Umbuzo: Ndingayifumana njani ukuthengisa okufutshane?
Umfundi uyabuza: "Ndingayifumana njani ivenkile yokuthengisa kwi-Intanethi kwi-MLS?" Ezinye zezi zihlomelo zithengiswa ngokufutshane, kodwa ezinye zithenganga ngokuthengisa okufutshane. le ngcaciso ayifumanekanga kuluntu? "
Impendulo: Zonke iinkqubo zeMLS zihluke, ngoko ke izihlomelo ezithengiswayo ezimfutshane azibonakali. Kubonakala ngathi kukho intshukumo ekuboneni uludwe olufutshane lweentengiso ngenxa yokuthumela iingxabano .
Xa ama-arhente elwa nemali, iisistim zisoloko zifakwa ngokukhawuleza ukugcina iingxabano zingenzeki. Amaxesha amaninzi alwa namanye amanxusa ngemali. Yimfazwe efanayo.
Yintoni Intengiso Efutshane?
Ukuthengisa okufutshane kufumaneka ukuba xa kuthengwa ixabiso lepropati okanye ukuhlaziywa kwee- appraisals zithengwa ukuthenga, okwenza loo propati ibe yinto engaphantsi kwexabiso lemali. Oku kuthetha ukuba umthengisi angena kwisivumelwano sokuthenga ukuthengisa ngemali engaphantsi kwendawo yokuhlawula imali yangoku ekhaya, ukuba umdayisi akayi kuzisa imali ukuvala , umboleki-mali makamkele ukuthengiswa okufutshane . Kungenxa yokuba umnini-mboleko uthatha ilahleko ukuba avumele umvuzo ungaphantsi kwexabiso elihlawulwayo.
Ukuthengiswa okufutshane kunokuphinda kwenzeke ukuba kukho imali eyaneleyo yokuhlawula zonke iindleko zokuthengiswa kunye nokuboleka imali. Kungenzeka ukuba uthengise ikhaya elingaphezu kwemali yokuthenga imali kodwa ke ukuthengiswa kuya kuba mfutshane kuba akukho mali eyaneleyo kwimali yokuhlawula zonke iindleko umthengisi kufuneka athwale ukuthengisa.
Ngokuqhelekileyo, ukuthengiswa okufutshane akuyiyo indawo yokuthengisela umthengi. Akuthethi ngaso sonke isikhathi umthengi uthengisa impahla phantsi kweemarike, kwaye kunokuthatha ixesha elide ukuvala, ukuba livale konke, phakathi kwezinye izizathu. Ababo bonke ababolekisi baya kuvuma yonke intengiso emfutshane, kwaye amaninzi amanani athengiswayo athengiswayo ayilona xabiso lenene .
Abafundi bafundela oko kuthatha ukuthengisa ikhaya.
Xa unamava amaninzi aphethe i-short-term sales, mhlawumbi ixabiso lifanelekileyo kwaye liyamkeleka kumboleki. Ezinye iimbosa zenza amaxabiso kwaye zididekile xa kuthengiswa kwabo okufutshane.
Iingxowa-mishini zoThengiselo olufutshane
Ingxaki ivela xa i-arhente ithatha uludwe kwikhaya elingasetyenziswanga, oku kuthetha ukuba umthengisi usenza iintlawulo kumboleki. Ngethuba lexesha lokubhengezwa kwekota , ukuba iSaziso soMfihlelo sifakwe, oku kungatshintsha imigaqo yohlu. Ngoku liba luhlu olufutshane lokuthengiswa , ngokuxhomekeke kuthumelelwano lwentengiso ngumboleki.
Kwi-Sacramento MLS, imigaqo yethu ibonisa ukuba i-arhente imibono - leyo abantu abakuboniyo-kufuneka iqulethe i-verbiage echaza ngokuthe ngqo ukuthengiswa kunikezelwa ukubolekisa imvume kunye nendlela ukungafani ngayo, ukuba kukho, kwi-khomishini iya kwahlulwa. Oku kungenxa yokuba uluhlu lubonisa inani elilodwa kwaye umboleki-mali angavuma imali ehlukile.
Abathengi abancinci bayaphuhlisa ikhomishini, bhatala ngaphantsi komthengisi uya kuhlawula. Elinye i- arhente yokurhweba ayifaki ukufaka i-verbiage malunga nekhomishana encinci Ngethuba lokulinda , i -ejenti yomthengi inxininise ukuba i-brokerage yakhe inelungelo lemali ebekwe ekuqaleni kwi-MLS.
I- arhente yokurhweba iphelile ekunikezeni i-chunk enkulu yekhomishini yakhe kummeli womthengi.
Ukufumana uluhlu olufutshane lokuthengisa
Iintengiso zincinci kakhulu zidweliswe ngabameli bezindlu . Uya kufumana ezi zihlomelo kwiwebhusayithi zendawo kunye nakwi-MLS ukutya kwiindawo ezahlukeneyo. Abanye ababolekisi baye bakhalaza ngeentengiso ezichazela ikhaya njengentengiso emfutshane, kuba abathengi bazivakalelwa kukuba bazincipheko xa kuziwa kwixabiso lentengo . Zilungile. Umthengi ngokubanzi unikezela ngaphantsi xa kuthengiswa njengentengiso emfutshane.
Ukuba unako ukufikelela kwimigqaliselo yokukhangela, qwa lasela apho ixabiso elifutshane eliza kuvela khona. Kungenzeka kube phantsi kwe "status modifier" okanye ingaba neenkcukacha zokuthengisa. Khetha loo ndawo njengegama lakho lokusesha.
Funda uluhlu ngokuchanekileyo. Unokuba ukhangela ukuthengiswa okufutshane , okuya kuthetha ukuba ikhaya alithengiswayo okanye ukuba kuphela ukunikezelwa kwe-back-up kuyakuqwalaselwa.
Ukuba ubona igama elithi "lingqongqo," oko kuya kuba yinkcazelo yakho. Kwakhona, qaphela ukuba ezinye iiwebhsayithi ezithandwayo zingaba neenkcukacha ezichongiweyo njengengqangi. Ezi azinalo ukuthengisa okufutshane kwaye azithengiswa.
Amagcisa amaninzi asele ngamazwi achaza uluhlu njengentengiso emfutshane. Khangela la magama alandelayo:
- Ngokuxhomekeke kwimvume yebhanki .
- Preforeclosure
- Isaziso soMgaqo
- Nika ibhanki ithuba lokuphendula.
- Ukuqinisekiswa kwangaphambili ngebhanki.
- Ekhankanywe kwintengiso
Ngaphezu kwakho konke, qeshisa i-ejenti eyazi kakuhle ekuphatheni ukuthengisa okufutshane kwaye unokukucebisa ngeenkqubo, kubandakanywa namasiko asekuhlaleni. Ukuba unemibuzo yomthetho , nceda ucele ugqwetha ukuba ufumane iingcebiso kunye nesikhokelo.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.