Uxinzelelo lwezindlu kwiiNdawo eziPhezulu
Awona onke amakhaya angaphiliyo ahamba kuyo yonke indlela ngokusebenzisa ukucacisa. Abaninzi bathengisa ngaphambi kokuba isaziso esingagqibekanga sigqitywe. Abathengi basekhaya kunye nabatyalomali bakhangwa ukuthengisa okufutshane kunye neengaphambili ngenxa yokuba bafuna ukuthenga ikhaya elingaphantsi kwexabiso lemarike. Bahlala bekulindele "i-deal". Ngamanye amaxesha, abathengisi abangagqibekanga kunye nabathengi abafuna ukuthenga intengiso emfutshane okanye ukuchithwa kwempahla bangakwazi ukujonga amehlo kunye nokungena ekuthengiseni inzuzo yamabini omabini.
Kodwa akusoloko kuyindlela elula yokuhamba. Ukuthengwa kwezindlu ezixinzelelekileyo zihlala zilukhuni kwaye abanini banamalungelo omthetho xa kukhankanywe. Bobabini abathengisi kunye nabathengi kufuneka bafune iingcebiso zomthetho ngaphambi kokuba bangene kwisivumelwano esinjalo. Kwamanye amazwe, kufuneka unike umnini-lungelo ilungelo lokukhansela kwaye ukuba awukwazi, banokuyicima inkontileka kwiminyaka kamva.
Ekhaya abathengisi kwiNgqungquthela
Kuqheleke ukuba abathengisi be-foreclosure bafune ukungayinaki ingxaki kwaye banethemba lokuthi liya kuhamba. Abanye banamathele iintloko zabo entlabathi. Kodwa uncedo lukhoyo. Abathengisi benkqantosi banokukhetha ngaphandle kokuvumela ibhanki ibambe ikhaya labo.
- Indlela yokuMisa ukuCandwa kweNkcazo inikezela uncedo kubanikazi abafuna ukugcina ikhaya ngokubuyiselwa, ukunyamezela, ukuguqulwa kwemithwalo yempahla okanye izicwangciso zokubuyiselwa.
- Iintengiso ezimfutshane kubaShengisi zicacisa indlela yokuhambisa isihloko kumthengi ngaphambi kokuba ixesha lokuhlengwa liphelelwe ngokunyengisa umboleki ukuba amkele ngaphantsi kwe-balance balance mortgage. Bonke ababolekisi baya kwamkela ukuthengiswa okufutshane, kodwa abaninzi baya. Oku kubandakanya ukuba ngabaphi ababolekisi bafuna kubathengisi. Ingxoxo kunye nexabiso liyintloko.
- Ukuqulunqa nokuThengiswa kweMpahla emfutshane kuxoxwa ngendlela i-IRS eya kunyanga ngayo ukugqithiswa okanye ukuthengiswa okufutshane kwiinjongo zerhafu. Kuthiwa ukuxolelwa kwetyala, kwaye phantsi kweentlawulo zerhafu, abathengisi banokuhlawulwa irhafu irhafu nangona abathengisi belahlekelwa yimali ekuthengiseni.
Iingcebiso zokuthengwa kwangaphambili kunye nezindlu ezifutshane
Ayikho yonke into eyenziwa kwangaphambili kunye nokuthengisa okufutshane kunenzuzo. Ukukrazula ikhaya ngaphandle kwenkcazo yokuthenga, abathengi kufuneka bahlawule iintlawulo kumbolekisi, bahlawule yonke imali ehlawulweyo kwaye bahlawule umboleko okanye benze amalungiselelo okuthengisa impahla. Abambalwa ababolekisi bazakuvumela umthengi ukuba athathe uxanduva olukhoyo, kungekhona ezinsukwini zakudala.
- Ukuthenga iiNdlu ezixinzelelekileyo kuquka iindlela ezintathu zokuthenga: ukusuka kumthengisi ekugqibeleni, ukuthetha ngokuthengiswa okufutshane okanye ukuthenga kumntu obolekayo emva kwendyuni yomntu. Funda oku ngenyameko njengoko abatyali-mali kwamanye amazwe bengenakumelelwa ngumphathi wezindlu.
- Ukuthenga iinkcukacha ezimfutshane zokuthengisa ukuba kutheni le nkqubo iyanzima kwaye ingathatha ixesha elide ukuvala ngaphezu kokuthengiselana ngokuqhelekileyo. Akukho konke ukuthengisa okufutshane kukunceda, kwaye eli nqaku lichaza isizathu.
- Ukuthengwa kwangaphambili kukuthenga ukuthengwa kakubi ngaphambi kokuba ikhaya liye kwintengiso yomntu, kwaye kubandakanya ukuthetha ngokuthe ngqo nomthengisi. Abathengi banakho ukhetho lokubethelwa kwintengiso kwintengiso yomntu, kodwa wazi iinkqubo zokuqala.
- Iimpawu zokungcebeleka zixoxwa ngeempembelelo kunye neengxaki ezikhoyo ezihlala zikhona xa kuthengwa ukuchithwa. Abathengi abazithengisayo kwiintengiso zentengiso ziya kuzuza ngokufumana ulwazi oluninzi njengoko kunokwenzeka ngaphambili.
- Ukungaphumeleli Ukuthatha iiValues zaseKhaya. Amakhaya asondeleyo aya kuziva umphumo, onokutsala ixabiso lemarike yesitengiso esincinci esithengiweyo okanye ukuchithwa kwempahla. Eli nqaku lichaza ngokucacileyo malunga nendlela abahloli bee-appraisers bajonga ngayo ixabiso kwiindawo zokuhlala kunye nokuthengiswa kwezindlu ezixinzelelekileyo.
Ukulungiswa kweeNkcazo zokuThuthukiswa kweeNdawo kunye neZindlu ezithengisayo
Enye indlela yokwenza imali kwi-real estate "ukuthenga phantsi kwaye uthengise phezulu." Umbhangqwana lowo mgaqo ngokulungisa ikhaya okanye ukuphucula, kunye nenani lentlawulo linokuba lukhulu ngakumbi. Ngaphandle koko, amakhaya amaninzi agxininisekile awela phantsi kwaye afuna ukulungiswa.
- Ukulungiswa Ngaphambi kokuba uhlaziywe kungakhuthaza inzuzo engaphantsi. Kodwa akukho konke ukulungiswa okanye ukuphucula ukubuyisela i-100% yentyalo-mali. Funda ukuba kutheni.
- Phezulu Zizenza Ziziphoso . Eli nqaku libhekiselele kwiiphene ezi-10 eziqhelekileyo iimpahla zabanikazi ezenzayo xa uzama ukufakela indlu. Musa ukucinga ngokuthenga ukuchithwa de uze ufunde oku.
- Ukuqulunqa nokuThengisa uluhlu lwesahlulo ezintlanu kunye neekhonkco ekupheleni kwinqaku ngalinye ukuya kulandelayo. Ingcaciso yokuqala yenkcazelo ebandakanya iiprojekthi ezilungelelaniso zokulungisa izinto ezigqityiweyo ezigqityiweyo emizini emihlanu yeemfestile.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.