Indlu yokuThengisa imfutshane embi ingenakuze ihlale isondele
Kwezinye iimarike zendawo yokuhlala , ngaphantsi kweyodwa kwi-10 yokuthengisa okufutshane. Kungenxa yokuba le ndlu ibhalwe njengentengiso emfutshane ayithethi ukuba iyithengiswa ngokwenene (kuba iphantsi kokuvunyelwa kwemali-mboleko), kwaye akuthethi ukuba iya kuthengisa ngexabiso elipapashwe.
Nazi izinto ezi-6 oza kuziwa ngaphambi kokuzama ukuthenga loo ntengiso emfutshane.
Ukuthengiswa okuthelekiswayo kwiNdlu yokuThengisa emfutshane
I-short sales yokuthengisa endiyibhengezayo kwi-Sacramento nayo yonke intengo ephantsi ngeentengiso ezifaniswayo , kodwa zithengwa ngentengo ngokulandelelana kweentengiso. Ngoba? Ngenxa yokuba ukuthengisa okufutshane kukuthabathela kwiinyanga ezi-2 ukuya kwezi-4, ngokuqhelekileyo, ukuvala, kunye nokuthengisa okulindelekileyo kuya kuba yintengiso efana nokuvalwa.
Ezinye iimveliso ezimfutshane zithengiswa ngokunyaniseka. Ephantsi kangangokuba ibhanki yabathengisi abayi kuze bamkele. Ezi ntlobo zoluhlu zifumana izibonelelo ezininzi . Kodwa zonke azilahlekanga. Kuya kufuneka ukuba ixabiso elikufutshane nexabiso lemarike ukuze ufumane isipho sakho. Ukuba awulungele ukuhlawula ngaphezu kwexabiso elingenanto kwibala eliphantsi lokuthengiswa kwebhola , uze udlule.
Iimali zokuThengisa, Inani leMali kunye nababoleki
Buza i-arhente yakho ukuba uphando malunga nokuba uhlawulwa kangakanani na ekhaya kwaye ufumane inani lemali-mboleko ebhaliweyo. Isibini okanye yesithathu semali-mboleko mboleko iya kufumana amanqwanqwa xa kuthelekiswa nomlinganiselo ophezulu kumboleki kwisikhundla sokuqala uya kufumana.
Ngaphezu koko, abanye ababolekisi, abafanelekile okanye abanalo, baziwa ngokuba nzima ukuba basebenze. Ukuba i-arhente yakho igosa elithengiswayo elifutshane , uyazi ukuba ngubani na o babolekisi kwaye unokukucebisa ubunzima obuya kuhlangana nabo.
Ukuba isibonelelo sakho sibe ngu-20% okanye i-30% yesixa semali esetyenziselwe imali, akunakwenzeka ukuba isibonelelo sakho siya kubona ukukhanya komhla kwideskiti yothetha.
IRekhodi Yomkhondo Yomthengisi Omfutshane
I-arhente yoluhlu oluthengisa ukuthengiswa okufutshane kodwa engazange ivalwe ukuthengiswa okufutshane kuyisiphakamiso esiyingozi kuwe. Kungenxa yokuba kufikelela kwi -arhente yokurhweba ukuthumela ipakethe yokuthengisa emfutshane kumboleki kwaye uxoxisane. I-ejenti yakho yomthengi ayikwazi ukuthetha nebhanki.
Abanye abameli bezahlulo baqesha iinkampani zangaphandle ukuba zenze umsebenzi wazo, kwaye iziphumo zezo ngxoxo zidla ngokukhawuleza. Zibuze, ngaba ufuna ukubeka umngcipheko ukugatya ukuthengwa kwakho okufutshane malunga ne-arhente yoluhlu akanawo amava?
IziQinisekiso zokuThengisa okuTshane
Fumana ukuba i-arhente yoluhlu ifumene iphakheji elifutshane elithengisiweyo lokuthengiswa kumthengisi, kwaye ubuze malunga nokuqulethwe kwiphakethi. Iphakheji elifutshane elifutshane lokuthengisa liqukethe, ubuncinci, oku kulandelayo:
- Ileta yobunzima beentengiso
- Imbuyekezo yentela
- W-2s
- Iikhokhsi zemivuzo
- Isiteyithimenti sezemali
- Ingxelo zeBhanki
Abanye abathengisi abafuni ukusebenzisana kwaye bancipha ukubuyisela la maxwebhu. Abanye abazange baxelelwe ngegosa labo ukuba la maxwebhu anyanzelekile. Awufuni ukuba ukuthengwa kwakho okufutshane kukulibazisekile ngenxa yokuba i-arhente yokurhweba ayinayo imibhalo efunekayo.
Inani leeMpahla ezimfutshane zokuthengiswa ezifunyenwe
Izindlu eziphantsi kwexabiso lemarike ziya kufumana izibonelelo ezininzi .
I-arhente ayimfuneko ukuba adalule imiqathango yalezo zinikezelo, kodwa ufuna ukwazi ukuba uninzi lwezipesheli ochasene nazo.
Nantsi indlela esebenza ngayo ngokubanzi:
- Xa kuthengiswa kwekhaya elincinci kuqala kwiimarike, ukunikezelwa kokuqala kuya kuba yinto engaphantsi kwexabiso lentengiso.
- Okwesibini, kwinqanaba lexabiso.
- Isibonelelo sesithathu siya kuphakama, mhlawumbi nge $ 1,000 okanye $ 2,000.
- Isithembiso sesine siya kuba ngakumbi.
Ufuna ukwenza isipho esiza kukubetha ukhuphiswano kodwa kusekho ngaphantsi kweemarike, okanye ungachithi ixesha lakho.
Iinkqubo zokuThengisa ezifutshane
Nangona ii-REALTORS zifunwa yi- REALTOR Code of Ethics ukuphatha wonke umntu ngokufanelekileyo, kungekhona zonke i-arhente yi-REALTOR. Oku kuthetha ityala elifutshane lokuthengisa i-arhente inokugqiba ukuthumela isipho esisodwa kumthengisi kwaye unqande ezinye izibonelelo.
Ukubamba ezinye izibonelelo kunokubhekwa njengophulaphulo lobuhlobo lobuqili obubekwe phakathi kwe-arhente yohlu kunye nomthengisi.
Umthengisi unelungelo lokufumana ixabiso eliphezulu kunye nelona lifanelekileyo, kuquka zonke izibonelelo. Qaphela ukuba nangona isibonelelo sakho sithunyelwa ebhankini, njengoko ixesha lihamba ngethuba elinde ukuvunyelwa kweentengiso ezimfutshane , omnye umthengi unokukuphazamisa. Mthengise ukuba uthengise ukuba ufuna ukuphakamisa ixabiso lakho xa kuyimfuneko.
Ngexesha lokubhala, u-Elizabeth Weintraub, uBRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.