Kutheni kusalindelwe ukuthengisa kweNdlu
Abaninzi abanikazi basekhaya babukela iimpawu zokuthengisa kwiindawo zabo. Kwiimarike zathengi , kuyaqheleke ukuba ubone uphawu olulindileyo emva kweenyanga ezimbini okanye ezintathu kwi-marike kuba i- DOM ihlala ide kakhulu xa kukho abathengi abambalwa kunabathengisi.
Nje ngokuba kuqhelekileyo xa uphawu lokuthengisa olulindileyo luyehla kwaye isayinwe sokuThengwa sishiyile.
Kutheni ukulindela ukuthengisa kwekhaya kuhamba kakubi
I-Remorse Remorse
Abathengi bafumana iinyawo ezibandayo . E-California, izivumelwano eziqhelekileyo zinika abathengi iintsuku ezili-17 ukuba bahlole. Ngeli xesha, abathengi banokukhenkcela isivumelwano kunye nasiphi na isizathu, kodwa esona siqhelekileyo ukwesaba ukuthenga ikhaya . Ngeli thuba, abathengi bafumana imali yabo eqinileyo bayifaka kwakhona nasiphi na isizathu xa bekhanselwa.
Ukuthengiswa okulindelekileyo kwi-Land Park kwindawo yeSigramento kutshanje kwahlukana ngosuku olusemva kokuvalwa. Umthengi akazange amnike i-arhente yakhe isizathu sokukhansela. Wayeka nje ukutyikitya iimpepha zeemboleko kwaye wamlahleka imali yakhe. Isizathu sakhe esingabonakalwanga sasiyingozi. Lo wayengumthengi oneminyaka engamhla uya kuzisola ngesigqibo sakhe.
Abathengi basekhaya bexesha lokuqala bazuza kakhulu ngokusebenzisa iinkonzo ze- agent ye-estate estate abanamava abangabahamba ngeenkqubo zokuthenga ikhaya .
I-arhente ephawula imiqondiso yeenyawo ezibandayo inokunika iinkonzo zengcebiso kunye nokunceda abathengi bagweme ukwenza impazamo.
Uhlolo lweKhaya
Kwilihlo elingakhange lifundiswe, amakhaya amaninzi akhangeleka efanayo: izindonga ezine, umgangatho kunye nophahla. Kodwa kumhloli wendlu , yonke into edibeneyo eludongeni kunye nendawo yonke kwisiqwenga ingachaza ingxaki.
Izindlu zokuhlala eziphantsi komhlaba , ukuhlalwa kweephalahla kunye neenkqubo ezingasebenzi kakuhle ze-HVAC ziinkalo ezintathu ezibalulekileyo ukuba umthengi ongenakukwazi ukuhlola ngaphandle kokuncediswa ngoqeqesho.
Emva kokuba umhloli wekhaya abonise iingxaki ekhaya, abathengi bavalo. Zonke izindlu zinenkathazo, kwanamakhaya amatsha. Ngamanye amaxesha abathengi banqwenela ukuba abathengisi bathathe isikhundla sezinto ezigqithiseleyo okanye balungise imeko ekhoyo ngaphambili eyenza umthengi angakhululeki. Abathengi banokucela i- credit kwintengiso kumthengisi njengembuyekezo. Ukuba umdayisi wenqabe ukwenza enye yezo zikhetho, ngoko ukuthengiswa kweehasela kunye nekhaya libuyela kumarike.
Musa ukwenza ukulungiswa okungenangqiqo okanye izicelo zekhredithi. Omnye umthengi wayefuna umthengisi athengise amanani amaninzi obunobuthi obunobuthi kwaye ahlambe umjikelezo wekhaya. Omnye wayefuna imali engama-2,500 ekhredithi ukuze athathe indawo yokuhambisa amanzi. Ukuqesha umhloli wekhaya ofanelekileyo ongachaza iimpazamo kunye nokubaluleka kwazo.
