Ukuthengwa kweBhanki eXhaswe ngeZithuba
Amabhanki anempahla yexabiso ngenxa yokuba iibhanki zifumene amakhaya ngokungena kwempahla . Iindlu kwiincwadi zebhanki zibizwa ngokuba yi-REOs, esichaza "i-real estate". Qaphela ukuba xa iibhanki zithola izakhiwo zepropati kumakhaya ngokungqambela, ngokuqhelekileyo kuba akukho mntu uboniswe kumanyathelo enkundla yokubhengeza inani elincinci lemali ekhoyo okanye i-bhanki ngenjongo yobuncinane ubuncinane obunokuphakamisa mntu.
Ekubeni, kungenakuvakala ngathi ukulungiswa kwangaphambili kunenzuzo, ingakumbi ukuba ibhanki ifuna ukuthengisa i-inventory yayo kwimarike evulekileyo yexabiso eliye lahlawulwa ngebhanki ngumbutho ophelileyo. Nangona kunjalo, apha zimbini izizathu ezibangela ukuba i-REO inokukunceda kuwe:
- Ukuba iimali-mboleko ezimbini zazisondeza kwipropati (eqhelekileyo kule mihla), umboleki wesibini ngezinye iinkhathi akayikubeka phambili. Ukuba umboleki wesibini akenzi iintlawulo zangemva kumthengisi wokuqala kwaye aqale iinkqubo zakhe zokuqhawula , umthengisi wesibini upheliswa ekukhunjweni. Amanqaku amabini amanqaku amabini ahlawulwa ngama-20% okanye ngaphezulu kwexabiso lemarike yasekuqaleni.
- Ibhanki kaninzi ayifuni ukuhlala kwi-inventory yayo. Ekubeni ingayifumana ibhanki yayo encinci evela kumtyalomali okanye umthengi wekhaya ngexesha lokuthengiswa kwezinto zokungcebeleka kwi-courthouse, ibhanki inokuthi ibe yintengo ukuba i- REO ekhaya ibe ngaphantsi, nje ukuyilahla. Ixhomekeke kwi-accounting yayo yangaphakathi.
Ukufumana abaSebenzi bee-Listing ze-REO
Kukho ezininzi iindawo ezifumaneka kwi-intanethi ukufumana izikhwebu . Nangona kunjalo, unokufumana kwakhona kwi- MLS . Ukuba ubuza i -ejenti yomthengi wakho ukukhangela i-MLS ye "REOs," mhlawumbi uya kufumanisa ukuba i-smallest of real estate agents agxile kwi-REOs yokuthengisa kwindawo yakho.
Nazi iziphakamiso malunga nee-agent zohlu lwe-REO:
- Uninzi lwe-REO uludwe lwee-ejenti kuphela ze-REOs, alukho olunye uhlobo lwepropati.
- I-REO zorhwebo zorhwebo zihlala zinika izaphulelo kwiibhanki ngokubuyisela ishishini layo, ngenxa yokuba abo bajameli banokubamba ngokuvakalayo kwaye ngamanye amaxesha umphathi we-asethi uhlalwa.
- I-reo zorhwebo zorhwebo zenza imali ngokuthengisa ezininzi ze-REO okanye zisebenza njengarhente . Ngaphantsi kwe -ejensi ephathekayo , i- reo yoluhlu lwe-REO iya kufumana zombini i-comit commission kunye nekhomishina yomthengi.
- Ukutsala ii-ejenti zabathengi, amaninzi amabhanki anika ipesenteji enkulu kwinkokhelo kwi-ejenti yomthengi ngelixa ehlawula umyalelo we-arhente yoluhlu.
- I-REO zorhwebo zorhwebo ngokubanzi zimela umthengisi, kungekhona umthengi. Cinga ukuba ufuna ukumela kwakho, unako.
- I-reo zee-agents zoluhlu ziqhelekileyo zivelisi ezivelisa phezulu ngenxa yexabiso labashishini abaqhubayo. Ngokuqhelekileyo abachithe ixesha elide basebenzisana nabathengi.
- Abanye abameli be-REO baxakeke kangangokuba baqesha abacebisi kwiifowuni zentsimi. Abaninzi abanikeli inombolo yabo yefowuni eyimfihlo, engenza unxibelelwano lunzima.
Ukuqesha uMmeli weMthengi
Ngaphandle kokuba unamava athile axoxisana kunye neebhanki, unokufumana ukubonakaliswa okungcono ngokuqesha i-ejenti yakho yomthengi .
