Abathengi baKhenkethi bakhuphe abaThengi bemali yokuThengisa
Ngaphandle kwee-agents zangaphambili zezindlu zithengisa uludwe lwababolekisi bemali. I-arhente ayikwazi ukuhlala kwishishini lezindlu ezingezantsi ngaphandle kwendleko mboleko okanye ezimbini zokubhenela. Xa kuziwa ekukhetheni umboleki wemali mboleko, abathengi kaninzi abazi ukuthi bafanele bayenze kuqala:
- ukhethe umboleki wemali
- okanye uqeshe i-arhente yendawo yokuhlala .
Ngakolunye uhlangothi, ukuba baqesha i-ejenti yendawo yokuhlala ukuba baqale ukubonisa amakhaya ngaphandle kokuba baqinisekiswe ngababolekisi bemali mboleko, banokuba bangazi ukuba ngaba bafanelekile.
Ukungathethi, ukuba bafanele babe nethamsanqa ukukhubeka kwikhaya eligqibeleleyo ngosuku lwabo lokuqala ukukhenketha, abayi kukwazi ukwenza isibonelelo esisemthethweni kuloo ndlu ngaphandle kwencwadi yokuqala .
Sekunjalo, ukuba ngu- REALTOR , icebiso lam kukuqala ukuqesha i-agent ye-estate estate ngaphambi kokukhetha umboleki-mboleko. I-agent yakho ye-real estate iya kuba nawe ukususela ekuqaleni ukuya ekugqibeleni kwaye ibandakanyeke kuzo zonke iinkalo zokufumana i-home experience experience. Umboleki wemali mboleko ulawula kuphela imali. Xa unokuba uzibuza ukuba ungubani kulo MSEBENZI ukucebisa umthengisi-mboleko - kuba ndiyazi indlela ezinye iingqondo ezisebenza ngayo, kwaye ukukhankanya iinjongo ezingasimfuneko - impendulo ikhona inkuthazo yezemali kwi-REALTOR evela umboleki wendleko kwiindululo.
Ngaba i-REALTOR ingayifumana i-Kickback yokukhuthaza i-Mortgage Lender?
Kuchasene ne-RESPA ukufumana i-kickback yokudluliselwa kumboleko wemboleko.
Umboleki-mboleko angakwazi ukuvuza ummeli we-real estate ukuthumela ishishini kuloo mboleko. Icandelo 8 le-RESPA liyakwenqabela nabani na ukuba bafumane inkokhelo okanye uhlobo lokuhlawula ngokutshintshela ukuthunyelwa kwemali mboleko yemali. Ekubeni phantse zonke iitalente eziqhelekileyo zithengiswa kwiinkampani ezixhasiweyo zikarhulumente ezifana noFannie Mae okanye uFreddie Mac kunye neleyo eseleyo i- FHA yemalimboleko okanye i- VA , i-RESPA iyasebenza malunga neengxowa-mboleko zemali.
Ngaba ngababolekayo kufuneka bakhethe iNgxowa-mboleko yeeNgxowa-mboleko ngokweeRhafu kunye neeMali?
Into ebalulekileyo ekufuneka uyiqwalasele xa ukhetha i-mortgage lender ephakanyiswe yi-arhente ayikho inzala , kwaye ayikho imali yokuboleka imali. Ewe, akusiyo impazamo. Phonsa yonke into ocinga ukuba uyazi malunga nababolekisi bemali mboleko kunye nokuthengwa ngemboleko ngoba akukho konke malunga neentlawulo ezihlawulwe. Iiwebhsayithi ezigqithisileyo zebhanki ziyazi ukuba abathengi bakholelwa ngenye indlela, nangona kunjalo, yintoni eyenza bakuphathe njengomntwana oneminyaka emi-5 ngokugqithisa amazinga omdla kunye nama- APR amanqanaba ebusweni bakho.
Umgca ophezulu ngababolekisi abaninzi bahlawuliswa ngezinga elifanayo. Bakwazi ukufikelela kwiingxowa zemali ezifanayo. Bonke ababolekisi bamaziko karhulumente bancintisana namanye amaziko abobolekayo, kwaye amaxabiso abo awancintisana kakhulu. Ziyakwaneliswa kwiindidi zemali-mboleko kunye nemigangatho abanokuyenza, ngokuphindaphindiweyo ukucaphula amaxabiso kuphela kwindlu.
Nangona umthengisi wemboleko, umzekelo, unokufumana ukufikelela kumachibi amakhulu emali evela kwimithombo eyahlukeneyo. Ngaphandle kokuba izinga lakho lokubolekwa kwemali mboleko livalelwe , ukuba izinga lentengo linokuhluka ngenxa yokuba amaxabiso atshintshe ngaphezu kweyodwa ngosuku. Isilinganiso esithembisiwe kusasa sinokuphakama ngemini. Musa ukukhweliswa ngamanqaku e-1/8 eepesenti ekhupha okanye ehla.
