Umbuzo: Ngubani na uMthengisi ngokuthengiswa okufutshane?
Umfundi ubhala: "Ndasayine iphepha elininzi xa ndibeka ikhaya lam kwimarike njengentengiso emfutshane ukuba andikhumbuli into endiyithembise ukuba ndiyenze okanye yintoni na yamaphepha ephepha. Iindleko zentengiso, kodwa ayiboni ngandlela-ndlela kum, wandithumelela ukuba ndibhalise. "Isibhengezo sithi" umthengisi ukuhlawula isitifiketi kunye nesigxina. "Ngaba nguyena okanye loo yibhanki? Ngubani ohlawula irhafu yepropati? Ngubani umthengisi ngokuthengisa okufutshane? "
Impendulo: Okokuqala, makhe ndixele ukuba ukuba uyazibuza ukuba ngubani umthengisi ekuthengisweni okufutshane , awuyedwa. Kwaye nabathengisi abafanele bazi ukuba impendulo yalo mbuzo ayifuni. Nama-Agent afunekayo ayazi impendulo yalo mbuzo. Leyo yingxenye yesizathu sokuba kutheni i-arhente ikuxelela ukuba ibhanki ihlawule zonke iindleko ngokuthengisa okufutshane. Kodwa i-arhente yakho ayilunganga kakuhle kwaye isenokuthatha indlela elula.
Kwakhona ndivakala kum njengoko unokuba ne-trust issue eqhubekayo kunye ne-agent yakho. Xa i-arhente isayinisa isivumelwano somnxeba kunye nawe, loo mmeli udala ubudlelwane bokwenene kunye nawe. Oko kuthetha ukuba i-arhente kufuneka isebenze kwiminqweno yakho. Kunzima ukuba i-arhente yenze loo msebenzi kuwe ukuba i- fiduciary ayikho. Kumele uthembele i-arhente yakho ukuba ube ne-agent ye-fiduciary. Ngaphandle kokwethemba, usenokuba waphule ubuhlobo bokwenene.
Isiphakamiso sam kukuba ucele i-arhente yakho ukuba ichaze i-fiduciary kuwe, kwaye ukuchazela kuwe ngubani umthengisi ngokuthengisa okufutshane.
Oku akufanele kube ngumsebenzi onzima kwi-arhente yakho kwaye, ngokwenene, inokwenzeka ukuba iya kwamkelwa yi-arhente yakho.
Ngubani ohlawula iindleko ngokuthengiswa okufutshane
Ukuthengiswa okufutshane akufani nakwezinye naziphi iintlobo zokuthengiswa kweendleko ezichaphazelekayo. Isitatimende sakho sokuvala kunye nemirhumo ehlawulwayo ifana kakhulu nawuphi na umthengi wezindlu.
Isebenza kanje:
- Yithi uthengisa ikhaya lakho nge $ 100,000. Wena ungumthengisi.
- Umthengi uyayifaka i-$ 100,000, mhlawumbi ngokudibanisa ukuhlawula kunye nombolekisi, okanye mhlawumbi yonke imali. Ayinamsebenzi lonto. Ekugqibeleni, ufumana i $ 100,000.
- Okokuqala, uhlawula ikhomishini . Ukuba ngaba i-7%, uya kuhlawula i-$ 7,000 kwi-broker yomgca. Uhlu lomthengisi uhlawula i-arhente yoluhlu, umrhwebi womthengi, kunye nomrhwebi womthengi uyawuhlawula i-agent yintengiso. Kukho noba ngamagosa angaphantsi kwee-arhente ezihlawulwa kwii-7,000 zamaRandi, kodwa inyaniso unayo i-$ 93,000.
- Kusuka kwii-93,000 zamaRandi, mhlawumbi ufumane enye i-$ 3,000 kwiindleko. Ezi ntlawulo zingabhawula iifizi zetayiti, iimali zokuhlawula, iintlawulo zokurekhoda, iirhafu zepropati, ukuhlawulwa kweerhafu, iintlawulo zentlawulo, kunye nezinye iindleko. Ukuba zonke ezo ntlawulo zizonke ii-3,000 zamaRandi, umzekelo, ngoku uya kuhamba ngee-90,000 zamawaka.
