Umbuzo: Umthengi uthengisa njani emva kokuvala?
Umfundi uyabuza: "Sithengela ikhaya kwaye umdayisi ucele ukuba abuyisele emva kweentsuku ezingama-30 emva kokuvala. Ngamanye amagama, siza kuba ngabanikazi bezindlu ngaphambi kokuba sifike ekhaya lethu elitsha. Kutheni umthengisi ufuna ukuhlawula kwakhona? Ngaba kufuneka sivumele le nto? "
Impendulo: Izizathu zokubangela ukuba umdayisi afune ukuhlawula emva kokuvala kuvaliwe, kodwa akuqhelekanga ukuba umthengisi acele irente.
Ikhaya elithengisayo lithengeka ukuba lingafumaneki ngexesha lakho lokuthengisana livale okanye umthengisi angenako ukufumana i-van ehambayo ngosuku lokugqibela lwenyanga, xa kufuneke ukuba imfuno yokuhambisa imoto iphezulu.
Ngokuqinisekileyo, njengomthengi wekhaya elitsha , ungayifumana le meko ingabonakali. Emva kwakho konke, uhlawule imali eninzi kwikhaya lakho elitsha, ngaphezu kokuhlawula umboleko ngemboleko kwindlu ongenakuhlala nayo. Kuyaqondakala ukuba unomdla wokungena kwaye uwathathe ngokukhawuleza. Ngaphezu koko, ungeke ulindele ukufumana kwindawo yokuba ngumnini-mnini.
Indlela Yokukhusela Amalungelo Amthengi / Amathengi Xa abathengisi Baya kuRhawulwa
Phatha le meko njengoko ubuya kubani na olunye ulwalamano lwezoshishino. Abathengi akufanele bavumele abathengisi ukuba bahlale bephethe ikhaya ngaphandle kokusebenza kwesivumelwano sokuhlala ngokusemthethweni. Ezi mvu melwano zichaza imimiselo nemeko yomthengisi kunye nokukhusela abathengi kunye nabathengisi.
E-California, ama-agents asethempelini anelungelo elifanelekileyo elibizwa ngokuba nguMthengisi kwi-Possession, ephakathi kwezinye iikhontrakthi ngokwemiqathango yekhontrakthi. Xa ibhokisi elifanelekileyo lihlolwe, esi sihlomelo si guqula isivumelwano sokuthenga .
I-SIP ilawula i-short-term retaire reta ehamba emva kweentsuku ezingaphantsi kweentsuku ezingama-30 kwaye iqulethe izinto ezilandelayo:
- Ixesha lokuqeshisa
- Inani lerenti ngosuku
- Inani lokukhutshwa kwekhuseleko
- Ingaba i-deposit deposit iya kubanjelwa kwisigxina okanye ikhutshwe kumthengi ekuvaleni
- Iimali ezihlawulwa emva, ukuba zikhona, malunga neemali ezingenayo kwaye / okanye iintlawulo ezitholwe emva kwexesha lokuhamba
- Ngubani ohlawula izixhobo ezisebenzayo
- Ilungelo lomthengi ukungena kwipropati
- Impahla yomthengisi ukugcina loo propati
- Isabelo sokuqeshiswa kunye nokuhambisa amalungelo
- Imbopheleleko yomthengisi ekunikezeni
- Ininshurensi yempahla yomthengisi
- Iimeko ezahlukeneyo
Ukuba umthengisi uhlala iintsuku ezingama-30 okanye ngaphezulu, kufuneka kwenziwe isivumelwano sokuqeshisa.
Umshuwalense wokuThengiswa kweeNkxaso zeRhafu
Ngamanye amaxesha, abathengi baya kugxininisa ukuba abathengisi balondoloze umgaqo-nkqubo we-inshorensi wabo okhoyo ngexesha lokuhlawula ixesha. Nangona iinkampani ze-inshorensi zingenwavuyo ukugcina ingxelo echaphazelayo, abaninzi baya kuqhubeka nomgaqo-sicelo xa becela.
Nangona kunjalo, kukho iingxaki ezininzi ezinxulumene nalo. Umthengisi akasabakho ikhaya, ngoko xa kwenzeka ukuba ibango, inkampani yomshuwalense yomthengisi inokwenqaba ukuhlawula ibango. Ngaphezu koko, umthengi unomsebenzi wokubambisa i-inshorensi kuba ababolekisi bafuna ukuba umgaqo- nkqubo we- inshorensi yomthengi usebenze ekuvaleni.
Ezinye iinkampani zomshuwalense ziye zatsho ukuba ukuba ibango lenzeke kwaye umdayisi angenise ibango kwenkampani yomthengisi, nokuba ngaba inkampani yomthengisi uyihlawule, inkampani yomthengisi ingabheka kwintlawulo yomshuwalense yomthengi.
Kukho nawuphi na umzekelo, umthengisi kufuneka athathe ingxelo yokuthengisa impahla kunye neemoto zomthengisi.
Ukuqulunqwa kweeNkcitho zeRhafu zokuthengiswa kweeRhafu
Ingqeshiso umthengisi uya kuhlawuleka. Ngamanye amaxesha umthengisi akafuni ukuhlawula nayiphi na ingeniso kodwa acele ukuba ahlale ekhayeni iintsuku ezimbalwa ezingenasiphelo. Kweso siganeko, kusengqiqo ukufezekisa isivumelwano esijongene nemiba yexanduva kunye nekota.
Ngenxa yokuba abaninzi abathengi bahlawula ikhaya elitsha, abathengi banomdla kunye nentlawulo yokuhlawula kunye ne-inshurensi kwikhaya abangahlali kuyo. Kunengqiqo, kwiimeko ezininzi, ukuhlawula umthengisi imali elinganayo nomhlobiso wemihla ngemihla equkethe inqununu yintengo, inzala, irhafu kunye ne-inshurensi.
Ukuba intlawulo entsha yomthengi iquka imithwalo (irhafu kunye ne-inshurensi), kulula ukuba ukwahlula intlawulo ye- PIT ngeentsuku ezingama-30 kwaye uhlawule umthengisi owenzela imali ngosuku.
Ngokomzekelo, ukuba intlawulo entsha yomthengi i-$ 3,000 ye-PITI, loo nto yayingalingana ne-$ 100 ngosuku.
Kodwa ukuhlawulwa kwePITI kumthengisi wokuhlawula akufunwa. Abathengi be-Smart bajonge ireyithi zokuqeshisa ezikhoyo. Basenokufumana ukubalwa kwentlawulo ye-PITI kungaphantsi kwezinga lokuqeshisa eliqhelekileyo.
Ukukhusela ngakumbi - kunye nokuthobela imithetho yendawo yokulawulwa kwemali yerhafu okanye neminye imithetho yomthetho elawula abanikazi bezindlu nabaqeshi - abathengi kunye nabathengisi banokufuna ukuqwalasela isivumelwano sokuqeshisa indawo yokuhlala. Ukufumana ulwazi oluthe vetshe, qhagamshelana nommeli wezezindlu.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.