I-ins kunye neento zokuthenga indlu ukusuka eBhanki
Umfundi uyabuza: Ngaba ngaba ngabaviwa sizithenga indlu ebhankini? Mna mna nomkami sihlala kwikhaya lokuqala . Esixekweni sethu, sibona amakhaya amaninzi athengiswayo ngamakhaya asebhanki. Sathetha kunye nommeli kwindlu evulekile eyasitshela ukuba kulula ukuthenga ikhaya lebhanki njengekhaya eliqhelekileyo. Kodwa abahlobo bethu bathi hatshi, ukuthenga ikhaya lebhanki kungabangela ubusuku. Ingaba igosa lilele kuthi? Yintoni elula ukuyithenga? Ngaba kufuneka sithenge ikhaya lebhanki okanye ikhaya eliqhelekileyo?
Impendulo: Abanye abameli bezindlu abazithengisa amakhaya aphantsi kwezindlu, okanye i-REO efutshane, mhlawumbi bakholelwa ukuba ukuthenga ikhaya lebhanki kulula nje ngekhaya eliqhelekileyo. Kungenxa yokuba, baninzi kubo, amakhaya asebhankini ngamakhaya kuphela athengisa ngawo. Kude nakakhulu, ndingathanda ukuthengisa ikhaya eliqhelekileyo nayiphi na iveki, kwaye ndiya kukuxelela ukuba kutheni.
Ibhanki-enezindlu kunye neMarike
Yenza umehluko malunga nokuba inani lamakhaya kwimarike aphezulu kakhulu. Ukuba umdayisi othe rhoqo uthengisa kwiimarike ezilawulwa ngamakhaya asebhankini , abathengisi abaqhelekileyo kufuneka bathathele intengo ngokubaluleka , oku kuthetha ukuba umthengisi kufuneka ahlawule ixabiso lekhaya ngokuhambelana namaxabiso asekhaya leebhanki.
Abanye abaphathi bee-asethi , abasebenza kwimasebe e-british real estate, abakhokelela ukuba i-arhente yabo ithengise i-inventory yabo njengalowo nawuphi na umzi ; abanye bakhetha i-agents ukuba bangabhengezi ukuba amakhaya ayengaphambili.
Kungenxa yokuba amakhaya okuqhaqhawulayo athwala. Kukho konke ukulungele ibhanki, nangona kunjalo, ibhanki izama nje ukukhuphisana kwindawo yokuthengisa.
Ibhanki-enezindlu kunye neeNgcaciso
Ngokuqhelekileyo, xa uthengela ikhaya, abanini bayakwazi ukwabelana ngeenkcukacha nawe malunga nembali yayo. Unokufumana ukuba i-kitchen yekink yahlala ihamba, xa uphahla lugqityiweyo kwaye ukuba kukho naziphi na iimpazamo ukuba ukuhlolwa kwekhaya kungabonakali.
Xa uthenge ikhaya lebhanki, wena ngokwakho. Uthenga into engaziwayo kunye nokuncinci kakhulu.
Njengaye-Ngaba Isimo
Amabhanki akwenzanga ukulungisa amakhaya kwiiphothifoliyo zazo. Ngokuqhelekileyo abahlawulanga ukuhlolwa kwezilwanyana okanye banike abathengi isitifiketi sephahla okanye ukuhlolwa kwamanzi . Ukuba uhlolo lwakho lwasekhaya luchaza ingxaki enkulu kwaye uthumela isicelo sokulungiswa , ibhanki inokuthi iyayihoywa. Nangona umdayisi oqhelekileyo unokukwazi ukuthetha ngesicelo sokulungisa nokulungisa iingxaki kuwe.
Ukuxoxisana ukuthenga ikhaya kwiBhanki
Ezinye iibhanki aziyi kukhangela nesibonelelo ngaphandle kokuba umthengi athengise i- mortgage ye-pre -proval letter evela kwindoda ekhethiweyo yebhanki, oko kuthetha ukuba kunokuthatha ixesha elide ukuhambisa isibonelelo kwindawo yokuqala. Ngenxa yoluhlu lwee-asset zamasebe ezisebenzayo, ngamanye amaxesha kuthatha iiveki ezimbini okanye ngaphezulu ukufumana impendulo.
Xa ibhanki iyamkela isibonelelo, ngokuqhelekileyo ivelisa i-addendum yasebhanki ukuba, kuzo zonke iinjongo ezibonakalayo, ithatha indawo yonikezelo osithumeleyo. I-addendum yebhanki ingaba namaphepha alinganayo okanye ngaphezulu. Phantse yonke into ebalulekileyo ekhusela umthengi iguqulwa. Ukuba uthengisa ikhaya lebhanki, yinto efanelekileyo ukuba igosa lakho lihlolisise isivumelwano-mali ngenxa yokuba ngezinye izibakala kunzima ukuyiqonda.
Amabhanki ahlawulisa iMali yokuVala ukuVika
Enyakatho yeKalifornia apho ndisebenza khona, sihlala sihlala neenkampani ezisezantsi zaseCalifornia ezithatha ukuthengiselana. Umgama ulibaziseka iphepha. Ukongeza, ukuba umthengi umthengi ufuna iintsuku ezimbalwa ukukhulula ifayile evela phantsi kwebhanki, ibhanki ihlala ityala umthengi umrhumo. Abathengisi abaqhelekileyo ngokuqhelekileyo banokuxolela nokukhululeka ngokubanzi.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.