Ibinzana elithi "ukuchithwa kwexabiso elincinci" linxulumene, kodwa ungayifumana i-bargains
Xa ubukela iindaba zeendaba zeTV ezibonisa ukuba ukuvalelwa kwangaphambili okanye ukufunda iincwadi zezihloko ukuba ukukhutshwa kwezinto zokucima ukucima, kuyaqhelekile ukuba usufikelele kwisigqibo sokuba amabhanki aphelelwe yithemba.
Abantu bavame ukukholelwa ukuba iibhanki ziyakwenza nantoni na ukuyikhulula ukukhutshelwa kwexesha, kuquka ukuvumela ukuba uthenge iimpahla ezingama-50 ekhulwini zexabiso lawo okanye ngaphantsi. Akunjalo, kwiimeko ezininzi.
Kutheni ixabiso leNgqobhoko lingabonakala lingabizi
Unokuthenga ukuchithwa ngokubanzi kuncinci kunokuba ibhalansi yesikhokelo sokuqala, ngokukodwa kwimakethe eyanciphayo. Kodwa oko akuthethi ukuba ibhanki izathengisa ipropati ngaphantsi kwexabiso lentengiso. Ixabiso lentengiso lingaba ngama-50 ekhulwini ngaphantsi kwexesha lokugqibela ikhaya elithengiswayo, kodwa loo xabiso yokukhusela liya kubonisa ixabiso lezindlu ezikujikelezile, iindleko zokulungisa izinto ezincinci.
Ukuba ubona ukugqithiswa kokupapashwa kwi-MLS, kwindleko yemarike kwimeko yayo kunye nendawo. Akunjalo ukweba. Kodwa ingqiqo yokuba ukugqithiswa "ukuba" kuyaqhubeka, kungakhathaliseki. Mhlawumbi kuba kukho ezinye izinto ezingekho kumgaqo.
Kuphi ukufumana ukuchithwa kwexabiso elingabizi ukuthenga
Ndihlala ndifumana iifowuni ezivela kubatyalomali ndicela ukuba ndizithengise ukuthengiswa kwempahla engancinci, kwaye inyaniso ayifumaneki ukufumana uluhlu olunjalo kwiNkonzo yeeNkcukacha ezininzi (MLS) .
Njalo rhoqo, ukuba unethamsanqa kwaye ukhawuleza ukubhalela umnikelo, unokukwazi ukuthenga ukuchithwa kwexesha elincinane phantsi kokuthengisa okuthelekiswayo. Kodwa i-bargain-basement amadili angabonakali kwi-MLS. Ewe, zikhona, kodwa azinakwenzeka.
Kungenxa yokuba iibhanki, njengaye nawuphi na umthengisi, ufuna ukwenza imali eninzi ngokunokwenzeka.
Baqesha abameli bezindlu ukuba bahlele ukuqikelelwa kwexabiso kwaye baxelele ukuba bangafumana phi. I-arhente ithatha imeko yekhaya ukuqwalasela kwaye ibeka ixabiso. Emva koko ezinye izithunywa kwiMLS zikhuphisana ukuthenga loo ndlu kubathengi.
Xa abathengi bekhuphisana, izibonelelo ezininzi ziphumo. Izibonelelo ezininzi zivame ukuqhuba ixabiso. Ukufumana ukuchithwa kwexabiso elingancinci, abathengi kufuneka banciphise ukhuphiswano lolo lwazi. Nazi ezinye iindawo ezintathu zokujonga izinto ezincinci.
Thenga ukuthungulwa okuncinci kwintengiso yomphathiswa okanye kwintengiso.
Unokufumana izaziso zentengiso kwi-intanethi nakwiimaphephandaba zendawo. Kukho inani lewebhusayithi ezithumela ulwazi kwiintengiso, kwaye ezinye ezifana neRadio Radar zinokunikela ngesilingo seentsuku ezingama-30.
Uhlala ukhokhela imali kwiivenkile zikawonkewonke kwaye uthenge ikhaya "njengalo" . Abathengi be-Smart bahlawula inkampani yenkampani ekwenzeni uphando lokuqala ngaphambi kokuba ibhidi. Ukuba kukho izibambiso ezinjengeentlawulo, i-delinquent homeowners association (HOA) okanye iimali-mboleko eziphezulu, ezo zingxowa zihlala ekhaya.
Kuya kuba noorhki kunye nenzuzo kwizontengiso zomntu, kwaye mhlawumbi baya kuwina indlu, kungekhona wena.
Thenga ukuthungulwa okuncinci kwintengiso ye-intanethi yangasese.
Izindlu zentengiso zivame ukuvakalisa kumaphephandaba nakwi-Intanethi.
Aba bathengisi bahamba ngeenxa zonke ilizwe bephethe ivenkile kwiehotele. Indlu yangasese yangasese iya kukuvumela ukuba ufumane inkxaso-mali ukuthenga ukuchithwa okuncinci. Ungakwazi kwakhona ukuzisa i -ejenti yomthengi ukukumela.
Ezinye iinkampani zentengiso ziza kukuvumela ukuba uhlole i-foreclosures ngaphambi kokuthengisa. Kodwa kufuneka ulungele ukubeka umda kwaye uqaphele ukuba ungathathi umonakalo owenziwe ngexesha lokubiza. Ngaphandle koko, ungazihlawulisa ngokugqithisileyo. Ezinye iintengiso ze-intanethi zihlawulisa i-premium yepesenti ukuthenga.
Thengisa i-foreclosure esincinci ngqo kwi-bhanki.
Indlela engcono kakhulu yokuphelisa uninzi lwabathengi abakhuphisanayo ukuchithwa kwexabiso elingancinci kukuqhagamshelana nebhanki ngqo. Iibhanki zihlala zikulungele ukunika ikhefu kwixabiso xa umthengi / umtyalomali uthenga ngaphezu kwekhaya elilodwa kwiphakheji yokuthenga ngobuninzi.
Yintoni oza kuyifumana kaninzi kunokuba ibhanki ayifuni ukukuthengisa. Ukuba ikhaya alikho kwiimarike, kodwa libanjelwe ibhanki, mhlawumbi kuba kukho inzuzo yentela ebhankini ukuba ungayithengisi.
Ezinye iibhanki zigcina uluhlu lwezindlu zokuqhawula kwi-intanethi ezifumaneka ukuthenga. Abathengi banokukhangela iSebe leZindlu leZindlu ze-HUD (HUD) kwi-website yezindlu ze-HUD.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.