Isinyathelo ngeNyathelo Jonga ukuthenga indlu

Indlela ecacileyo oyifumayo ngayo kwikhaya lokuthenga intengiso iyahlukahluka ngokuxhomekeke kwimithetho yendawo yokuhlala kunye namasiko apho uhlala khona. Kodwa uya kufumana amanqanaba amaninzi ekuthengeni indlu enomgangatho, nangona kungenakufezwa kwimiyalelo efanayo kuyo yonke indawo.

Uyakuziva ukhululekile xa uhamba nohambo lwakho lokuthenga ekhaya xa uqonda into efunekayo kuwe nakumnye umntu ochaphazelekayo kwintengiso.

Esi sikhokelo sithatha wena, kwaye sikhombisa ukuba unama-11 kuphela amanyathelo okuthenga indlu.

Inyathelo 1 ukuthenga iNdlu: Yenza imali yakho kwi-oda

Iingxelo zakho zekredithi ziyingxelo eqhubekayo yeendlela olawula ngayo iimali zakho. Kumelwe wazi kakuhle ukuba iingxelo zakho zeentengo zemali ngxelo yakho yezemali ngaphambi kokuba ufake isicelo sokubambisa imali, kuba iingxelo zidlala indima ebalulekileyo kwinkqubo yemvume yokubolekwa kwemithwalo yempahla kunye nokwenza umlinganiselo wenzalo kunye neminye imigqaliselo ebolekwa ngumboleki.

Ukuba awukhange ukhangele iingxelo zakho zeentengo zemali, unokumangaliswa kwiziqulatho zazo, kuba iziphene ziqhelekile. Eyona nto, awufuni naliphi na iindleko zokugqibela. Omnye umvuzo omva emva kokubi; abane baya kukubulala.

U kufunda

1. Yiyiphi kwiNgxelo Yesikweletu Yakho kwaye Wenze Kanjani?
2. Indlela Yokujonga Ingxelo Yemali Yakho
3. Coca iNgxelo yakho yeMboleko
4. Ukuqonda iZiko lakho lokuTyala
5. Indlela yokuphucula izikolo zakho zemali

Inyathelo 2 ekuthengeni iNtlu: Yenza isiqhelo kwiCandelo leMboleko

Ukufumana imboleko efanelekileyo kunye neentengo kubaluleke kakhulu kwikhaya lakho lokuthenga impumelelo.

Kuye kuwe ukufumanisa ukuba yeyiphi i-mboleko efanelekileyo kwiimfuno zakho, kwaye ihlale yinto efanelekileyo ukuba neyona nto imvelaphi malunga nemboleko yemali phambi kokuba uxoxe nomboleki. Cinga ukucela ummeli wakho ukuba uthunyelwe.

U kufunda

1. Yintoni eyahlukileyo phakathi koMthengisi wokuThengisa kunye neGosa leeNgxowa-mboleko zeBhanki?

1. Ukuqonda Iingxowa Zakho kwiRatio yeNgeniso
2. Ngaba Ufanele Ukhethe I-Mortgage Rate Rate?
3. I-FHA Inkxaso-siseko
4. IiNkcukacha zeMali zeMali zasekhaya
5. Izicwangciso zeNtlawulo zeeNgxowa-mali
6. Ngaba Ufanele Uthenge Amaphuzu Exabiso?
7. Iinkcukacha Nge-Intshuwalense Yemali Yobunini
8. Ngaba Uya kuba neNgxowa-mboleko okanye iSenzo soThemba? Kutheni Kubalulekile?
9. Qaphela Ukukhwabanisa Kwemali

Inyathelo lesi-3 ukuthengwa kweNdlu: Fumana kwangaphambili ukuvunyelwa kwi-Mortgage

Ngaba uyazi ukuba unganini indlu? Mhlawumbi akunjalo, ngaphandle kokuba uthe wathetha nomboleki.

Ukuvunywa kwangaphambili kukunceda ngezinye iindlela. Cinga ngolu hlobo. Umthengisi wasekhaya ufumana izibonelelo ezimbini ezifanayo. Enye ihamba neleta evela ebhankini lomthengi echaza ukuba ivunyiwe ngaphambili ukuba ihlawulwe ngemali yesibonelelo. Enye ayinawo amaxwebhu axhasayo. Nguwuphi na umnikelo ocinga ukuba umthengisi uya kuqwalasela kuqala?

