Xa Umcebisi Wasekhaya Unokungena Kuphi?
Umhla wokuthenga umthengi Umhla wokuvalwa
Khumbula ukuba ukuvala akusoloko kuthini ukurekhodwa kwezenzo kuba, kwezinye iindawo zelizwe, iinqununu zingemva kweeveki zokurekhoda izenzo. Kuloo meko, ukuvala kwenzeka xa imali ishintsha izandla, isenzo sithathwa kwaye zonke iimeko zekhontraki ziye zadibana. Lapho ndisebenza khona eSigramento, abathengi abafumani izihluthulelo de kube yinkampani yenkampani iqinisekisile ukuba le nto ibhalwe kwaye ihanjiswe.
Imihla yokuThengwa kweziThengi
Isiko sendawo siya kutyhola indlela umthengi ecela ngayo ukuba ifa, kodwa i-possession iyona mcimbi uvunyelwene ngawo xa kuthengwa isivumelwano sokwamkela. Akuqhelekanga ukuba umthengi athole izitshixo ngosuku othungelwano ngalo. Kwezinye iindawo zelizwe, abathengi banikezela abathengisi usuku okanye ezimbini emva kokuvala ukuhamba. Ngamanye amaxesha abathengisi babuya kubathengi. Naluphi na uvumayo, qiniseka ukuba ibhaliwe.
Iimeko zeeNkcazo zingayithintela njani iiNkcukacha zokuThengwa koMthengi
- Kwiimarike zathengisi, abathengi baya kubanika abathengisi iintsuku eziliqela ukuba bahambe ngaphandle kokuqwalaselwa kumthengi. Oku kukufumana umgca kwimeko apho umthengisi ufumana izibonelelo ezininzi .
- Kwiimarike zathengi, abathengi baya kubambelela ngokuhlala kwindawo yokuvala kwaye baziwa ukuba benqabile ukuvala ukuba loo propati ayiyi kuba yithuba ekuvaleni.
- Kwiimarike ezingathathi hlangothi, ifa livame ukuvalwa.
Ukuthengwa koThenge
Njengomgaqo oqhelekileyo, ukunikezela abathengi kwangaphambili kunqabile ngenxa yokuba izinto ezininzi zinokungahambi kakuhle kwimzuzu yokugqibela. Ukunyaniseka akusoloko kulula okanye kungabibizi. Ngenxa yoko, iingcali zicebisa ukuba abathengisi kunye nabathengi bafezekisa uhlobo oluthile lwezivumelwano zokuqeshisa.
Umthengisi Ukuhlawula iRhafu yeeRhafu Ukugcina isikhundla
Abathengi bafuna ukuba abathengisi bahlawule isamba esilingana nentlawulo yabo yokuthenga , kunye ne-inshurensi kunye nentlawulo. Esi sibalo sisoloko sininzi ngaphezu kwentlawulo yomthengisi yangaphambili. Naliphi na imali evunyelweneyo, uyibeke ebhaliweyo, kwaye wenze isivumelwano sokuqeshisa ukukhusela onke amaqela. Isixa sithethathethwano kwaye akukho sizathu soqobo sifanele sisekelwe kwi-PITI yomthengi. Ingxabano ikhona ukuba imali yokuqeshisa ifanele isekelwe kwiimali eziqhelekileyo zokuqeshisa kuloo ndawo.
Ukulahleka kweMpahla ngenxa yokuxhaswa kwemali
Nangona izicwangciso ezibekwe kakuhle kakhulu zihamba ngeefoul ngezinye izihlandlo. Isivumelwano sakho sichaza ngokuchanekileyo xa uhlala khona kuvunyelwe, kodwa ukuthengiselana kungenakuvalwa ngexesha. Izizathu eziqhelekileyo zibandakanya mboleko. Ngethuba leemviwo zeemboleko zisayinwe kwaye umnini-mboleko uyazihlolisisa, umgcini - phantsi angabongoza ukuba imeko yemboleko iyaneliswa ngaphambi kokuxhaswa ngemali.
Ukwaneliseka kwaloo mqathango kunokukhawuleza ukubambezeleka kwemboleko.
Umthengisi wakutshanje waseCarmichael, CA, wafumanisa ukuba akafumananga nawuphi na umthumeli ukuba asebenze ngeholide, ngosuku ebekufanele aphume ekhaya lakhe iminyaka engama-40. Abathengi benqabile ukunika umdayisi usuku olongezelelweyo lokuphuma ngaphandle, bathi umthengisi makenze amalungiselelo ekude kusengaphambili usuku lwakhe lokuphuma. Ngokungahambi kakuhle, kunye neendleko ezongezelelweyo, umthengisi watshintsha ukuhamba kwakhe ukuze ahlangabezane neemfuno zabathengi.
Ngomzuzu wokugqibela, umboleki-mboleko wabiza imeko yemboleko kwaye akazange avumele ukubolekisa imali mboleko kuze kufikelelwe imeko. Ukudibanisa imeko elibazisekile ukuvalwa ngeentsuku ezimbini, kodwa abathengi babefuna izihluthulelo kwikhaya ngomhla owawucwangciselwe ngawo ukuvala. Abazange bafune ukufuduka ngaphakathi. Babefuna ukuhlamba umthi.
Ukuba wawungumthengisi owayefudlukile kwaye washiya ikhaya elingenamntu, phantsi kwezi meko, ngaba unike izitshixo kulaba bathengi?
Umthengisi, xa waziswa ukuba izitshixo akufanele zihanjiswe kumthengi de ukuthengiswa kwempahla, kugqiba ukuyeka izitshixo. Wayengamalungelo akhe. Kutheni ubangele ingxaki?
Iphulo: Esikhundleni sokucacisa ifa ngomhla othile, kunengqiqo ukubhala izivumelwano ezinikeza okanye "ukuvala" okanye ii-X iintsuku ngaphambi kokuba okanye emva kweentsuku eziyi-X, kungekhona umhla othile.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.