Xa umthengi akakwazi ukuvala ukunyuka ngexesha, loo meko inzima ingabangela zonke iintlobo zeengxaki. Ingxaki ebalulekileyo idibene nenyaniso yokuba iikontraki zokuthenga ziqulethe usuku lokumelana kunye nomhla wokuvalwa. Ukuba umhla wokuvala ulahleki, ubuncinci isivumelwano siyingozi, ekugqibeleni isivumelwano sele siphele. Isenzo esiqhelekileyo kukunyusa umhla wokuvalwa, kodwa abathengisi abanakho ukuvuma.
Kutheni Kuthengisa Abadayisi Ukwandisa Ukuvalwa?
Abathengisi banokuziva emva kokuba inyanga idlula ukuba ixabiso lepropati liye lenyuka. Mhlawumbi abahlobo okanye izalamane ziye zatsho njalo ukuba umthengisi akazange azithengise ngemali abavakalelwa kukuba ixabiso eliphezulu. Umthengisi unokuba nethemba lokuba abuyele ekhaya kwikarhwebo ukuze athenge intengo ephezulu yokuthengisa. Kwiimarike ezihambayo ngokukhawuleza, amaxabiso athambe ukunyuka.
Ukuqhubela phambili, mhlawumbi abathengi bacela isicelo sokulungiswa phakathi kwendawo yokungena eshiye intswelo embi emlonyeni womdayisi? Akunabo bonke abathengi kunye nabathengisi abadibanayo ngexesha lokunyuka. Ngamanye amaxesha iintetho zentloko yezantsi kunye neemvakalelo ezimbi zikhula. Kungenzeka ukuba umthengisi afune isizathu sokuba alahleke abathengi.
Kubalulekile ukubonisa ukuba umthengisi akavumelekanga ngokusemthethweni ukukhansela ngoba inkundla yomthetho, umzekelo, unokubona izinto ngokwahlukileyo.
Igosa lingenisa ityala lokubonisa ukuba umthengi wenza ukholo olulungileyo kwaye injongo yakhe yayikuvalwa. Ngenxa yoko, inkundla inokugqiba isigqibo sokuba umthengisi angenalo ilungelo lomthetho lokuphelisa isivumelwano ngenxa yokuba ixesha liphelile. Kukho umncinci omnyama nomhlophe enkundleni. Into kuphela ehambelanayo yimalini yemali ixabisa ukutshutshisa nokukhusela.
Sekunjalo, akuyi kubangela ukuba umthengisi asayine isandiso sesivumelwano sesikhathi ukuba umdayisi angavumelani. Umthengisi angasenza isigqibo sokuba angasayithengisi loo propati.
Kutheni Umthengi afuna i-Extension to Close?
Xa umthengi akanako ukuvala ngexesha, umqulu umthengi ngokubanzi ucela umdayisi ukuba asayine yongezwa kwongezwa kwexesha. Umthengisi uya kufuna ukwazi ukuba kutheni umthengi adinga ixesha elide.
Ukususela ekuqaleni kwe- TRID , ukulibaziseka kubonakala ngathi kuye kwanda. Ukukhusela i-TRID, amaxesha amaninzi ukulibaziseka kubangelwa kukunxibelelana kakubi phakathi komthengisi kunye ne-ejenti yokuvala okanye ityitile. Ukuqhubela phambili, okokungahambi kakuhle ekubhalweni phantsi kukubakho izinto zobusuku obuvela kuzo.
Ababoleki bajongene nokuhlolisisa okukhulu ukufumana mboleko. Ukungathethi, ngamanye amaxesha izinto ezivela kwixesha elidlulileyo abacinga ukuba zingcwatyelwe zinendlela yokukhupha. Njengempahla emfutshane yokuthengisa kunye nokugwetywa kwangaphambili kunye nezigwebo zobuqu ezibhalwe kwamanye amazwe. Isizathu sokulibaziseka ixesha elinokuthi lilandelwe ngqo kumboleki.
Abathengi banokujongana nemicimbi yokusebenza okanye intsapho. Ngenxa yesizathu esinqabileyo, ndisebenze ngenani elifanelekileyo labasetyhini abakhulelweyo kungekudala abonakala be-hellbent ekuthengeni indlu ngenyanga ngaphambi kokuba bazalwe. Ngokomntu, ndiyakholwa ukuba ixesha loomama abalindelekileyo kufuneka banciphise uxinzelelo ebomini babo, kungekhona ukungongeza kuyo, kodwa abanye banquma ukuba ukuthenga ngokukhawuleza ikhaya kuyinto ekufuneka bayenze, kungakhathaliseki.
Akukho ziqinisekiso ukuba ngenxa yokuba ubomi bakho buqhuba kakuhle ukuba yonke into iya kuqhubeka ngaloo ndlela ngexesha lakho lokuhlaselwa kweentsuku ezingama-30 okanye ezingama-45. Enyanisweni, malunga nokuchasene ngokuqhelekileyo. UMthetho kaMurphy. Ukuba kukho ixesha leentlekele, ixesha eliphakathi kokusayinela isibonelelo sokuthenga ikhaya kunye nokuvala lixesha eliphambili lokuxhatshazwa.
Iindlela eziqinisekileyo-ezikhutshwe kwi-coax uMthengisi ekuTyikitheni isandiso
Xa umthengi akanako ukuvala ngexesha, isicwangciso esisebenza kakuhle kukunikela ngokukhupha imali yomthengi ngendiphozithi kumthengisi ngaphambi kokuvalwa. Oku kudla, okokuba, ukuba umthengi uyaqiniseka ukuba unokuvala isango. Nangona kunjalo, ukuba ngumcimbi weentsuku ezimbalwa, ukukhupha idiphozithi kumthengisi kufana nokubeka imali apho umlomo wakho ukhona khona.
Uthi umthengi unzulu kwaye uyathemba ukuvala.
Isusa ingabaza engqondweni yomthengisi. Ngemali ngesandla, loo mali yenzondelelo ayihlawulelwayo. Amagosa e-Escrow ngokuqhelekileyo amaqela alungiselela imiyalelo yokukhupha imali edibeneyo. Olu xwebhu luya kufaka ukuba kungenzeka ukuba i-escrow ingasayi kuvala kwaye, ukuba ayithethi, umthengi akayi kubuyiselwa imali; ukongezelela ukuba kungenzeka ukuba elinye lamalungu lize life.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.