Umfundi uyabuza: Siyekile ukuthenga ukuthengisa okufutshane kuba sivile ukuba bathatha ixesha elide kwaye abanako ukuwamkela. Kodwa ngoku sihlobo lokucinga ukuba zonke ixabiso elithengileyo lizithengiso ezimfutshane. Sicinga ukuba mhlawumbi sifanele sicinge ukwenza isipho ngokuthengisa okufutshane. Kodwa asiyazi apho siqala khona. Zingaphi izibonelelo esinokuzenza? Ngaba akufanele senze isiqendu sonikezelo xa abanye bengaphumi? Kwaye kungakanani ngaphantsi kwexabiso lexabiso esinokukunikela ngalo ukuthenga okufutshane? "
Impendulo: Ixabiso leminikelo yokuthengisa elifutshane lidla ngokudideka kubathengi. Awuyodwa yimibuzo yakho. Abathengi abaninzi abathengisa abancinci bavakalelwa ngathi bona kunye nama-agents abo afana nezimpumputhe ezikhokela iimfama, kwaye ngeendlela ezithile. Kungenxa yokuba kukho izinto ezininzi kwiintengiso ezimfutshane. Uchanekile ukuba akuzona zonke iifutshane ezithengisayo .
Ixabiso lentengiso yokuthengiswa okufutshane
Umbuzo omkhulu kumthengi omfutshane yintengo. Kuyinyani ukuba uluhlu lwamaxabiso? Kubaqalayo, ukuba umthengisi akakwazi ukuthengisa okufutshane, uluhlu lwamanani alufanelekanga. Kungenxa yokuba abathengisi abangafanelanga ukuthengiswa okufutshane banokufumanisa ukuthengiswa kwabo okufutshane. Kuloo meko, ibhanki ayiyi kuvuma ukuthengisa okufutshane nokuba uzimisele ukuhlawula ixabiso lemarike.
Awukwazi ukuxhoma isitya sakho kwixabiso lentengo yokuthengisa okufutshane. Into yodwa uluhlu lwamaxabiso luchaza ukuba kuthatha kangakanani ukuthatha umthengisi ukuba asayine isivumelwano somthengi , kwaye ngamanye amaxesha abayi kuyenza loo nto.
Ngokomzekelo, kwi-MLS yam, iifomathi zoluhlu zifunwa ukuba zixelele ii-agent zithengi ukuba umdayisi angamkeli uluhlu lwamaxabiso, kodwa akuzona zonke iinkampani ze-MLS ezifuna ukuba kuvezwe.
Ukuba uluhlu lwamanani luphantsi kakhulu, ibhanki iya kulahla ukuthengisa okufutshane . Ngaphezu koko, uluhlu oluphantsi lwexabiso lungaba sisiqhinga esisetyenziswe ngu-arhente yokurhweba kunye nomthengisi ukukhangela amaxabiso amaninzi kwintengiso emfutshane .
Ngamafutshane, uluhlu lwexabiso lokuthengiswa okufutshane lithetha lincinci kakhulu, ukuba akukho nto.
Indlela yokuKhupha ixabiso leMpahla yokuThengiswa okufutshane
Uya kufuneka ucinge njenge-agent ye- BPO . Ngaphandle kweentlobo ezimbalwa zokuthengisa okufutshane, iibhanki ngokubanzi azihlawuli i-appraisal. Kufana nokusika impumlo yakho ukuze ubhekise ubuso bakho, kodwa iibhanki zifuna ukugcina imali encinci. Akwazanga ukunika ubungqina banele ngokwazi nolwazi ngamavareji abemi bezindlu. Bajwayele ukucinga ukuba naluphi na umzimba ofudumeleyo onokulinganisa ikhaya, kwaye loo mbono iya kuba yiphutha.
Asiyi kuba nale ngxaki ukuba iibhanki zithemba ii-agents zoluhlu olufutshane zithengisa kodwa azinjalo, kwaye zizathu ezifanelekileyo . I- ejenti ye- intengiso ye-intengiso imfutshane imela umthengisi, kungekhona ibhanki. I-arhente yexabiso elithengiswayo elincinci ifuna kwakhona ukuthengisa ngokukhawuleza loo nto. Ixabiso le-arhente yokuthengisa elincinci ibona ixabiso lentengiso lingaba lilungele ekhaleni okanye lingahle likhohlise.
Ngoko, ibhanki elifutshane lithengisa i-agent ye-BPO kwaye ihlawule loo nkonzo engaphantsi kwama-$ 100 ukuvelisa i-BPO. Igosa linokuba ngummeli wendawo okanye i-ejenti inokuhlala ngaphandle kwendawo. Yinenhlanhla yomdwebo. Kodwa amaninzi amanxusa e-BPO aya kujonga ukuthengiswa okuthelekiswayo ngaphakathi kwimizila engama-1/2 ye-mihlaba yomhlaba.
