Isikhokelo esiphezulu sokuthenga ikhaya
Masithi enye intsasa uvuka kwaye uqaphele ukuba ulungele ukuthenga ikhaya . Ukhathele ukuhlawula irenti ungabonakali nto, kwaye ubona ukuba lixesha lokuba ungene kwikhaya lakho. Kodwa unako ukugcina.
Emva koko, ukuba okokuqala, unemibuzo. Unokuba ngumnyuko omncinane wokuthi uya kuphazamiseka, kwaye kuyaqhelekile ukuba uzive ngaloo ndlela-mhlawumbi uza kuchitha amakhulu amabili eedola kwaye wenze ubume bokubaluleka kwezemali obalulekileyo kubomi bakho.
Ngoko kuhlawulela ukungena kwinkqubo yokuthenga ikhaya-enezixhobo ezinolwazi oluninzi ngokunokwenzeka.
Wonke urhulumente afuna amanyathelo athile ahlukeneyo ekuthengeni ikhaya , nangona kunjalo ngokufanayo. Nazi izinto ezisisiseko.
Cinga ukuba Ukuthenga Ikhaya Kukulungele
Abantu abaninzi banesibindi ngokufihla ukuthenga ikhaya, kwaye ezinye zezoyiko zichanekile. Akunjalo wonke umntu unqunywe ukuba abe nekhaya, kwaye ukuba ungomnye walabo bantu, kungcono ukufumanisa oku ngoku ngaphandle kokuba uphantsi kwesivumelwano.
- Thelekisa ukuqesha ngokuthenga . Unokwenza isigqibo sokuba ukurenta kungcono kunokuba uthenge, kuba ukuthenga ikhaya kunokungaphumeleli.
- Cinga ezinye zezizathu zokuthenga . Kukho iitoni zeenzuzo zokuthenga kunye nokuthengwa kwezindlu; Gcina ezi zinto engqondweni xa uqala ukuhamba ngeenyawo .
- Ngaba kufuneka uthenge ikhaya ngaphambi kokuba utshate? Ukuba uthengisa ikhaya kunye neqabane okanye enye ebalulekileyo ngaphambi kokubopha iqhosha , kufuneka ucinge ngaphambili kwaye ucinge ngemiphumo yemali.
- Zibuze ukuba uceba ukuhlala nomsebenzi ofanayo okanye uhlale kwisixeko esifanayo. Ukuba ungumntu ongenamdla onqwenela ukufuduka kwenye indawo kufuneka ukuba unqabile, ungenako ukuhamba ngexeshana okanye ukuyeka umsebenzi wakho ukuba unayo ikhaya.
Fumana i-Agent Agent ukukunceda
Nantoni na oyenzayo, ungazami ukuhamba wedwa. Ukuthenga ikhaya akulula njengoko kubonakala. Uya kuzuza ngokuncediswa kobugcisa, kwaye inkonzo ekhululekile kuwe. Ukungathethi, ii-agents zihlala zibona zonke izihlomelo ezintsha ngaphambi kokuba zifumaneke kwi-intanethi.
Ungabizi i-arhente yokurhweba ngethemba lokuba i-arhente iya kwenza nantoni na efunekayo ukufumana kabini ikhomishoni phantsi kwe-arhente ebini. Amagcisa anemilinganiselo ephakamileyo kunokuba uluntu linike i-credit. Ngaphezulu, awuyi kufumana ummeli ngamnye; unokufumana ukumelela kokungathathi hlangothi okanye akukho mboniso nonke.
Cela abahlobo ngcebiso kwi-Realtor. Khangela ama-agent kwi-injini yakho yokukhangela, jonga i-website ye-agent, ufunde iimpendulo kunye nokusetyenziswa kweeblogi (njengabaninzi abameli abhala ngeemakethe zabo zangaphandle). Zama ukufumana i-ejenti yomthengi.
- I-ejenti yomthengi iya kumela wena kuphela kwaye unomthwalo wemfanelo wokujonga izinto ezilungileyo. Unokuthi ulunge ngokugqithiswa yi-ejenti ogxininisayo ukuthengiswa komthengi. Kukho iingcali zomthengi kwishishini. Akufanele usebenze ne-arhente esebenza kunye nabathengisi, ngaphandle kokuba ufuna.
