Kutheni abathengi baseKhaya batshabalalisa uludwe olugqithisiweyo
Uhlobo nje lomntu.
Ukuba ubuza umntu ufuna imali engaphezulu okanye ufuna imali encinci, ucinga ukuba umntu uthetha ntoni? Kutheni umntu enokunikela ngemali umntu ucinga ukuba umntu unelungelo lokufumana? Nangona kunjalo, ixabiso lokuthengisa liguquguquke kwiindawo zokuthengisa. Kukho uluhlu kwaye alukho intengiso echazwe ngokuthe ngqo, kuba uqikelelo lwexabiso lemarike lungahluka kumntu ngamnye.
Thatha i-appraiser, umzekelo. Thatha ama-appraisal ama-5 kwaye ucele ngamnye ukuba alingise ikhaya. Iimvavanyo zezifundo nganye ziya kuhluka. I-appraisal ayithethi ixabiso lekhaya elimiselweyo ngaphambili, kodwa phakathi kwama-5 e-appraisals, kuya kubakho uluhlu lwexabiso, ngokusondelene. Kukho mhlawumbi akuyi kubakho ukunyuka kwendalo.
Nangona kunjalo abathengisi maxa wambi bahendelwa ukuba bathengise ixabiso lekhaya kwinani elinokubonakala lenkwenkwezi kwi-arhente yendawo yokuhlala. Abathengisi abanako ukungazi ukuba i-arhente ye-real estate inquma ixabiso, kwaye abanakho ukunika i-hoot malunga nokuthengisa okufaniswayo .
Indlela abathengisi abafumana ngayo kwixabiso lihluka. Basenokukhumbula ikhaya eliye lithengiswa ngeenyanga ezimbalwa ezedlule, ezinokuthi lube luhlu oluphelelwe yisikhathi namhlanje, kwaye banqume ukuba ikhaya labo lixabisa inani le-X ngaphezulu. Kuba akukho sizathu esinengqiqo. Ixabiso le-X mhlawumbi lisekelwe kwinqanaba elincinci elincinci elingenakho ukuqhuba kwixabiso lemarike. (Izulu liyabanceda ukuba baxhomekeke kwiwebhusayithi ye-real estate ye-heritage yexabiso.)
Kutheni umthengi wekhaya angayi kuyenza umnikelo?
Uvakalelo phakathi kwezi ntlobo zathengisi ngumthengi unokuhlala enza isipho. Xa umthengi engenzi isipho, abathengisi abafuni ukukholelwa ukuba yintengo leyo ingxaki. Bangabuka kuzo zonke iintlobo zeempembelelo zangaphandle njengomthombo wengxaki. Abanye abathengisi bakholelwa ukuba isizathu sokuba umthengi akenzi isipho kukuba:
- I-arhente yohlulo ayisebenzi nzima ngokwaneleyo ukufumana umthengi.
- Abathengi abaziqondi iimpawu ezenza ukuba ikhaya lizuke kakhulu.
- Ukubeka uluhlu lweenkampani kuchitha idola yeentengiso kwiindawo ezingafanelekanga.
Nangona kunjalo, ngokuqhelekileyo ezo zizathu zokuba umthengi akenzi isithembiso. Okokuqala, ukwenza isipho sokuthengwa, umthengi uya kulindela ukubona ikhaya kumntu. Abathengi bavame ukutyelela amakhaya axabisekileyo ngokuhambelana namanye amakhaya kwimarike. Ngokomzekelo, ukuba umthengi ufuna indlu ngaphakathi kwendawo ethile okanye i-ZIP, i-ejenti yomthengi ingathumela uluhlu lwabathengi kwixabiso elithile. Indlu ekhutshwe kakhulu ingabonakali nakwibala lomthengi wezindlu ezithengiswayo.
Ukuba uluhlu oluphezulu luvela kwiqela labathengi bezindlu ezithengiswayo, kuba umthengi ukhangele indlu kwikolu xabiso lexabiso.
Nangona kunjalo, ngenxa yokuba ikhaya liphezulu, liza kuphinda liwele kwinqanaba lomthengi uluhlu lwamanqaku ukutyelela, ukuba alukwenywanga ngqo. Umthengi uya kufuna ukutyelela amakhaya afanelekayo afana neemfuno ezithile. Indlu ekhutshwe ngokwempahla, ngokwemvelo yayo, ayiyi kuwela kuloo mfuneko ethile kuba iya kuba ilahlekile ukuphuculwa, indawo okanye indawo yamakhaya athengiswayo athathwe ngokufanelekileyo.
Isizathu esibalulekileyo ukuba umthengi akayi "nje ukwenza isipho" kwisihlomelo esiphezu kweyona nto kuba lekhaya elithile alibonakali kwi-radar yomthengi. Ukuba umthengi akafumaneki ukuba ikhaya liyatholakala ukuthengiswa, umthengi akaze angene ngaphakathi kuloo ndlu. Akukho tyelelo oluthile, akukho ntengiso.
Ngaphezu koko, abaninzi abathengi abaphumeli ukuthenga ikhaya elithemba ukuba bangenza isipho se- basball baze bawine loo ndlu.
Abathengi abafuni ukuhlambalaza umthengisi kwaye baya kuphephekisa ukungqubuzana. Abathengisi bangakholelwa ukuba umthengi ukhululekile ukunikela nayiphi na intengo umthengi ukhetha ukunikela, kodwa abathengi abakucingi ngaloo ndlela. Abathengi abafuni ukucaphukisa.
Ngaphezulu koku, i-agent agent yabo ingakholelwa ukuba uluhlu olugqithisileyo luxabiso eliphezulu kakhulu kuba umdayisi unenkani kwaye wenqaba ukuphulaphula isizathu. Iintengiso zamaqhengi azifuni ukusebenza nomthengisi ongenangqiqo, nokuba. Bengafuni ukunyamekela olo luhlu kwaye babonise amakhaya apho abathengisi banengqiqo kwaye banomdla wokuthengisa.
Kude kuninzi kangakanani?
Uphi umntu obeka umgca kwi-overpricing? Luhlobo luni lwexabiso eliphezulu kakhulu? Ixhomekeke kwimiba yexabiso kummandla, kodwa uluhlu lwamaxabiso ebhonasi olungaphezulu kwe-10% yexabiso lemarike liphezulu kakhulu kumakhaya athengwa ngaphantsi kwesigidi. Ngokukodwa intengo yokuthengisa esetyenziswe kwi-25% yexabiso okanye ngaphezulu, ngokuqinisekileyo, ngumthengisi onqwenela ukujonga uphawu lokuthengiswa kwiredi. Ngokutsho kweengcali, ixabiso lokuthengisa ekhaya kufuneka libe ne-flexible range -3% ukuya kwi-3% yentengo yokuthengisa.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, uBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.