Indlela yokuthetha ngeBhanki ngokuThengiswa okufutshane

Iingcebiso zokufumana iBhanki eFutshane yokuThengisa ukuThengisa ukuThengiswa okufutshane

Ingxaki enkulu kakhulu ngeentengiso zentengiso emfutshane ayinanto yokwenza kunye ne-ejenti yomthengi nayo yonke into enokuyenza kunye ne-arhente yohlu. Ukuba i-arhente yokurhweba ayinakulungeleka kwaye ilahlekisa kwixabiso lentengo ekhaya , kunye nezakhono ezinxibelelwano ezinokuthi zithengise ixesha elifutshane, akukho nto imfutshane emmangaliso kuya kunceda.

Ukuthengisa okufutshane kukubandakanya ukucela ukuba abanikezeli bemali bafumaneke ngaphantsi kwexabiso lokuthengisa kunexabiso lemali.

Ziyasebenza ngokuyinhloko kuba ikhaya lihlaselwa kwixabiso - elithetha ukuba ngaphezulu kunetyala elibhekiselele kwikhaya kunokuba ikhaya lifanelekile kwimarike yanamhlanje.

Qaphela ukuba umthengisi akudingeki ukuba afuneke ukuba athengise ukuthengisa okufutshane; Nangona kunjalo, iinqununu zemali ziyakunjalo ngokuthengiswa okufutshane njengento yokuqhawula.

Iingxaki zokuthengisa ezifutshane

Abanini-mboleko abaninzi ababuyiseli umnxeba. Amabhanki aya kubiza i-arhente yohlulo xa kulungele ukuba ibhanki iqhagamshelane kwaye xa benento ethile yokuthetha, ukubonelela ukuba abazange balahle ifayili okanye baqeshwe ingxoxo.

• Ukuba ifayile yakho ayiphelelanga, kusenokwenzeka ukuba isicelo sakho sokuthengiswa okufutshane siza kuphantsi kwebhola.
• Uza kuqala ngesebe lokunciphisa ilahleko kwaye unokuthetha nomntu ohlukeneyo xa ubiza.
• Ukuba ukucaciswa kokungena kufikelele, cela ifayile ifakwe kwintetho ngokukhawuleza, kodwa lindele ukuba eso sicelo siwele ezindlebeni ezingezithulu.

• Umthengisi kufuneka abhekane nobunzima. Ukuba awukwazi ukuxhasa ubungxaki, amathuba okuthengisa kwakho okufutshane azakuvunyelwa.
• Thumela ukuthengisa okufana noko kuxhasayo intengo yokunikela ngenxa yokuba ibhanki icinga ukuba inokufumana imali engakumbi ngeenkqubo zokuqhawula , ayiyi kukuzonwabisa kwiintengiso .

Ukuxoxisana noMthengisi omfutshane wokuthengisa

Musa ukumangaliswa xa ugqiba ukusebenzisana nabanxibelelwano abangaphezu kweyodwa. Andiyazi ukuba abathengiselwano bayeke ukusasaza phakathi kwexesha ngenxa yokuba abanakukwazi ukujongana noxinzelelo okanye ukuba ibhanki ibuye ibuyeke kwenye indawo kuba ibhanki inokufutshane.

Kunjenge-projectionist kwi-movie yemidlalo ephoqelelwe ukuba athengise i-popcorn kwi-lobby, umcebisi wakho unokuphuma ngaphandle kwendawo yokupaka ibhanki ekuhambiseni i-traffic ngexesha elizayo xa ubiza. Amabhanki anciphisa abasebenzi ukuba bagcine imali kwaye abanye abasebenzi banamathuba angaphezu komsebenzi omnye ebhankini, benza imisebenzi emininzi.

• Fumana igama, inombolo yefowuni (kwaye, ukuba kunokwenzeka, i-imeyile) yomthengisi.
• Musa ukudixeka ukuba loo mthengisi akafumaneki xa ubiza. Fumana idatha kumntu olandelayo.
• Fumana iinjongo zebhanki. Buza imibuzo ecacileyo efana nale nto ethi "Ngaba le nkonzo inokwenzeka?" "Ngaba iibhanki zakho zenze ukuthengisa okufutshane?"
• Musa ukuthatha i-no impendulo. Cela umphathi. Qhubeka.
• Yilungele ukuthetha ityala lakho ngokwemigaqo eqinile ukuba ibhanki iya kuyiqonda.

Ungabi nantlonelo kwiintengiso ezifutshane

Ibhanki ingaba yinto engapheliyo, ngoko ulungele ukulungela ukulwa kunye nesethi yezixhobo. Hlonipha, kodwa qinisa kwaye ungabuyi phantsi.

Ngamanye amaxesha, nangona kungekho rhoqo, i-bhanki iya kufuna ukuxoxisana nekhomishini yendawo yokuhlala , kunye neemeko apho ibhanki ithe yagqiba ekuvaleni ukuvuselela isithembiso sokuhlawula ikhomishini.

• Qaphela ukuba ibhanki ayinyanzelwanga ukuba ivumelane nantoni na.
• Cela yonke isivumelwano ukuba ibhalwe phantsi, kodwa ungamangaliswa xa ungayifumani.
• Yenza inkcazo kwaye ugcine irekhodi yonke incoko, obani kunye nomhla nexesha. Ungayidinga enkundleni.
• Buza ibhanki ixesha elifanelekileyo kunye nokuba lixesha elifanelekileyo lokubuyisela kwakhona. Bese ubiza kwakhona iintsuku ezimbalwa kusasa.
• Xa ufumana i-imeyile yeposi ngokuphindaphindiweyo, ushiye umyalezo uze ucele kwakhona emva kokuhlwa kwasemini, emva kokuhlwa kwemini, ngaphambi kokuba usuku luphele kwaye kwakhona kusasa ngaphambi kokuba usuku luqale.

Ndiyakuthanda ukubona usuku apho amabhanki enza izenzo zawo kunye nokujongana neentengiso ezimfutshane kwinqanaba elisebenzayo, kodwa de kube loo mini ifika - ngathi xa ihagu zibaleka - ungavumeli ukucaphukisa imihla ngemihla kukucaphukisa okanye i-agent yakho kwaye uqhubeke wenza ezo zixhobo.

Ukuthengisa okufutshane okufutshane kukugqityiwe ekugqibeleni.

_{Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.}