Isisombululo seeNkcitho eziPhantsi
Kwiimarike ezitshisa kakhulu ezithengiswayo ezithengiswayo kunye nabathengi abaninzi abavame ukuhlala kwikhaya elifanayo, abathengi basekhaya abakhuthazwayo banokuvakalelwa ukuba banesidingo sokunikezela ngentengo ephezulu yokuthenga. Ngokuqhelekileyo, loo nto inika ixabiso liphezulu kakhulu ukuba ilandelelwe ngumthengisi wabo. Oku kunokubangela ukuba oko kwaziwa ngokuba yi- appraisal ephantsi . Nangona kunjalo, abathengisi akufanele bavumele ukuba uvavanyo oluphantsi luyeke ukuba bakhethe umnikelo onokuphakanyiswa ukwedlula ikhaya.
Abathengisi banokukhetha.
Makhe sibone umzekelo oqhelekileyo wezinto ezinokuthi zenzeke kwiimakethe ezishisayo. Okokuqala, amakhaya abathengi abafuna ukulwa nawo ngoloo mizi:
- Kwimeko efanelekileyo
- Ixabiso elifanelekileyo
- Kwiindawo eziphakamileyo ezifunekayo
- Ngokuqhelekileyo kufumaneka kwisithili esikwinqwenelekayo kwisikolo.
Ukuba ikhaya olifuna ukuthengisa liphethe zonke iimpawu kwaye sele liye kwiimarike ixesha elifutshane, luphawu lokuba wena, njengomthengisi onenhlanhla, unokufumana uncedo oluninzi. Ngokukodwa xa kukho inkalo yemingalo ephakamileyo kunye nemiboniso emininzi yemakhaya, ebonakaliswe nguninzi lwee-arhente zamashishini zoshishino ezishiye kwi-counter counter.
Yiyiphi Impepha Eninzi Eyona Ixabiso Loluhlu Lungcono Kuyamkela?
Kuqhelekile ukuba abathengisi bajabule kakhulu xa isithuba sokuthenga sifikile, zonke ixabiso lentlu. Into yokuqala into yokuba umthengisi angacinga ukuba " Oo, mntakwethu, sithengisa ikhaya ngokuncinci ," kunengqiqo kodwa akunjalo ngokwenene.
Ngokuqhelekileyo, ukufumana izibonelelo ezininzi kuthetha ukuba uthengise ixabiso lekhaya ngokufanelekileyo. Ukunikezwa kwexabiso lentengiso kubonakalisa uvuyo kunye nokuzimisela komthengi ukuba kukhethwe njengesiphumo sokuphumelela.
Qaphela iincwadi zothando zengqondo ezithunyelwe kunye nesipho sokuthenga. Kukho iiwebhusayithi ezininzi apho abathengi banokukhuphela kwaye babuyibhale kwakhona ileta eklanyelwe ukutsala kwiintambo zentliziyo yomdayisi; ezinye zinyani kwaye ezinye azikho.
Abathengisa mabazame ngokusemandleni abo ukususa imvakalelo kwisigqibo sokuthengisa. Ukuba nemvakalelo yinyathelo lokuqala ukuya kwinqanaba elingaphansi komvuzo.
Okushiya intengo yokuthengisa. Abathengi bakholelwa ukuba banikela ixabiso eliphakamileyo kunanoma yimuphi omunye umthengi, ngoko umthengisi uya kubamba isipho sabo njengemali yamahhala ewa esibhakabhakeni aze asayine. Kodwa abathengisi kufuneka baqwalasele imiphumo yento enokwenzeka ntoni ukuba ikhaya lingayifaki loo mali. Ukuba indlu ayiyi kuluhlula intengo yokuthenga, ithetha ukuba umboleki-mali akavumanga ukuboleka imali ephezulu-mboleko. Kakade, ukuba isibonelelo siyimali, ngokuqhelekileyo akukho ntsebenzo.
Isibonelelo esihle kakhulu sokwamkela sisisipho esinokuthi sivale. Oko kuthetha ukuba akunakunikwa isibonelelo ngexabiso eliphezulu lokuthengisa.
Umzekelo wee-3 Izibonelelo ezingaphezu kwexabiso loLwimi olungabonakali
Makhe sithi, umzekelo, ukuba umthengisi wekhaya elihle kwindawo elincomekayo kakhulu e-Elk Grove, eCalifornia, unquma ukulubala ikhaya lakhe ngentengo ye-$ 550,000. Mhlawumbi ukuthengiswa okuthelekiswayo kwimizila ye-1/2 mile kuphakamisa intengo yokuthengisa ephezulu ye-549,000, okwenza ikhaya lakhe lixabise kakhulu. Nangona kunjalo, ngenxa yokufakwa kwezinto eziphantsi kunye neemfuno eziphezulu, umthengisi ufumana izibonelelo ezi-3.
