Ingaba ngaba abathengi babekho ngakumbi ukuba bakholelwe uqikelelo lwexabiso ukusuka kumgcini we-appraiser?
Izizathu zokuba i-appraisal ayinakunceda xa kuthengisa ikhaya
- Kubaqalayo, abahloli bee-appraisers banjengeengcali kukho nawuphi na umsebenzi, abanye bahle kakhulu kwaye abanye babengafumani ipropati eneemephu ezimbini kunye ne-flashlight. Ii-Appraisals azikho isiqinisekiso soxabiso. Ngamanye amaxesha, i-appraisal ayikho uqikelelo lwexabiso. Kwamanye amazwe, i-appraisers ayinakufuneka ilayisenisi. Ngaphandle kokuba umthengisi abe nolwazi lokuqala ngomfundi othile, akukho ndlela yokuziva eqinisekile ukuba uvavanyo luya kuchaneka.
- Abahloli bangenza iimpazamo. Ukuba u-appraiser engaqhelanga nommandla okanye iipirks zayo ezinokuthi ziphazamise kwixabiso, uvavanyo lwalo lungaphelelanga. Indlela esetyenzisiwe ngabaninzi bee-appraisers ukuseka ixabiso lemarike kukuthelekisa amakhaya afanayo kwiimeko ezifanayo ezisandul 'ukuthengiswa. Ngamanye amaxesha, amanxusa asusa iifoto emva kokuvalwa kwi- MLS . Ukuba umhloli weefrafikha akazange abukele ngaphakathi kwindlu, umenzi weefowuni angasebenzisa ngokungaqhelekanga ikhaya elidinga ukulungiswa njengentengiso efana nokuhlaziywa ekhaya.
- Abahloli abanako ukufumana yonke into efunekayo. Mhlawumbi ndifumana enye umnxeba ngeveki evela kwisixhobo sokubhenela ndibuza malunga nokuthengisa kwam kutshanje. Abahloli be-appraisers bafuna ukwazi ukuba kukho into engavumelekanga malunga nekhaya, nokuba umdayisi wahlawula iindleko zokuvala umthengi okanye ukuba kukho ukunikezelwa okukhethekileyo. Akunakwi-arhente yonke yeendawo ezikhoyo ukuphendula le miba yemibuzo kwaye akusiyo yonke i-appraiser ebuzayo, kunye neentengiso eziphezulu ezingenakho ukukhumbula iinkcukacha zento nganye.
- Abahloli bahluke ngokubaluleka komnye nomnye, kwanokuba abahloli bee-appraisers abayi kuvuma ngaso sonke isikhathi. Buza ama-appraisers ama-3 ngombono wexabiso, kwaye uya kufumana iimvo ezi-3 ezahlukeneyo. Yingakho ngezinye iinkcukacha abathengisi babuza ama-agent angama-3 e-real estate ngoluvo lwexabiso kwaye aphelise ukwenza iphutha elibi kakhulu kumdayisi xa bekhetha i-arhente enika ixabiso eliphezulu.
Indlela abathengi bavakalisa ngayo izindlu zokuthengisa
Ixabiso lentengo lekhaya liyingxenye yobugcisa kunye nenxalenye yesayensi. Xa abameli bezindlu zilungiselela ukuhlalutya kweemarike zithelekisayo, sizama ukujonga ukuba umthengi uya kulihlawulela kangakanani ikhaya kunye nexabiso apho umthengi oza kubakhombisa khona. Ezi zithethe zingaba manani amabini ahlukeneyo.
Ngamanye amaxesha abathengi badidekile xa bethenga ikhaya. Ngokuqhelekileyo baqhathanisa izindinganiso phakathi kwamakhaya abaye batyelela, ngoko abazi ngokwenene ukuba banganisekisa njani ukubaluleka xa izindlu kuphela abazibonayo zithengiswa ngamakhaya. Bayazi ukuba ngabaphi abanye abathengisi babuza amakhaya abo, kodwa kaninzi abawaziyo ukuba yimaphi amakhaya asekuhlaleni athengise kwaye athile kangakanani.
