Ngaba Unako Ukufumana I-Best Deal Through Bidding Bidding?
Uninzi lwabathengi abazami ukuzithengela ikhaya nge-intanethi. Nangona kunjalo, ngokukhawuleza okanye kamva uya kuhamba nge-intanethi kwintengiso xa kuthengwa ekhaya. Unokukhangela amakhaya e-intanethi uze ufumane ikhaya eligqibeleleyo elinokuprinta okuncinci okuthi ukuthengiswa kuncike kwintengiso. Ngokukhawuleza, kubuza imibuzo. Kuthetha ukuthini, ukuthenga ikhaya ngeyunivesithi? Ngaba kufuneka uhlawule imali? Ukuthenga ibhanki kuyasebenza njani?
Ngaba ungalahlekelwa yi-deposit yakho?
Iindawo zokuThengisa iiNtshonalanga kwiNdawo zivela phi?
Inkqubo ye-intanethi ye-intanethi ihluke kwi-bidding yekhaya kwiimigangatho zamatyala ngokusebenzisa ukuthengiswa kwetrasti okanye ukuthengiswa kwe-sheriff. Ukuqala, ibhidi lwenziwa ngewebhu. Yonke ikhompyutha. Ngaphezulu, ngokuchasene nombono oqhelekileyo, akuyiyo yonke indlu edayiswa ngeyontengiso kwi-intanethi. Amanye amakhaya athengisa ukuthengisa. Abanye bangathengiswa yibhanki njengekhaya lebhanki . Unokufumana iiwebhsayithi apho abatyali-mali bekhupha amakhaya athe athengwa kuwo kwiibhanki ezithile, ngokubanzi njengento yokupakishwa kwemakhaya, eyaziwayo njengokuthengwa ngobuninzi, ngoku bafuna ukufumana iindawo eziphezulu kunye nezilungelelaniso kwizindlu nganye.
Ininzi yamakhaya iyintengiso edityanisiweyo kodwa akuyiyo yonke indlu ephakanyisiweyo yintengiso. Amakhaya anomnini-mali-mali angathatyathwa kwaye alungele ukuthengisa njengendlu. Amakhaya athabileyo adla ukubonisa upende wesoxesha, ukuhlaziywa kwezinto eziphuculweyo, izinto zokubala zamatye kunye nezixhobo ezintsha, zonke ezo zenza ukuba le mizi ibuyeke ngokukhawuleza kumthengi wexesha lokuqala.
Ixabiso lokuVulwa kweeNkcitho kwiKhaya lokuThengwa kunye neRhafu yokuThengisa
Kunjenge-barker kwi-circus yelizwe, intengiso ye-intanethi yenzelwe ukutsala ingqalelo yakho. Akunjalo imali yokuthengisa uya kuhlawula kwaye unokuba nolwalamano oluncinane nexabiso langempela lemarike . Ixabiso lentengo eliqikelelweyo lingaba ngama-50 ekhulwini ukuya kwi-75 ekhulwini yemali umthengisi enethemba lokufumana.
Yisiqalo sokuthunyelwa kwintengiso. Ngokuqhelekileyo liphantsi kunokuba umthengisi athathe.
Iiwebhusayithi ezininzi zeendandisi ziya kufaka ixabiso lentengo eqikelelweyo. Ukufumana ubungakanani bokwenene, kuya kufuneka uhlolisise ukuthengisa okufana . Le yintengo yokuthengisa yamakhaya afanayo asandulisayo. Ezi akuzona ixabiso lokuthengiswa kwamakhaya athengiswayo-kuba abathengisi banokubuza nayiphi na intengo abayifunayo, akuthethi ukuba ikhaya liya kuthengisa ngexabiso elibuzayo. Intengo yokugqibela yokuthengiswa kweentengiso ezivaliweyo kwiinyanga ezimbalwa ezedlule ukuthengiswa okuthelekisayo.
I-bidding ngokuqhelekileyo iza kuqala kwixabiso lokubiza kwaye ihambe. Unokwazi ukujonga amaxabiso anikezelwa ngexesha lokubiza. Uninzi lwabathengisi ligcina imfihlo yeholide yokugcina. Ukuba ixabiso lokugcina linganikiweyo, umthengisi akadingeki ukuba athengise.
