Ngaba Imithetho Yomthengisi Ukugcina I-Deposit Xa Umthengi Wasekhaya Engenziyo
Masiqale ngeemeko zomzwelo zentengiso. Ukuthetha ngokuqhelekileyo, kuyo nayiphi na into eyenziwa ngokuthengwa kwezindlu, akunjalo umthengisi oziva ephosakeleyo ngexesha lokuthenga. Ngokuqhelekileyo, ngumthengi. Umthengisa uthembela nje ukuba ukuthengiselana kuya kugqiba ekufumaneni ixabiso elikhulu lemali egcinwe kwi-akhawunti yebhanki yomthengisi. Umthengi, ngakolunye uhlangothi, uthengisa i-monstrosity kwaye ngokuqinisekileyo kukho iziphene ezifihlakeleyo umthengisi uyazinqanda - ukuba kunokwenzeka ukuba umthengi wenza iphutha elikhulu kwixesha lokuphila, ekugqibeleni ukuhlanjululwa ngumoya kwinkqubo .
Ngokuqhelekileyo umthengi ovakalelwa kukuba uninzi, ulolonge ukufaka into ebalulekileyo yengqondo kumthengi ongenalo, kuze kube ngethuba apho umthengi, nangona nasizathu, engavali ukuthengisa . Ubuninzi bokungabikho kokungabikho kwemali okubanjiswa ngumthengi, kunye nomsindo womthengi ngenxa yokungavali - okusoloko kuqondiswa kwamanye amaqela, kuquka nomthengisi, kwaye ushiywe ukuba adibanise kwaye azinqamle ngokwabo-ngoku unokuhlakulela imeko, iphakame xa umthengisi ejoyina imisebenzi yomlilo ngokubango ukuba umthengi ngoku uhlawulele umthengisi imali engqongqo yemali.
Yintoni enye inokuyithatha umthengisi? Umthengisi akakwazi ukunyanzela umthengi ukuba avalwe ukucima. Uninzi lwabathengi iikontraki, ngakumbi ezo zisetyenziswe kumazwe afana neCalifornia, ziqulethe isigatya somonakalo, esichazela ukuba umthengisi unelungelo lokufumana imali ethembekileyo kwidixa ethile yexabiso lokuthengisa.
Naliphina imali engaphezulu kwidiphozithi zibuyiselwa kumthengi.
Umthengi angayifumana njani imali yokubuyisela imali kwiDisposithi yeMali eXhasayo?
Abathengi abakhuphe ukuthengiswa ngokubanzi banokuthi bafumane uhlobo oluthile lwexesha elingaqhelekanga kwisivumelwano esinika umthengi ilungelo lokusemthethweni lokukhansela isivumelwano . Ingaba ngumlinganiselo wokuboleka imali, uvavanyo lokuhlola okanye uhlolo lokuhlola-mhlawumbi luxhomekeke kumthengi uthengisa elinye ikhaya ukuba umthengi akakwazi ukubonakala athengisa. Iimvumelwano ezininzi ziqulethe izinto ezivumela umthengi ukuba akhuphe phantsi kweemeko ezithile.
Masithi umthengi uqeshwe uchwepheshe ukuba aqhube ukuhlolwa kwekhaya . Ngethuba lexesha lokuhlola ikhaya, umthengi ufumana isithandane esingenakusebenza kwaye umhloli wekhaya uthi isithandane asikho ngaphaya kwayo. Umthengi angacela umthengisi ngesicelo esisemthethweni sokulungiswa ukuze atshintshe isithando somlilo. Umthengisi angayenqaba kwaye athethe umthengi ukuba akhansele. Ngaphantsi kwesi simo, umthengi unokufumana ilungelo lokufumana imali engqongqo emva kokukhansela.
Akuthethi ukuba umthengisi ufuna ukukhulula idiphozithi. Ukuba idiphozithi ibanjwe yinkampani yesithathu, njengenkampani yenkampani okanye inkampani yokuhluthwa, onke amaqela kufuneka ngokubanzi avume ngokubhekiselele kumbono walo okanye ubuncinane bavumele ukukhansela xa bephikisana malunga nediphozithi.
Ukuba zombini amaqela angenangqiqo, kungenzeka ukuba intengiso ingabanjwa, kuxhomekeke kwimithetho kaRhulumente. KwiCalifornia, umthengisi akakwazi ukugodla imali engekho imali ngokubuyisela okanye umthengisi unokujamelana nesohlwayo esihle.
Xa i-Deposit Money Imali eSebenzayo isengozini kwaye ayinakubuyiselwa
Ukuthatha isimo sengxowankulu yemali kwisigxina esithile, masithi umthengi ukhathele zonke izinto kunye nokukhupha zonke izinto. Kwiintsuku ezimbalwa ngaphambi kokuvala, mhlawumbi umthengi ufumana unyawo olubandayo aze anqume ukukhansela. Umthengisi, onokucaphukiswa ngolu hlobo lweziganeko, mhlawumbi unelungelo lokulindela ukufumana idiphozithi yemali ethembekileyo yomthengi ukususela kumthengi ngokuzenzekelayo kwaye ahluleki ngamabomu ukuvala isango.
Kuthekani ukuba umthengi wenqaba ukunika imali engqongqo kwidilesi?
Kuthekani ukuba umthengi wenqaba ukusayina nawuphi na uhlobo lokukhansela? Umthengisi angenakuvinjelwa ekuthengiseni ipropati kwenye umthengi ngelixa umthengisi usephantsi kwesivumelwano kunye nomthengi okhoyo. Umthengisi ngokubanzi akanako ukufumana izivumelwano ezimbini ngexesha elilodwa, ngaphandle kokuba enye isivumelwano sihambisane nokucinywa kwesinye. Ukuhlala ekudibanisaneni nomthengi onenkani unokubopha izandla zomthengisi.
Ngokuqinisekileyo, umthengisi unokufakela ityala leNkundla yeMangalo encinci kwaye alwe nomthengi. Kodwa nangona ekukhanyeni koku, kunye nazo zonke iinkcukacha ezibonakalayo kwicala lomthengisi, ijaji isenokubanika imali kumthengi. Cinga uMgwebi uJudy. Umthetho awunasoloko umnyama nomhlophe. Ngoku, ingakanani ixesha nemali elahlekile ukuzama ukufumana imali engqongqo yemali? Ukuba umdayisi akanandaba nokuba kuthatha ixesha elide ukuthengisa ikhaya kwaye uzimisele ukutyhala ixesha kunye nemali ukulwa nediphozithi, ngoko kuya kulungele ukuba iqhubeke. Kodwa yile nto umthengisi kufuneka ahlale efumana iingcebiso zomthetho kwaye angagqiba nje ukugqiba phambili ekujoliseni isela kumqala womthengi.
Kukho inqaku malunga nokucima impumlo yakho ukuze ubhekise ubuso bakho, kwaye inokusetyenziswa kule meko. Umthengisi unokulungela njengoko imvula, ngelanga, kwaye ihleli, ilahleka.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, uBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.