Umfundi uyabuza: Ndizama ukuthenga ikhaya eRoseville, CA, kodwa i-ejenti ithi ngoku isebenzayo imfutshane . Ayithathi naziphi na izibonelelo. Ndifuna ukwenza isipho kule ndlu. Ndiyathetha, andizange ndiyiqonde ukuba kutheni umthengisi ubandakanyeke kulo lonke xa ibhanki evuma ukunikezelwa. Kutheni ndikwazi ukugqithisa umthengisi kwaye uye ngqo kwi-bhanki? Umthengi angenza njani isibonelelo ngokuthe ngqo kwibhanki elifutshane lokuthengisa? " - Umthengi omfutshane wokuthengisa
Impendulo: Lo ngumbuzo obalaseleyo, umthengi omthengi omfutshane. Masiqale ngokujonga iinkcukacha zentengiso emfutshane. Ezweni eligqibeleleyo, uhlobo olukhoyo kwiimveli zendawo yokugcina, abantu benza iintlawulo zabo zokuthenga ngemali ngexesha kunye neebhanki bayavuya. Ngethuba nje iibhanki zifumana imali yazo, iibhanki azithandi kakhulu ukuthetha ngokuthatha imali emfutshane kwimali mboleko ebizwa ngokuba yintengiso emfutshane .
Xa ibhanki ikholelwa ukuba ukhuseleko lwabo mboleko lusemngciphekweni kunye / okanye umthengisi uzimisele ukuhlambalaza aze ayeke ukwenza iintlawulo zempahla , ibhanki inomdla wokuthetha ngokuthengisa okufutshane. Ngamanye amaxesha, into yokuba ikhaya elingaphantsi kwamanzi lanele ukwenza ukuba ibhanki iqwalasele ukuthengisa okufutshane . Kodwa ininzi yexesha ibhanki ifuna ukuba umthengisi abe nobunzima, ngaphezu kokulingana okungafanelekanga.
Ugunyaziso lweThathu kwiNtetho yokuThetha kwiBhanki eliShishini elifutshane
Ukuba ibhanki ibambelela iinkcukacha, kwaye uninzi, ibhanki ayinakuthetha nawuphi na uTom, uDick okanye uHarry obiza ukuba axoxe ngokuthengisa okufutshane.
Kungenxa yokuba ibhanki iyakuthi ifune imvume yesithathu ukuba isayinwe ngumboleki. Obolekayo akunakwenzeka ukuba asayine le gunyaziso, avumela umntu ongagqibekanga ukuba afumane ulwazi lomntu obolekayo, okuya kuthethwa ngaye malunga nomboleko wakhe ngebhanki elifutshane.
Oku akuthethi ukuba awukwazi ukuthumela isipho kwibhanki ngokwakho, kuba unako. Ibhanki ayinakwenzeka ukuba idibanise nawe ngqo kwaye inokuhambisa indlela yokubuyisela kwakhona kwi-arhente yohlu.
Kutheni ama-Agent Agents Akwazi ukuya ngqo kwiBhanki eliShishini eliShishini
Ingxaki yakho iya kufumana i-arhente ekulungele ukuhambisa isipho kuwe. Amagcisa afuna ukuhlawulwa ngomsebenzi wabo. Indlela eqhelekileyo ngayo i-ejenti yomthengi ehlawulwayo ngumrhwebi woluhlu. I- REALTOR® Code of Ethics ichaza indlela i-ejenti ziza kusebenzisana ngayo, kwaye i-agent ye-arhente ayikwazi ukujikeleza okanye ukuphazamisa ishishini likarhwete lohlu.
Oku kuthetha ukuba uzakufuna ukwenza isipho sakho okanye uthintele ummeli omthengisi omfutshane ukubhala isipho sakho. Unokuba ungafuni ukukhathazeka malunga nazo zonke iinkcukacha kwaye ubhale nje ileta ebhankini, kunye nobungqina bemali kunye neleta yokumisela ngaphambili , uchaza ixabiso onokulihlawula.
Ukufumana iBhanki eFutshane yokuThengisa ukuhambisa iSipho sakho
Unokwenza ukuba wenze uphando lwakho lwepropati kwiirekhodi zikawonkewonke. Kulula ukufumana ukuba ngubani umboleki owenziwe ngemboleko kumbolekayo, kodwa iimali-mboleko ezininzi zithengiswa ngaphaya kwexesha. Nangona kunjalo, ezininzi iirekhodi zigcinwa kwifomathi yedijithali namhlanje, ngoko kulula ukwenza ukukhangela kwi-courthouse okanye kwi-Office Recorder.
Kutheni Kuthengiswa Umthengisi ekuthengiseni ukuthengiswa okufutshane?
Eyona nto ingumthengisi ngumnini wekhaya. Ibhanki ngumxhasi okhuseleyo. Ibhanki ayenzi ukuthengiswa okufutshane; iyavuma ukuthengiswa okufutshane kunye neempembelelo zayo. Nguye umthengisi owenza i-home to the auction short, this is why the seller is to choose who who buy it.
Abathengisi ngokubanzi abanomncinci omncinci wokuzama ukufumana ixabiso eliphezulu. Abameli bee-Listing banqabile, ngenxa yokuwa kwe- HVCC , kuba bayazi ukuba intlawulo umthengi uya kuhlawula ayisoloko ixabiso lentengo yomthengi. Uvavanyo oluphantsi lungaba yingxaki efanayo phakathi kwabathengi abathengi.
Xa ndifumana isibonelelo sesibini kumthengi, umthengisi uyazi ukuhambisa eso sipho kwibhanki mhlawumbi uyaqala inkqubo, kwaye abathengisi abafuni ukuqala ukususela ekuqaleni.
Ngoko ke, abathengisi ngokubanzi bacela ukuba siyamkele eso sipho njengesiphakamiso sokulondoloza kwaye siwususe ebhankini. Ingumnini-mthengisi, ikhaya lomdayisi.
Ibhanki ingenakufuna ukufumana esinye isibonelelo, nokuba. Ibhanki ifuna ixabiso lentengiso kumthengi ofanelekileyo. Eyona ndlela enokuzikhethela ngayo kule miba, ukuba ufuna ngokwenene ukunikela ngokuthe ngqo kwibhanki elifutshane, ukunikela yonke imali kunye nangaphezulu kwexabiso lentengo.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.