- I-ejenti yomthengi inokucela ukuba usayine isivumelwano somthengisi , kodwa ngumthengisi ohlawula ikhomishini. Ndiyazi ukuba kuyamangalisa ukuba umdayisi uza kulihlawula i-arhente yakho, kodwa ngokuqhelekileyo oko kusebenza njani.
- Udliwano-ndlebe kuze kube yilapho ufumene igosa othembelayo kunye nabo oziva ukhululekile. Ukufumana ilayisenisi yendawo yokuhlala akukho nhlobo isiqinisekiso sokuba i-arhente yakho iyakwazi. Amagosa avela kuzo zonke iindawo zokuphila kwaye ezinye zilunge ngakumbi kunabanye. Zama ukuqesha amava. Umgca wakho ongcono kwiimpazamo uya kuba yintsebenziswano.
- Emva kokuba uhlala kwindawo ethile, zama ukuqesha indawo yeengcali . I-arhente evame ukuthengisa amakhaya kuloo ndawo ofuna ukuyithenga ingaba nolwazi oluninzi olunokukunceda ukukhokela isigqibo sakho sokuthenga, phezu kwe-arhente engenakufumana indlu ngeemephu ezimbini kunye ne-flashlight.
Fumana Iimali Zakho kwiNkundla
Yenza uphuhliso lwakho lwezimali, ubeke eceleni ukuhlawula kunye nokufunda iinkqubo zemboleko ezikhoyo. Ngokwenza umsebenzi wesikolo sakho, uya kukwazi ngokuchanekileyo ukuba unokuhlawula phi na oko kuya kukubiza. Okuncinci ngakumbi kunokuba ufunde phakathi kwintengiso ongeke uvale.
Unokubuza i-arhente yakho yendawo yokuhlala ngokuthumela umboleki. Ababolekisi abavunyelwe ukuhlawula ama-agent for referations, ukuba ngaba uyazibuza. Oku kuthetha ukuba i-arhente yakho iya kubhekisela kuphela kubaboleki abaphezulu abenza kakuhle ngenxa yokuba i-arhente yakho ifuna ukuba uwine.
- Myalelo weNgxelo yeNtengo yeNtengo . Zinike ixesha lokucoca ingxelo yengxelo yemboleko equlethe iimpazamo. Uphikisana neziphene. Zama ukunciphisa iimbopheleleko zakho zamatyala ngenyanga ngokuhlawula phantsi ezo zilinganiso zemalimboleko. Musa ukuvula imigca emitsha yemboleko okanye imida yokudala yemali.
- Fumana iLender . Hlola indawo ukuze ufumane imali kunye nokuthelekisa iirhafu nemirhumo. Unokuqala ngeziko lakho lezemali, uze udliwano-ndlebe nabathengi abambalwa bempahla kwaye ukhethe umkhiqizo wemboleko oyiqonda ngokupheleleyo. Qaphela wonke umntu umrhumo malunga neerhafu ezifanayo, ngoko ukhetha umbolekisi othembayo, othetha kakuhle kwaye uthembisa ukuhlangabezana nomhla wokuvala okulindelekileyo.
- Misela ukuhlawula okuphantsi . Xa ubeka phantsi, inkokhelo yakho yenyanga yokuhlawula imali . Kukho ubuncinane iindawo ezili-10 ukufumana intlawulo ephantsi, enye kuphela ye-akhawunti yakho yasebhanki. Inkqubo yakho yokubolekwa kwemboleko ingabonisa ubuncinane bentlawulo, kodwa unako ukuhlawula ngaphezulu. Ukuphakanyiswa kwentlawulo ephantsi, ubuninzi bakho besikhundla.
- Khetha inkqubo yakho mboleko. Cinga ngeNgxowa-mali ye-FHA . Iimali-mboleko ze-FHA zithwala amaxabiso omncintiswano , ziza kunye neemfuno eziphantsi zokuhlawula kunye nokuvumela abathengisi ukuba bakhokhe ezinye okanye zonke iindleko zokuvala . Ezinye iinkqubo zithengi zasekhaya zokuqala zisebenzise iimali-mboleko ze-FHA njengenxalenye yezimali zabo kwaye ziboleke imali yokuvalwa kweendleko kunye / okanye ukuhlawula kwakho.
