Yiyiphi ingozi yokuthenga ikhaya xa uthengisa?
Yona nto ichaphazela. Unako ukuthenga uMthengisi A (wena unguye), uthengisa kumthengi B. Umthengi B uthengisa ikhaya le-B kumthengi C, okwenza ukusebenza komthengi B ku-Buyer C. Ukuba uMthengi C akayi kuvala, akukho Mthengi B okanye onako. Kodwa ukuba uMthengi C uthengisa kuMthengi D, unokuba neengxaki ezininzi. Kungenxa yokuba ukuba uMthengi D uyaphuma, lonke ukhonkco luwela ngaphandle.
Umthengisi owamkela isibonelelo phantsi kokuthengiswa kwe-domino njengale nto ithatha umngcipheko omkhulu kunokwamkela isibonelelo esinomlinganiselo omnye wokuthengisa ngoba kukho iindlela ezininzi zokuthengisa. Kukho imeko kunye neentlobo zeemarike zezindlu zangaphandle ezingenza kube nzima kakhulu kumthengi ngekhaya elikhoyo ukuba athengise ukuthenga elinye ikhaya phantsi kwexesha lokuthenga. Ngenxa yokujamelana nokuthengiswa kumthengi ongenanto yokuthengisa okanye ukuthengisa kumthengi ngesigxina sokuthengisa, exhomekeke kwinkqubela yomntu wesithathu, ucinga ukuba umthengisi uya kukhetha?
Ungakhetha ntoni?
Ukongeza, iSivumelwano sokuThengwa kweNkontileka yokuThengisa ingavumela umthengisi ukuba agcine loo mthengisi kwikharityhulam aze azame ukufumana umthengi wokugcina. Enyakatho yeKalifornia, olu hlobo luni lungabizwa ngokuba yi-Active ngeCandelo loKhupha. Ngokukodwa isigatshana sokukhaba esichazela ukuba umthengisi ufumana isibonelelo sokubuyisela emuva , umthengisi unelungelo lokunika umthengi isaziso esingumlinganiselo weeyure ezingama-72 ukukhupha umbandela wokuthengisa okanye ukurhoxisa isivumelwano .
Yintoni ukukhupha umcimbi wokuthengisa? Kuxhomekeke kwi-verbiage kunye nentsholongwane. Kungathi ukufaneleka kwemali ukuthenga ikhaya elitsha ngaphandle kokuthengisa ikhaya elikhoyo lomthengi. Kwakhona kunokuthetha ukuqhubela phambili kwinkolelo yokuba ikhaya elikhoyo liya kuvala kwaye, ukuba lingagcini ngenxa yesizathu esithile, imali enomthengi yomthengi ingasengozini yokungasebenzi.
Iikhontrakthi zihlala ziqulethe uhlobo oluthile lokusebenzisana nokholo olufanelekileyo kunye nokuchazwa. Oku kuthetha ukuba awukwazi ukubamba ulwazi olufanelekileyo kumthengisi. Ukuba umthengi kufuneka athengise ikhaya ukuze athole imali yokuvala isitshixo, le nto ibalulekileyo kufuneka ibhengezwe. Umthengi unomsebenzi omkhulu wokutyhila le nyaniso. Nangona kunjalo, emva kokubhengezwa, umthengi unokukhululeka ukwenza isibonelelo ngaphandle komgudu wokuthengisa ukuba umthengi uzimisele ukuthatha ingozi.
Yiyiphi ingozi eqhelekileyo?
Umngcipheko umthengi angaba noxanduva lokusemthethweni ukuba angavali ukuthengiselana njengoko kuthembisiwe ukuba indlu yomthengi ingavali. Ngaphandle kwimeko yokungathengisa, akukho "mhlathi" ngaphandle kwexesha eliqhelekileyo lezinto ezinjenge-appraisal, ukuhlolwa kwekhaya okanye ukuhlawulwa kwemboleko. Abathengi abacinga ukuba lo mkhangeli kufuneka bafumane iingcebiso zomthetho ngokunjalo, kwaye bangathembeli kweli nqaku kunye ne-agent ye-real estate njengesizathu sokuthenga ikhaya xa bethengisa ngaphandle komqathango wokuthengisa.
Umngcipheko wezezimali unokuba ngumthengi wemali engqongqo okanye umonakalo owenziwe ngokutsha okanye enye indlela yembuyekezo kumthengisi. Kwamava am, umbuzo uvame ukuhla kwi-deposit money deposit - ngaba umthengi unelungelo lokufumana imali yokubambisa imali echanekileyo xa ukhansela?
Enye enye inqaku elide. Ingundoqo ingundoqo ngaba ngabadayisi bafuna ukukhululeka ukuba bathengise omnye umthengi okanye ngaba bafuna ukulwa ne-deposit cash deposit? Ukuba umthengi ufuna idiphozithi kwaye umthengisi akafuni ukuyikhulula, iinkampani ezininzi zokungcebeleka eCalifornia, umzekelo, ziya kuvumela amaqela ukuba akhansele ukuthengiselana, ashiye idiphozithi kwimpikiswano. Nangona kunjalo, zombini amaqela kufuneka asayine ukukhanselwa.
Ukuba elinye iqela lenqaba ukusayina ukukhanselwa, kwaye masithi loo nto enenkani inomthengi, umthengisi unokufumana izandla zakhe ziboshwe.
Akakwazi ukuba phantsi kwesivumelwano kubathengi ababini ngexesha elifanayo, ngoko umthengisi angadinga ukuthatha isenzo somthetho ukuze akhuphe isivumelwano. Kule meko, indlela le ngxabano isisombululo ngayo, ngokuqinisekileyo, umthengisi ukhulula imali edibeneyo imali. Oko kusikhokelela kumbuzo: ingabe idiphozi yomthengi isengozini? Lo ngumbuzo ukuba igqwetha lomthengi liphendule.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, uBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.