Inkcazo: Kwiintsuku zakudala, njengemuva xa uSonny noKher bekhala Ngona Ndibe Babe, iirisiti yokufumana idizithi yayisetyenziselwa isivumelwano sokuthenga . Kwakuquka iphepha elinye, kwaye liqulethe intengo yokuthengisa, idiphozithi yokuqala, ibhalansi yokuhlawula kunye nentlawulo yemali. Kwakubizwa ngokuba yi-deposit receipt ngenxa yokuba yenze i-risiti yomthengi ngenkokhelo yemali . Sekunjalo, kwakungenkontileka yokuthenga.
Ukukhawuleza ukuya phambili namhlanje, kwaye irhafu yokufumana idilesi esetyenzisiweyo ukubonisa ukufumana idiphozithi yemali.
Abathengi ngokuqhelekileyo benza imali eqinileyo kwisipho sokuthenga ikhaya . Imali ethembekileyo iya kuhlawulwa kwiinkampani zetayiti, inkampani yokuhlutha okanye i-real estate brokerage. Enye yale mibutho ke ikhupha iirisiti ye-deposit, ebonisa ukuba umthengi wanikela ngenkokhelo yemali.
Umkhano namhlanje ngumphathi wenkampani kunye / okanye igosa lokulahla ukukhupha idizithi yedizithi. Oku kukhankanywe emva kokuba idiphozithi yemali yentengo yomthengi isetyenziswe kwisihloko okanye kwi-akhawunti yebhanki yenkampani. Kuya kufuthi ziqule ezi zilandelayo:
- Igama lomxholo wenkampani
- Idilesi yerhafu yenkampani
- Igama lomxholo webhanki yenkampani
- Inombolo ye-akhawunti yebhanki yenkampani
- Inombolo yokufumana
- Inombolo yokuhlutha
- Idilesi yepropati
- Umhla wediphozithi
- Igama lomntu ofumene irhafu
- Inani lediphozithi
- Igama (s) lomhlawuli, odla ngokuba ngumthengi
- Ikopi yesheke sokuqala
Ukuba idizithi yedizithi ilawulwa yi-real estate brokerage, iya kufakwa kwi-akhawunti ye-trust ye-broker.
Ukufaka imali kwixabiso kumthengi nakweyiphi na uhlobo lwe-akhawunti ye-trust kungaba kukuphulwa komthetho karhulumente, kwaye abadayisi bezindlu abavunyelwe ukudibanisa imali.
E-California, umzekelo, uninzi lwaphulo oluphandwe yi-Bureau of Real Estate lubandakanya iirekhodi ze-trust trust. Esi sizathu sokuba ezinye ii-brokerage ze-estate zithe zanyula ukuba zingabhekiseli imali yokuthembela kuzo zonke, kwaye zihlala zikulindele ukuba umthengi enze itekethi ehlawulwe kwinkampani yetayitile.
Ukuba umthengisi we-estate estate uqokelela idiphozithi, kufuneka ibhalwe kwirekhodi yengxowa yebhanki ye-trust, nokuba ingafakwa kwi-bhanki.
Indlela efanelekileyo yokusingatha i-deposit yokutshekisha yokuqala ukuvumela umthengi ukuba afake imali ngqo kwisihloko okanye kwibhanki yenkampani ye-escrow. Kodwa umthengi wekhaya uya kusafuna ububungqina bokuba idiphozithi ukuvelisa umthengi wemali mboleko yomthengi, kwaye oku kutheni ukufumana idiphozithi kubalulekile ukuba umthengi wendlu afumane.
Umboleki uya kufuna ukubona ukuba idiphozithi yemali yokuqala yenzelwe ivela kwiimali zomthengi. Ukuba ihlawulwe ngumntu wesithathu egameni lomboleki, umboleki-mboleko uya kufuna amanye amaxwebhu. Ngaloo ndlela, umboleki-mboleko uya kukhangela isitatimende sebhanki somboleki ukuqinisekisa ukuba imali kwi-akhawunti yebhanki yomthengi yayisandulwanga kutshanje kumthombo ongaziwa.
Yiloo nto ebizwa ngokubhekiselele kwixesha lokuhlalisa imali. Umboleki wemboleko kufuneka achonge umthombo wemali. Iimali mazibe kwi-akhawunti yomthengi ngexesha elithile, emva kwexesha apho umthombo weemali ungabalulekanga. Ababolekisi bafuna amaxwebhu ngaphaya kwe-risithi yokufumana i-deposit ukuqinisekisa ukuba umboleki usebenzise imali yakhe ukuthenga ikhaya.
Sinemicimbi emikhulu eyenziwe xa ilungu lentsapho, umzekelo, lubhala imali engqongqo yemali. Akunalo kwigama lomthengi. Ngenxa yoko, akuzange ivela kumthengi, kwaye umboleki uya kufuna ukufumana imali. Inokuthi ibe yiCatch 22 kuba kuya kuba neengxaki ezininzi ukuba imali ivele nje ilungu lentsapho kwi-akhawunti yomthengi. Idala zonke iintlobo zeengxaki.
Kwakhona ikwaziwa njenge- risithi yediphozithi
Iimpazamo eziqhelekileyo: idiphozi yokubuyisela
Imizekelo: I- Cher yafumana irhafu yediphozithi xa ithenge umhlaba ukuze yakha ikhaya kwiSiqithi esikhulu saseHawaii. Wathengela umhlaba i-$ 2.9 yezigidi kwaye wakha ikhaya elimangalisayo laseBalinese, ekugqibeleni wathengisa malunga nama-dollar ayi-9 yezigidi. Umthengi wekhaya leKher ufumene irisidi yokufaka idiphozithi ebonise umrhumo wemali ethembekileyo yomthengi.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.