- Fumana i-Letter Preproproval . Ukubonisa umthengisi sele usuqinisekisiwe ngaphambili ukuba ubolekwe imali mboleko kukunika umgca ngexesha lokuxoxisana.
Jonga kwizindlu zokuthengisa
Le nto yinxalenye emnandi, inxalenye (engekho) engeyona ingcinezelo yokuthenga ikhaya. Zama ukuthintela isigwebo kuze kube yilapho ujikeleze ikhaya lonke. Futhi musa ukugxotha amakhaya asemandleni ngenxa yeengxaki ezingapheliyo ezinokuthi zilungiswe lula ngengubo yepende okanye enye indawo. Ngena ngaphakathi kwaye ujonge.
- Buza i-arhente yakho ukuba ibuke amakhaya kuwe ngaphambi kokukubonisa. Akunabo bonke i-arhente baya kuba nexesha le nkonzo eyongezelelweyo, kodwa kwezinye iimeko, ii-agent ziyavuma. Okanye i-arhente inokutyelela amakhaya yedwa ngeveki kwaye sele ibuye ibone amakhaya ahlangabezana neemfuno zakho.
- Nciphisa uphando lwakho kulawo makhaya afana neeparitha zakho ezifanelekileyo ukufumana ikhaya eligqibeleleyo. Oku kunokuba nzima kunzima ukufeza kwiimarike kunye ne-inventory eqinile, umzekelo.
- Buza i-arhente yakho ukuba ikunikeze ukupapashwa kwe- MLS yokuthengisa okuthelekisayo kwindawo ekujoliswe kuyo. Ngokushicilela phambi kwakho, ungathatha amanqaku njengotyelelo lwakho. Linganisa amakhaya kwisikali se-1 ukuya ku-10. Oku kuya kunceda ukunciphisa uluhlu lwakho kwizindlu ezilungileyo.
- Cinga onke amakhaya emarike, kuquka i-RE -s, i-REOs, i-REOs, i-foreclosures, ivenkile yokuthengisa kunye namakhaya anqamlekileyo ane- DOM ede. Uya kufumana le ndlela iyanceda xa ukhetho lwakho luncinci.
- Gcina umyalelo wokuvula indlu . Ukuba uya kwindlu evulekileyo ngeCawa, xelela i-arhente yokubamba ukuba uyimeleli ye-arhente yezindlu.
- Tshela i-arhente yakho yiphi i-intanethi yee-intanethi unomdla wokujonga kuqala kwaye ucele uncedo olongezelelweyo. I-arhente yakho inokuqokelela ulwazi oluninzi kunamanqaku anikezelwa kwi-MLS ngokuthetha ne-arhente yokurhweba, kwaye uya kufumana ingqiqo engaphezulu kunakho, ngoko ungabizi i-arhente yohlulo ngokwakho. Vumela i-arhente yakho inokufumana yakhe yokuhlawula kwaye yenza oku kuwe.
Yenza umnikelo onobuchule kunye nolwaziweyo
Ingxenye yengxaki yokujonga amakhaya athengiswayo awuyikubukela amakhaya athengisile. Kuphela amakhaya athengiswayo aya kukunika ukuthengisa okuthethelekileyo okwaneleyo ukuba ukwazi ukuba ikhaya liphezulu, liphantsi okanye lilungile. Abathengisi banokubuza nayiphi na imali abayifunayo, ixabiso kufuneka liqinisekiswe.
- Cinga ngokubhala kwemarike yomthengisi kunika kwiimarike zathengisi kunye neentengiso zemthengi kwiimarike zomthengi. Ayikwazi ukugxininisa ukubaluleka koku okwaneleyo. Isicwangciso sakho "sesicwangciso se-lowball" esithathwe kwi-TV eyaziwayo ayisebenzisayo kwimakethi yomthengisi, umzekelo.