Ukuba banikwa ukuthengisa okufanayo, abathengi ngokubanzi abanalo ulwazi olwaneleyo lolwazi ukuze bakwazi ukulungelelanisa ukuhluka phakathi kwamakhaya. Basenokuzama ukuthelekisa ikhaya elinamanzi kunye nokuphuculwa ukuya kwikhaya elincinci ngaphandle kwekhefu kwaye banesidingo somsebenzi kwaye abanaso ncamvo ingcamango yokuqulunqa umma kwimali. Ukongeza ukugxeka kwingozi, i-arhente yabo mhlawumbi ayayazi, nokuba.
Ngokomzekelo, umthengi unokuxelelwa ukuba ikhaya elilandelayo lithengiswa ngeedola ezingama-300,000. Oko kuya kukwanela ukwenza umthengi akholelwe ukuba kufuneka akwazi ukunikela nge $ 300,000 kwikhaya elithengiswa kuyo.
Nangona kunjalo, ikhaya elithengiswa ngasemva kwelo khaya linokuba nelinye igumbi lokulala kunye nokuhlambela, oku kuthetha ukuba mhlawumbi kunokufaneleka ngakumbi. Ingakanani ikamelo lokulala kunye nokuhlambela? Abathengi abazi.
Abathengi bavame ukwenza isigqibo malunga nemali esekelwe kumakhaya athathisanayo athengiswayo. Ukuba batyelela ikhaya elisekhaya eliphezulu , umzekelo, oko kuya kwenza ukuba amakhaya axabisekileyo abonakale njengentengo. Basenokubuza i-arhente yabo yendawo yokuhlala ukuba kufuneka bahlawule kangakanani, kwaye i-arhente isenokuthi, umzekelo, ukuba isilinganiso semali esithengiswayo-intengo-intengiso-ye-98%, ngoko i-arhente ingakhombisa ukunciphisa intengo ye-2% .
Abathengi akufanele bacele i-arhente yendawo yokuhlala ukuba banani ukunikela ngekhaya. Uninzi lwama-agent alinakunqweneleka ukuphakamisa intengo yokunikezela njengoko ingekho ikhaya labo kunye nabanye, ndiyayivuma ukuvuma, abafanelekanga ukuphendula.
Umthengi kufuneka acele i-arhente yendawo yokuhlala ukunika umthengi ulwazi olwaneleyo ukwenzela ukuba umthengi angenza isigqibo esinolwazi.
Ezinye izizathu zokuba i-appraisal payer ehlawulwayo ingabalulekanga
Esinye sezizathu eziphambili ukuhlolwa kokuhlawula umthengisi phambi kokubeka uluhlu lwekhaya kuya kuba yinkcitho yemali kumthengisi ngenxa yokuba umthengi angenakuthemba ukuvavanya. Umthengi unokucinga ukuba umthengisi wancenga ukuba u-appraiser afike kwixabiso elingaphezulu kunokuba lilungiswe lula kuba abathengi badla ngokusola. Abathengi bavame ukuziva bexolisa ngenxa yokuba baxakeke kwiimeko zangaphandle, ngakumbi kunokuba nantoni na eyenziwa ngabangaphantsi.
Ngaphezulu koku, umthengi womthengi ngokuqinisekileyo AKAZAKUMBI ukuhlolwa kokuthengisa. Umthengi uya kusadingeka ukuba ahlawule imali ehlukeneyo yokuvavanya ukufumana imali. Ngaphezu koko, kunokwenzeka ukuba umnini-mboleko wathengi angadinga ukuhlolwa kongeziweyo, ngaphambi kokuba kuvalwe, ukujonga ukuchaneka kovavanyo lokuqala. Ngenxa yokuba ababolekisi bafuna ukunyaniseka ukuba akubona onke ama-appraisals, ngakumbi ukususela ekuphunyezweni kwe- HVCC , ichanekile. Ukungathethi, ekubeni ukuhlaselwa kwemarike ka-2008, ababolekisi namhlanje bayaqonda ukuba ukuvavanya okulungileyo kukuphela kokuqikelelwa okulungileyo kwexabiso kunye nokulinganiswa kuyahluka.
Nangona uqikelelo lwe-ajenti yexabiso lexabiso lungekho uvavanyo lwangaphandle kwaye akufanele lithathwe njengolu hlobo, amanqaku amaninzi akwenzayo angenza umsebenzi olungeleyo wokuqikelela uluhlu lwamaxabiso olusekelwe ekuthengiseni okuthelekiswayo kunye nokunyuka kweemarike. Esinye sezizathu esenza ukuba kubekho bucks.