Oko Kuthengiswa ngabanikazi Kufuneka Ukwazi Ukuvala
Nangona kunjalo, ukuba awukhokheli i-ejenti yomthengi kwaye uxoxisana kuphela nomthengi, unokufuna ukunceda umthengi ukuba afumane isivumelwano seStengiso saMnini.
Ngoko isitokethi esithengiswa zizivumelwano zomnini onokuwugqiba kalula umthengi ukuba asayine.
Ikhontrakthi yokuthengwa ekuthengisweni nguNgoko-ntetho
- Ukuba umthengi akanalo i-arhente, unokunikela ngenjongo yokunceda umthengi abhale isivumelwano sokuthenga.
- Abathengi banokubhala izibonelelo ezahlukeneyo kuxhomekeke kwimozulu yemarike yakho. Hlola indlela abathengi babhala ngayo kwiimarike zabathengi kwindlela abathengi babhala ngayo kwiivenkile kumthengisi .
- Qinisekisa ukuba umthengi wakho uyagqitywa ngumthengi ukuthenga ikhaya lakho.
- Yamkela idiphozithi yemali eyinyanzelo eyenza umthengi wakho, njengento ehambayo, abeke imali apho umlomo ukhona khona.
- Cinga ngokubuza umthengi ngesibonelelo somcimbi , esingaba phantsi kwakho ukufumana ikhaya lakho lokutshintshwa. Ukuba unenkxalabo yokuba awuyi kufumana ikhaya elifanelekileyo, ukwenza isipho sakho siphezu kwayo yindlela enye yokuqinisekisa ukuba awuyi kuhlala.
- Ngakolunye uhlangothi, umthengi angakubuza ukuba uthengise umcimbi . Ukusingathwa ngokuchanekileyo, unokuhlala uhlawula umthengi ngaphandle kwento okanye ufune umthengi ukuba asuse umcimbi ukuba umnikelo ongcono ungena kwi-Right Right of Refusal.
- Lindela ukuba ungadinga ukubhala isibonelelo se- counter . Awunayo ukuba uyamkele isithembiso somthengi, kwaye ukuba iphantsi kakhulu, qhosela njalo; musa ukuhamba. Ngamanye amaxesha abathengi bafuna ukuvavanya amanzi ngokupheka kwizwane. Musa ukuthukwa xa bezama ukukusebenzisa
- Hlaziya izizathu zokuba ungagqiba njani ukugatya isithembiso somthengi ukuba unqume ukuba ziyasebenza kuwe.
- Ukuba umthengi wenqaba ukuhlawula intlawulo yakho, unokufuna ukucosa idibanti ngokunikela ngokuthenga umthamo wemthengi okanye ukunikezela ukuhlawula ezinye zeendleko zokuvala umthengi .
Oko Kuthengiswa ngabanikazi Kufuneka Ukwazi NgeNtlanganiso yokuHlola yaseKhaya
Xa uthengisa njengeMpahla yokuThengiswa ngumnini, mhlawumbi unokuqiqa ukufumana ukuhlolwa kwakho ekhaya ngaphambi kokubeka indlu kwimarike. Ngale ndlela uyazi into engafanelekanga kwaye unokuyilungisa okanye idibanise nayo. Ngaphezulu, unako ukunika umthengi ikopi yakho yokuhlola ikhaya , apho umthengi angamkela khona-indawo-yokuqesha omnye umhloli. I- agent ye-real estate ayiyi kucebisa umthengi ukuba avume ukuhlolwa kwakho, kodwa abathengi abangabonakaliyo abayi kuba nolwazi olungcono.
- Ukuba umthengi uvula ukufumana ukuhlolwa kwekhaya, ke yilokho okufuneka ukwenze ukuze ulungele ukuhlolwa kwekhaya . Ezi ngcebiso ziya kuqinisekisa ukuba umhloli wekhaya uhamba ekhayeni lakho ngokukhawuleza nangokufanelekileyo.
- Ngamanye amaxesha abathengi baqesha abahloli bamakhaya ababi . Kwimeko enjalo, vumela umhloli wakho wasekhaya othengiswayo uthethe umhloli wendlu yomthengi.
- Yilungiselele ukuba umthengi enze uhambo lokugqibela- ngokuhlola. Eli akusixesha lokuba umthengi aphinde axoxaniswe.
- Ngaphambi kokuba uhlawule ukuhlola kwakho, yeka ukuqwalasela umhloli wakho wekhaya unokufumana iimpembelelo ezahlukeneyo kunomhloli wendlu yomthengi.
Ukwaziswa kwekhaya
Kwiindawo ezininzi zelizwe, abathengi bacela iingxelo zokulawulwa kwezinambuzane ezivela kumthengisi. Kungcono ukufumana olo vavanyo olugqityiweyo ngaphambi kokungena kwisivumelwano sokuthenga , ngaphandle koko, vumelani ukuba iingxelo ezichaziweyo zihambelana nokuvunyelwa kwakho ngenxa yokuba awuyi kukwazi ngaphambili xa ukulungiswa kubonisiwe okanye kuyadingeka. Awufuni ukuvuma ukuhlawula umsebenzi wokulahla, umzekelo, uze uyifumane ibiza i-$ 30,000.
- Umthetho we-Federal kunye nomthetho wakho welizwe uya kugunyaza ukuchazwa okufunekayo kunye nezinto eziphathekayo. Kumele unike umthengi ikopi yazo zonke iinkcukacha ezifunekayo kwaye uhlakaniphile ukufumana isayinithi yomthengi yokufumana.
- Ukuba uhlala kwindawo yophuhliso lwenyunithi efana ne-condo okanye iedolophu, umthengi uza kucela ikopi yemigaqo yombutho wabanini . Ukuba kukho intlawulo ehlawulweyo yokuvelisa la maxwebhu, ngokubanzi kuthethwa ngoxanduva malunga naliphi na elihlawulayo.
- Umthengi uya kufumana ityhuwalense yetayiti , yinto eyongezelelweyo yintlawulo engathethekiyo phakathi kwamaqela.
- Ukuze uxolo lweengqondo emva kokuthengiswa, kuyilungileyo ukuba unikezele ukuhlawula isicwangciso sewaranti yesiqinisekiso somthengi. Ngaloo ndlela, xa yonke into encinane iphula okanye ingasebenzi, umthengi akabibi ukuba ulungise okanye ukusola ngenxa yokungaphumeleli.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.