Ukusebenzisa izivumelwano zomhlaba kwizindlu ezithengiswayo

Indlela yokuthengisa ikhaya lakho ngeContrakthi yomhlaba

Izivumelwano zomhlaba zixhobo zokunceda abathengisi abathengisa ikhaya kwaye bacinga ukuphatha imali kumthengi. Unika abathengisi imali engenayo eyakhelwe ngaphakathi kwaye ngokubanzi ixabiso lentengo engcono kunamaxabiso anikezelwe kwiimali zeemarike zemali okanye izatifikethi zentlawulo. Nangona kunjalo, umthengisi onobuqili kufuneka athathe amanyathelo okukhusela ukulingana nokuqinisekisa ukuba umthengi unokuzalisekisa imimiselo yesivumelwano somhlaba.

Ukwahlukana phakathi kweKontrakthi yoMhlaba kunye neNgxowa-mboleko

Izivumelwano zomhlaba zezivumelwano zokhuseleko phakathi komdayisi, owaziwa njengomthengisi, kunye nomthengi, owaziwa njengeVendee.

Umthengisi uphethe imali yeVendee, enokuthi ingenayo okanye ingenayo inkokhelo ephantsi. Uhlobo oluphambili phakathi kwekhontrakthi yomhlaba kunye nomthengi awufumani umyalelo okanye isihloko esicacileyo kwipropati ade ihlawulwe isivumelwano somhlaba.

Amanye amazwe anemithetho ethatha isivumelwano somhlaba esifana nesivumelwano sokwethenjwa, kwaye ezo zivumelwano zomhlaba zinika umphathiswa, unike umphathiswa "amandla okuthengiswa" ukuqala inkqubo yokuqhawula kwimeko apho iVendee ifezekisa kwisivumelwano. Ezinye iindawo zinika abathengi ixesha elide lokuhlengwa, elifana nalabo phantsi kwe-mortgage. Ngenxa yezi zizathu, kubalulekile ukunciphisa amathuba okungagqibekanga ngo-pre-qualifying the Vendee.

Ukukhusela uMthengisi kwiNtengiso yeMhlaba yokuThengiswa kweMvumelwano

Ukuba unomboleko ophantsi, unikezelwe ukhetho phakathi kwekhontrakthi eqondileyo okanye isivumelwano sokubambisa, unikezele isivumelwano se-contract-land around. Kuya kukunika ngaphezulu kwerhafu ekhoyo ekhoyo.

Buza iingcebiso zomthetho malunga nesigatshana sokuhlukanisa. Umboleki-mboleko unokubiza umnini-mboleko wakho ngenxa kwaye uyahlawulwa ukuba umthengi ufumanisa ukuba uthengise ikhaya ngekhontrakthi yomhlaba.

• Ukufumana ingxelo yeNgxelo kuMthengi. Ukuba umthengi ufake i-bankruptcy, wenza iintlawulo ezithe wabuya kubabolekisi okanye, ngaphezu koko, akukho ngxowa-mali, ezo ngxelo zihlaziyi ziflegi ebomvu.
  

• Ifuna iNkqubo yoMshuwalense Yesihloko . Ukukhangela kwesihloko kwirekhodi kawonkewonke kuya kubonisa izibambiso okanye izigwebo ezifakwe kumthengi. Inkampani yesicatshulwa iya kucela ukwaneliseka kwala ma- encumbrances ngaphambi kokuba iqinisekise isivumelwano somhlaba kwi- policy title . Cela ukuba ubone ikopi yengxelo yesigcaziso sokuqala (okanye ukuzinikela kwintengiso yomshuwalense) ukuchonga ukuba uphando luchaza nantoni na ngomthengi.
  
• Cela iNkokhelo ephantsi. Abathengi banako ukuhamba kude nekhontrakthi yomhlaba okanye bayeke ukuhlawula kwisivumelwano sokuthengiswa kweentengo xa umthengi uye wenza inkokhelo enkulu. Imali eninzi etyalomalileyo, umthengi omncinci uya kuba mngcipheko wokulahlekelwa.
  
