Umbuzo: Ngaba kufuneka sibhale Isipho sokuGcina ukuThengisa iKhaya?
Umfundi uyabuza: "Sifumane ikhaya eligqibeleleyo kodwa i-agent yethu ithi umthengisi uya kwamkela kuphela isipho sokugcina isiphelo. Sifuna ukugcina indawo. kuthi loo ndlu? Umfazi wam uthi sichitha ixesha lethu, ixesha elingasetyenziselwa ukujonga amakhaya athengayo angenayo nayiphi na iminikelo kubo. Ngaba kufuneka sibhale isipho sokugcina ukuthenga ikhaya? "
Impendulo: Into enhle malunga neemeko zakho ngumthengisi akanakukucela ukuba unikezele ngemali yokukhupha xa umthengisi engazange abe nomuhle ukuba ithuba lokunikela ngesandla lingase likhuphe okanye lihambe. Ngokuqhelekileyo, ukuba ungumntu wesibini kumgca, usenokugqiba ukuthenga loo ndlu . Iingxaki zilungile. Kodwa ndiyakwazi ukungafuni ukuyenza isibonelelo sokugcina. Akukho mntu ufuna ukudlala i-fiddle yesibini ngaphandle komdlali wesibini we-fiddle, akunene?
Yiyiphi iSibonelelo Sokugcina?
Masiqale ngokukhangela oko kwenza isipho sakho sinikeze isibonelelo sokugcina. Okokuqala, umdayisi sele esamkele esinye isibonelelo. Okokuqala kunokuba nayiphi na inani lezinto, kubandakanywa nokuba yi- mkontrakthi , exhomekeke kwinani elithile leemeko ezinokuthi zenzeke okanye zingenzeki ukuvala. Ezinye zezo zinto zingabakho:
- Ukuxhomekeke kumthengi uthengisa ikhaya elikhoyo
- Ukuhlobana nokuhlolwa, okubandakanya ukuhlolwa kwekhaya okwanelisayo
- Ukuxhomekeka kwixabiso lokuthengisa ekhaya ukubiza intengo kunye nokuhlolwa okuphantsi kunokwenzeka
- Ukuxhomekeke kumthengi ukufumana imali efanelekileyo kunye nantoni na eyenzekayo phantsi kokubhala phantsi
Ukuba kukho enye yezo meko ezithintela i-snag, umthengi unokususa. Ukuba umthengi uyashenxisa, umthengisi kufuneka adlulisele ekhaya kwikarhwebo aze aqale ukubonisa ikhaya kwakhona.
Isibonelelo sokubambisa sivuma ukuba kukho i-offer offer kwaye ithi xa umthengi wokuqala ekhansela, ngoko uyazithengisa ngokuzenzekelayo kwisivumelwano kunye nomthengisi.
Isibonelelo sokulondoloza sikhombisa umthengisi ekunikezeni izibonelelo ezivela kwabanye abathengi okanye ukubuyisela ekhaya kwikarhwebo. Xa umthengi wokuqala ekhansela, bam, unesivumelwano. Ukuba amaxabiso enyukile ngenxa yokuba uthengisa imarike ekhulayo, uvale kwixabiso langaphambili kwisipho sakho sokugcina.
Isondlo sokukhuphela kufuneka sisayinwe ngabo bonke amaqela kwisivumelwano sokusebenza. Abathengisi bangasayinela isibonelelo esisodwa sokukhupha ukubonelela ukuba umthengisi wenza isikhundla seqela ngalinye laziwa. Umzekelo, unokuba ngowama-# 3 okanye kwindawo ye-# 4 ukuba kukho izibonelelo ezine zokulondoloza. Ngokufanelekileyo, ufuna ukuba kwindawo ye-# 1, isipho sokuqala sokubuyisela.
Ngaba Izibonelelo Zokugcina I-Backup Zifanele Zibe Ziphezulu Kuluhlu Lwexabiso?
Ingaba isibonelelo sakho sokugcina sifuna ukuba siphezulu kunexabiso elibuxhomekeke kuxhomekeke kumaninzi kunikezwa ngumthengisi. Kwiimeko ezininzi zokubonelela, unokuqiniseka ukuba kuya kunikezelwa ngezibonelelo ezingaphezulu kweluhlu lwamanani. Le yindlela ezininzi ezinikezelwa ngayo:
- Ukunikezelwa kokuqala: ngaphantsi kwoluhlu lwamaxabiso kuba umthengi akwazi ukuba ubani umntu onomdla.
- Isibini sibonelelo: Uhlu lwamaxabiso kuba ngokuqhelekileyo okokuqala kunye nesibini kuya kufika kunye.
- Isibonelelo sesithathu: Kancinci ngaphezu kwexabiso lexabiso kuba umthengi ufuna indlu
- Okwesine kunikezelwa kweyesi-10: Inxalenye ethile phakathi kwabo kuba abathengi bayazi ukuba lidubu elide.
Umthengisi unesikhuthazo sokunamathela kwisibonelelo somthengi wokuqala, ngokukodwa ukuba isinikelo esiphezulu. Kodwa ulondoloza ixesha lokuthengisa kunye neengxaki ngokuthumela umnikelo wokukhusela, ngoko umthengisi angase avume ukwamukela encinci kumncinci ukukunika inkuthazo yokulinda. Kodwa ukuba izibonelelo ezininzi ziqhelekileyo, ngokuqhelekileyo kukulungele ukufanisa nesibonelelo kwitafile. Thetha ne-arhente yakho malunga nezicwangciso ezifanelekileyo. Musa ukungaboni kakuhle kwi-intuition yakho. Sebenzisa ulwazi lwe-ejenti yakho ngeemarike.
Ukunikezelwa kweeSpecial and Sales Short
Ukuba uthengisa ikhaya elingaphantsi kwemvume emfutshane yokuthengiswa , umnikelo wokugcina ukuthengiswa okufutshane mhlawumbi kukunika ubunzima obungaphezulu kwama-50/50 ukuba isibonelelo sokuqala siya kuhamba.
Abathengi abaninzi abanqweneli ukulinda imvume yokuthengisa emfutshane , kwaye nayiphi na i-snafu encinane kwindlela ingabalibazisa ukuthengisa okufutshane. Iingxaki ziphezulu kakhulu umthengi wokuqala akayi kulinda.
Ngokuzibeka kwisithuba sokulondoloza, awunyanzelekile ukuthenga ikhaya, kwaye unokwazi ukujonga amanye amakhaya kwimarike ngelixa ulinde. Ukuba ufumana elinye ikhaya oyithandayo kangcono, unokukwazi ukurhoxisa isibonelelo sakho ngokucokisekileyo, kodwa loo ndlela iyancipha ngenxa yezizathu ezicacileyo. Kuhle kakhulu ukungafuni nto injongo yesibonelelo sokugcina.
Nangona kunjalo, enye indlela yokuqwalasela isithengisi sithengiso esifutshane kunye nomthengi unokusayina isongezelelo sokuthengisa esifutshane. Ukuba eso sihlomelo esithengiswayo esifutshane sivumela umthengisi ukuba amkele izibonelelo zokugcina izibonelelo kwaye athumele ezo zinikezelo kwibhanki, unokuba usesikweni ukunyanzelisa umthengisi ukuba athumele isipho sakho ebhankini. Ukuba kulunge kunokuba isibonelelo sokuqala, niyiphi isibonelelo esicinga ukuba ibhanki yentengiso emfutshane iya kwamkela? Oku kuya kukhwela ngokufanelekileyo umthengi wokuqala. Thetha kwi-arhente yakho, nangona kunjalo.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.