Umthengisi obuza ukuba kufuneka sikhulise intengo yokuthengisa ingaba ngumthengisi okholelwa ukuba ikhaya lakhe lixabiso eliphantsi kakhulu. Isizathu sesibini esiqhelekileyo umthengisi uya kucinga ngokuphakamisa intengo yokuthengisa kukuba isibonelelo safika ngokukhawuleza. Ubume buntu ukubuza ukuba isibonelelo esifikile ngaphakathi kweentsuku zokubhengezwa kuthetha ukuba ikhaya lixabiso eliphantsi kakhulu xa kunokwenzeka ukuba ukunikezela ngokukhawuleza ngokubanzi kuthetha into echasene nayo: ukuba ikhaya lalixabiso elipheleleyo.
Nangona andiyi kulawula ukuba kungenzeka ukuba ikhaya lingabi xabiso okanye lingaphantsi kwexabiso lemarike , kuyaqhelekanga ukuba i-marketplace ihluleke ukuphendulela kulo hlobo lwamaxabiso, ngoko amathuba okuthengisa ikhaya lakho ngokulahlekelwa kakhulu ephantsi.
Izizathu ezongezelelweyo Umthengisi angacela ukuba aphakamise ixabiso lentengiso
Kuza kukhankanywa ukungabonakali ukuba kukho nabathengisi abafuna ukuphakamisa intengo yokuthengisa kuba akubangakho ukunikezwa okanye ukubonisa umsebenzi. Baqikelela ukuba inani eliphezulu liza kuzisa uhlobo oluthile lwabathengi kwaye, ngelixa uphezulu ungalingeka ukuba uthi, Ngubani na, linda ngomzuzu, oku kufana nesicwangciso sobuqili , kunokukho inyaniso kule ndlela. Uhlalutyo oluchanekileyo, ngokuqinisekileyo, ukuba ngaba ikhaya lingathengisi , ukuba akukhuthazi abathengi ukuba bajonge, kukho into e-off-kilter kunye nexesha elininzi apho into engalunganga yintengo. Ngokuqhelekileyo ixabiso liphezulu kakhulu.
Oku kwenza isandi esiphezulu njengesicwangciso esinqabileyo. Kodwa mhlawumbi akunjalo.
Thatha ikhaya, umzekelo, elithengiweyo kwinqanaba elithile, kwindawo apho kukho umda ohlulayo wokupakisha kweerameters kunye nolwazi oluncinane kwiphepha elingaphezulu lalo bhokisi. Ngeenjongo zomzekeliso, masithi umgca wokuhlukanisa u-499,000 weeRandi, kwaye amaninzi amakhaya athengisa kuloo ndawo ethile kwixabiso lentengo angaphantsi kwama-465,000.
Umthengisi unokubakho kwixabiso lemarike engafanelekanga. Kungase kubekho amakhaya athengiswayo phakathi kwama-465,000 kunye ne-499,000 zama-dollar okwangoku. Abathengi abakhangela amakhaya angaphezu kwama-500,000 amawaka angenakuze babone le ndlu ibhaliweyo kwi-$ 499,000. Ukuba loo khaya ixabisa i-$ 499,000, ixabiso lentengo ye-$ 505,000 lingadonsa uhlobo oluthile lomthengi wasekhaya nge-mindset ye-500K engqondweni. Nangona kunjalo, ukuba ayilungelanga i-$ 499,000, ngoko intengo ephezulu mhlawumbi ayiyi kunceda.
Enye ikota xa kukho inani elinikezelwa ngamanani amaninzi , ngamnye ngaphezu kwexabiso lentengiso, kunye nomthengisi, nangaliphi na isizathu, akafuni ukulwa nalawo anikezelo. Akuyena wonke umntu onandipha inxaxheba kwinkqubo yokuphikisa kunye nabalawuli bee-counters . Abanye abathengisi bayayesabisa le nkqubo. Kwaba bathengisi kunye nolo hlobo lwesimo, kunokusengqiqweni ukuphakamisa intengo yokuthengisa uze uvumele abathengi bazikhuphe ngokwabo.
Ukusekwa kwinqanaba lexabiso eliphakamileyo apho uqala ukwenza ukuthengwa kweentengiso kunokukhupha nabathengi ababengabalulekanga. Akuqhelekanga kumathuba amaninzi kumthengi ukwenza isipho nje ukuzama ukubopha ikhaya, mhlawumbi ngaphandle kokubukela ikhaya nonke, kunye nenketho yokukhangela emva koko umthengi. Oku kubi kumthengisi kwaye mhlawumbi ngokuchasene nomthetho ukuba umthengi azame, kodwa abathengi bakwenza oko, ngokusoloko befumana isiluleko esichukumisayo kwi-arhente esingazi ukuba bhetele kodwa kufuneka.
Indlela yokuxelela ukuba uMthengisi kufuneka akhulise iNani lentengiso
Njengomgangatho osemgangathweni, jonga uhlobo lweempendulo ukusuka kwindawo yokuthengisa emva kokubeka ikhaya lakho ukuthengiswa. Hlaziya iimpendulo, impendulo yomthengi kunye nomsebenzi. Kwakhona, zama ukuzingca, kuba umrhawulwa ngumthengi onokuzibona, kwaye ngokuqhelekileyo akafuni ukusebenza nomthengisi obonisa loo mgangatho.
- Isiqendu sonikezelo zonke ezidlulileyo kwixabiso lexabiso lithetha ukuba ufuna ukuphakamisa intengo yokuthengisa.
- Akukho zinikezelo emva kweveki ezi-3 ukuya kwezine zokubonakalisa zithetha ukuba ikhaya lixabiso eliphezulu kakhulu okanye enye into ephosakeleyo, kwaye akubikho ixesha lokuphakamisa intengo yokuthengisa.
- Ukuba umthengisi ufumana elinye isibonelelo esilungileyo kwixabiso loluhlu, mhlawumbi nesibonelelo esincinane esivela kumthengi wesibini, mhlawumbi ithetha ukuba ikhaya lithengiswa ngokuchanekileyo; ngokuchanekileyo, njengebali le-Goldilocks kunye neentsimbi ezintathu.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.