- Khetha ixabiso lexabiso lekhaya elisekelwe kwisixa ovakalelwa kukuba umthengisi uya kwamkela okanye aphephe. Le xabiso ngokubanzi isekelwe ekuthengiseni okuthelekiswayo, kunye negalelo evela kummeli wakho wezindlu.
- Ukuba ucinga ngesibonelelo se-lowball , cela ummeli wakho ukuba aqinisekise le xabiso kuwe. Uzakufuna ukubonisa isizathu somthengisi ukuba amkele olu hlobo lwesibonelelo, kwaye alukwazi ukusekwa ngexesha.
- Lungiselela izibonelelo ezininzi ukuba ikhaya libhekwa njengelunqwenelekayo kwindawo eshushu. Musa ukuhlambalaza kwiinkonzo ezininzi. Omnye umntu unokuphumelela. Kutheni ongenakukwazi ukuba lowo mthengi?
- Ukuba isibonelelo sakho sinqatshiwe, cela i-agent yakho ukuba uchaze isizathu sokuba ungayiphinde loo mpazamo ngokunikezela kwakho okulandelayo. Kwakhona, ungazithethi ngokuzenzekelayo i-arhente yakho. Mhlawumbi ingxaki awuzange unikeze ngokwaneleyo? Ukuba i-arhente yakho ikuhoxise kakubi, kufuneka udibanise ingxoxo engqinileyo kunye nelo nkonzo.
Ukuxoxisana ngeeNkcazo zeCompter
Kucingelwa ukuba kuqhelekileyo ukuba umthengisi athumele umniki-mpahla. Akuthethi ukuba isipho sakho sonile kumthengisi okanye ukuba i-arhente yakho yenza into engalunganga. Abanye abathengisi bakhupha umnikelo wokubambisa ngoba bathanda ukuba negama lokugqibela.
- Lindela umthengisi ukuba akhuphe umnikelo wecala . Nangona unika uluhlu lwamanani, umthengisi unokufumana ezinye iindawo ezingenakulungelelaniswa ngokwaneleyo kwenkxaso yomthengisi kwisibonelelo. Ukunikezelwa kwamanqaku akukona ukumanga kokufa; Cinga nje ngeendlela zokumkela.
- Ukuba ngababaleki bemthengisi ngexabiso elipheleleyo, qhubeka uxoxisana. Nangona uthe wangena ngaphantsi, unokufumanisa ukuba iingxoxo eziqhubekayo zingabangela intlawulo yokugqibela eyamkelekileyo kubo bobabini. I-counter yokuqala ayisoloko iphela.
- Ngethuba lokunikezelwa kwengxoxo , yabelana ngolwazi lwakho malunga nosapho lwakho ukunika umthengisi isizathu sokukhathalela ngawe. Ngokukodwa ukuba kukho ezinye izibonelelo, uya kufuna ukubeka unyawo lwakho oluphezulu phambili kwaye ube nesibonelelo sakho kunye nomthengisi kwinqanaba lomntu. Kungakhathaliseki ukuba yintoni, ukuthengiswa kwekhaya kuyimvakalelo kunye nomntu.
Yenza i-Deposit Money Money
Ukuthengwa kwezivumelwano ziqukethe idiphozithi yokholo oluhle, ebizwa ngokuba yi-deposit money deposit. Kubonisa ukuba umthengi uzibophezele ekuthengeni xa umthengi ekulungele ukubeka idiphozithi kwisigxina. Uninzi lwemali edibeneyo ibuyiswe.
- Xa isibonelelo sakho samkelekile, gcina isheke sakho semali kunye neqela elifanelekileyo. E-California, apho ndingumthengisi, sineentsuku ezi-3 ukwenza idiphozithi.
- Ungaze wenze itekethi yakho ihlawulwe kumthengisi. Andikhathali nto nawuphi na umntu othi, musa ukuhlawula umthengisi ngokuthe ngqo. Iindlela ezilungileyo zeebhantshi zokuqhuba ishishini kunye nokuxhaphaza zineendlela zokubuya zije.
