Umfundi ubhala wathi: "Bonke abahlobo bam bandixelela ukuba siya kusayina ubomi bethu kwikomfa yenkampani xa sibonisa ukuqeshwa kwethu kokuvala ukuze sisayine amaxwebhu ethu okuthenga ikhaya. Umntakwethu uthi ingalo yakhe yawa emva kokusayina yonke amaxwebhu akhe ekuthengeni ekhaya. Yintoni enokuyenza isayine engayithatha ixesha elide okanye ibe yinto ebandakanyekayo? Ndabuza umboleki wam, kwaye wathi kufuneka kuthathe imizuzu engama-20. ukusayina amaxwebhu okuthenga ekhaya? Ndiziva ndixhalabile ngoku. "
Impendulo: Ndiyakwazi ukuxhalabisa ngokusayinela zonke ezi phepheni zokuthenga ekhaya. Ndiya ku nya niseka kuwe, kuninzi iphepha. Eminye iphepha ngaphezu kokuba ufanele uthayine ukuthenga enye into ebomini bakho. Ziyimpapa ngaphezulu kunokuba abathengisi basekhaya kufuneka batyikitye. Amaphepha afunekayo ukuthengisa ikhaya ahlala esingaphantsi kwamaxwebhu umthengi kufuneka asayine ukuthenga. Inani elimangalisayo lamaphepha omthetho umntu kufuneka asayine ukuthenga ikhaya .
Sekunjalo, akukho sizathu sokukhathazeka. Into ebalulekileyo ofuna ukuxhalabisa ngayo kukuba iifayili ozenzayo zichanekileyo. Ewe, ukuba uhlawula imali, ikhaya elithengayo iphepha aliyona mininzi, kodwa abaninzi abathengi bahlawula ukuthengwa kwekhaya. Yiyo ibhanki efuna amaninzi amanqaku okuthenga ikhaya.
Ukutyikitya ikhaya elingabalulekanga ukuthenga amaxwebhu
Kuya kubakho amaphepha ambalwa omthetho obaluleke kakhulu kwaye amanye angabalulekanga.
Isibonelelo segranti asikho enye yala maxwebhu. Umthengi akawusayine loo nto. Oku kumangalisa abanye abathengi. Kuba ukuba uthengisa imoto, umzekelo, ungasayina idokhumenti yesihloko esamkela ubunini bemoto. Kuhluke xa uthengela ikhaya. Umthengisi uza kusayina isibonelelo segranti okanye uqinisekiso lwewaranti, kungekhona umthengi.
Amanye amaxwebhu aya kuba ngamafomu omthetho anokuqinisekisa ukuba awuzange ukhohlise nawaphi na amanye amaxwebhu awusayine. Kukho iindlela ezahlukeneyo zalolu catshulwa njengombhalo owodwa ochaza ukuba uthetha inyaniso akwanelanga kwiSebe lezomthetho lebhanki. Iifom zomthetho ziya kufakraza kwaye zibuye zibuye, kwaye maxa wambi amaxwebhu afana namaphepha adlulileyo kodwa umthengi wekhaya makasayine.
Musa ukugubha. Musa ukukhalaza. Ungavumi ukusayina. Mane usayine amaxwebhu okanye ukuvala kwakho kuya kulibazisa kunye / okanye nangemva kokukhalaza kwibhankini, unokwazi ukuba ungaya kwenye indawo ukuze ufumane i-mortgage ukuba ungayithandi amaxwebhu.
Unokuphinda ucelwe ukuba usayine amaxwebhu athi usebenzise amagama ahlukeneyo okanye unokusebenzisa amagama ahlukeneyo ukuba uye wacinga ukucinga ukuba uphumelele ngcamango kwixesha elidlulileyo. Ungasayina iifom ezahlukeneyo zomqondiso wakho, kunye neyokuqala, ngaphandle kokuqala, kunye negama lakho eliphakathi elikhankanywe, zonke iintlobo ezahlukeneyo ezinokwenzeka phantsi kwelanga. Yisayine nje.
Musa ukumangaliswa xa ubuzwa malunga nemeko yekhaya kwaye uyilinganise ukusuka kwizinto ezilungileyo ukuya ezilungileyo / ezilinganiselweyo / ezilungileyo okanye ezihlwempuzekileyo. Unokudinga ukuba usayine umnikazi wesitifiketi sokuhlala.
Le ngxelo ibhanki ingayisebenzisa ukubiza umnini-mboleko wakho ngenxa kwaye iyahlawulwa ukuba awuhambeli kwisakhiwo. Uninzi lwa maxwebhu lwenza umthengi angahlawuliswa okanye abe nemiphumo emibi ukuba ulwazi olunikezwa ngumthengi aluyinyani. Sekunjalo, umthengi kufuneka asayine onke loo maxwebhu ukuba umthengi ufuna iimboleko.
Ukusayina iPhaya eliPhambili lokuThengwa kwamaxwebhu
Ndisebenze kunye namagqwetha amaninzi afuna ukufunda onke amaxwebhu. Andibagxeli kuba kuba kuya kuhlazisa ummeli ukuba avume ukuba asayine incwadi ngaphandle kokuyifunda. Kodwa amagqwetha amaninzi awafundanga onke amaxwebhu athengiweyo asekhaya. Abathengi baseKhaya abanamagqwetha ngokubanzi, kodwa, bafunde amaxwebhu alandelayo kwaye bahlolisise iinkcukacha. Njengomthengi wekhaya, kufuneka, nawe.
- Inqaku lokumisela
Qinisekisa oku kulandelayo: Upelo lwegama lakho. Idilesi yepropati, kuquka ikhowudi ye-ZIP. Inzala yomyinge. Ibhalansi yenqununu yomboleko. Ixesha lokubuyisela. Ukuhlawulwa kwentlawulo, xa kukho.
- Imboleko okanye umsebenzi wethemba
Qinisekisa oku kulandelayo: Upelo lwegama lakho. Idilesi yepropati, kuquka ikhowudi ye-ZIP. Inqununu yenqununu. Imigomo yokukhawuleza okanye ukuhlukanisa .
- I-Statement yokuvala
Qinisekisa oku kulandelayo: Upelo lwegama lakho. Igama kunye nedilesi yomboleki. Idilesi yePropati. Agent settlement. Umhla wokuhlala. Umhla wokurekhoda / wokuvala. Intengiso yokuthengisa. Inani lemali engqongqo. Inani lemali mboleko entsha. Zonke iindleko zokuvala iindleko-ezibaluleke kakhulu, iimali eziyi-800, ezihlawulwa ngetyala.
Ukuba awuqondi iingxowa kunye neengxowa-mali, cela inkcazelo uze unelisekile okanye umonde wakho uphuma, okokuqala kuqala. Abantu abaninzi abanengqiqo, kuquka abo bezobugcisa bendawo, abaziqondi ukuba bafunde njani isitatimenti sokuvala. Bafumana izikweletu kunye neengxowa-mali zidideka.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.