Umthengi Impumelelo ngaphambi kokuvalwa

Qhubeka uqaphele xa uqwalasela ukuthengwa kwangaphambili kumthengi

Ukuthengwa kwekhaya ngokuqhelekileyo kudluliselwa kumthengisi kumthengi ekugqibeleni , kodwa kwezinye iimeko, ummeli wendlu ucela umdayisi ukuba anikeze umthengi wangaphambili ngaphambi kokuvalwa. Abathengi bavame ukwenza izicelo ezinjalo xa kuqeshiswa indawo yokuhlala yabo yokuhlala okanye ikhaya labo lithengise - kwaye bafuna indawo yokuhlala ngaphambi kokuba kufike umhla wokuvala. Abathengisi basekhaya kunye nabathengi kufuneka babonisane namagqwetha abo ngemibuzo kunye nexhala malunga nokuthengwa kwangaphambili kwithengi phambi kokusayina izivumelwano ezinjalo.

Izithuba zokuqala

Abathengisi benza isigqibo sokugqibela malunga nokuba i -possession yangaphambili inengqondo ngokuthengiselana kwabo. Uninzi lwee-agent zoluhlu, nangona kunjalo, zidimaze imeko ezinjalo kuba izinto ezininzi zinokungahambi kakuhle. Umzekelo:

• Ukuthengiswa kungahle kuwele ngenxa yengxaki yokubambisa imali , oku kuthetha ukuba imali mboleko yabathengi ayiyi kuvunyelwa nangona emva kokuhlaziywa okupheleleyo kwamaxwebhu abo. Ukuba oku kufanele kwenzeke, i-arhente yohlulo ibuyele kwisikwere esinye, ezama ukufumana omnye umthengi ekhaya, kodwa ngeli xesha kunye nomqashi ongazifunayo. Ehlabathini eligqibeleleyo, abathengi bokuqala bahamba, kodwa abameli bafumana indlela enzima ukuba abanini-maxesha ngamanye amaxesha kufuneka bathathe amanyathelo omthetho ukususa abathengi bangaphambili.
• Abathengi banokuva ukuba indlu isele yabo kwaye baqala ukwenza utshintsho-mhlawumbi utshintshe umnini akayi kukuxabisa. Ukuba indlu ayivali, abanini banokubanjelwa kunye nokuphucula abathengi.

• Abathengi bangase baqale ukwenza uludwe lwezinto zokulungiswa ezingaphezulu abafuna ukuzenza zigqityiwe ngaphambi kokuvalwa. Ngokuqhelekileyo, ezi zinto azilungiswa ngokwenene, zizinto nje abathengi abangathanda ukubona ukutshintsha. Oku kuya kukhathazeka ngokukodwa xa sele usuqalile inkqubo yokuhlola nokulungisa.
• Iimeko ezimbi kunazo zonke: Abathengi banokukrazula indlu.

Ukuba uvumelana nokuthengwa kwangaphambili kwithengi, kufuneka kulandelwe ngesivumelwano esibhaliweyo esichaza imisebenzi kunye neemfanelo zamabini omabini. Abameli bezindlu zithengisa i-addendum esivumelwaneni yesigqeba esibambisene nexabiso lokuthenga. Ukuba ukhetha, ugqwetha lingaqulunqa loxwebhu.

Ukuqwalaselwa kwezivumelwano zokuthengwa kweMpahla yokuThengisa

• Amagama kufuneka afake iinkcukacha malunga noko kuza kwenzeka ntoni xa kuthengiswa akungavali ngexesha - okanye akayi kuvala . Ngakanani ixesha abathengi kufuneka bahambe? Yintoni eya kwenzeka xa bengenayo?
• Ingaba ininzi irente iya kubahlawula abathengi kwaye nini? Ngaba ufuna i-deposit deposit?
• Abathengi mabavume ukuba abayi kuguqula ikhaya ngaphandle kwemvume yomnini. Ukuba ukuvala kungenzeki, abathengi kufuneka bahlawule ukubuyela ekhaya kwimeko yabo yangaphambili.
• Qinisekisa ukuba ingaba zibandakanya iinkonzo kwirenti, nokuba ngaba abathengi badlulisela i-akhawunti kumagama abo.
• Abathengi ngokuqhelekileyo banembopheleleko yokutshatyalaliswa kwedoti kwaye kufuneka baququzelele uxanduva lokumisela umhlaba kunye nomthengisi ukuba abanakunikezwa ngumbutho wabaninikhaya.
• Abathengisi basekhaya basenabo ikhaya, ngoko i-inshorensi yesakhiwo yimbopheleleko yabathengisi. Abathengi kufuneka baqinisekise izinto zabo.

• Abathengi akuvumelekanga ukuba bangenise indlu.
• Iifom eziqhelekileyo ziquka rhoqo isitatimenti sokukhulula abathengisi abasuka kwiimbopheleleko ukuba kukho into engalunganga eyenzeka kubathengi ngaphambi kokuvala.
• Ngaba izilwanyana ziya kuvunyelwa?

Kukho amaxesha athenge umthengi ngaphambi kokuvala angancedisa amaqela amabini. Ukuba uziva uhamba kakuhle, qhubeka uqikelele. Imvelaphi qwalasela abathengi bakho ngokugqibeleleyo ngangokunokwenzeka ngaphambi kokuba uvumelane.

Ndiya kuba yinto enqwenelekayo ukuba andizange ndibonise ukuba kwindlela yokujonga ye-arhente yoluhlu (ingengomgcini wentengiso yomthengi) Isizathu esisekuqaleni sinika abathengi ixesha elininzi ixesha lokuba bajikeleze indlu, bacinge ngokuthenga. Abathengi banokuzibona izinto ababezibethelele ngaphambili, ngexesha elininzi kwizandla zabo.

Izinto ezingenako ukuma zihlala kunye nazo.

Ukusuka kwimbono ye-arhente yoluhlu, ezo zinto zifunyenwe kakuhle emva kokuvala ukuthengiswa, kungekhona ngaphambili. Ngenxa yokuba ngaphambi kokuba intengiso ivale, abathengi banako ukurhoxisa. Kule minyaka, ndivile abanye abathengi belila ukuba bahlala endlwini kwithuba elithile ngaphambi kokuba bavale, babengazange bathenge.

Ehleliwe ngu-Elizabeth Weintraub, iThengi lokuThengwa kweNdlu.

Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.