• Ukuthatha ixesha elifutshane leMali. Unako ukuhlawula iintlawulo zeeminyaka engama-30, kodwa cela imali yokubhalwa ibhaluni emva kweminyaka emihlanu okanye elishumi. Oku kuya kumvumela ukuba umthengi ahlaziye okanye athengise ipropathi ukuhlawula ngokukhawuleza. Khangela ukujonga ukuba lolu hlobo lwemali luhambelana nemithetho yakho yomgaqo. Iintlawulo zeBhalon zingavunyelwa.
  
• Qinisekisa iNkcitho yoMthengi. Qinisekisa ukuba umthengi uqeshiwe kwaye usetyenziswe ubuncinane ubuncinane iminyaka emibini, mhlawumbi ixesha elide. Buza ukuba umthengi uqeshwe yinkampani okanye umsebenzi wekhontrakthi kwaye ingaba ixesha lokuqeshwa lingasetyenziselwa ukuqedwa naliphi na ixesha kungekudala.
  

• Cela iiNgxelo zoBuntu. Khangela iingxelo zomthengi, kubandakanywa nabanikazi bezindlu. Buza malunga nomlando wokuhlawula kwiingeniso zangaphambilini, kungekhona nje ukuqeshisa kwangoku ngenxa yokuba ngamanye amaxesha abanikazi bempahla baza kuthetha nantoni na ukuba bafumane umqeshi ngaphandle kwipropati. Buyela kumnini-ndawo phambi komnini-mhlaba okhoyo kwaye ubuze.
  

• Nxininisa umthengi ukuba afumane umgaqo-nkqubo we-Innshurensi yomNinimzi. Awufuni ukuba noxanduva lwekhaya emva kokuba isivumelwano somhlaba sisayinwe kwaye sazisiwe. Qinisekisa ukuba umthengi akubiza njengesiqinisekiso esongezelelweyo kwaye ufumane ikopi yomgaqo -nkqubo we-inshorensi yomninikhaya .
  
• Misela iAkhawunti yokuThengwa. Amabhanki amaninzi kunye namaziko emali anikezela ngenkonzo eya kuqokelela iintlawulo ezivela kumthengi kwaye izithumele kuwe okanye zifake kwi-akhawunti yakho yasebhanki. Ithintela umthengi ukuba azi idilesi yakho yasekhaya, kwaye ilungiselelo likukhulula ukuba uhambe.
  

• Ukuqokelela iintlawulo ezivela kwiVendee. Cela iVendee ukuba ihlawule irhafu kwenkampani yakho yokuhlawula. Inkampani ingenza iirhafu zerhafu kumhloli wakho wepropati kwaye unokuqiniseka ukuba irhafu iya kuhlawulwa ngexesha.
  
• Faka iNkcitho yokuhlawula ngokukhawuleza kwiKontrakthi yoMhlaba. Ukuba uhlawula imali ehlawulwa phantsi, uya kufuna ukufumana iintlawulo zakho ngexesha elifanelekileyo ukuphepha iindleko zakho zokugqibela. Ukuhlawula umthengi umrhumo ofanelekileyo kwimbuyekezo efunyenwe ngokukhawuleza ukukhohlisa umthengi ukuhlawula ngexesha.
  
• Qinisekisa ukugcinwa kokugcinwa kunye noKhathalelo. Cinga ngokubandakanya isigatshana sokukhawuleza kwisivumelwano, esiza kukuvumela ukuba wenze iVendee ihlaziye ipropati ukuba imeko yeso propati iba yingozi kumali-mali.
• Ukuthintela iVendee ukususela kwi-Contract. Emva kokuba wenze umsebenzi wakho wesikolo ukuba uvume lo mthengi, awufuni ukunika umthengi ilungelo lokunika inkontileka kwiziko elingaziwa.
  
• Thetha kummeli. Kuyafaneleka ukuba uchithe ama-dollar ambalwa ukufumana iingcebiso zomthetho ngaphambi kokuba ungene kwisivumelwano somhlaba. Ngaphandle koko, igqwetha linokucinga ngento endilahlekile kule ncwadana yeengqungquthela.

Ngethuba lokubhala, u-Elizabeth Weintraub, Cal BRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.