Umfundi uyabuza: "Umyeni wam kunye nathi sibheke ikhaya lethu lokuqala.Siye sanciphisa iindawo esizibathandayo kwaye siye safumana uluhlu lwe-imeyile evela kwi-agent yethu. Ukuba kufuneka sibuze i-arhente yethu ukunyusa ixabiso lethu lokuvumela ukuxoxisana amaxabiso? Iyiphi indlela engcono yokukhetha amanani exabiso? "
Impendulo: Ukuthabatha ixabiso lexabiso elifanelekileyo kubalulekile kuba ngenye indlela ungaphuthelwa ekufumaneni ikhaya elifanelekileyo .
Nangona kunjalo, nawe awufuni ukuchitha ixesha elijongeyo amakhaya angafanelanga iimfuno zakho kuba zibiza ngaphezu kokufuna ukuhlawula. Into ebi ngaphezu kokufumana ikhaya lakho eliphuphayo kwaye ufumanisa ukuba umthengisi akayi kugoba ngentengo ayikufumani ikhaya lakho ngenxa yokuba uhla lwamaxabiso lungalunganga.
Iimpawu zePlex Your Price
Amagcisa abahlali becinga ngendlela abathengi bafuna amakhaya xa bevuma uluhlu. Ngokungahlawulisi ikhaya kwikharityhulam elungileyo, abathengisi bangahle balahlekelwe abathengi abangasoze babone uluhlu.
Ngokomzekelo, ukuba inani lakho lokuthengisa eliphezulu li-$ 399,000, musa ukumisela uphando lwepropati ngenqaku eliphezulu lokugqibela lexabiso le-399,000. Uya kulahlwa amakhaya angama-399,950 ayi-3, 950 kunye nalabo abalwe kwi $ 405,000.
Uhlobo lwamaxabiso ohlobo abathengi abathengi:
- $ 275,000 ukuya kwii-299,000 zamaRandi. Oku akubandakanyi amakhaya adweliswe ngaphantsi kwe-$ 274,999 okanye ngaphezulu kwe-$ 299,001.
- Ama-250,000 ukuya kwii-275,000 zamaRandi. Oku akubandakanyi amakhaya adweliswe ngaphantsi kwe-$ 249,999 okanye ngaphezulu kwe-$ 275,001.
- $ 225,000 ukuya kuma-250,000. Ezi zinto azibandakanyi amakhaya angaphantsi kweedola ezingama-224,999 okanye ngaphezulu kwama-$ 250,001
- $ 200,000 ukuya kwii-225,000 zamaRandi. Oku akubandakanyi amakhaya angaphantsi kwama-$ 199,999 okanye ngaphezulu kwe-$ 225,001.
Uyabona ingxaki. Nangona kunjalo amaninzi amanxusa athabatha uluhlu ngaphandle kwezi zixabiso zamanani, ezinokukusebenzela. Ezinye i-ejenti zinamathele kumanani aphindaphindiweyo kwaye ziya kuthatha uluhlu lwazo zombini, umzekelo, njenge-$ 222,222.
Abathengi abakhangela ixabiso elincinci lama-225,000-mali abayi kuphinda bafumane uluhlu oluqingqiweyo lwexabiso xa benganaki ukwandisa amaxabiso abo.
Ukushisa kweMakethe kuthinta amaxabiso
Ukushisa kweemarike kushushu, kubanda okanye kungathathi hlangothi . Ukuba uhlala kuthengisa kwiimakethi yomdayisi, yazi ukuba abathengisi baya kufumana ixabiso lokubuza. Kwezinye iimeko, abathengisi baya kufumana amanini amaninzi , oku kubangela inani eliphakamileyo kunexabiso lohlu. Ukuba umlinganiselo wakho ophezulu, yithi, i-$ 300,000, kufuneka ukuba unamathele kakhulu kwixabiso elingama $ 300,000.
Nangona kunjalo, ukuba iyimakethe yomthengi , amaxabiso athambileyo. Oku kuthetha ukuba abathengisi abaninzi baya kuxoxisana nawe, kwaye kushiya indawo ukuba ukhangele amakhaya aphezulu.
Thelekisa iMbali yoLuhlu lwamaxabiso kwiirhafu zexabiso lokuthengisa
Buza i- arhente yakho yendawo yokuhlala ukuba uprinte imbali yeenyanga ezintandathu ezedlule okanye ngaphezulu kwemisebenzi yokuthengisa kwindawo yakho ejoliswe kuyo. Thelekisa uluhlu lwentlupheko yangaphambili kwintengo yokugqibela yokuthengisa. Ukuba ixabiso elithengisiweyo liphantsi kweloluhlu lwamanani, ingaba ngaphantsi kangakanani na?
Khangela onke amakhaya kuloo ndawo kwindawo yexabiso lakho. Bonisa umlinganiselo wexabiso lothengiso oluqhelekileyo xa kuthelekiswa nomyinge wexabiso eliqhelekileyo. Ngokomzekelo, ukuba amaxabiso athengiswayo athengiswa ngama-315,000, kodwa amaxabiso amanani ahlukileyo angama-329,500 amawaka, umehluko ngu-4.4%.
Ngoko, ukuba ubuninzi bakho bangama-300,000, unokucinga ukuba amakhaya athengwa kwi-$ 312,500 kwaye uthumela isithembiso esiphantsi.
Le fomyula isebenza kakuhle xa amaninzi amakhaya athengisa. Ngokuthengisa okumbalwa, imilinganiselo ayifuni, kodwa usenokukwazi ukufumana ipesenteji zokuphuhlisa kumakhaya ngamnye ukuze ufikelele kwisilinganiselo esifanelekileyo sokusebenzisa.
Bonisa umfanekiso wokuThengisa
Ungalindeli i- arhente yoluhlu ukuxelela ukuba kutheni umthengisi uthengisa. Amagcisa abonisa ngokuzithandela olo hlobo lwazi angaphula ulwalamano lwabo lokuthengisa kumthengisi. Akunjalo ukuthetha ukuba abanye abayithandi njengomso xa bexinekile.
Amanye amakhaya athengisa kwizaphulelo ezinkulu xa ufumana umthengisi okhuthazayo . Laba bathengisi aba:
- Ukuhamba ngenxa yokufuduswa kwemisebenzi
- Ukwahlukana xa kuthengiswa
- Ukungena ekungeneni
- Abagqatswa ngokuthengisa abafutshane
- Ukuxhaswa ngezezimali ngemali
- Ukutshata
- Wathengisa elinye ikhaya ngokubhekiselele ekuthengiseni
Hlola iintsuku kwiMarike
Akuqhelekanga kuyo nayiphi na imarike ye-arhente yendawo yokuhlala ukuba ithathe uluhlu oluphezulu . Leyo yimizi ehlala kwiimarike ixesha elide. Cinga ngokukhangela amakhaya angaphezu kwamaqondo angama-90 kwiimarike . Akukho nto iphosakeleyo kubo kodwa ixabiso.
Kwaye bangaba ngabaviwa abakhulu bokunciphisa intengo . Ukuba ufika kubo kuqala, unokubetha ukhuphiswano.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.