Iingxaki zixakile ukuba uMtyalomali osandul 'ukuthengwa kwangaphambili
Xa umnini-mali uthabatha ikhaya lebhanki, mhlawumbi ngokuthenga loo ndlu ngokuthengwa kwezinto ezininzi ngqo kwi-bhanki okanye ngokubethelwa ekhayeni kwintengiso, ingcinga ebaluleke kakhulu kwingqondo yomtyalo-mali yenza inzuzo.
Kodwa xa ubona ikhaya elithengiswayo, ukhangelelanise ixabiso le-esesthetic kunye nendlela loo nto ifanelana ngayo neeparitha zakho. Ngenxa yesibheno sayo sengqondo, unganakubona iziphene zakhiwo.
Ukulungiswa kwiFlipper yokuQala
Anditsho ukuba bonke abatyali-mali bathe iinqununu xa behlaziya ipropati. Abanini-zimali abaninzi banomdla kwaye baqesha abaqeshisi bezokwakha. Kodwa abanye abatyalo-mali - kwaye unqabile ukwazi ukuba yiyiphi ibenzi ngokubheka kwabo-baqeshe abasebenzi abancinci abangayifumana kwaye basebenzise izinto ezincinci kwixabiso lokuzama ukukhulisa iinjongo zabo. Nazi ezinye iinkalo ezixhalabisayo:
- Mold
Amanye amakhaya aphantsi kwebhanki ahlala engenanto, ngaphandle kokushisa okanye ukufudumala emoyeni, ngeenyanga. Ukuba kukho umbhobho wokuvuza okanye umswakama okhoyo, isikhunta sinokukhula kwaye sisasaze. Ukulungiswa kweMold kubiza amawaka eedola. Ingaba umtyalo-mali uza kupenda phezu kwesikhombi? Ingaba ucinga ntoni?
- IiNgxelo zePest
Abatyalomali bathenga amakhaya aphantsi kwebhanki "njengokuba kunjalo" . Amabhanki akakhokheli ukulungiselela umsebenzi wokulahla. Ikhohlo elingaphendulwanga, i-termite okanye i-powder post post beetles ingadla ingqibelelo yesakhiwo sekhaya. Iindonga zangaphakathi zinokuxhaswa zizikolo zokubola.
- Asbestos
Isisombululo esheshayo nesilula sokugubungela i-linoleum ephantsi komhlaba equle i- asbestos kukubeka i-laminate okanye i-ceramic phezu kwayo. Ukuba i-underlayment ayixhomeke ngokuqinisekileyo kwi-subfloor, iyakwazi ukukhulula ixesha elide. Ditto for siding outer . Yintoni ephantsi komgca omtsha?
- Imvume yoKwakha
Ingaba umtyalo-mali ungeze okanye ususe igumbi okanye enze nayiphi na intlobo yophuculo efuna imvume? Usenokungazi ngenxa yokuba akunakwenzeka ukuba utyalomali uza kutyhila yonke imisebenzi eyenziweyo. Omnye umsebenzi unokufuna imvume xa kungekho mvume efunyenweyo.
- Izinto eziKhethekileyo zokwakha
Ngaphandle kokuba i-flipper ye-foreclosure yindlu ephezulu, mhlawumbi umtyalomali uthenge izixhobo zombane, iikhabhinethi ezisezantsi ezifakwe kwibhodi ecinezelweyo kunye nokulungiswa kwexabiso lokungcwina kwamapulangwe okanye iifestile ezingabonakaliyo kwiifestile, ezingashenxiswa ngokukhawuleza. Awuyi kukwazi ukuba ityontraktha isebenzise i-intshi yesentimitha okanye i-quarter-intshi eyomileyo ngaphandle kokuba ususe isithintelo sokufumana kunye nokulinganisa.
- Abangaphantsi kweeNkonkampani
Unokwenzeka ukuba unkontileka-mali-mali uqeshe abasebenzi abangabhalwanga phantsi okanye abangenagunya ngaphantsi komvuzo omncinci ukwenza imisebenzi enzima apho abasebenzi abangafundanga khona. Kwanomsebenzi onzima onjengokulenga i- drywall , ukudonga kunye nokuxilonga kungenziwa ngokungalunganga, kwaye awukwazi ukuba iziqalo ziqale ukuphuma kweenyanga ngaphantsi kwendlela.
Usuku lwe-90 lwe-Flipping Rule
Umthetho wokunyuka kweentsuku ezingama-90 usebenza kwixesha lokubanjwa kwesihloko. Izikhokelo ezininzi zokubolekisa kunye nokugqithisa kufuna ukuba umnini-mali athathe ipropati ubuncinane iintsuku eziyi-90 phambi kokuba umboleki umthengi enze imali mboleko kumthengi. Umhla wesivumelwano kufuneka ube ubuncinane iintsuku eziyi-90 emva kokurekhodwa kwezenzo zomtyalo.
I-FHA iphakamisa okwesikhashana lo mgaqo ukususela ngoFebhuwari 1, 2010 ukuya kuJanuwari 31, 2011. Nangona kunjalo, kukho imingcipheko esetyenziswayo ngeli xesha, ezinye zazo zixhomekeke kumyinge wepesenti wexabiso elithengisayo kwixabiso lokuqala lokuthengisa.
Ibhanki inokufuna iirisithi ukubonisa ukuba umsebenzi ogqityiweyo ugqityiwe ukulungelelanisa intengo entsha yokuthengisa.
Iimpawu zeMechanic kwi-Foreclosure Flippers
E-California, umzekelo, abancinci bakontraki banemihla engama-90 ukuba bafake i-link ye-mechanic yomsebenzi ongahlawulwanga. Oku kuthetha ukuba ikhontrakthi ayizange ihlawule isontraktha okanye ukuba izinto zithunyelwa ngaphandle kokuhlawulwa, umthengi unokufumanisa ukuba i-lien yafakwa kwikhaya emva kokuba ivale ikhefu.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.