Ukuthenga Ngethuba lokuBuleka kweZindlu

Iingcebiso zokusinda kwiNgxowa-mali

Ukuhla kwamanani asekhaya akuyona into entsha. Ixabiso lezindlu zathatha i-24% engadluliyo ngexesha lokudakumba okukhulu kowe-1929 . Ngokukhawuleza, ukuba ukunyuka kwezindlu kwakungekho ixesha elithengileyo lokuthenga i-real estate ngexesha elifutshane kuba uqoqosho lwadlula iminyaka eyi-10. Kwakude ngokwaneleyo ukuba abanye abasindileyo basoloko baze balondoloze iziqwenga zetekisi esetyenzisiweyo, njengezinye izihlobo zam.

Zonke ezinye izibonelelo ukususela ngo-1929 zadlulayo iminyaka emibini okanye ngaphantsi.

Uninzi lwaloo nto ludluliselwayo lwamaxabiso amanani ehlayo, amaxabiso amanqanaba aphezulu, izinga lokungaqeshwa kwemisebenzi, kunye nokulahlekelwa kwabathengi abathembekileyo, kunye nomnye umgangatho oqhelekileyo: Bonke bexesha elihle lokuthenga i-estate.

Ukuthengwa kwezindlu kwiMidst of Recession Housing

Xa amaxabiso awela, umbuzo awuyiyo indlela ephantsi ngayo ukuhamba kodwa ingaba ungayithengisa kangakanani impahla ngaphambi kokuba abuyele phezulu. Ukuba uthengela ikhaya ngexesha lokunciphisa izindlu, ukufumana intlawulo elungileyo kubaluleke kakhulu njengokuba unako ukubamba nokukhwela kwezindlu.

Nazi izicwangciso ezinokukunceda wenze isigqibo esisilumko kwaye uhlawulele kwixabiso lokuwa.

• Ukuthenga kwi-Market Down
  Mbonise ukuba yenza ingqondo yemali ukuba uthenge xa ​​amaxabiso awela. Ukuba amaxabiso awazange afike phantsi ngaphaya kunjalo, nantsi indlela yokuxelela apho indawo engaphantsi ikwazi ukuphumla, kwaye kutheni kungenakubaluleka.
• Ukujonga kwiiNdlu eziNinzi
  Kwiimarike ezixinezelekileyo, akuqhelekanga kwabanye abathengisi kwixabiso labo ikhaya eliphezulu kakhulu. Ukuba ubona ikhaya eliye lahleka kwiimarike, linokuthi ifune ukubukeka kweso sibini. Nantsi indlela yokuxelela.

• Ukuthenga ukuThatyelwa kweeNkcitho ekuHlalweni kweZindlu
  Ukubhengezwa kwangaphambili, ukuthengisa okufutshane, kunye ne-REOs zintlukwano. Funda kabanzi malunga nokuthenga iipropati ezixinzelelekileyo phantsi kwexabiso lemarike kwaye enenzuzo kakhulu kumthengi-ukuthengisa okufutshane, ukuchithwa kwangaphambili, okanye i-real estate-owned property (REO's). Nantsi indlela umthetho we-CA uthinta ngayo ukuthengiswa kwezinto zokungena.

• Ngaphambi kokuthenga Intengiso emfutshane
  Ngaphambi kokuba uthenge ukuthengiswa okufutshane, funda ngamalungelo akho - umzekelo, kutheni umboleki-ntengiso kumthengisi kufuneka avume ukuthengisa okufutshane kunye nendlela yokuqonda into ebandakanyekileyo ekuvaleni ukuthengiswa okufutshane.
• Ukuthenga iPost Postlessclosures: REOS
  Nantsi indlela yokuthenga i-foreclosures / REOs ukusuka ebhankini, ukunikezela ngeentetho zamakhaya ase-bhanki, kwaye umehluko phakathi kwezindlu ze-REO kunye nokuthengisa okufutshane. Unokuqesha i-agent ukuba uthenge ii-REO.

Imiba yokuThengisa ukuThengwa kweZindlu

Ayikho yonke indlu oya kuyithengisa yona iya kuba yinto efanelekileyo yokuthenga. Abanye bangadinga ukulungiswa okubanzi okanye babekho kwindawo engafanelekanga. Isitshixo ekuthengeni ikhaya kwaye kwaye siya kuba yindawo, indawo, indawo-ilandelwa zizimo.

Nazi izicwangciso zokulumkisa kubathengi basekhaya kwi-housing crisis.

• Ukungafihliyo kweTech Market Value
  Ukunyuka kwemali kuthintela kwixabiso lekhaya. Imimandla esondeleyo ivakalelwa kukuba iziphumo zokugqithiswa kwangaphambili, ingakumbi ukuba zifakwe iziqendu ezininzi. Nantsi indlela yokunceda u-appraiser esebenzise ukuthengisa okufanelekileyo okuthelekisayo xa uthengisa ikhaya kwindawo ekujongene nayo.
• Iimpawu zokuthenga izinto zokuthenga
  Funda ngakumbi apha malunga nemeko yamakhaya athengwe kwiiyunivesithi okanye ukuthengiswa kwematrasti, kunye noko umthengi angalindela nokulungiselela xa uthenga indlu ngaphandle kokuhlola.

• Ukuthatha iiNkcazo zezindlu
  Ukulungiswa kwezinto eziphathekayo kuba yi-estate yexabiso ngenxa yokuba ayikho impahla yomntu; zifakwe kwilizwe, kwindlu, oku kuthetha ukuba indawo yokuhlala ihlala kunye nendlu. Oku akuyekisi abanye abanomzi abanqwenela ukuhlamba iindonga ukuze baqothule i-Romex yocingo okanye iibhobho zethusi kunye nokuzithengisa kwi-alleps alleys.
• Iindlela zokuLawula ikhaya lakho
  Nanini na xa ukuhlaselwa kwezindlu kuhlaselwa, iinkuku zihamba ziphuma kwi-woodwork. Nantsi indlela ongayi kuwela ngayo izicwangciso zegimmicky, kunye nokuthengwa kwekhaya eliphezulu kunye neephene zokuxhasa imali kunye nendlela onokuziphepha ngayo ukwenza.
• Ukuthenga ii-Fixer-uppers
  Ezinye zezindlu eziphantsi kwexabiso ziya kuba zifuna ukulungiswa okubanzi. Nantsi indlela yokuthenga ikhaya elifuna ukulungiswa, kunye nendlela yokuchazela umahluko phakathi kwe-rehab enkulu okanye ikhaya elidinga ukulungiswa kwamancinci amancinci.

Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.