Bazi:
- Umnikelo wesi-1 ukusuka kuJane Eyre : i-$ 560,000 evela kumthengi nge-3.5% yentlawulo phantsi kunye ne- FHA mboleko . Lo mthengi unokwenqatshelwa kwingxelo yakhe kwiminyaka emi-5 edluleyo. UJane akayi kukhawulela umda phakathi kwemboleko kunye nokuvavanya kodwa uyavuma ukuhlawula imali engaphezu kwe-1 000 ngaphezulu kunoma yimuphi umthengi.
- Umnikelo wesi-2 ukusuka ku-Arlo Guthrie : i-$ 557,000 nge-10% phantsi kunye nemali mboleko . U-Arlo unikela ukuhlawula nayiphi na umahluko phakathi kwexabiso elithengisiweyo kunye nentengo yokuthengisa, ukuya kuma-5,000.
- Umnikelo wesi-3 ukusuka kuJoe Dimaggio : i-559,000 ye-$ nge-3.5% phantsi kunye ne-FHA mboleko. Lo mthengi ungenise esinye isibonelelo kwi- arhente yohlulo kwenye indawo enepropati eneemfuno ezifanayo kunye nethemba elifanelekileyo. Oku kwenzeka ngokwenene, ukuba uyayikholelwa.
Njengomthengisi, unokuhendwa ukuba uthathe isipho esivela kuJane Eyre. Emva koko, ngubani owaziyo ngabahloli bee-appraisers?
Ukuphononongwa ngumbono womntu oyedwa wexabiso, kwaye iyakwazi ukuhlukana nomdlali we-appraiser. Iimarike ziyashintsha kwaye zitshintsha rhoqo. Ukuthengisa okuthelekisayo okutsha kungavela, okanye i-appraiser inganika ngakumbi ukuphuculwa kunomnye u-appraiser. Kuninzi ukuguquguquka ngamanye amaxesha phakathi kwexabiso elithengisiweyo.
Okanye, unokufuna ukuqwalasela imeko enzima kakhulu. Okona imeko enzima kakhulu yayiya kuba ikhaya lingalinganisa i-$ 550,000. Ngaloo ndlela, uJane Eyre wayeya kusula isivumelwano sakhe . Ukungathethi, unikezela ngokuthi "Ndiya kuhlawula imali engaphezu kwe-1 000 ngaphezu komthengi ozayo" kunokuthiwa kungabikho ukunikezelwa ngokusemthethweni kuba akukho xabiso lokuthengisa langempela. Kuyinto engamangalisa. Ngaphezu kwalokhu, kunokwenzeka ukuba umnini-mboleko kaJane angenako ukumfanelekela ukuba athenge nayiphi na indlu ngenxa yokuchithwa kwayo, njengokuba lo khetho lomgcini-phantsi. Ifulegi ebomvu.
Isipho sokuthengwa esivela kuJoe Dimaggio sibonakala singenanto xa uJoe ekulungele ukuthenga ikhaya elilandelayo kwaye akabonakali ukuzibophezela kulolu hlobo lokuthenga. Ukungathethi, ixabiso likaYoe lokuthengisa liphantsi kakhulu kunabanye, kwaye umboleko wakhe ufana noJane. UJoe usele ubonise ukuba akahambanga umgaqo-nkqubo kwaye kuthathwa njengento engafanelekanga, ukuba kungenjalo nomthetho, ukubhala isibonelelo sekhaya elingaphezulu kweyodwa xa umthengi akakwazi ukuthenga iimzi zombini. Ngaphandle koko, uluhlobo luni lomthengi umthengisi othumela amabini ahlukeneyo ahlukeneyo kumakhaya amabini ahlukeneyo kwi-arhente efanayo? Ingxaki ibhaliwe kuwo wonke.
Okukuphela kwenkxaso kule meko eyenza ingqiqo kumthengisi ukuba akhethe i-offer from Arlo. Ucocekile, umthengi uzimisele ukubeka imali apho ipenethi yakhe ibonisa khona. Ukuba ikhaya kuphela libiza i-$ 550,000, umthengisi uya kufumana i-$ 5,000 eyongezelelweyo esuka kumthengi.
Ngethuba lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia