Ingaba unokuzuza ngokuthenga ikhaya kwi-preforeclosure?
Ngelishwa, zombini ezo zizathu, ngelixa livumelekile kumthengi wekhaya , azinakwenzeka ngokwenene.
Igama elithi preforeclos is commodity hot, nangona kunjalo, kuba kuthengi abathengi kubo. Abaninzi abathengi basekhaya abaqondi ukuba kusebenza njani ixesha elidlulileyo okanye oko kwenza ikhaya libe yindawo ebhengeziwe ngaphambili. Bayazi nje ukuba bafumana la makhaya adweliswe kwiiwebhusayithi ezidumile, kwaye bafuna ukuzithenga.
Ukuba sasibeka umnwe wesohlwayo kuye nawuphi na umntu ngenxa yale ngcaciso engafanelekanga, bekuza kuba yiwebhusayithi eyaziwayo ebonisa le mizi. Bajolise ekuthengeni abathengi basekhaya abafuna ukuthenga ikhaya, kwaye aba bathengi abahluphekileyo bafumana yonke into evuyayo. Ezi website zithengela uluhlu olungapheliyo ukuze lupapashwe, lusondle kwiindwendwe ezingabonakaliyo.
Oko akuthethi ukuba umthengi akakwazi ukuthenga ukuhlaselwa kwangaphambili. Abatyalomali abanomsebenzi wokuqulunqa kwangaphambili baye bazama ukwenza amacandelo kwicala kunye nabathengisi abanakho okanye abangavumelekanga kuzo zonke iimeko. Uninzi uthi, umzekelo, unemithetho malunga noko umtyalo-mali angakwazi kwaye akakwazi ukukwenza xa abanini bezindlu bengasemva kwiintlawulo zabo nakwinqanaba leforeforeclosure.
Yintoni ebhengezwe ngaphambili?
Ikhaya lokuqala likhaya apho ukuqhutyelwa kwenkcazo yokuqhawula isenokuthi okanye ingaqalanga. Akuyimfuneko ukuba isaziso sokuqhawula ngokusemthethweni sibekwe kwiirekhodi zikawonke-wonke zendlu ukuba ziqwalaselwe njengengqonge; nangona kunjalo, ngokuphindaphindiweyo kunokuba kunjalo, isaziso sokungagqibekanga siya kwenziwa irekhodi kawonkewonke.
Iforeforeclosure ithetha ukuba ikhaya alikabizelwa kwaye umthengisi uyasemva kweentlawulo zempahla . Umthengisi unako ukhetho lokufumana iintlawulo zemali kunye nokuzisa i-mboleko yangoku, ngoko ke, ikhaya aliyi kuba likhaya lokuqala. Ukuba umdayisi uhlala engagqibekanga kwaye uyaqhubeka nokuyeka ukuhlawulwa kwemali , ekugqibeleni ikhaya liya kugqithiselwa kwaye lithathwe ngumthengi okanye ibhanki.
Kungenxa yokuba umninikhaya usemva kwiintlawulo, akuthethi ukuba umninikhaya unqwenela ukuthengisa ipropati okanye ukuba ikhaya liya kuhamba kwinkqubo yokuqhawula kwaye iphele kwi-inventory ye- REO yasebhanki. Imizi yokuqalela imfuyo idla ngokungaqondi kakuhle. Ukuba indlu yasekuhlaleni isethengiswa, iya kuthiwa ithengiswe ngokufutshane , kungekhona iforeforeclosure. Uninzi lwamakhaya alungele ukuthengiswa.
Indlela yokwenza isibonelelo kwikhaya lokuqala
Indlela elula yokuthenga ikhaya elikwinqanaba lokuqala kukunceda umthengisi ukuba enze iintlawulo zangemuva aze ahlele ukuthenga ikhaya ngqo kumthengisi. Enye ingxaki ngolu hlobo abanye abathengisi abafuni ukuthengisa ikhaya labo. Ngokuqhelekileyo kunenzuzo kumtyalo-mali osebenza ngqo nomthengisi. Kungenxa yokuba umnini-mthengi akanakho ukuba nombono omuhle kakhulu wokuba ufanele kangakanani ikhaya lakhe.
Abathengisi kaninzi abazi ukuba bangafumana phi ngokuthengisa ikhaya labo kwindawo yokuthengisa. Oku kuthetha umtyalo-mali unokusebenzisa ngokunjalo lo mthengisi, nangona umtyalomali angenakuvuma. Umtyalo-mali unokukhetha ukukholelwa ukuba uncedisa umthengisi ukuba agweme ukuvalwa . Kodwa umtyalomali uceba ukuthenga ikhaya elingaphantsi kwexabiso elifanelekileyo, mhlawumbi unike umthengisi iiligidi ezimbalwa zeedola ukuhambisa umthengisi ngaphandle kwekhaya.
Ngenxa yokuba abaninzi abathengisi bangawa lixhoba kwesi sicwangciso, amanye amazwe athe adlulisa imithetho kwinzame yokukhusela abanikazi bezindlu abasengozini abajongene neenkqubo zokuqhawula. Eminye yale mithetho inikezela abathengisi ukuba banelungelo lokurhoxisa ukuthengiselana emva kwexesha elithile kwaye, ukuba loo lungelo ayinikiweyo kubathengisi, abathengisi banakho ukufumana ikhaya.
Kuphi ukufumana amakhaya angaphambili
Ngethuba lekhaya lokuqala libalwe yi- arhente yezindlu zentengiso njengentengiso emfutshane , ikhaya liya kuthi lithengiswe ngexabiso lemarike. Amabhanki kufuneka avumele ukuthengiswa okufutshane ukuthengiswa okufutshane, kwaye iibhanki ziqeshe abahloli bee-appraisers kunye nabanye abameli be-real estate ukwenza i-BPOs. Abanye abathengi abacebileyo banokukhetha ukuxoxisana nomthengisi phambi kokuba ikhaya libe yintengiso emfutshane.
Kuyathakazelisa, kwakhona, ukuba uqaphele ukuba akukho kuthengiswa okufutshane kukubandakanya umthengisi osemva kweentlawulo zakhe. Abanye abathengisi bangabakho kwaye banokwenza ukuthengiswa okufutshane, ngoko abathengisi abasemgangathweni abanakuze bawele kwi radar yangaphambili.
Ukufumana ikhaya lokuqala, abathengi banokukhangela amawebhsayithi adumeleyo athabatha ukutya kwi-aggregator okanye anokuhlawula ukutya. Ezinye iiwebhusayithi zokungqambela zipapasha ngokutsha kwangaphambili. Ukuba uninzi ixesha, ungaqhagamshelana nabanikazi bezindlu ukuba ufumane ukuba ngaba ngubani na onomdla wokuthengisa.
Enye ikota kukuzama ukuthenga ukugqithiswa kwangaphambili njengentengiso emfutshane phambi kohlu lwabathengisi kunye ne-agent estate. Enye indlela elula yokufumana le ntlobo yamakhaya kukujolisa kuluntu olwakhiwe ngexesha lokubhubhisa indawo yokuhlala , apho abaninzi abanikazi bokuqala behlala khona. Ezinye zala makhaya zisenokuba ngaphantsi kwamanzi, ingakumbi ukuba kwakungekho ukubuyiswa okupheleleyo kuloo ndawo.
Abanini bezindlu mhlawumbi abaxhamli, nangona bangenako ukuthengisa ngaphandle kokwenza ukuthengiswa okufutshane njengoko bengenalo ubulungisa. Khumbula ukuba xa indlu ihlelwe ngokuthengiswa njengentengiso emfutshane, amaninzi amanxusa aya kubonisa ikhaya kwikhulu elikhulu labathengi kwindawo yeemarike, ezingasayi kukunika umda. Nangona, kukho iindawo ezimbalwa zeengqungquthela kwi-preforeclosure shishini, njengakwiyiphi na ishishini; akukhuthazwa ukuba ujongane nabo.
Uninzi lwabathengi basekhaya lokuqala lungafanele luqhubekele phambili kwangaphambili kodwa luya kulungela ukugxila kwimigudu yokufumana ukuthengisa ngokuthe rhoqo, ukuthengiswa kwangaphambili okanye ukuthengisa okufutshane, zonke ezo zithengisa ngexabiso elifanayo lemarike. Khetha i-arhente elungileyo yokunceda ukuthenga ikhaya, i-arhente enokukunceda uxoxisane.