- I $ 90,000 yintlawulo yakho yentengo . Awukwazi ukuyigcina loo mali kuba unetyala lebhanki. Mhlawumbi unetyala lebhanki ngaphezulu kwama-90,000 wamaRandi, kodwa ukuba ibhanki kufuneka ithengise ikhaya lakho njengekhaya lebhanki , ubuninzi bebhanki mhlawumbi beza kuba yi-$ 100,000 oye wanikelwa nje ngokuthengisa okufutshane.
Ngoko ke, ekubeni ibhanki ayinakufumana ngaphezu kwayo kuba i-$ 100,000 iyinani lemarike, ibhanki iya kwamkela i-$ 90,000 yakho. Ukwahlukana kuphela phakathi kokuthengiswa okufutshane kunye nokuthengwa rhoqo, njengoko ubonayo, kukuba awuyibeki nayiphi imali ephaketheni lakho. Kwintsebenziswano rhoqo, uya kufaka imali yentlawulo emva kokuhlawula ibhanki ngenxa yokuba uya kuba nokubizwa ngokuba yi-equity. Ngokuthengiswa okufutshane, awunalo ubulungisa ngenxa yokuba ulahlekelwe ubulungisa bakho .
Oku kuthetha ukuba ungumthengisi. Ibhanki ayithengisi. Umnini ngumthengisi, kwaye umnini-mali uhlawula iindleko zokuthengiswa kwimali yentengiso.
Ngaba iBhanki ngokwenene nguMthengisi weNtengiso emfutshane?
Abanye abantu bathi ibhanki iyithengisa ukuthengiswa okufutshane ngenxa yokuba ibhanki inetyala elingaphezulu kwemali eyithengiswayo, kodwa oko akunjalo. Kungenxa yokuba isihloko sihlala nomthengisi kude kube yintengiso yomthengisi ekhaya kumthengi. Umthengisi ngumnini.
Isebenza ngale ndlela ngokwenene, nangona kunjalo. Yithi, unetyala elingama-200,000 kwi-bhanki, kodwa ikhaya lakho libiza kuphela i-$ 100,000. Ukuba ibhanki iya kulahleka i-$ 10,000 kwimali, ngenxa yokuba imali enetengiso yentengo i-$ 90,000 kuphela, eyenza ibhanki inomdla kakhulu kwaye inikwe iindleko zokuthengisa.
Nangona ibhanki ayibhawulezi iindleko zokuthengisa, yonke i-dime ibhanki inokumisa umthengisi ukuba ahlawule uye ephaketheni lebhanki. Ngenxa yokuba ibhanki ifumana imali eseleyo. Yingakho ibhanki ikhathalela ukuba umthengisi uhlawula njani kwiindleko zokuvala .
Kodwa umdayisi usengumthengisi, kwaye ibhanki isabhanki.
Umbuzo uhlala ukuba ibhanki ayiyi kugunyazisa umrhumo othile okanye inkcitho ngokuthengisa okufutshane, ngubani owuhlawulayo? Ukuba imali ayivumelekanga, ithetha ukuba ibhanki ayiyi kuvumela ukuba inqunywe kwimali epheleleyo. Kodwa umrhumo uyafuneka uhlawulwe. Kwiindawo ezininzi zokuthengisa kwamfutshane, ndicela umthengi ukuba ahlawule nayiphi na imali engagunyaziswanga.
Ngokuqhelekileyo, ukuhlawulwa kwemirhumo engagunyaziswanga kuthethwa. Nangona kunjalo, kwi- HAFA ukuthengiswa okufutshane , umthengisi akavunyelwe ukuhlawula nayiphi na into eyongezelelweyo. I-HAFA ivenkile yokuthengisa ayisasetyenziswa. E-California, iSB 458 inqabela abadayisi abathengiswayo abakufutshane base-California ukuhlawula nayiphina imirhumo kuyo yonke into evela ngaphandle, njengoko kuboniswe yiCalifornia Civil Code 580e.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.