Yintoni ehlala kunye neNdlu emva kokuQala kwangaphambili?
Kodwa loo nto ayigxininisi abanye abanikazi basemakhaya abasuka kwiintshona zokubetha iindonga ukuze baqothule i-Romex yocingo okanye iibhobho zethusi kunye nokuzithengisa kwi-alleps alleys.
Abanye abanikazi bezindlu abangalunganga, bathukuthele ebhankini ngokucima, bacinga ukuba ngandlela-thile ivumelekile ukuba iguqule ikhaya libe yindlala.
Abayeki ukucinga ngemiphumo yesibini esilandelayo yabathengi basekhaya bokuqala abaye baqhawula, basindiswa baza basebenza nzima ukuba bathenge ixabiso lemali elisezantsi kweemarike, "njengokuba" imeko, ukusuka umboleki-mboleko ongenakukuthengisa kumanyathelo enkundla ye-county ngenxa yokuba ikhaya lalixhatshazwa ngabahlali balo bangaphambili.
Iimpahla ezivela kwiKhaya kwiNgqungquthela
Ndikhangele emakhaya amaninzi emva kokungcwatshwa kunye ne-cringe kwinto engayifumana ngaphakathi xa ndibeka isitshixo kwisitshixo, ukubonelela, kukho ikhekhi okanye umnyango. Ikhaya lokugqibela le-REO ndandichukumisa ukuba umnyango wangaphambili wenyuka ngenxa yokuba umnyango wawungekho.
Ezi zinto zilandelayo zii-asethi, izinto ezingafanelekanga zisuswe kwikhaya elisekugqibeleni:
- Iikhabhinethi kunye neengqongqelo zokulwa
- Izixhobo ezifana nezitofu, ezakhiwe kwii-microwaves, i-dishwashers, njl.
- Iifutha kunye namaqumrhu omgangatho womoya
- Iipayipi zombhobho nobhedu
- Romex okanye enye i-wiring yombane
- Izixhobo zokukhanyisa kunye nabalandeli beenqwelo
- Iingcango kunye neehadi
- Umququzelelo, izilwanyana kunye neendonga
- IWindows ne-vents
- Iibhakethi zonyango, izitya, iibhubhu, izindlu zangasese kunye nemvula
- Ukucima amanzi kunye neephampu
- Ukwakhiwa kwe-shelves / ibhasikidi
- Ukubeka indawo, ukucima, ukufakwa kwamachibi kunye ne-spas
Abanikazi beeMpahla zeKhaya bangasusa kwiiNdawo eziQiweyo
Ukuba umninikhaya ushiya impahla yakhe, umnini-mboleko uya kubamba loo nto. Ukuba umnini-mboleko uyabagcina, umninikhaya unokuhlawuliswa ukugcinwa.
Nazi izinto umnikazi wendlu angasusa ngaphandle kokutshutshiswa okanye ukulungiswa kwemithetho ebhankini:
- Zonke izinto ezizodwa ezingazange zitshintshelwe kumalungiselelo xa zingeniswa kwikhaya ngumnini onjengenitshala, iimpahla kunye nezinto eziqhelekileyo zasendlini ezifana nezitya, ipaneli kunye nesiliva
- Izibuko ezizikhululekileyo
- Ubugcisa bomntu kunye neefoto ezivela kwiindonga
- Itafile ezipakamileyo kunye nezibane zomgangatho
- Izilwanyana kunye nezinto ezinxulumene nesilwanyana ezifana nezindlu zezinja, i-aquariums, iinqaba zeentaka
- Iyakususwa ngokukhawuleza (ayifaki) iifestile zamehlo ezifana neerpe okanye iilethini
- Amafriji, ama-washhers kunye nabomisi, ii-televisions, iikhomputha kunye nezixhobo ze-stereo
- Phonsa umbhoxo kunye nombhoxo wendawo
- Izityalo ezingaphandle
- Amafowuni ahambayo kunye nama-heaters
Ukutshatyalaliswa kwezindlu kwiNgqungquthela
Akukuhle ukupakisha iindonga okanye iifestile ngemifanekiso eqingqiweyo okanye ukumakisha. Ndabona amakhaya apho iifestile nganye ibonakala ngathi yenziwe yi-baseball bat. Abanye abahlala ngaphambili bafaka iimfesi kwiimitha eziphezulu okanye phakathi kwendawo yokulala. Omnye unokucinga nje apho ezinye iziphunga zivela khona.
Ngamanye amaxesha abanikazi bezindlu bavula onke amaphephelo amanzi kwaye baxhamle iimfudu ngaphambi kokuhamba.
Abantu abachitha indlu balahlekelwa yi-foreclosure abayikulimaza ibhanki ngezenzo zabo ezingekho mthethweni. Zilimaza abathengi basekhaya abangenacala, njengokuba babekade bekhona, banethemba lokufezekisa iphupha laseMerika elikulo loninikhaya. Ngamafutshane, abanikazi abahlamba amakhaya abo bazilimaza ngokwabo.
Kuyinto engenangqiqo, isisiphukuphuku ngaphezu kwayo yonke into, ukuchithwa komonakalo kukuchasene nomthetho.
Yintoni eyenzekayo kwabanini beekhaya ababetha izindlu zabo?
Ngokommeli ovela kwi-Downey Savings kunye neNgxowa-mboleko, yinkampani yomshuwalense yomnini-propati ekhuselekileyo ekuqhubekeni nokutshutshisa abanikazi basekhaya abayichitha okanye bahlule amakhaya abo ngenkqubela. Xa ibhanki ithola isihloko kwikhaya ngokuqhubeka kweenkqubo zokungcebeleka, ezininzi iibhanki zithumela ibango le-inshurensi kwenkampani yomshuwalense ekhoyo ukukhawuleza umonakalo kunye nezinto ezingekho phantsi kwepropati.
Iinkampani zomshuwalense zihamba ngokulandela abalimi kuba inkampani ijongene nokulahlekelwa ngenxa yokuziphatha komninikhaya. Ndikholelwe, iinkampani ze-inshorensi zingapheliyo, zizimisele ukuqokelela kwaye ziya kutshutshisa ngokupheleleyo kumthetho. Baya kuhlaziya umvuzo kwaye babambe iakhawunti yebhanki emva kwesigwebo.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.