Ngokomzekelo, umthengisi angenise uluhlu lwezindlu olufanele u-400,000 kwi-website ye-yeeyunivesithi kwintengo ekhangayo efana ne-$ 200,000 yebhidi yokuvula. Umthengi A angabiza i $ 200,000. Umthengi B unokunyusa i $ 225,000. Umthengi A unokunyusa ibhanti yakhe yokuqala kuma-235,000. Ukuba ixabiso lokungabonakali lithengiswa li-$ 375,000, le ndlu ayiyi kuthengisa kuyo nayiphi na yabathengi, kwaye i-intengiso ayiyi kugqitywa-ebantwini abathile kubonakala ngathi bahlula iinjongo.
Iimali zeeNkxaso kwiNdwendwe ye-Intanethi
Umthengi onokubhengeza umnxeba wabelane ngokungafuni ukuza kubakho kwikhaya ngokusebenzisa inkampani yintengiso ye-intanethi kuba wafunda kwindawo ethile kwi-intanethi ukuba umthengi walahlekelwa imali yakhe , ukuze umthengi abe nexhala. Oko akukwenzeka ngokwenene. Okokuqala, abathengi bavame ukulahlekelwa imali ngaphandle kokuba inkampani iphosakele kodwa ngenxa yokuba umthengi akaqondi kakuhle imithetho okanye ahluleki ukwenza. Qaphela ukuba xa isibonelelo sakho samkelekile, idiphozithi yakho yemali ingqongophe xa usenza isigqibo sokuba ukhansele.
Uninzi lweewebsite zeeyunivesithi, kuquka i-HomePath yakwaT Fannie Mae, zithengisa amakhaya abo njenge-As imeko, oku kuthetha ukuba ngokubanzi awukwazi ukuphinde uphinde uxoxe ngexabiso ngoba ufumene i-defect okanye ufumene into engalunganga ngayo indlu.
Isinyathelo sakho sokuqala kukuseka i-akhawunti kwiwebhusayithi, enokubandakanya ukubonelela ngenani lekhadi lakho lekhredithi ngenkokhelo yemali.
Qinisekisa ukuba ngaba unokufumana inkxaso-mali, njengoko iindawo ezininzi zintengiso zivumela ukuxhaswa kwemali, kwaye uthetha nomboleki ngaphambi kokufaka ibhidi ukuqinisekisa ukuba unokufumana umboleko.
Kwiwebhusayithi zeeyunivesithi, unokwazi ukubukela ibhidi. Ibhidi yokuqala iya kuqalisa inkqubo. Kukho ubuncinane ubuncinane malunga neemfuno zebhanki ezalandelayo, ezibizwa ngokuba yi-bidsal bids. Ukuba ukongezwa kumiselwe, umzekelo, kwi-$ 10,000, kuthetha ukuba i-bid yokuqala ibingama-100,000, i-bhidi yesibini kunye neyayilandelayo kufuneka yonyuswe ubuncinane nge-$ 10,000, ngoko ke isibonelelo sesibini se-$ 100,001 asiyi kwamkeleka. Ngaphantsi kwesi simo, ibhidi yesibini kufuneka ubuncinane i-$ 110,000 kunye nentlawulo yesithathu ibekwe kwi-$ 120,000, njalo njalo.
Iintengiso zeMpahla ezifutshane
Ukuba ikhaya leyunivesithi lithengiswa ngokufutshane , khumbula ukuba umthengisi usenokuba wamkela isipho kwaye ngoku ulindele ukuvunywa kwebhanki. Ibhanki, ngokubhekiselele, inokukhetha ukhetho lokubeka ikhaya lezentengiso ukuze uzame ukufumana isibonelelo esiphezulu kwiwebsite yintengiso ye-intanethi. Olu hlobo lweentengiso luvumelekile yibhanki kuba ibhanki inelungelo lokufumana intengo ephezulu kwaye, ngokuthengiswa okufutshane, ibhanki imisela imithetho, nangona ibhanki ingenaye ikhaya.
Ezinye iiwebhusayithi ezifana ne-Auction.com zifuna ukuba abathengi bahlawule i-premium yeepesenti e-5 ngaphezulu kwexabiso lokuthengisa, yile ndlela ukuthengisa okufutshane kukuthengisa ngayo ixabiso elidlula ixabiso lentengiso. Ngenxa yalesi sizathu, umthengi osayine isivumelwano sokuthengisa sokuqala angathi aphumelele ekhaya ngaphandle kwebhidi. Unokuthi ucele i-arhente yakho ukuba ifumene ukuba kukho umthengi okhoyo nge- MLS osele phantsi kwesivumelwano.
Icebo: Ukuba usebenza kunye ne- agent ye-estate , ungase ucele i-agent yakho ukuba ikuncede ukuthenga ikhaya ngokusebenzisa inkampani yintengiso ye-intanethi, ingakumbi kuba i-agent ihlawulwa ngumthengisi.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.