Umfundi uyabuza: "Intsapho yam kunye nathi ndiyiphathekile kwi-agent yethu esinokuyihlahlela ngomlilo." Sithanda ukukwazi ukuba singayichazela i-arhente ebhodini lezakhiwo. Unokubeka i-doghouse kwiimarike kwaye uyithengise amaxesha angama-10 oko kukuxabisa. Sifake ikhaya lethu ukuthengiswa kwi-$ 325,000. Okokuqala, asizange sithole naliphi na ukunikezelwa malunga neenyanga ezi-3. i-$ 325,000, kwaye i-arhente yethu iyasichukumisa kwaye iyasishukumisela ukuba siyamukele loo mnikelo. Umthengisi wasekhaya ufuna ukuba amkele ixabiso elipheleleyo?
Impendulo: Hayi, yam, kufuneka uvuyiswe, ungayinqabeli. Isizathu esona sizathu sokuba umthengisi wekhaya angayamkeli isipho esipheleleyo semali ukuba umthengisi ufumene ezinye izibonelelo ngamanani aphezulu. Emva koko, umthengisi angathanda ukufumana enye yezo zinikezelo. Akunakucingwa njengokwemigaqo, kwaye mhlawumbi iya kulwa nomthetho, ukucela umthengi ukuba akhokhe ngaphezu kwexabiso lexabiso xa umthengi enze ixabiso elipheleleyo. Ngaba lakho ikhaya libhalwe phantsi?
Kwiimarike zathengisi, kuyinto evamile ukufumana izibonelelo ezininzi xa uthengisa ikhaya elifiselekayo. Ngamanye amaxesha, abathengisi badibanisa ukunikezelwa kwamanani amaninzi kunye namalungelo ahamba kunye nezibonelelo ezininzi, kunye nesibonelelo esisodwa esiyifumeneyo. Oku kwenzeka ukuba kwenzeke kwimeko yakho. Ukuba umthengisi ufumene isibonelelo esisodwa kuphela, imithetho iyahluke kakhulu.
Indawo yokuqala ukuzama ukufumana into efanelekileyo ukuyenza yintloko yakho. Masizame uhlalutyo. Yithi, uhamba ngumbhaki kunye nomqondiso kwiwindow ukhangisa iiRicant Cinnamon Rolls ezingama-99 nganye nganye.
Ulambile. Ungena kwaye unike i-cashier ibhakede, ucela i-cinnamon roll. Umqeshi uyagubha intloko yakhe athi, "Umphathi wam uye wagqiba ekubeni athengise le miqulu ibe ngu-3.50 nganye. Iya kuba yi-$ 3.50 nceda."
Ngaba wawuvakalelwa njani kuwe? Ngaba ungazivakalelwa kukuba ulixhoba lokuhlamba kwaye utshintshile? Ingaba ucinga ukuba oku kuthengiswa ngamanga?
Unokuva ngathi uhamba ngaphesheya kwesitrato ukuya kubhakabhakeni olukhuphisanayo ukuthenga iimpahla zabo ze-cinnamon ezinkulu kunokuba u-$ 1.50 ngamnye. Into ocinga ukuba yayingumngcipheko.
Umbandela ubaluleke ngakumbi. Kwamanye amazwe, xa umthengisi efumana isibonelelo semali epheleleyo evela kumthengi ofanelekileyo, ithetha ukuba i-brokerage ye-real estate iye yafumana ikhomishini . Oku kuthetha ukuba uyayilahla isipho esipheleleyo semali, usenokwenza i-brokerage ikhomishini ngenxa yokuthengiswa komrhweba. Le nto yayisetyenziswa ukuba ngumthetho waseCalifornia kwiminyaka emininzi, kodwa intshintsho ngo-2013. Ngoku, kufuneka ukuba uvale ukuvala phambi kokuba umthengi unelungelo lokuthunyelwa.
Kodwa isivumelwano sokubhala singabandakanya i-verbiage ethi umthengisi akakwazi ukugatya isipho esipheleleyo samanani. Ngaphezu koko, uluhlu oluninzi lweenkonzo apho uluhlu lupapashwe khona lunokuba nemithetho yalo yokunikezela.
MLS yam, umzekelo, yiMetroList. Imithetho kaMetroList yinto yokuba umthengisi ufumana umrhumo opheleleyo kunye nokugatya loo mnikelo, kufuneka sikhulise intengo yokuthengisa kwi-MLS okanye inqaku kwi-arhente eyimfihlo ukuba umthengisi wenqabe ukunikezelwa kwexabiso elipheleleyo. Inqaku elinjalo kwi-MLS liyakuthi lime ezinye iisithunywa ekucebiseni ikhaya kumthengi wabo.
Ukongeza, kunokuqwalaselwa ngentengiso ekhohlisayo xa uthengisa ukuba ikhaya liyafumaneka ukuthenga kwi-325,000 yeedola kodwa ngokuqinisekileyo ufuna i-$ 340,000 kwaye ayibonakali. Ukuba ufuna ama-340,000, kufuneka ukhangise ikhaya lakho kuma-340,000.
Kucacile ukuba, le ngcamango kunye nale mithetho ayisebenzi kwizibonelelo ezininzi. Kwimeko yakho, ke ke, ikhaya lakho liye kwintengiso kwiinyanga ezintathu ngaphandle kokufumana nayiphi na inikezelo. Oku kuthi kukho into engalunganga ngendlu yakho okanye kwimarike, kwindawo engafanelekanga, okanye imeko embi okanye ixabiso liphezulu kakhulu. Naluphi na umngeni, kuya kubonakala ukuba abathengi abafuni ukuthenga ikhaya lakho, imali encinci ihlawule i-$ 325,000 okanye ungayifumana isibonelelo esivele sinikezele, nokuba ne- lowball offer .
Ukuphakamisa intengo kumthengi oyedwa onqwenelayo nokukwazi ukuthenga ikhaya lakho kukuchasene nomdla wakho.
Ndiyaqonda ukuba akuyiyo into ofuna ukuyiva, kodwa yinto endiyithetha ngayo kumthengisi kum imeko enjengale. Iinyani zithetha zona. Abathengisi abaninzi kwindawo yakho baya kuba nemihlali kwaye bavuyiswe ukuba baye bafumana isipho esipheleleyo samanani, ngakumbi emva kwexesha elide kwiimarike. Ndiyathemba ukuba uya kuphinda ucinge ngokuma kwakho kwaye wamkele ukunikezelwa kwexabiso elipheleleyo.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.