Baya kuqhathanisa umgca wesikwere esifanayo kunye nobudala. Unokwenza into efanayo.
Iintlobo ezahlukileyo zeeMpahla zokuThumela ukuThengiswa okufutshane
Nangona kukho iindlela ezininzi zokubala ixabiso lentengiso, akusiyo yonke i-agent ye-BPO isebenzisa zonke izixhobo ezikhoyo kwi-arhente. I-agent ye-BPO inokuqwalasela kuphela iinyanga ezi-3 zokugqibela zathengisa amakhaya kufuphi nomhlaba. I-arhente inokuthi ingayinaki indawo, imeko, izinto ezizodwa, kunye nemigangatho efana namaxabiso aphantsi kwiindawo ezichanekileyo kunye nezilindelekileyo.
Nazi iindidi ezahlukeneyo zokuthengiswa kwezinto ezifutshane zinikela ngamanani kwaye kutheni zihlukile:
- Ixabiso lentengiso ngokuthengisa okufutshane. Le yintengo intengiso ye-arhente kunye nomthengisi uyavuma. Isetyenziselwa ukukhohlisa isithembiso. Iyakwazi ukuphakama; inokuba yinto ephantsi; kulungele imali.
- Intengiso ye-BPO intengiso emfutshane. Le xabiso lidla ngokuphindwe ngokubhaliweyo, kodwa ngaphandle kokuhlolwa kwangaphakathi kungenanto. Ngaphandle kokuhlolwa kwangaphakathi, ixabiso le-BPO alisoloko lichanekile, ngokuyinhloko kuba i-arhente ayinakusebenza kwindawo yokuhlala. Kodwa le yintengo yokubonelela ibhanki elifutshane lokuthengisa liya kwamkela.
- Ixabiso le -adhente lomthengi wendawo. Ingcali yendawo yokuhlala mhlawumbi ibhetari yakho yesibini ngokubhekiselele kwimbono ethembekileyo yexabiso lemarike. Eli arhente uyazi iimbali kunye neendlela zokuthenga ekhaya kuloo mmandla. Ukuba le xabiso liphezulu kunexabiso le-BPO, nokuba unika ixabiso kuyo nayiphi na indawo kufuphi nale xabiso isekelwe ikakhulu kwinxalenye yokuba ufuna indlu kangakanani kwaye ingaba ujongene nezibonelelo ezikhuphisanayo.
- Umbono womfundi wendawo wendawo yexabiso lemarike. I-appraisal iya kuhlawula i-$ 300 kunye ne-$ 500, ngokwemyinge, kodwa i -appraiser yezobugcisa kunye namava okuvavanya amakhaya kuloo mmandla kufuneka akhiphe uluvo olufanelekileyo lwexabiso. Sekunjalo, ngumbono womntu oyedwa kuphela.
- Uvavanyo lokuthenga ngethengi lomthengi lokuthengisa okufutshane. Olu hlobo lokuhlola luyenziwa nge-pool ye-appraisal , kwaye umntu ophononongayo unokufumana okanye angenakukwazi kwaye angazi ukuba ummelwane. Ngombulelo kwi-hangover ebangelwa yi- HVCC , ngokuyinqobo uvavanyo lokuqinisekisa ukunikezelwa, kungekhona ukuqinisekiswa kwexabiso langempela lemarike.
Eyona nto, inkohliso ekukhetheni ixabiso lokunikezela ngokuthengiswa okufutshane kukujonga ukuba ibhanki iya kufuna ntoni, ngokusekelwe kwimbono yegosa yeBPO yexabiso. Ixabiso lakho lokunikela lifuna ukuba liqikelele. Ibhanki inokuthi okanye ayivumelekanga isaphulelo sokulinda imvume yokuthengisa emfutshane . Khawukhumbule, nangona kunjalo, akukho xabiso lakho okanye ixabiso le-Agent ye-BPO linakho nawuphi na isiseko kwixabiso lemarike. Isixa ohlawulayo kunye nexabiso lentengiso lingaba izinto ezimbini ezihlukeneyo.
Vele uzilungiselele isibonelelo se-counter evela ebhankini ukuba inani lakho lokunikezela liphantsi kakhulu.
Ukuphendula umbuzo wakho malunga nokunikezelwa kwamanani amaninzi . Kufuneka uxoxe nommeli wakho malunga nemingcipheko kunye nemingcipheko esemthethweni ekubhaliseni izibonelelo ezininzi ngokuthengisa okufutshane xa unganakho ukuthenga zonke. Ngokuqhelekileyo, ama-agent agunyazisiweyo adikibala loo nto ngaphandle kokuba umthengi echaze loo nyaniso kwi-offer.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.