Umbuzo: Kuthetha ukuthini ukuthengiswa okufutshane okufutshane?
Umfundi uyabuza: "Xa ndijonga amakhaya kwi-Realtor.com, ndibona amakhaya epapashwa njengento 'yokuthengisa emfutshane.' Ngaba unganditsho isizathu sokuba abanye bathi bavunyelwe kwaye abanye bangaboni? Ngakumbi, xa ndibiza ii-agents ukuba bafumane ulwazi oluthe vetshe, bandixelela ukuba banikeze ngaphezu kwexabiso lokubuza, kwaye andazi ukuba kutheni. iyimpahla emfutshane evunyelweyo, kutheni umthengisi afuna imali engaphezulu? "
Impendulo: Ukuthengisa okufutshane kuyinkqubo enzima, ngoko ndiyakwazi ukuqonda ngokupheleleyo ukudideka kwakho. Ukulinda imvume yokuthengisa emfutshane kunokude kakhulu, kwaye ngamanye amaxesha abathengi balahlekelwa ngumonde.
Enye i-quirk encinci malunga nokuthengiswa okufutshane kukungenxa yokuba bangamaxabiso athile xa kuthengiswa . Abanye abameli bawahlula phantsi ngenjongo yokuthabatha izibonelelo ezininzi . Ngoko ke, ukunikezelwa kwebhanki kuyamkelwa kakhulu kunoluhlu lwamaxabiso kuba abathengisi bavame ukukhetha isipho esiphezulu sexabiso.
Nantsi ukujonga ngokukhawuleza kwenkqubo yokuthengisa emfutshane:
Yiyiphi iSivumelwano esifanelekileyo sokuthengiswa?
Iibhanki ngokubanzi azivumeli ukuthengiswa okufutshane ukuze ibhanki ithole isipho esivela kumthengi. Ngoko, indlela eqhelekileyo yokuthengiswa kwempahla emfutshane ingavunyelwa kukuba umthengi angenise isipho kwaye athole loo mnikelo uvumelekile. Yile ndlela ukuthengiswa okufutshane okuhamba ngayo:
- I-Agent dwelisa ukuthengiswa okufutshane .
- Umthengisa uthengisa amaxwebhu afunekayo kumthengisi kwi-arhente.
- Umthengi uhambisa umrhumo ophantsi kokunikezelwa kwemvume .
- Umthengisi ubonisa isithembiso somthengi.
- I-arhente ye-Listing ithumela ipakethe yomthengisi, isipho esamkelekileyo kunye ne- HUD kwibhanki elifutshane lokuthengisa.
- Umthengi ulinda ngokuxhalabisa, mhlawumbi ngeenyanga.
- Ileta yokubhengezwa ngokufutshane ifumaneka ngegosa.
- Ummeli ubiza i-ejenti yomthengi ukuhambisa iindaba.
- I-ejenti yomthengi ikwazisa i-agent yoluhlu ukuba umthengi uthenge enye into.
- Umthengi ukhansela umthengi.
- I-arhente ye-Listing iyayichaza i-ejenti yomthengi kwaye ibuyisele ekhaya kwikarhwebo njengentengiso emfutshane.
Kwaye oko kukuthi ufumana njani ukuthengiswa okufutshane. Ubuncinane uyazi ukuba umthengisi uqeqeshe ukuthengiswa okufutshane kunye nexabiso lokuthengisa livunyiwe, kwaye ezo zimbini ziyinxalenye ezibalulekileyo ezenza okanye zaphule ukuthengiswa okufutshane.
Ngamanye amaxesha, kunye nomthengi ukukhansela, kuyilinen yesilivere. Inkqubo yokuvunywa elandelayo iya kuhamba ngokukhawuleza, kwaye ukungaqinisekiyo okunokubandezela abanye abathengi kususwe.
Emva kokuthengiswa okufutshane kukuvunyelwene kunye neentengiso zeThengi
Abathengi abasoloko bayikhansela ukuthengiselana xa befumene ileta yokuvuma yokuthengisa emfutshane. Ngokuqhelekileyo umthengi usenomdla ekuthengeni ikhaya kodwa ukhansela ezinye izizathu. Iimvumelwano ezininzi zendawo yokuhlala zinika abathengi amalungelo athile okuhlola kunye neenkontileka , ezinika umthengi ilungelo lokuhamba. Nazi ezinye izizathu umthengi angakhansela ukuthengisa okufutshane okuvunyelweyo:
- Ikhaya lifuna ukulungiswa okuninzi kwaye ibhanki ayiyi kuhlawula ukulungiswa.
- I-appraisal yafika ephantsi, mhlawumbi ngenxa ye- HVCC , kwaye ibhanki inganqwenela ukuvuma ixabiso eliphantsi lokuthengisa .
- Umthengi akafanelanga ukuboleka imali kwaye akakwazi ukwanelisa izimo zezimali zeendleko.
Ingaba umthengi omtsha angavalwa kwiSatifikethi esifutshane esifanelekileyo
Ngokuqhelekileyo, isithembiso somthengi omtsha kufuneka simelane ngokukodwa kwimigqaliselo yesaziso esithengiswayo esifutshane, kodwa oko kusebenza kuphela ukuba incwadi yokuvuma ayibhalisi umthengi othile.
Ukuba incwadi yokuvunyelwa ikhethekileyo kumthengi, ngoko i- arhente ye-intengiso yentengiso emfutshane ingafuna ukucela unobumba olutsha olutshanje lokuthengisa. Ngokuxhomekeke kwibhankini, ukucela incwadi entsha yokubhengezwa kwintengiso emfutshane ingaqalisa kakuhle inkqubo yonke yentengiso emfutshane ukususela ekuqaleni.
Ukuvalela kwi-imeyile yokufumana imvume, oku kulandelayo kuya kufuneka ukuba kwenzeke:
- Imigaqo yesondlo esitsha kufuneka ifane nomnikelo owamkelweyo kwaye ungeniswe kwixabiso elifanayo elivunyiweyo lokuthengisa .
- Ileta yokuvunyelwa akufanele ibe yinto ethile kumthengi wangaphambili.
- Umthengi kufuneka avaliwe ngomhla okhankanywe kwi-letter yokuvunyelwa kwintengiso emfutshane okanye ukongezwa okufunekayo.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.