- Isibhengezo sakho kufuneka sibe neengxaki eziza kubuyisa imali yakho engqongqo kuyo xa ukhansela isivumelwano. Ngokuqhelekileyo, amaxesha okubala angachaza ixesha lokusebenza.
Vula isiKhokelo sokuHlola okanye iSihloko soMyalelo we-Order okanye i-Prelim
Igosa lokuhlawula liza kulungisa imiyalelo yokunyuka. Inkqubo echazwe apha ihlukahluka kwindawo yokuhlala-ngokomzekelo, eningizimu yeKalifornia isayinwe ekuqaleni, ngelixa enyakatho yeKalifornia isayinwe ekupheleni. Igosa lokuhlawula liza kuthatha isahlulo sesithathu sokungathathi hlangothi ukucwangcisa ukuthengiswa kwakho ngokuqokelela okanye ukulungiselela amaxwebhu, ukufumana iimpawu, ukurekhoda amaxwebhu kunye nokuchitha imali.
- Umququzeleli wakho we-arhente okanye umthengisi uya kuvula ukuhluthwa kunye nesihloko, ukuba i-arhente yezohlu aluzange isenze njalo.
- Cela igama legosa lokuhlawula, ifowuni, i-imeyile kunye nenombolo yefayile ye-escrow. Abaphathi bee-Escrow baboshwe ngemfihlo.
- Nika le ngcaciso kumniki-mboleko kunye ne-inshente yakho ye-inshorensi. Qalisa ngokuqala ukufumana iingcaphuno zomgaqo-nkqubo we-inshorensi yomnini-mali njengoko iinkampani zomshuwalense zithemba ukuba ziqinisekise onke amakhaya kuzo zonke iindawo.
Fumana uVavanyo
Uninzi lweenkontileka zokuthenga luqulethe ukubonelelwa kwee-appraisal, okwenza uvavanyo lube yinto enjalo yesivumelwano. Oku kuthetha ukuba indlu ayiyikulinganisa imali oye wanikela ukuyihlawula, awubophekile ukuba uzalise umthengi. Umboleki uya kuyala uvavanyo.
- Umboleki wakho uya kufuna ukuhlawulwa kwangaphambili kwenkqubo yokuhlola . Njalo rhoqo, umnini-mboleko uya kuthi, njengokukhuthaza okanye ukukhuthaza, uyavuma ukuhlawula ukuvavanya kwakho. Buza malunga nayo.
- Ukuba ufumana i- appraisal ephantsi , xubusha okukhethwa kukho nge-arhente yakho. Njengomthengi, kuyinto engokwemvelo ukuba ufuna umdayisi ukunciphisa intengo, kodwa oko akunokuba yisisombululo kuphela.
- Cela ikhophi yovavanyo. Ukuba uhlawule ukuvavanya, unelungelo lokufumana.
Ukuthobela iimfuno zeLender
Ifayili yakho yemboleko ikhulu. Iqukethe isicelo sakho semali mboleko, ingxelo yebhanki, iminyaka emibili yokugqibela yentlawulo yeerhafu, i-paybs stubs, ii-W2s, ikopi zezitatimenti zebhanki kunye namanye amaxwebhu emali, ngaphezu kweefom zegunya kunye ne-federal.
- Ababoleki bangacela ulwazi olongezelelweyo. Musa ukukhawuleza okanye ukukhalaza. Ababhali yonke imithetho, ukubhala phantsi kubhalwe igama lokugqibela. Kungaba umehluko phakathi kokufumana mboleko okanye ukungahlawulwanga.
- Musa ukwenza iimpazamo zokuthenga ekhaya ezifana nokutshintsha imeko yakho yezemali ngelixa uhlaselwa. Nceda ungenzi naluphi na ukuthenga olukhulu okanye ufumane enye ityala elongezelelweyo. Inokukuvimba ekuthengeni ikhaya.
- Xa ifayili igqityiwe, umboleki-mali uya kufaka isicelo sokufumana imvume yokubhala phantsi . Ukubhalwa phantsi kubumbano kunye nokuphazamiseka, ngakumbi xa kuthatha ixesha elingaphezu kweeyure ezingama-24, kodwa kuthatha iveki.
