Umfundi uyabuza: Umyeni wam kunye nam sibeka isipho ngokuthengisa okufutshane . Siyazi ukuba ulinde ixesha elide . I-arhente yethu ithe ithatha iinyanga ezine ukuya kwezi-6 ngaphambi kokuba ibhanki izamkele isipho sethu. Kodwa nanko umkhabi. Le yindlu epholileyo, kwaye isesemarike, nangemva kokuba umdayisi wamkele isipho sethu. Sinexhala lokuba omnye umthengi wekhaya uya kusikhusela. Ukuba umthengisi wamkela isipho sethu, ngaba omnye umthengi wekhaya unokusikhupha kwaye asuse ikhaya lethu iphupha? "- Ukulala e Salinas
Impendulo: Xa ndicinga ngoSalinas, "mna noBobby McGee" siza engqondweni - mhlawumbi ngaphambi kwexesha lakho. "Ndifuna loo ndlu, kwaye ndiyathemba ukuba uyifumana." Into eyiyo, Ukulala e-Salinas, ukuba le nto yayiyintengiselwano rhoqo, uya kukhangela umthengisi owazama ukukrazula. Kodwa ngenxa yokuba oku kuthengiswa okufutshane , kunokubangela ukukhathazeka ngenxa yesipho sakho kunye nokukhutshwa.
Imithetho iyahluka ukusuka kummandla ukuya kwimeko. Ngoko, yinyani eArizona ingenokuba yinyaniso kwi-real estate eNew Jersey. Indawo yokuqala yokujonga ngayo isivumelwano sakho sokuthenga . Phantse yonke into elawula ukuthengiselana kwakho iya kuqukwa kwimiba elinesibini okanye ngamaphepha owatyikitye kunye nomthengisi.
Ukwamkelwa okufutshane okunikezelwayo kunye nokunikezelwa kwezibonelelo
Ngokuqhelekileyo, ezininzi iimveliso ezifutshane ziza kuhlulwa kwakhona ngedokethi ebizwa nge- addendum efutshane . I-SSA isetyenziselwa ukukhusela abathengisi kunye nabathengi kwintengiso emfutshane. Iguqula isivumelwano sokuthenga.
Kwiintlobo ezininzi zokuthengiswa kwezindlu, inkqubo ihamba njengale:
- Umnikelo unikezwe kumthengisi.
- Umthengisi uyavuma ukunikezela kwaye uyayifaka.
- Ukunikezelwa okunikezelwayo kumthengi.
Utshintsho oluthile lwenzeka xa umthengisi kufuneka acacise inxalenye yesibonelelo okanye mhlawumbi kufuneka atshintshe umbandela othile wesipho:
- Umnikelo unikezwe kumthengisi.
- Umthengisi umcimbi wokunikezela nge-counter counter .
- Umthengi uyamkela ukunikezelwa kwekharityhulam .
- Ukunikezelwa okunikeziweyo kuhanjiswa kumthengisi.
Le yinkqubo yokuthengiswa okufutshane. Uhlobo oluphambili ngoluhlu oluthile lokuthengiswa kwintengiso lunokutshintsha indlela izinikelo ezinikwe ngayo, zamkelwa, zibalwa kwaye zihanjiswa. I-SSA idibanisa:
- Ixesha lexesha onke amaqela avuma ukulinda imvume yokuthengisa emfutshane .
- Zingaphi izibonelelo ezithunyelwa kwibhankini.
- Ingaba umthengisi kufuneka axelele abathengi ukuba ezinye izibonelelo zithunyelwa kwibhanki.
Ngokwenxalenye enkulu, umthengisi angathengisa kuphela umthengi omnye. Umdayisi akakwazi ukuvuma ukuthengisa kumthengi amaninzi akhuphisanayo ngexesha elinye. Ngaphezu koko, umthengisi kanako akakwazi ukurhoxisa isivumelwano sakho, ukuba uyahambelana nesivumelwano, ngenxa yokuba umdayisi angayifumana isipho esivela kumnye umthengi.
Kodwa kukho iindlela zokwenza ukuba ukhansele isivumelwano sakho. Enye yezo ndlela kukuba umthengisi athumele isibonelelo sesibini, isibonelelo sokubuyisela emuva , kwibhanki ephakamileyo kunesipho sakho. Ngenxa yokuba ibhanki inokubuza ukuba yeyiphi umrhumo umthengisi angathanda ukuba ibhanki yamkele. Ngaloo mzekelo, umthengisi angase akhombe kwisiphakamiso sesibini. Ukuba isipho sakho siphezu kwemvume yebhanki , unokulahlekelwa ngumnikelo wakho kumthengi onqanda.
Kulula ukuba oko kwenzeka, kodwa kwenzeka. Omnye umthengi angathumela isibonelelo ngqo kwi-bhanki aze adlulise i-arhente yoluhlu kunye nomthengisi bonke ndawonye. Kwakhona, akunqabile, kodwa umthengi unokuyenza. Ukukhuselwa, abathengi abafutshane batyalwa ukuba bafumane iingcebiso zomthetho.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.