Ingakanani Imali Yakho Yentengiso Efutshane?
Ukuhlawula intengiso emfutshane ngokufanelekileyo kukubandakanya ukuchonga umdaniso obunqamlekileyo phakathi kokuzisa isipho kunye nokufumana ibhanki ukuthenga kuloo mboniso.
Ngaphezu koko, ukuba iSaziso seMeko esiPhezulu sifakiwe, ixesha liyinto engundoqo. Ngaloo ndlela, kukho iintsuku ezininzi kakhulu ezishiye kwikhalenda ngaphambi kokuba umthengisi omthengisi omfutshane angalahlekelwa yikhaya ekukhuselweni.
Ixabiso aliyiphuthayo, kwaye ikhaya liyafa kwi-bhanki. Esi esinye sezizathu ezininzi zokuba kubalulekile ukuba kuqeshwe i- arhente yoluhlu olutshishino olufutshane . Ixabiso elithengiswayo elifutshane kufuneka likhangele kule mibutho emihlanu elandelayo:
- Ibhanki elithengisayo elifutshane.
Ngenxa yokuba ukuthengisa okufutshane kunokuthatha ubuncinci beenyanga ezi-3 ukuvala ukususela ekuqaleni, ixabiso kufuneka lisekelwe ekuthengiseni ukuthengisa , okuya kuba yintengiso efana nokuvalwa. Amabhanki aya kuvuma ixabiso elinikeziweyo ngexabiso lokuthengisa . Ibhanki iya kuqesha i-arhente ezizimeleyo ukuvavanya ixabiso elisekelwe kumakhaya azungezile.
- Umthengi.
Abathengi abafutshane bathengisa ukuthenga phantsi kweemarike; bafuna into enhle. Ngaphandle koko, abathengi abanomncinci wokulinda iintsuku ezingama-90 okanye ngaphezulu ukuthengisa okufutshane ukuvala. Abathengisi baya kubamba isohlo lomthengi ukuba ikhaya lixabiso ngaphantsi kokhuphiswano. Kodwa ixabiso elincinci alinakwamkelwa yibhanki elifutshane. Amabhanki awanamkeli ukunikezelwa kwe-lowball, kungakhathaliseki ukuba umthengi angathemba.
- I-Agent's Agent.
Ukuthengisa okufutshane kukuthethi kuluhlu lweentengiso ezithandwa ngumthengi . Iintengiso zamaqumrhu ngokubanzi zifumana ikhomishana ephantsi malunga nokuthengisa okufutshane, amaxesha athatha ixesha elide ukuvala kwaye ngamanye amaxesha akavali nhlobo. Ukufakwa uluhlu lwezenzibizo kufuneka kuqinisekiswe ukuba i-ejenti yomthengi ixabise ixesha elityalomali. Kwaye ixabiso lisafuneka ukuba liqikelele. Amanye ama-agent yomthengi angayazi kakuhle uya kumxelela umthengi ukuba angene kwixabiso lebhola eliphantsi, kodwa ezo zivaliwe ukuvala.
- Umthengi weLender
Umthengi nomthengisi bangafika kwixabiso elivunyelweneyo, kodwa umboleki-mboleki uya kuqesha ummeli wakhe ukuba aqinisekise inani leemarike . Oku kuthetha ukuba ikhaya liya kufuneka lilandele ngokuhambelana nokuthengisa okuthelekiswayo . Ixabiso eliphantsi kakhulu lisoloko liyingxaki. Kodwa ukuba ixabiso liphezulu kakhulu, aliyi kuluhlula, nokuba ngaba umthengi uya kufuneka ahambe umdahluko ngemali okanye ukuthengiswa okulindelekileyo kuya kuqhuma. Ukuba i-appraisal ifika ephantsi, iya kufuna i-letter evunyelweyo yokuthengiswa kwefutshane kwibhanki elifutshane, kwaye akuyiyo yonke ibhanki iya kuvuma ukunciphisa ixabiso kwixabiso elitsha elisezantsi.
- Umthengisi.
Ezinye iintlobo zentengiso efutshane ziphantsi kokugwetywa kweentlawulo kunye netyala lokuxolelwa kwetyala lokuboleka imali , oku kuthetha ukuba abathengisi kufuneka bafumane ixabiso eliphezulu kakhulu. Ixabiso elikhangayo liya kukukhuthaza ukunikezelwa kwamanani amaninzi , kwaye amaninzi amaninzi anikezela ukuzithengisa ixabiso. Abathengisi abanokuthi bahlawule irhafu ngomehluko okanye bajongane nokunyamekelwa kwemali kakhulu malunga nexabiso lokuthengiswa kwelo futshane.
Ukubhenela kuzo zonke ezi zintlanu zale mibutho kunokubonakala kungenakwenzeka ngenxa yezinto eziphikisanayo ezichaphazelekayo, kodwa kunokwenzeka. Kukho ubugcisa bokubaluleka kwentengiso emfutshane. Ndiyakwazi ukunyaniseka ukuba uninzi lwam uluhlu lwam olufutshane kwi-Sacramento - kwi-market yethu elithambileyo-fumana amanqaku amaninzi.
Zithengiswa ngokuchanekileyo.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.