Yazisa iRecipt of the Seller Disclosures
Abadayisi kufuneka bathumele iinkcukacha ezithile malunga nepropati kumthengi ngexesha elithile elichazwe kwisivumelwano sokuthenga. Yimbopheleleko yabathengisi ngomthetho ukutyhila yonke into umthengisi uyaziyo malunga nepropati, kubandakanywa nenyaniso.
- Funda kwaye uphendule izinto ongaziqondi kwi-TDS, i-Questionnaire yePropati yoMhlaba, iNgxelo yengozi yemvelo, ukuhlolwa kwezilwanyana / ukuzaliswa kunye namanye amaxwebhu afana nomgaqo-nkqubo wokuqala.
- Qaphela ukuba unemihla eyi-10 ukuhlaziywa kwipende ekhokelayo, eyona nto ichazwayo.
- Funda zonke iincwadi ngokubanzi; kubuza imibuzo malunga nokuchazwa komthengisi . Ukuba uhlangabezana nesigama esingaqhelekanga, kwaye abathengi abambalwa baqonda nganye ikota, cela i-agent yakho ukuba ichazele yona. Ayikho imibuzo engasidenge xa uthenga indlu.
Umgaqo-nkqubo weNkxaso-nkqubo kaMninimzi we-Inthanethi
Unokuqala ngeenkampani eziqinisekisa imoto yakho. Ngamanye amaxesha iinkampani ze-inshorensi ziya kukunika isaphulelo xa ugcina umgaqo-nkqubo omnye kunye naloo nkampani. Ukongeza kwinshurensi yomnini-propati, unokucinga kwakhona nge- inshurensi yamanzi okanye ukukhuselwa kwenyikima.
- Myalelo we-inshurensi yakho yomnini-mali kuqala. Njengoko kushiwo ngaphambili, akuyiyo yonke inkampani yomshuwalense eya kuqinisekisa yonke indlu, ngokukodwa amakhaya amadala okanye amakhaya asezindaweni ezinobungozi.
- Ngamanye amaxesha amabango angaphambili anomnini wezindlu angenza kube nzima ukufumana i-inshurensi. INGXELO ye-CLUE iya kubhengeza amabango angaphambili kwaye iyafumaneka kwi-intanethi malunga ne-$ 20.
- Fumana i-postage coverage. Ayinayo imali eninzi ukufumana i-postage coverage, eyayiza kwakhiwa kwakhona ikhaya lakho xa libhujiswa. Ngokudabukisayo, amaninzi amaxhoba enqabileyo ayengayithwala indawo yokubuyisela.
Ukuqhuba Uhlolo
Kwiinkoliso ezininzi, isivumelwano sokuthenga sinika umthengi inani elithile leentsuku ukuqhuba uhlolo, kuquka nokuhlolwa kwekhaya. Unokuphinda uqwalasele ukuhlolwa kwezilwanyana, ukuhlolwa kwefomyi okanye ukuhlolwa kwamanzi. Ukuba ufumanisa i-error defect ongayifumaniyo, uhlala ukhululekile ukucima isivumelwano.
- Hamba umhloli wekhaya ohloniphekileyo . Awona onke amazwe afuna abahloli ukuba babe neliphi na ilayisenisi okanye iinkcukacha. Uhlolo lwekhaya lwakhiwo lwakho kwaye alukho uluhlu lokuhlambulula ukuba lunikwe kumthengisi ukulungisa.
- Yenza uhlolo lokuhlola ikhaya ekhaya nawe. Uya kufuna ukuqinisekisa ukuba yonke indawo yenkxalabo iye yahlolwa kwaye imibuzo yakho ibhekiswe kuyo.
- Yiya kwi- home inspection . Musa ukulandela umhloli wekhaya ngeenxa zonke, njengencwadi ye-Zillow ebonisa kakubi, okanye umhloli wekhaya uya kukuthuka ngesithutha phantsi kokuphefumula kwakhe. Vumela umhloli enze umsebenzi wokuhlola ngokuthula. Lindela de kube umhloli wekhaya ephelile ngaphambi kokubuza imibuzo.
