Abathengisi kufuneka bacacise kunye ne-arhente yabo ukuba imirhumo yinto yesiko kwaye ayikho.
Kungase kudideke ukuba uqonde ukuba ingaba yindleko kangakanani ukuthengisa indlu.
Emva kwakho konke, ukuba uthengisa imoto yakho, awuyikuhlawula i-inshorensi entsha yomthengi okanye ukubhaliswa kwetayiti okanye irhafu. Umthengi uyayifaka imali kwaye usayine isihloko. Kodwa ukuthengisa ikhaya kuyahluke kakhulu, kwaye kukho iindleko zokuthengiswa ezibandakanyekayo.
Ingakanani iindleko zokuthengisa indlu kuxhomekeke kwi:
- Isiko sendawo
- Iimfuno zikaRhulumente
- Udidi lweemarike zentengiso . Ingaba yimarike yomthengi, iimarike zathengisi okanye i-marketplace efanelekileyo?
Ngokona nxalenye, zonke izakhiwo zithengiswa. Oko kuthetha ukuba iindleko zokuthengiswa kwintengiselwano yokuthenga ziya kuthethwa. Kodwa ukuba abathengisi abaninzi edolophini yakho, umzekelo, bazimisele ukuhlawula, bathi, batshintshe irhafu, kwaye anifuni ukuhlawula irhafu, kungenokwanela ukuguqula umthengi.
Iintlobo zeNdleko zeNdleko zokuThengisa ikhaya
E-California, umzekelo, irhafu yerhafu yokubhaliswa ibalwe kuma-55 eentente nge $ 500 yemali yokuthengisa. Leyo yayiza kulingana ne-$ 330 yeedola ezingama-300,000.
Kungenzeka kungabonakali njengemali eninzi xa kuthelekiswa nentengo yokuthengisa, kodwa kumthengi, uyongeza. Ndiyakrokrela esinye isizathu sokuba imali ehlawulwe ngokuthengiswa ngumthengisi kukuba umthengi sele ehlawula iindleko ezininzi zokuvala nje ukufumana mboleko. Mhlawumbi ingcamango ingumthengisi ngumntu onomdla kakhulu?
Inkokhelo enkulu kakhulu iya kuba yikomishoni yezindlu . Le yindawo apho abanye abathengisi bazama ukubhala kwaye mhlawumbi akufanele. Ukuba umthengisi uqesha i- arhente elungileyo , loo arhente uya kuzuza imali yakhe emva koko emva koko ngokuphatha kwakhe kwintengiso. UMbutho weSizwe we-REALTORS uqhuba rhoqo uphando olubonisa ukuba abathengisi bafumana malunga ne-20% ngaphezulu ngokuqesha i-REALTOR® xa kuthengisa ikhaya ngumnini .
Iphulo: musa ukulahlekelwa yi-arhente yoluhlu olukhuselekileyo ngenxa yokuba uhluke ngo-1% okanye kunjalo kwikhomishini. Ukuba i-1% okanye kunjalo awufuni ukuyihlawula ingaba ngu-10% okanye ngaphezulu kwexabiso lokuthenga ongawulahleka ngenxa yokuba uqeshe i-agent engalunganga.
Ezinye iintlobo zemirhumo yesiko, eziqhelekileyo eCalifornia kwaye ziyakwazi ukuhluka ukusuka kwinqanaba ukuya kwinqununu, kwaye zininzi ziyahluka ukusuka kummandla ukuya kwimeko:
- Iirhafu zokuthunyelwa kweSixeko
- Ukuziswa okanye iposi
- Ukulungiselela amaxwebhu
- I-escrow
- Ii-HOA kunye neendluliselo
- IWaranti yesiKhaya
- Imboleko yokungena
- Iimali ezihlawulwayo kunye neemfuno zokuxhamla
- Iirhafu zepropati
- Ukurekhoda
- Intshuwalense yesihloko yomgaqo-nkqubo womnini
- Ukuhlolwa kwezilwanyana kunye nokugqitywa kwezinambuzane
- Ifowuni
Iindleko ezixhaswe nguRhulumente ekuthengiseni iNdlu
Kukho iinkcukacha ezininzi zasekhaya umdayisi kufuneka anikezele. Nangona i-Code Civil yaseCalifornia ayithethi ukuba umthengisi kufuneka ahlawule ukudalulwa kwengozi yemvelo, umzekelo, kufuna umdayisi ukuba adalule izingozi zendalo kumthengi.
Indlela efanelekileyo yokunelisa loo mfuneko ethile kukuba uthenge ukudalulwa kwengozi yemvelo malunga ne-$ 100. Ndiyaphikisana nale ngongoma kunye nabathengisi abafutshane abangafuni ukugunyazisa le ntlawulo kwaye bazuze loo ngxabano kuba ndiyithumele i-Code Civil Civil Code.
Iintlobo zeendleko ezigunyazwe ngu rhu lumente ukuthengisa indlu ziyahlukahluka kummandla ukuya kwilizwe kunye nekommandla ukuya kwingingqi kunye nomzi ukuya kwisixeko. Ezinye iidolophu zifuna abathengisi ukuba bahlawule kwaye bathumele kumthengi ingxelo yokuhlola isixeko. Abathengisi banokufuneka ukuba bafake izixhobo zokukhusela ezifana ne-alarm alarms okanye i-carbon monoxide-detectors okanye nesezixhobo zokuphambuka kwamanzi ezivimbela i-backups kumbhobho wegadi. Umntu ongcono ukuba abuze igosa lakho lezindlu .
Qaphela kwiCalifornia. Umthetho osebenzayo ngoJanuwari 2017 ufuna onke amakhaya ukuba afakwe amacebo okugcina amanzi.
Ukuba abathengisi batyikitya isivumelwano sokuthenga esivumelana nokuthobela ukulungiswa kwegunya likaRhulumente, banokuzifumanisa ukuba bathathe indawo yokuhlambela i-dishwasher, zonke izindlu zangasese, iintloko zokuwawa kunye neebhobhe zamanzi kulo lonke indlu. Ukuba abathengisi bengavumelani ukuthobela ukulungiswa kwegunya likaRhulumente, akufuneki ukuba benze nantoni na ngaphandle kokudalula.
Ukuveliswa kweMakethe kwiiNdleko zokuthengisa iNdlu
Kwimakethi yomthengisi, umzekelo, unokukwazi ukufuna ukuba umthengi athathe ngaphezulu kweendleko zokuvala kunokuba umthengi uya kuhlawula ngokuqhelekileyo, ngenxa yokuba unokufumana abathengi abaninzi abafuna ukuthenga ikhaya lakho. Xa i-appraisal iyinkxalabo kwiimeko ezininzi zokubonelela , oku kuthetha ukuba umthengi akakwazi ukunikela ngaphezu kwexabiso lemarike ngoba a) akunakulinganisa kwaye b) umthengi akanakho ukuba nemali ukukhawulela umahluko, ukunikela ukuhlawula ngaphezulu Iindleko zokuvala umthengisi kunokuba kufuneka uyenze ukwenza inqaku lomthengi likhangele ngakumbi kumthengisi.
Ukuchasene kuyinyaniso kumakethi yomthengi. Kwimarike yomthengi, umthengisi angase anikezele ukuhlawula ezinye zeendleko zokuvala umthengi ukwenza ikhaya likhangeleke kumthengi ukuthenga. Kwimakethe engathathi hlangothi, kungenokuba yinto eninzi.
Iphulo: Xa kufika ixesha lokuphonononga isipho sokuthenga , cela i-agent yakho ukuba ikunike iphepha elikhatywayo elisekelwe kweso sipho esithile.