Ngaphambi kokuba ukhethe i-arhente, khetha ezimbalwa uze udliwano-ndlebe nabashenxisa bezindlu ukuba bafumane okufanelekileyo.
- I-ejenti yomthengi inomthwalo wemfanelo wokukhusela iimfuno zakho.
- Iintengiso ze-Athengi azimele umthengisi. Nokuba xa umthengisi ehlawula ikhomishini yakhe.
- I-ejenti yomthengi ihlawulwa ngokutsha ngumthengisi. Oku kuthetha ukuba akunakubiza ukuba uqeshe i-ejenti yomthengi.
- I-ejenti yomthengi inokukucela ukuba usayine isivumelwano somthengisi somthengi , esiza kubeka umsebenzi weejenti kuwe kwaye uchaze ukuba ngubani ohlawula ikhomishini .
- Cinga ukusebenza kunye ne-ejenti yomthengi onamava asebenza kunye nee-REOs.
Ukuthetha kunye ne-REOs
Ukuba uluhlu lube lutsha kumarike, kunokwenzeka ukuba ibhanki ayiyi kuguquka kakhulu kwixabiso layo lokubuza . Uya kuba namandla amakhulu ekuthethwa ngawo xa wenza izibonelelo kumakhaya asemakethe kwiminyaka engaphezu kwama-30.
Nazi iziphulo ezingaphezulu:
- Amabhanki athetha isaphulelo sezinga elincinci kunye nekhampani kunye neenkampani zokuhlawula. Ukuba ukhetha ukusebenzisa itayiti / iteksi yenkampani , uhlole iirhafu ezi nkampani ziya kukuhlawula. Ngokuqhelekileyo, iintlawulo ezingakhokhelwa yibhankini kodwa zihlawulwe ngumthengi ziya kuba ziphakamileyo kuba isihloko kunye nesigxina ngokuqhelekileyo zenza ezo zaphulelo ngokuhlawula abathengi abaninzi.
- Iibhanki ezininzi zisuka ekuhlawuleni iindleko zokuvala eziqhelekileyo kumthengi. Ezinye iirhafu ezifana neerhafu zokudlulisa , i-county kunye nemirhumo yeburhulumenteni, zilawulwa ngumthengi kwaye ayikho ibhanki. Amabhanki aqhelekanga ukuhlawula iingxelo eziphazamisayo , ukulungiswa okanye izicwangciso zewaranti zasekhaya .
- Ezinye iibhanki aziyi kusayinela ukunikezelwa kwee - counter kuze kubekho onke amaphepha ayavunyelwana ngokuvumelana phakathi kwamaqela ngomlomo.
- Lindela i-bhanki ukuba izenze isivumelwano sakho sokuthenga okanye isongezelelo kwisivumelwano sakho sokuthenga. Yifunde ngokupheleleyo uze ucele igqwetha le-real estate ngcebiso xa ungaziqondi. Unokubetha igqwetha lebhanki lenze le khontrakthi, kwaye ayikho into yakho.
- Ukuba ibhanki ayiyi kukhwela kwaye ufumana isibonelelo sokukhanyela , linda ezinye iintsuku ezingama-30 uze uphinde uthumele umnikelo wakho wangaphambili, umhla wokuqala uphume kwaye usuku lwakho olutsha lufakwe.
- Unokulinda iintsuku ezili-10 ukuphendula kwisipho sakho esivela kwibhankini. Linda. Ndiyazi ukuba kuluhlaza ukuba ezinye iibhanki zingathatha ixesha elide ukuphendula, kodwa zinako.
- Ibhanki ingacela ukuba ungenise isicelo sokubolekisa imali ukuze ikwazi ukulinganisa; Nangona kunjalo, awubophekile ukuba ufumane imali mboleko kwibhanki.
- Ukuba awukwazi ukuvala ngomhla wokuvalwa kwangaphambili, i-bhanki inokukuhlawula isilathiso ngosuku ngalunye udlula loo mhla. Qinisekisa ukuba unobungqina bokubakhombisa imali mboleko kwi-lender yakho ngaphambi kokuhambisa isibonelelo, kwaye ufumane isiqinisekiso sokuba uza kufumana inkxaso-mali evela kumboleki wakho ngaphandle kokubambezeleka ekulibazisekeni okungalindelekanga.
- Mhlawumbi uyacelwa ukuba uthenge ikhaya "njengoko kunjalo." Kukho ukuphazamiseka ukuthenga izinto ezingaphambili . Yenza isipho sakho phantsi kokuhlolwa kwekhaya . Abanye abathengisi kwiimpahla ze-strip ezingaguqukiyo ukusuka kumakhaya okuthungela .
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.