Cinga ngesicelo sokulungiswa
Umthengisi akabophekanga ukuba alungise nantoni na, kungekhona na umboleki ofuna ukulungiswa. Ezinye ii-appraisals zinokuthi ziqulethe izinto ezibizwa ngokuba "iimeko," eziyimpembelelo zolu hlobo olufunekayo ukuze zilungiswe phambi kokuba umbolekisi ahlawule imali. Elinye iqela lingathatha amanyathelo okwanelisa izimo zemboleko, oku kuthethwa ngawo.
- Ukuba uhlolo lwekhaya luya kuba neengxaki ezibalulekileyo kwaye ezingalindelekanga, ungasayina isicelo sokulungiswa ngokucela umdayisi ukuba akwazi ukujongana nale micimbi, akunike ikhredithi malunga neendleko zokuvala okanye ukunciphisa intengo yokuthengisa. Qaphela ukuba umthengisi angathi cha kwaye anqume ukuba ngaba unokuhlala naloo mpendulo.
- Qaphela ukuba akukho ikhaya eligqibeleleyo, kwaye umhloli uya kufumana iimpazamo. Musa ukulindela ukuba yonke into ekuhlolweni kwekhaya ibhalwe kwaye ayivunyelwe kwixabiso lokuthengisa.
- Yiba nengqiqo. Ndiyazi ukuba le nto inzima kuba igosa kwabanye abantu, kodwa ukuqiqa kuthetha ukuthatha imibuzo engqiqweni. I-arhente yakho inokukukhokela.
Susa i Zakhono
Akuyiyo yonke i-arhente yokurhweba izakucela ukukhululwa kwemida, kodwa ezo zinto ziyizicukuzi. Ukukhusela ngokupheleleyo umthengisi, amaninzi amanxusa afake isicelo azakufuna ukukhutshwa kwazo zonke iikhontrakthi ngokukhawuleza ngomhla wokukhutshwa kwazo.
- Ngokungagqibekanga, iikontraki zaseCalifornia zeCAR zinika abathengi iintsuku ezi-17 ukuya kwezi-21 ukususa izinto. Iziganeko azipheli ekupheleni kwexesha elichaziweyo, ngokuchasene nenkolelo eninzi.
- Zama ukuqinisekisa ukuba umboleko wakho uqinile kwaye uvavanyo luyakwamkeleka ngaphambi kokuba ususe imboleko yakho yemboleko . Ukuba umnini-mboleko wakho akakwazi ukuqinisekisile mboleko yakho, usenokufuna ukususa imboleko yemboleko, ukuba unyanzelekile.
- Ukuba unqabileyo ukususa izinto, umthengisi unokukhupha isaziso sokwenza kunye nokukhenxisa isivumelwano.
Yenza Ukuhamba Ngokugqibela
Injongo yokuhamba kokugqibela-ngokusebenzisa ukuhlolwa kukuqinisekisa ukuba ipropati yimeko efanayo naxa ugcine uyijonga. Ukuba ufumanisa umonakalo obonakalayo kumgangatho okhuni, ngokomzekelo, emva kokuba umthengisi esusile ifenitshala okanye asuse umbhoxo eli lixesha lokucela uhlobo lokuhlawula.
- Musa ukudlula ukwenza uhambo lokugqibela . Unokulingwa ukuba ulahlekele olu hlobo, kodwa abo bakhetha ukhetho bahlala bezisola ngesigqibo. Unokufunda kwiimpazamo zakho kodwa ukufunda kwabanye kubaluleke kakhulu.
- Qinisekisa ukuba izindlu zangasese ziyaqhawula kwaye akukho manzi aphumayo ukususwa kwefriji okanye umatshini wokuhlamba. Vula zonke izibane, sebenzisa zonke izixhobo.
- Hlola ipropati ukuqinisekisa ukuba kusemgangathweni efanayo njengoko uvumelene ukuyithenga. Oku akuyilayisenisi yokufuna ukulungiswa okungaphezulu ngaphandle kokuba ufumene isipho esitsha esingakhange sichazwe ngaphambili.
