Umbuzo: Ngaba kulungile ukwenza iiMpesenti zokuthenga ezininzi?
Umfundi uyabuza: "Asizange siphume ukwenza izinto ezininzi zokuthenga, kodwa mna nomkami sinenkinga enzima kakhulu ukuzama ukuthenga ikhaya. Siyaqhubeka sitshitshiswa kumakhaya esiwabathandayo ngabathengi bemali. Ndiyasebenza kunye nithi sifanele senze izibonelelo ezininzi zokuthenga kumakhaya amaninzi kunokwenzeka, kodwa i-arhente yam ayinomdla kakhulu kule ngcamango. kufuneka kukucele. Ngaba kulungile ukwenza izibonelelo ezininzi zokuthenga? "
Impendulo: Ukuba ndiqoqa i dollar rhoqo xa umthengi andibuza ukuba kuvunyelwe ukubhala izibonelelo ezininzi zokuthenga, ngokuqinisekileyo, andisayi kuba ngcolile kodwa ndingaphila kakuhle eTahiti. Nangona kunjalo, ndiyakwazi umthengi umnqweno wokubhalela izibonelelo ezininzi zokuthenga , ngokukodwa kwimarike yomdayisi . Inzima.
Kwimarike yomthengisi, ngokuqhelekileyo isisombululo, esichaza inani lamakhaya athengiswayo, liphantsi kakhulu, kwaye izinga lokunyusa liphantsi. Isilinganiso sokungeniswa kwemali yinyani yeenyanga eziza kuthatha ukuthengisa nganye ikhaya kwikarhwebo, ngokusekelwe kwinqanaba elikhoyo lokuthengisa.
Ngaphantsi kwezi meko, ngaphezu komthengi omnye angangenisa isibonelelo sekhaya, okubangela ukunikezelwa kwamaninzi kwimimandla enqwenelekayo. Xa umthengisi ufumana izibonelelo ezininzi, umthengisi unandipha ukunethezeka kokukhetha okuphakamileyo kunye nokunikezela okulungileyo. Umgca wabathengi baninzi abathengi basekhaya kulezi ziimeko zijongene nokukhishwa .
Akuyena wonke umntu onokuthenga indlu efanayo.
Imiba yokuKwenza ukunikezela ngeeMpahla ezininzi
- Ukuphulwa koKholo Olulungileyo kunye namaZiko okuThatyathwa.
Kwamanye amazwe, umthetho wesivumelwano unesiqinisekiso esilungileyo kunye nomthetho onobulungisa. Ukuba umthengi unokukwazi ukuthenga ikhaya elilodwa kuphela okwenza izibonelelo ezininzi zokuthengwa kumakhaya amaninzi, kungenzeka ukuba umthengi uphule umnqophiso wokholo olungileyo, onokuba nemigangatho yomthetho. Abathengi bayacetyiswa ukuba bafune iingcebiso zomthetho ngaphambili.
- Ukuthumela okufanayo Ukujonga ngeMpahla nganye yokuThengwa yokuThengwa ingavumelekile iKontrakthi.
Ngamanye amaxesha abathengi bafotela i- deposit cash deposit kwaye bafake ikopi yetsheksi efanayo kunye nesipho ngasinye sokuthenga. Ekubeni kunesicatshulwa esisodwa sokubakho imali , isibonelelo esisodwa kuphela sinediphozithi sokufumana isipho sokuthenga. Ezinye izibonelelo azikho idipozithi, ezingenakulungelelaniswa kunye / okanye zilahleke izibonelelo zokuthenga ezininzi. - Izipho ezininzi zokuthengwa ziyakwazi ukufumana iziphumo ezininzi.
Ukuba izibonelelo zingenayo ikhonkritenti enokuthi ivumele umthengi ukuba akhuphe ukuthengiswa ngaphandle kwemiphumo, umthengi unokugqiba kwisivumelwano kwiintengiso ezininzi zokuthenga . Kweso siganeko, bonke abathengisi banokulindela ukuba umthengi afake iimali kwaye avalwe nganye yeentengiselwano. Abathengi abenqaba ukwenzayo bafumane ukuba banetyala kubathengisi kunye / okanye kwinkundla.
Ukhuselo olufumaneka kwiiNkonzo ezininzi zokuthenga
Abathengi abaninzi banqwenela ukuthenga amakhaya asebhanki . Enye yeengxaki zemizi yokuqhawula i-REOs ithambekele ekuboniseni umdla omkhulu kubathengi, kwaye iibhanki ze-REO zingathatha ixesha elide ukuphendula.
Impendulo yabathengi abathile kukubhalela isipho sokuthenga ezininzi kwaye uthumele kwiqela lamakhaya asebhanki ngexesha elinye.
Aba bathengi basenokukwazi ukubhala izibonelelo ezininzi zokuthenga ezinokuthi ziphephe uxanduva lokholo olubi ukuba zibhalwa njengezibonelelo zemiqathango. Oku kuthetha ukuba isibonelelo siza kuba neelwimi eyenza ukunikezelwa kuxhomekeke ekuwamkelweni komthengi emva kokuba iibhenki ze-REO zamkele ukunikezelwa. Ivumela iibhanki ze-REO zikwazi ukuba umthengi uhambise ukunikezelwa kwamanani amaninzi.
Ukufumana ulwazi oluninzi malunga nokunikezelwa kwamanani amaninzi, nceda uqhagamshelane nommeli we-real estate ofanelekileyo. Musa ukuthatha isiluleko sezomthetho kwi-arhente engagqibekanga.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.