Utshintsho lwesimo soluhlu lungenanto enxulumene nalo propati
Ngelishwa, abathengi abaninzi - kunye neenkonzo zabo kunye nabo - bahlala becala ukuba bacinge ukuba kutheni ikhaya libuyele kwimarike.
Bakhawuleza bathathe isigqibo sokuba kukho into ephosakeleyo ngepropati-into embi kakhulu, ukulungiswa okukhulu kwezinto ezifunyenwe ngexesha lokuhlolwa kwekhaya. Buyela emarike inenhlamba. Intlaba engafanelekanga, kodwa inkohlakalo iyonke.
Kukho umzekelo omnye kuphela apho ukuhlaliswa kweemarike kuba yintengiso eshushu. Yilapho kukho inqolobane encinane kakhulu ekhona, akukho makhaya athengiswayo. Kwaye ukuba loo ndlu ixabiso elincinane ngaphantsi kweemarike, ibonisa kakuhle kwaye ibuyele kwimarike njengoko ilindele ukuxoshwa, abathengi bangayilwela. Abathengi badla ngokufuna oko omnye umthengi akufunayo.
Izizathu ezingekho kwiZakhiwo zoTshintsho lweNdlu
Makhe sibone imizekelo emibini yobomi bokuba kutheni ikhaya lingathengiswa ngomzuzu omnye uze uvele emva kweemarike emva kwexesha elifutshane:
- Umthengi wangenisa izibonelelo ezininzi. Abanye abameli bee-arhente banokukhuthaza abathengi abazabalazela izigqibo kwaye abanako ukuvumelana naluphi ikhaya elizithengayo ukuba babhale kuphela ukunikezelwa kubo bonke abaviwa abanokwenzeka ngexesha elifanayo. Isiphumo esibi kakhulu sale mpawu emibi ngumthengi unokugqiba kwikhontrakthi ngaphezulu kwekhaya elilodwa. Xa oku kwenzeka kumnye wabathengisi bam kutshanje, umthengi ekugqibeleni wagqiba ekubeni angathengi nayiphi na imizi. Okwangoku, ikhaya lomthengisi lisuswe kwiimarike ngokulindelekileyo.
- Umthengi akathembekanga . Kukho iindlela ezininzi umthengi angazama ukuyihlawula umthengisi. Ukubeka njengomthengi ngeendlela zemali nokuhambisa isipho esithandekayo kumthengisi xa ephule isicatyambo kuphela enye yeendlela ezenzekayo. Iirekhodi zophando zingaba ubungqina besarekhodi-mthetho, kwaye umthengisi angayicima ngokukhawuleza intengiso. Ngelishwa, isimo sekhaya sitshintshela emuva kwimarike.
- Umthengi akanako ukufumana imali. Kungenxa yokuba i-mortgage-prender ifaka i-letter yokumisela ayithethi ukuba umthengi uqinisekisiwe ukufumana mboleko. Kwezinye iimeko, igosa le mboleko elibonakalisa i-preprovval letter alizange lihlolwe i-credit or verified assets. Abanye abathengi abakufumani ukuba abanako ukufumana mboleko kuze kube seentsuku ezimbalwa ngaphambi kokuvalwa. Ngalesi sikhathi, ikhaya lomdayisi mhlawumbi liye laphuma kwimarike ubuncinane iintsuku ezingama-30.
- I-ejenti yomthengi yenza iphutha kwisipho sokuthenga. Amaphepha omthetho atshintshe lonke ixesha kwi-real estate. I-arhente inokuqhelana nefom kwaye ingaqapheli iinkcukacha ezithile zatshintshiwe. Ngokomzekelo, kwenzeka ukuba umthengi wayedinga iinyanga ezimbalwa ukuze athengise ikhaya kodwa wayefuna ukungenisa isipho esiphezulu sekhaya eSigramento. I-arhente yakhe yabhala isivumelwano esinika umthengi iintsuku ezisixhenxe ukuzithengisa ekhaya. Kodwa oko kwakuyiphutha umthengi kunye ne-agent yakhe ayifumananga.
Xa i-arhente yokurhweba icela ukuba kususwe ngokukhawuleza, i-ejenti yomthengi yayimangele ukufumanisa ukuba wayenze loo mpazamo. Kwakuthetha ukuba imimiselo yesivumelwano sokuthengwa ayifumanekanga, kwaye yayibuyele etafileni yokuthetha. - Ukuzisola komthengi. Ngamanye amaxesha abathengi bakholelwa ukuba benze isigqibo esibi baze bahlakulele inyawo. Baqala ukuqonda ukuba ngobunikazi bezindlu kuza nezinye izibophelelo zemali ezifana nokugcina ikhaya, ukuhlawula ukulungiswa kunye nokuphuculwa, kwaye bayothuka yinto abayibona ukuba ngumthwalo ongaqhelekanga. Ngelishwa, oku kuqondwa ngokukhawuleza kwenzeka kwixesha elingabalulekanga njengakwixesha eliphakathi kokuhluthwa.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, uBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.