- Ukuba ufumana ingxaki ebalulekileyo, jongana nayo phambi kokuba uvale. Ngenxa yokuphuthuma kweemeko ezithile, unokufumana isisombululo esheshayo esingayi kubamba ukuvala. Zama ukuphepha amalungiselelo emali anokutshintsha ukudalulwa kokuvala kwakho okanye i-docs yakho yemboleko ingadinga ukulungiswa kwakhona.
Imali yeMali yeMali kunye neeNgxowankulu zokuHlola
Ukuba awukwazi ukuza emzimbeni kwenkampani yokunyuka, igosa lokulinda lingathumela umqondiso weselula kuwe. Uya kuhlawulwa ukuhlawula ngakumbi le nkonzo kodwa kubathengi abaninzi, inkonzo enenzuzo. Abasayineli befowuni befowuni baya kufika kwikhaya lakho, iofisi okanye nayiphi na indawo oyikhethayo.
- Njengoko kunye neminye imiba yenkqubo yokuthenga ikhaya, iinkqubo zokuhlaselwa ziyahluka ngendawo. Ngokomzekelo, Emazantsi Kalifornia, uya kusayina amaxwebhu e-escrow kungekudala emva kokuvulwa kwesigxina; ngasenyakatho yeKalifornia, uya kufaka amaphepha e-escrow kunye neempendulo zakho zemali mboleko ekufutshane nokuvala.
- Yenza i-ID esemthethweni yomfanekiso. Qinisekisa ukuba igama lakho kwi-ID yakho lifana negama elifanayo kumaphepha akho mboleko. Ukuba usanda kutshata kwaye utshintshe igama lakho, oku kungabangela ingxaki.
- Yilungiselele ukuchitha ubuncinane imizuzu engama-30 kwiimviwo zemali-mboleko yeyure. Mhlawumbi uza kufakwa ngamaphepha angama-100 ukuze usayine.
I-Deposit Balance yeFunds
Le yilapho ierubha idibana nayo. Ngoku ukuba uhlolisisile ikhaya ukuba uqinisekise ukuba uhlangabezana nezilindelo zakho kwaye umboleko wakho ulungele ukuvala, le nto ubeka kuyo zonke iindleko zokuhlawula kunye nokuvala.
- Khupha isheke eqinisekisiwe ukuhlawulwa. Awukwazi ukufaka imali okanye isheke somntu. Uhlolo lomntu luyamkeleka ukuba kukho ixesha elaneleyo lokucima ngaphambi kokuvala.
- Lindela ukunyuka ukukhawuleza imali, ngoko uya kufumana imali emva kokuvala. I-Escrow inokuthumela i-khenkta okanye ifake umbuyiselo kwibhanki yakho.
- Cinga ukucela ibhanki yakho ukuba ifake imali ngokukhawuleza ukukhawuleza, ukulondoloze ilahleko yokunikezela ngokukhawuleza iteksi yoshicilelo.
Vala u-Escrow
I-Escrow ivaliwe xa inkampani yesiqinisekiso ithola ubungqina obuvela kwi-Office of Recorder ukuba amaxwebhu alotshiwe. Lo mhla uya kuba iintsuku ezimbalwa emva kokuba usayine i-escrow yakho kunye namaxwebhu omboleko. Ukuvalwa kwimihla ngemihla kuya kwenzeka kungekho.
- Isenzo sakho sepropati , ukubuyisana nokuthengiswa komthengisi kunye nokugcinwa kwetrasti kuya kubhala kwiirekhodi zoluntu . Kamva, iveki emva kokuvalwa, uya kufumana isenzo sokuqala kwi-imeyile.
- Inkampani yetayiti izazisa i-arhente yakho xa iirekhodi zakho zirekhoda, kwaye ke, kuyaqhelekile ukuba i-agent yakho ikubizele. Amagosa amaninzi avuyiswa kakhulu xa ixesha lokunikela phezu kwezihluthulelo emnyango.
- Emva kokurekhodwa, ngaphandle kokuba isivumelwano sakho sichaza ngenye indlela, ipropati yakho. Tshintsha ukukhutshwa ngokukhawuleza, kwaye ujabulele ikhaya lakho elitsha!
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.