Umbuzo: Yiyiphi iSipho esithembekileyo sokuthengisa?
Umfundi uyabuza: "Iimakethi edolophini yam idlwengula ngokwenene, kwaye kunzima ukuthenga ikhaya kuba akukho maninzi amaninzi athengiswayo. Njalo ixesha into entsha isuka kuthengiswa, iqela labathengi ligxuma kulo Ndivakala kummelwane wam ukuba ubeka ikhaya lakhe emakethe njengentengiso emfutshane kwiveki ezayo.Siyafuna ukuba ngabathengi bokuqala ukwenza umnikelo. Lo mmelwane uthi i-arhente yakhe iya kukhetha umthengi. Sinokuqiniseka njani ukuba singabathengi abakhethiweyo? Yintoni esifanele siyenze ukuze sibhale ixabiso elifutshane lokuthengisa?
Impendulo: Kukho imibala emininzi kumbuzo wakho, ngaphandle kwendlela yokubhala i- intengiso emfutshane . Okokuqala, ukuqonda kwamandla okunika amandla kunokuhluka kwi-agent ukuya kwi-arhente. Into enokuyithemba ngayo kukuba ummelwane wakho uqeshe igosa elithengiswayo elifutshane. Ukuba i-arhente ayinaso amava okuthengisa amfutshane, ukuthengiswa okufutshane kunokuvunyelwa.
Okwesibini kwoluhlu lwakho kufuneka ukuba kuqeshwe i -ejenti yakho yomthengi . Ngamanye amaxesha abathengi benza impazamo yokucinga ukuba bafanele bavumele i-arhente yohlulo ibamele, kodwa i-agency ebini i-agency ebenzileyo, ingaba kuthengiswa okufutshane okanye ukuthengiswa rhoqo. Ingcamango yam yobugcisa kufuneka uphephe i-agency echaphazelekayo, uphephe ukungqubuzana komdla kwaye uqeshe i-ejenti eyokumela wena kuphela. Akunjalo nje, kodwa iibhanki ezininzi azihlawuli ii-commissions zombini kwiziko elibini.
Okokugqibela, i- arhente yoluhlu ayiyiyo imfanelo yokukhetha umthengi. Ukukhetha umthengi ngenye yezinto ezithandekayo umdayisi unokuthengisa ngokufutshane.
Yiloo nto eyenza abanye abathengisi benze ukuthengisa okufutshane kunokuhambahamba, beyazi ukuba banokukhetha abathengi kwikhaya labo. Ngokuqinisekileyo, i-arhente yohlulo inegalelo kwaye inokukunceda umthengisi ukuba akhethe, kodwa ekugqibeleni uyisigqibo somthengisi kuba yintengiso yomthengisi.
Yiyiphi iSipho esithembekileyo sokuThengisa okufutshane?
Cinga nje umthengisi ufumene izibonelelo ezi-3.
Zonke izibonelelo zixabiso elifanayo. Nguwuphi na umnikelo osisipho esiphezulu somthengisi ukukhetha? Ngubani oza kuba ngumthengi ongcono? Ukuba i-arhente yokurhweba kunye nomthengisi zinjengamaqela amaninzi ekuthengiseni okufutshane, sele selezi ukuba ngubani umthengi ongcono. Umthengi ongcono kakhulu uya kuba yilezi zimpawu ezi-3:
- Umthengi oza kulinda imvume yokuthengisa emfutshane
- Umthengi oza kuhlawula intlawulo ibhanki iya kwamkela
- Umthengi ofanelekileyo ukuthenga
Ngaba ngumnikelo phezu kwexabiso lentengiso ye-Offer?
Akukho sipho siza kunika ngaphandle kokuba umthengi azinamathele kwaye alindele ukuvunyelwa okufutshane. Kwiimeko ezininzi, akunakwenzeka ukuba unikezelo olungaphezulu kwexabiso loluhlu, mhlawumbi. Emva koko, akukho nanye yempahla yentengiso eya kungena kwipokethi yomdayisi. Yonke inzuzo, ngezinye iimeko ezimbalwa, iya kuhamba neebhanki zentengiso ezimfutshane. Ngoko umthengisi akanakhuthaza okuncinci ukuba akhethe isipho esiphezulu sexabiso, ngaphandle kokuba kwenziwe iinjongo zerhafu.
Ngokusoloko kungengqiqo ukukhetha isithembiso esifutshane esisekelwe kuphela kwixabiso. Nazi izizathu ezingakumbi malunga nokwamkela isibonelelo esiphambili, ngakumbi xa isibonelelo esiphezulu sidlula ixabiso lentengo:
- Ngamanye amaxesha abathengi ababhalisayo isibonelelo esiphambili abanenjongo encinane yokulinda imvume yokuthengisa emfutshane kodwa bafuna "ukubopha" loo propati. Ezi ntlobo zabathengi aziqhelwanga ukuba zenzeke enye intengiso kodwa kunoko zikhetha "ukudlala intsimi." Basenokukhansela kuwe xa ufumana imvume yokuthengisa emfutshane kuba bafumene ikhaya elingcono lokuthenga.
- Ukunikezwa kwexabiso lemarike liza kubangela ukuba uvavanyo oluphantsi . Ii-appraisal eziphantsi zingenza ukuba ukuthengisa okufutshane kukurhoxise, ingakumbi xa umthengi engenayo imali yokukhawulela isikhala phakathi kwexabiso lesibonelelo kunye nexabiso elithengisiweyo.
- Ukuba umthengi ongaphezu kweentengiso uyahluleka ukuvala, ukunikezelwa okulandelayo kungekudala kungekuphakamileyo, oku kunokubangela ukuba anqatshelwe ibhanki . Ukulindela kwebhanki kungasetwa kakhulu kwaye akunakwenzeka ukudibana nomthengi wesibini onika ixabiso elifanelekileyo.
Ingaba i-Cash inikezela ngeSipho esithengisayo Sokufutshane?
Ingxaki ebalulekileyo ngokubonelela ngekheshi ngokuqhelekileyo ngumthengi wemali ngokwakhe. Abathengi bemali banokucinga ukuba bahamba ngamanzi baze balawule iphela. Bangase babe nembono yindlela yabo okanye umgwaqo omkhulu, oku kuthetha ukuba abanako ukugoba okanye ukuguquguquka xa kwaye iimeko zivuma.
Ngakolunye uhlangothi, akukho phononongo olufunekayo nge-offer short sale.
Akukho nhlolo-mali ithetha ukuba akukho zimo zezimali kwaye akukho nto ingavumelani ngayo ngentengo emva kokuthengisa okufutshane. Kodwa akuqinisekisi ukuba umthengi wexabiso elithengisayo elincinci angeze enze iimfuno ezingenangqiqo. Iintengiso ezininzi ezithengiweyo zithengiswa "njengokuba" imeko. Ukuba xa kuqwalaselwa xa umthengi efumana ukulungiswa kuyimfuneko, umthengi angenalo ukuvala ngaphandle kokuba ezo zicelo zokulungisa zihlonishwa. Okungeke kwenzeke. Amabhanki akakhokheli ukulungiselela ukulungiswa kweentengiso ezimfutshane .
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.