Umboleki-mboleko unakho ukuvakalisa iintetho ezizodwa ezifana nokuhlolwa kwamahhala kodwa ixabiso lelo vavanyo lingangcwaba kwenye indawo. Okanye, umboleki-mboleko ungakunikela into ebizwa ngokuba yinkqubo yokukhuseleka ekhaya, inkokhelo efunyenwe kwimali yenyanga ofuneka ukuba uyihlawule kwinkampani yokhuseleko ekhaya. Xa umama wakho akuxelele akukho nto yokutya yasemini, kholwa nguye, akukho sidlo sakusihlwa samahhala. Musa ukutshatyalaliswa ngamawebhsayithi anqabileyo kunye neendawo zokuthengisa ezikhawulezayo. Ukulondoloza imali engama-dollar 300 kwi-$ 300,000 mboleko, umzekelo, yinto encinci, yinto .001 kwaye ininzi engenakuncedo xa umboleko ungaxhasi imali ngenxa yokungakwazi.
Izinto ezibaluleke kakhulu umboleki-mboleko onokukwenza ngolu hlobo lwemali mboleko ngokukhawuleza, ngokufanelekileyo, ngaphandle kweephosiso, kunye nokuvala ngexesha.
Kutheni Umthengi weKhaya kufuneka acinge nge-Realtor Ekhuthazwayo yokuThengisa imali
I-arhente yakho ye-real estate ufuna ukuba ukuthengiselana kwakho kuvaliwe ngokufanelekileyo, ngaphandle kwe-hiccups okanye kumangalisa, kwaye enye yeyona nto ibaluleke kakhulu yokuthenga ikhaya yiphelo lokuxhasa imali.
Yindawo apho izinto ezininzi zingahambi kakuhle, zivela kwi-mortgage loan ngaphandle kokukhathazeka xa zihlolisisa isicelo sokubolekwa kwemali mboleko, ukungaziphathi kakuhle amaxwebhu, ukungafunanga amaxwebhu afanelekileyo, ngokubhekiselele kwiindawo ezinengxaki ezinokubakho iingxaki kunye neefowuni ezibomvu, ukulibala ukuyila i-appraisal kwaye ekugqibeleni ukukwazi ukuvala ifayile ngexesha.
Umboleki-mboleko uncike kwiqela labantu ukuba baqhube umbolekisi, kubandakanywa nokugqibela kwimibuzo, umgcini - phantsi . Ukuba umboleki wakho wemali mboleko ayikho inkcazo ecacileyo, engenamava okanye ngaphandle kokuhlelwa ngokungaqhelekanga, umthengi wekhaya unokungahlupheki ngokungahambi ngokuvalwa.
Abameli bezindlu eziqhelekileyo abavame ukuvalela ishishini elininzi banamava abasebenza kunye neentlobo zabathengi bemali, kwaye bayazi ukuba ngabaphi abathengi ngaphantsi kwesithembiso nangaphezulu. Bayazi ukuba ngabaphi ababolekisi baphuma bonke abanye. Unokuthembela ngolwazi olunzulu lwe-agent yakho ngokukhetha ukusebenzisa i-mortgage mboleko yakho i-arhente. Ezi ntlobo zabathengi bemali-mboleko ziyaqaphela ukuba xa behluleka ukwenza okulindelekileyo kwe-arhente, loo arhente uyayeka ukubhekisa ishishini. Ukuthunyelwa kwi-arhente yendawo yokuhlala kwi-mboleko yemali efunyenweyo; ayikwazi ukuthengwa. I-arhente yakho inxulumene naloo mboleko-mboleko, kwaye ngokuyinxalenye lolwalamano oluya kuqinisekisa ukuthengiswa kwengcinezelo. Unetyala kuwe ubuncinane ukuthetha ne-ejenti yokuthengiswa kwemali.
Cinga ngolwalamano lwakho kunye neSebe lebhanki elingaziwayo apho ungenanto incinci kumntu lowo ophumayo yonke imihla ngo-5 PM. Kunoko, ngaba awukhethandi ukuba ube ngumgca wenkampani kumntu obolekisa ngemali mboleko oshisa ioli yobusuku bobusuku ukuqinisekisa ukuba ifayile yakho ivale ngexesha? Cinga ngalokhu njengoko ucinga ukuba uhleli ephezulu kwiibhokisi zakho kwaye ulinde abahambeli. Awukwazi ukufumana i-snafu. Uninzi lwabathengi basekhaya bafuna ukuthengwa kwekhaya olutsha ukuze liphathwe ngcamango kwaye livale ngexesha lesivumelwano. Izibizo ukuba usebenzisa i-agent ye-mortgage-lender yakho, loo mzekelo inokwenzeka ukuba kwenzeke.
Iingcamango zokuvala: ezininzi iimali-mboleko zemali zithengiswa emva kokuvala. Ungacingi ukuba ukuba ukhetha ibhanki apho ugcina khona iakhawunti kuba uziva unganyaniseki ukuba imali yakho mboleko iya kuhlala kuloo bhanki.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.