U kufunda

1. I-Pre-Qualification kunye ne-Pre-Approval, Yintoni oyifunayo?
2. Ukusebenzisa ii-Calculator Mortgage Calculators ukuhlalutya i-Loan Possibility

Inyathelo 4 ekuthengeni iNdlu: Qinisekisa ukuba ufuna kunye nezidingo zakho

Ukuthenga ikhaya akuyona nzima kunokuba ungacinga, nangona unokufutshane kwiimali, kodwa inkqubo iya kuhamba ngokulula xa uhlala uqhelana nemakethe yakho yezindlu kunye nokunciphisa izinto ozifunayo neemfuno ngaphambi kokuba uqale ukukhangela kwizindlu.

U kufunda

1. Hlela i-Out Of Your Wants kwaye Ufuna
2. Ukuqwalaselwa ngokutsha
3. Xa Ufuna Uncedo ngeeNgxowa ze-Downpayment Funds

Inyathelo lesi-5 ukuthenga indlu: Funda ukuSebenza kunye nabaPhathi beMpahla

Abameli bezindlu zithengisa abathengi, abathengisi, okanye zombini-kwaye kwezinye iindawo, banokusebenza njengabacebisi abangathathi hlangothi kwindibano. Kubalulekile ukuqonda imisebenzi ye-arhente kunye nokuthembeka phambi kokuba wenze umnxeba wokuqala. Buza i-arhente yakho ukuba ichaze i-fiduciary.

U kufunda

1. Ngaba Ummeli Wakho Usebenzela Kuwe?
2. Indlela yokusebenzisana noMmeli wathengisi
3. Yintoni omele uyikulindele kwi-Agent Agent
4. Indlela Yokuhlawula I-Agent Agent
5. Indlela uMmeli weMthengi abe Ngummeli oBini
6. Iingcamango eziqhelekileyo malunga nokuSebenza kunye nabaPhathi beMpahla
7. Imisebenzi Yakho kuMntu Wakho
8. Ukujongana nabantu abangapheliyo kunye nabangenamthetho

Inyathelo 6 ukuthenga indlu: Qala ukusesha ikhaya

I-arhente yakho izothumela uluhlu kumnxeba wakho.

Uzakukhetha kwakhona iimagazini zeeNdlu zokuThengisa kwaye ufunde iintengiso ezikhethiweyo kumaphephandaba akho asekuhlaleni. Mhlawumbi uya kuchitha ixesha elingapheliyo lokungena kwi-Intanethi kumakhaya. Unokuba usenokucwangcisa ukuhamba kwemini emva kokujonga indawo yokuhlala. Zizo zonke iindlela ezigqwesileyo zokubona oko kufumaneka. Nazi ezinye izixhobo zokukunceda unciphise ikhaya lakho lokuthenga uphando.

U kufunda

1. Cinga ngeeNdlu abanye abajongayo
2. Khangela iiNgxelo zoLuntu zeeNkonzo ezininzi zeeNkonzo zeeNkonzo zoLuntu
3. Fumana iiWebhu ze-Web Site Agent Sites
4. Dlulisa amehlo kwi-Real Estate Search Engines kunye neeNethiwekhi
5. Fumana ukuthengiswa kweeMpahla zeMpahla
6. Fumana iziThengiso zokuThengiswa kweNdlu kuPrinta
7. Fumana izindlu eziqingqiweyo

Inyathelo lesi-7 ukuthengwa kweNdlu: Yenza imisebenzi yangaphambili yokunikezela

Ukugqiba ukuba ngaba ufuna ukuthenga indlu kungakhathaliseki ukuba ufuna ukuthenga indlu kubandakanya ukujonga kwisakhiwo sayo kunye nempawu zayo, kodwa kukho ezinye ezininzi izihloko ezibaluleke kakhulu ekuthengeni kwakho. Nazi izihloko ezimbalwa oza kuzihlola phambi kokuba wenze isipho.

U kufunda

1. Cinga ngohlolo lweKhaya
2. Thetha nabamelwane ngaphambi kokuthenga
3. Hlola ukuThenganiswa okuThengisiweyo

Isinyathelo 8 ukuthenga indlu: Yenza umnikelo

Akukho migaqo yemiyalelo engayifumana yonke imimiselo kwimithetho yendawo yokuhlala kunye nemasiko ekhoyo e-United States, ngoko ke umatshini wokwenza isibonelelo kunye neemeko ezithile zixhomekeka kakhulu kwindawo yakho. Nangona kunjalo, kukho ezinye izicwangciso zokuthenga ekhaya ezinokukunceda uhlalutye umnikelo wakho, kungakhathaliseki ukuba uhlala phi.

