Ukuba ubuza i-Realtor.com ngokuqikelela kweendleko zokuhlola i-home, impendulo ebonakalayo ibonakala kwi-300 ukuya kwi-400 yee-range ezahlukeneyo, kodwa oko kubonakala kukungqiqeshwe kwangaphambili.
Inokusetyenziswa kwiindawo ezisemaphandleni ezincinane eMidwest, kodwa kungekhona kwimakethe yaseMelika yaseCalifornia, umzekelo.
Ngaba Umfaki-sicelo uya Kuxelela ukuba iKhaya aliyi kulusebenzisa kwixabiso lentengo?
Abahloli baxhomekeke kwinto yokuba umthengi kunye nomthengisi babala ekhaya ukuba bahlalutye kwixabiso elivunyelwene ngalo. Nangona i-appraiser ayikwazi ukusekela i-appraisal kwixabiso lokuthengisa, musa ukwenza impazamo yokukholelwa ukuba umntu ongu-appraiser akayithandi loo nto.
Iimeko zokuphonononga kwi-Davis, eCalifornia, zibandakanya umboleko we- FHA . I-FHA i-appraisals ibelwe inombolo yesohlwayo, oko kuthetha ukuba ukuthengiswa kwezinto kwadlula, umthengi we-FHA olandelayo uza kufumana uvavanyo olufanayo. Ngenxa yoko, i-AMC ibiza ukuba umboleki ukuxwayisa uvavanyo-mali luya kuba yi-$ 100,000 ngaphantsi kwexabiso lokuthengiswa kwaye labuza ukuba umboleki-mali uhambela ukuba u-appraiser aqhubeke. Umboleki wabulela i-AMC kwaye wakhetha inkampani eyahlukeneyo ye-AMC.
Xa ukhe uzibuze, umboleki-mali ukhokhele i-AMC eyi-150 yokuqala yokuncedisa.
Nangona kunjalo, i-AMC yesibini iveze i-appraisal malunga nexabiso elifanayo, kodwa yayingaphantsi kwama-95,000. Sekunjalo, unokubona ukuba ilungiselelo nge-AMC linokuba luncedo njani kumbolekayo. Kuhlala kunokwenzeka ukuba umfundi wesibili angasebenzisa ukuthengisa okuthelekiswayo kunye nokuvelisa uvavanyo oluphezulu.
Ii-Appraisals azikho iziqinisekiso ngokupheleleyo zexabiso. Ziyiyo ngcamango yoluvo lwexabiso, ngokulandela iiprotokholi eziqhelekileyo.
Ngaphambi kwe- 2007 subprime mortgageown , indleko yokuhlolwa kwe-Sacramento yayingama-$ 375 ukuya kwi-425. Iingqinisiso eziqhelekileyo kunye ne-FHA kunye nee-VA aziyibizi enye. Kukho njalo ulwahlulo lwama-$ 50 kwintlawulo ye-appraisal phakathi kovavanyo oluqhelekileyo kunye novavanyo lwe-FHA, njengoko ii-FHA zokuhlola zibiza kakhulu.
Oku kulungelelaniswe inxalenye kwimimiselo eyongezelelweyo kunye nezikhokelo ze-FHA appraisal. Ukuhlolwa kwe-FHA kungadinga ngaphezulu "imimiselo yokubolekwa kwemali," okuyimfuneko yokulungisa phambi kwemali mboleko ngoba i-FHA mboleko ithwala izikhokelo eziqinileyo kuneziqhelo. Kungenxa yoko unokubona amanye amakhaya enepende yokupenda okanye ukugcinwa kwesondlo esikhankanywe "njengesiqhelo kuphela."
Indlela yokuSindisa kwiNdleko yoVavanyo lweKhaya
Eli lixesha elifanelekileyo lokukhupha iindleko ze-appraisal xa ulungele ukukhetha umthengisi wemboleko . Ngaphandle kokuba ujongene nomntu ongenakutyala imali yokubolekwa kwemali mboleko, ngokugqithiseleyo yonke imali yokubolekwa kwemali mboleko yendleko ngokufanayo. Kukho umahluko omkhulu phakathi kwamazinga enzala kunye namanqaku. Ukwahluka kusekunkonzweni. Njengengxube eyongezelelweyo, ngamanye amaxesha ababolekisi baya kunikezela ukuhlawula ukuhlaziywa komthengi.
Kufuneka ucele.
Ixabiso le-appraisal lihluka ngoxhomekeke kwindawo. Ngokomzekelo, ezininzi iinkalo zemizi-dolophu yaseCalifornia zindleko ezifanayo malunga nokuvavanya. Okwangokunje, ii-FHA zokuhlaziywa kwiiThaho / iSan Francisco naseSacramento zihamba malunga ne-550 ukuya kwii-575 zamaRandi. Iindleko zee-appraisal rang ranges ukusuka kwi-$ 500 ukuya kwi-525 yezigidi. Uvavanyo lwe-A VA, akumangalisi ukuba i-VA ichanekile kakhulu, malunga ne-$ 600.
Imali-mboleko ye-Jumbo ingadola i-$ 750. Ikhaya langokweziko elingaphambi kweenyawo ezinama-square angama-5,000 kunye neendlela ezininzi zokuhlaziya ezibizayo zingadola i-$ 1,200 ukuya kwii-1,500 zamaRandi ukuze zilinganiswe.
Kutheni i-Homes imaza yonke ixesha kwixabiso lokuthengisa?
Umthengi wandibuza iintsuku ezimbalwa ezedlule ukuba kutheni ixesha ngalinye athenge indlu, loo vavanyo yangena ngentengo yokuthengisa. Wazibuza ukuba kukho uhlobo lokudibanisa oluqhubekayo phakathi kwababolekisi nabahloli bee-appraisers.
Inyaniso ngabahloli bee-appraisers bafumana ikopi yesipho sokuthenga . Bazama ukufumana ukuthengisa okufanayo okuza kudibana nexabiso eliyixabiso.
Ukuba ikhaya lixabisa ngaphezu kwexabiso lokuthengisa, ngamanye amaxesha umncedisi akayi kuba nexabiso eliphezulu kwipropati kuba ayimfuneko. Kuphela kufuneka kulungele ubuncinane intengo yokuthengisa. Akukhona nje kuphela ukuba akudingekile, kodwa ukuba ixabiso liphezulu kakhulu, umbolekisi angabiza ukuba uhlolo-mali aluhambelani kwaye alufuni ukuboleka imali.