Uvavanyo oluphantsi
Uninzi lwabathengi basekhaya bathabatha imali . Ukukhusela isikhundla somboleki, umboleki uya kubuza umthengi ukuba ahlawule i- appraisal . Ukuba i-appraisal ingena ngaphantsi kwexabiso lokuthengisa, nalu khetho:
- Bhatala umehluko ngemali.
- Myalelo omnye uvavanyo oluvela kwi-appraiser entsha.
- Nika umgcini-phantsi onokuthengisa okufanisa nokuxhasa intengo yokuthengisa, enethemba lokutshintsha ixabiso elithengisiweyo.
- Nika umthengisi isithwathwa sesibini semali .
- Cela umthengisi ukunciphisa intengo .
Ukuba amaqela awakwazi ukuvuma ukwenza enye yezi zikhetho, ukuthengiswa okulindelekileyo kuya kwehla.
Ukucela i- arhente yendawo yokuhlala ukuba ikunikeze ukuthengisa okufaniswayo ngaphambi kokuba ubhale isivumelwano somthengi kunokukunceda ugcine isipho sakho ngokuhambelana nokuthengisa kwangoku. Ukuqesha umnxibelelwano oqinileyo ukufumana isibonelelo samkelwe ngentengo ephantsi.
Ukunyuswa kwemali mboleko
Kuze iirekhodi zoluntu ziphandwe yinkampani yenkampani okanye igqwetha, abathengi abanako ukungazazi izibhengezo okanye izigwebo ezifakwe kuzo. Ngaphandle kokuba ezi zithintelo zisuswe, umnini-mboleko akayi kuboleka, kwaye umboleko womthengi unqatshelwe.
Abathengi abangayazi kakuhle ngamanye amaxesha banokunyusa amaxabiso abo ngokuthenga imali enkulu ekuthengeni imali yokuboleka imali.
Ukuthatha imali-mboleko yemoto entsha okanye ukuxhaswa ngemali ukuthengwa kwefenitshala kunokukwenza ukuba umthengi angafaneleki mboleko yemboleko. Ukuba imboleko iyanqatshwa ngenxa yokuxhaswa kwemali yomthengi, ukuthengiswa okulindelekileyo kuya kubuyela ekusebenzeni.
Musa ukuthabatha nayiphi na imali mboleko ngelixa ulinde ukuvala ukuthengwa kwekhaya lakho elitsha. Lindela de iirekodi zakho zemboleko kunye nokuthengiswa kwemali kuvaliwe. Musa ukwenza naluphi na malungiselelo emali ahluke kwizinto ezichazwe kwisicelo sakho sokuqala semboleko.
Ukuthengiswa kweThengi lokuThengiswa kweNdlu
Abathengi banokulahlekelwa ukuthengiswa kwekhaya xa isivumelwano sixhomekeke ekuthengiseni ikhaya lomthengi kwaye loo ndlu ayithenganga ngexesha elichaziweyo. Abathengi abambalwa banako ukukwazi ukuhlala kwiindawo ezimbini zokuhlala ngexesha elifanayo ngokwenza iintlawulo eziphindwe kabini.
Izibonelelo ezingapheliyo zingenza i-domino effect. Ukuba uthenge umthengi, zonke ezinye iintengiselwano ezixhomekeke kuloo kuvalwa komnye kuya kukwahlukana, ukwenza ukuba ezo zithuthi zilindeleke.
Ngokuxhomekeke kwisivumelwano se-verbiage, abathengisi banokuthi bahlale banelungelo lokukhaba umthengi kwaye banqande isivumelwano xa omnye umthengi efuna ukuthenga ikhaya ngaphandle kwimeko.
Yenza isicwangciso sokubuyela emva kwimeko apho ikhaya lakho lingathengi ngokukhawuleza xa unesivumelwano sokuthenga enye. Phanda ukuthabatha i- bridge loan . Ngokulungiswa okufutshane, abanye abathengi basindisa imali ngokusekwa kwendawo yokulingana kwekhredithi ngaphambi kokubeka ikhaya labo elikhoyo kwimarike.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.