Ezi (kunye nezinye iingxaki ezinzulu) yimiba enokufuneka isombululwe ngaphambi kokuba uthenge ipropati.
Izabelo zeNtswana kunye neCondos
Khangela imigaqo yelizwe ukuba uxolo uthe uthenge i-share-time share or condo. Amaninzi amaninzi anika abathengi ilungelo lokurhoxisa isivumelwano xa benentsingiselo yentliziyo emva kokusayina isivumelwano sokuthengwa kunye nomvelisi wokuqala-imimiselo (ngokuqhelekileyo) ayigubungele iiyunithi zokubuyisela.
Amagatya okukhansela
Izigatshana zokukhansela ezinye iintengo ezinokusetyenziswa kwindawo yakho-cela i-agent yakho ngaphambi kokuba usayine isithembiso sokuthenga ikhaya.
Zizilungiselele Ngexesha Elide
Into engcono kakhulu ongayenza kukuba uqaphele ukuba ukuzisola komthengi wekhaya kuyinto eqhelekileyo. Ukuqonda ukuba kutheni ukuzisola komthengi kwenzeka kukunceda ukukulungiselela ngaphambi kwexesha kwaye usebenze ngokukhawuleza ukuba kwenzeka.
Ehleliwe ngu-Elizabeth Weintraub, iThengi lokuThengwa kweNdlu
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.