U kufunda

1. Yintoni ezayo neNdlu? Ukuqwalaselwa kwemvumelwano
2. Yintoni ekumele iThengisi ibonise?
3. Qinisekisa ukuba kufuneka ukunikezelwa kweeNtlupheko zeNtsalane
4. Qinisekisa ukuba Unjani ukunikela
5. Ukucela Izinto Ukuba Ngaphambi Kokuvalwa
6. Ukuqwalaselwa okuKhethekileyo ngokuThengiswa nguMnini weZithengi

Isinyathelo 9 ukuthenga iNdlu: Ukuhlolwa kweeKhaya kunye nezinye iimvavanyo

Kwamanye amazwe, ukuhlolwa kwasekhaya kufeziwe ngaphambi kokuba isivumelwano sisayinwe. Kwamanye amazwe, uhlolo luyenzeka emva kokuba isithembiso sipheliswe. Kungakhathaliseki ukuba wenza ntoni, kubalulekile ukugqiba ukuba yiziphi iimvavanyo kunye neemvavanyo ofuna ukuzenza.

Thetha kunye ne-agent yakho ye-estate okanye omnye umcebisi ukuba ufumane ukuba ukuhlolwa kufuneka kulandelwe kwaye ukuba ezinye iintlobo zokuvavanya zibalulekile kwindawo ethile.

U kufunda

1. Myalelo weNkcazo yeKhaya epheleleyo
2. Uvavanyo lweGesi yeRhasi
3. Ukukhangela iMolds kunye neNtswelo
4. Ukunikezelwa kweeNtlupheko zoPhambili kunye nokuHlola kweeNgingqi zangaphambi kwe-1978
5. Ngaba Kukhona I-Private Well kwiPropati?
6. Ukuqonda nokuhlola inkqubo yeSeptic
7. Ngaba kufuneka uthenge iWarranty yasekhaya?

Inyathelo 10 ukuthenga indlu: Ukuphepha nokulungiswa kweengxaki zokugqibela zemizuzu

Njengoko usuku lwakho lokuvala lusondela, wonke umntu obandakanyekayo kwintengiselwano yakho yendawo yokuhlala kufuneka ahlole inkqubela yayo imihla ngemihla, kuba ukuhlala phezulu kwezinto kuthetha ukuba uya kukwazi ngokukhawuleza ukuba kukho ingxaki ekufuneka iqwalaselwe nayo. Nantsi ingcaciso encinane ejolise kwiingxaki ezimbalwa eziqhelekileyo abathengi basekhaya kufuneka bajongane nazo ngaphambi kokuba bavale indlu.

U kufunda

1. Izinto ezili-10 ongazifanele uyenze xa uthengisa ikhaya
2. Fumana Iinkcukacha Ngeendlela zokuHlola zokuHlala
3. Indlela yokujongana novavanyo oluphantsi

Inyathelo 11 ukuthenga iNdlu: Wena useNdlela yokuVala

Uninzi lweengxaki zokuthenga ikhaya lakho lusemva ngoku kwaye usendleleni yokuvala, ebizwa ngokuba yi-settlement, isiganeko esithumela umnini-propati yakho. Zizinto ezimbalwa nje izinto zokufunda, ezinye izinto ezimbalwa zokwenza, kwaye ukhona!

U kufunda

1. Ukujongana noMthengi Ukuzisola
2. Fumana Iinkcukacha Ngomshuwalense Wesihloko
3. Funda Ukufunda I-Statement Closing Statement
4. Thatha ukuhamba kwakho kokugqibela

Iingcamango Zokuvala

Amanyathelo akhankanywe kweli nqaku ayisikhokelo sokuthenga ekhaya ngokubanzi. Uya kudibana nemiba ethile kwindawo yakho kunye nokuthengiselana kwakho, imiba enokuthi ichazwe kakuhle kwaye iphathwe yileli-arhente yendawo yokuhlala , umnini-mboleko wakho, ugqwetha lakho, i- arhente yakho yokuvala , okanye abanye abakuncedayo ukugqiba ikhaya ukuthenga intengiso.

Ungalokothi unganqikaze ukubuza imibuzo. Buza imibuzo emininzi njengoko kuyimfuneko ukukunceda uqonde inkqubo yokuthenga ekhaya. Ukwenza ukuzinikela kwexesha elide kwaye uchithe imali eninzi - uya kuziva ulunge ngakumbi malunga nokuthengiselana ukuba uhlala unolwazi kwaye uqonde oko kwenzekayo nganye isinyathelo endleleni.

Ehlelwe nguElizabeth Weintraub, iThengi lokuThengwa / ukuThengiswa kweNdlu

Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.