Kodwa ngaba bafuna igqwetha ukuba lenze ukuthengisa okufutshane? Mhlawumbi hayi. Ngokukodwa kungekho eCalifornia apho imithetho sele ihlinzeka ngokukhusela abathengi.
Ngethuba elithile, umthengisi wandiqesha ukuba ndiyithengise ekhaya njengentengiso emfutshane e-El Dorado Hills. Indlu yakhe ngaphambili yayisisigxina xa ibhalwe kwi-ejenti eyahlukileyo. Ngokuqinisekileyo, loo arhente yendawo yendawo yatshilo kumthengisi ukuba ngumthwalo wemthengisi ukuxoxisana naye ngokuthengisa okufutshane! I-arhente yathi wayenalo ixesha elaneleyo lokubiza i-bhanki kwaye, ukuba umdayisi wayefuna ukuba ibhanki yamkele ukuthengiswa okufutshane, umthengisi kufuneka ukuba abize ibhanki ngokwakhe.
Akufuneki ukuthetha, yingakho uludwe luphelelwe lixesha kwaye ukuthengiswa okufutshane kukhanseliwe. Akusiyo ingcamango efanelekileyo ukuzama ukuxoxisana nokuthengiswa kwakho okufutshane, ngenxa yezizathu ezininzi. Ngakolunye uhlangothi, kukho ininzi yabameli bezindlu ezizungezile abazibiza ngokuba yiingcali zeentengiso ezifutshane eziqinisekisiweyo ngenxa yokuba balala ngeklasi yeeyure ezingama-3 kwindawo ethile kodwa bavale ezimbalwa, ukuba kukho na, ukuthengiswa okufutshane okufutshane.
Kutheni ufuna ukuqesha ummeli ukuba axoxe ngokuthengiswa okufutshane
Ukunquma ukuxosha, ukuba unemibuzo yomthetho, kufuneka uqeshe igqwetha. Kuchasene nomthetho we-arhente yendawo yokuhlala engenayo ilayisenisi ukuba enze umyalelo wokukhupha isiluleko somthetho. Nangona igosa liyazi impendulo kumbuzo wezomthetho, i-arhente yendawo yokuhlala ayivunyelwe ukukuxelela.
Imithetho iyatshintsha lonke ixesha. Ibhanki ineebhenti kwabasebenzi abaphumelele kwizikolo zomthetho ophezulu. Ukuba ibhanki ingayifumana indlela yokubeka umgca kumthengisi wentengiso emfutshane, ucinga ukuba ibhanki iya kudibana ncinane? Nazi izizathu ezi-3 ezifanelekileyo zokuqesha ummeli ukuba athethe intengiso emfutshane:
Ukukhutshwa kweMfanelo yoLuntu
Nangona ibhanki inokuxolela ibhalansi phakathi kwexabiso lokuthenga imali kunye nexabiso lokugqibela lokuthengisa, ibhanki ayinakuyikhulula umthengisi kwixanduva lakhe . Oku kuthetha ukuba inokwenzeka ukuba ibhanki inokukwazi ukulungisa ngokusemthethweni umrhumo wezabelo zomthengisi, unamathisele i-akhawunti yebhanki okanye ulandele umthengisi ngale mali. Kubizwa ngokuba ngumgwebo . Ileta yokuvuma yokuthengisa emfutshane ingaba okanye ingenayo i-verbiage echaza amalungelo athile eebhanki. Ukungabikho kolwimi alukho isiqinisekiso sokuthi ibhanki ikhuphe umthengisi.
Amagqwetha athi loo mboleko yemali yokuthenga (engekho inzuzo yaseCalifornia, phantsi kwemiqathango ethile) inokubuyela kwakhona ukunyanzela umthengisi kwiminyaka kamva, ingakumbi ukuba ibhanki igcinwe ilungelo lokuqokelela okanye ngandlela-thile inako ukubonisa ubungqina umboleko wawutshintshile ngexesha lothethwano lwentengiso emfutshane . Imithetho yaseCalifornia ikhusela abathengisi beeyunithi ezi-1 ukuya kwezi-4.
U khuselo lweAset
Amabhanki ahlola ingxelo yemali yomthengisi. Amabhanki ahlola i-akhawunti yebhanki yomthengisi, iintlawulo zeerhafu kwaye zaziwa ngokutsala ingxelo yengxelo yomthengisi. Ukuba ibhanki ithatha ilahleko ekuthengiseni, ngokucacileyo ibhanki ingathanda ukubuyisela inxalenye yolu lahleko. Yingakho ibhanki ibheka ixabiso lempahla yomthengisi kunye nemali engenayo.
Ukuba umthengisi uzama ukuthengiswa okufutshane ngaphandle kobunzima , kunokwenzeka ukuba ibhanki iya kucela inxaxheba yomthengisi . Nangona umthengisi ufanelekela ukuthengiswa okufutshane ngeengxaki zemali , ibhanki ingafuna igalelo. Oku kuthetha ukuba umthengisi unokufuneka ukuba eze imali yokuvala. Ibhanki ingacela umdayisi ukuba ahlawule i-akhawunti yesitokethi okanye aphephe iifom zomhlalaphantsi. Imithetho yaseCalifornia ikhusela abathengisi beeyunithi ezi-1 ukuya kwezi-4.
Uxolo lwengqondo
Xa kuthengiswa okufutshane, abaninzi abathengisi bangathanda ukubeka ingxaki emva kwabo.
Igosa linganika umthengisi lesi siqinisekiso. I-arhente yendawo yokuhlala ayikwazi.
Isizathu sokuba abanye abathengisi bangaqeshisi abagwebi ukuba baxoxe ngokuthengisa okufutshane
Ngubani onamandla amakhulu ekuxoxweni kunye nebhanki? Igosa okanye i-arhente yendawo yokuhlala? Impendulo echanekileyo ngummeli. Ngoko, kutheni abathengisi abangakumbi bengaqeshanga igqwetha ukuba bathethe intengiso emfutshane ? Ngezizathu ezilandelayo:
- Musa ukuqonda inzuzo
- Ummeli, osapho okanye abahlobo baxelele ukuba bangazi
- Ayikwazi ukuhlawula ummeli
- Ukukholelwa ngokungafanelekileyo igosa labo linika iinkonzo zomthetho mahhala
- Ungabikho mfanelo kwaye ungenayo i-asethi
Ngokomntu, ndiyakholwa ukuba umthengisi omthengisi omfutshane unokufumana inzuzo yokubonisana ngokusemthethweni ngaphambi kokubeka ikhaya kwimarike njengentengiso emfutshane. Ndicebisa kubo bonke abathengi bam ukuba bafumane iingcebiso zomthetho. Ngokukodwa xa ndibona iiflegi ezibomvu ezingabuya zizilume. Nangona urhulumente u- HAFA Inkqubo yokuthengisa emfutshane inikezela ukukhuselwa kwabathengisi, akuthathi indawo yokufumana iingcebiso zomthetho. Kwakhona, ezinye iindawo zifuna ukuba igqwetha liphathe ukuthengiswa okufutshane. ICalifornia ayikho enye yezo zizwe. E-California, ngokuqhelekileyo ama-agent agunyazisiweyo anelungelo lokuthengisa athengisa ukuthengisa okufutshane.
Ngexesha lokubhala, u-Elizabeth Weintraub, uBRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.