Ukuhamba Ukuvala

Abathengi baseKhaya abahamba kude ekugqibeleni i-Escrow

Ukuhamba kude nokuvalwa kuyenzeka kaninzi kwiimarike zathengi kunokuba kuthengiswe iimarike. Kungenxa yokuba kwimarike yomthengi, xa amaxabiso athambileyo, abanye abathengi batyiswa xa befanele baxhamle ngovuyo. Abaninzi banesaba ukuqhubeka behla kwiimarike kwaye abazive bekhululekile kuba bonke abahlobo babo abazithengi.

Uloyiko luqala ukungena ngqo emva kokuba isipho sokuthenga samukelwe kwaye sakha.

Ngethuba elililo eliqhaqhazelayo lihleli, ngokuqhelekileyo lusuku okanye ezimbini ngaphambi kokuvalwa. Ngaba unokukwenza oko? Ngaba umthengi angahamba? Ngokuqinisekileyo, kodwa inokubetha umthengi apho ibuhlungu khona, ngqo ephaketheni.

Abadayisi Abahamba Ngendlela Yokuvala

Akunqabile ukuba umdayisi uhamba ekupheleni. Ukuba abathengisi baya kuziva ukuzisola komthengisi , oko kwenzeka ngokunikezelwa kwenkcazo, xa kuthengiswa koko kuthengisa.

Nangona, ndiyazi umthengisi owathengile elinye ikhaya kwaye kungekudala emva koko watshintsha ingqondo yakhe. Wayefuduka ekhaya lakhe elingaphandle kwaye waya ekhaya lakhe elitsha ngaphambi kokuba ikhaya lakhe lokuqala livaliwe. Kwiintsuku ezimbalwa zokungena kwindawo yakhe entsha, wagqiba ekubeni akhuphe ukuthengiswa kwekhaya lakhe lokuqala aze abuyele ekhaya. Ngokuqinisekileyo, ngelo xesha wayenezindlu ezimbini. Kodwa oko kwenzeka kwangoko kwinyanga eluhlaza.

Kutheni abathengi basekhaya bahamba ekuvaleni

Izibonelelo zokuthenga ngokubhaliweyo ngokubanzi ziqulethe iimvumelwano ezinokuthi zisuswe ngexesha elithile.

Ixesha lokuhamba ukuvala okanye ukurhoxisa inkontileka yabaninzi abathengi basekhaya ngethuba lesantya. Abathengi abahamba ngeyona nto yokugqibela bayenza njalo ngezi zizathu zilandelayo:

• Iinyawo ezinobumba .
  Ngamanye amaxesha, ukwesaba kokuqala okuthengana nabathengi basekhaya bokuqala abayekanga ngexesha. Abathengi abaziva bezisola ngokusa ekupheleni mhlawumbi akufanele bathenge ikhaya kuba iingcinezelo zobunini bekhaya zingaba zikhulu kakhulu ukuba zisebenze. Ezi ntlobo zabathengi zingaba ngcono ekuqeshweni ngokubhekiselele ekuthengeni ikhaya.

• Ukuxhaswa kwemali ephantsi kwemali.
  Nangona ababolekisi banokukhupha i- letter yepropproval letter , akuthethi ukuba umboleki uya kunika abathengi imali mboleko. Emva kokuba umthwalo wemboleko ukhutshwe , abathengi banokujamelana nemigaqo engabinakuyenza . Igosa lemboleko leemali-mboleko liyakwazi ukubona iziganeko ezininzi zokuvunyelwa kwemboleko kwaye zilungiselele kwangaphambili, kodwa ke, abanye abaphathi bemali mboleko abanalo.
• Ufumene elinye ikhaya.
  Ingca isoloko ihlala iluhlaza ngaphesheya. Xa umthengi ezinikele ekuthengeni, unokuhlala ekhangele amakhaya , avule izindlu kwaye, ngaphambi kokuba wazi, elinye ikhaya liba likhaya eliphuphayo. Oko kuthetha ukulahleka kwikhaya lokuqala lokuphupha uze ubabone okwesibini. Akusiyo ingcamango efanelekileyo yokuvumela iimpembelelo zilawule ubomi bakho.
• Sitshintsha indlela yokuphila.
  Ukutshintshwa kwemisebenzi engalindelekanga, ukuhlawula ngokukhawuleza, ukuqhawula umtshato ongacwangciswanga, nayiphi na le meko kunokubangela ukuba abathengi batshintshe iingqondo zabo ngokulandela ukuthenga. Ngamanye amaxesha uncedo lwezonyango lunokubangela ukuba abathengi baxoshe imali. Ngelishwa, ubomi bomntu abuhlali kusetyenziswa ngendlela ecetywayo emva kokuba isithembiso sokuthenga samukelwe. Kuhle ukuba neSicwangciso B.
• Izinhlekelele Zendalo .
  Iimozulu zemozulu azinakulinganiswa. Ikhaya ngokwalo lingatshatyalaliswa kwindwangu, inqhwithi, inyikima okanye umkhukula; naziphi na iintlekele zemvelo zingabangela ukuphazamiseka, ukunikezela ikhaya elihlala kuyo. Nangona isiqhwithi esinzima semvula singenza ukuba imithi ihlwithe kwaye iqhubekele ekhaya.

  Uninzi lwabathengi phantsi kwezo meko ziya kuhamba. Kodwa baya kuhamba nokuba isicelo sabo sokulungiswa asizange sigqitywe okanye enye into engahambanga kakuhle nekhaya, ayenokuyifumana ngexesha lokugqibela lokuhlola .
  

Iimpembelelo Emva kokuhamba Ukuvalwa

Ngelishwa, xa abathengi baye bakhupha iimfuno zabo kwiikhontrakthi, idiphozithi yabo yemali isengozini. Ezinye izivumelwano zibiza umonakalo owenziwe ngokutsha xa kwenzeka. Ngaphandle kwemonakalo ehlawulelwayo, umthengisi unokukhululeka ukuba atyunde umonakalo okwenene, ongadlula idiphozithi.

Zonke idiphozithi zemali ezithembekileyo ziyaxoxisana. Akuqhelekanga ukuba umthengisi amkele i-$ 1,000 njengediphozithi kwikhaya le-$ 500,000; Nangona kunjalo, phezulu idiphozithi, imali ethe xaxa umthengi usemngciphekweni phantsi kwemonakalo ehlawulisiweyo.

Abathengi abangakhathali malunga nokuvala kwaye bafuna ukuhamba baya kudlalisa idiphozithi yabo. Ukuba kuphela i-$ 1,000, kwisikimu esipheleleyo sezinto, loo mali ayikwazi ukuba yanele ngokwaneleyo ukuba umthengi axhobe umthengi ukuba alandele kwaye avalwe.

Ukuba zombini amaqela sele avumile ukuhlawula umonakalo, imali leyo umthengisi ayifumana ngayo ukuba umthengi angagqibekanga unokukhawulelwa kwidiphozithi ngesandla.

Imfazwe yokubambisa imali ngokukhawuleza iyancipha. Ngaphezulu koku, umthengisi anganquma ukuya enkundleni aze abuze imali ethe xaxa kumthengi.

Ukufumana iingcebiso ezininzi, nceda uqhagamshelane nommeli wezezindlu .

Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.