Kwamanye amazwe ase-East Coast, kuqhelekile ukubhala incwadi yokufuna ukuthenga kwaye, ngeendlela ezininzi, kubonakala ngathi yindlela ephucukileyo yokuthenga ikhaya.
Nangona kunjalo, ezinye iindawo ezininzi zinamalungiselelo ekuthengiselwano kwezivumelwano eziye zithengisa umthengi ukuba akhansele inkontileka kwaye abuyisele imali yazo yonke.
Musa ukuzityhalela ukwenza i-Offer Purchase Offer
Ukuba ikhaya ocinga ngalo ngokuthenga lingazithengisa ngokukhawuleza, kwaye ukuba unayo indlela yokukhishwa kwesikontraki kamva, kufuneka wenze ngokukhawuleza isipho sokuthenga. Musa ukulala kuso okanye uzama ukufumana yonke imibuzo emithathu iphendulwe kwangaphambili okanye ulahlekelwe kakhulu ekhaya. Omnye umntu unokukubetha kwi-draw uze uyiba phantsi kwempumlo yakho ngelixa uxakeke kakhulu ubunzima kunye neengxaki.
Ukuba uthanda ikhaya, iziganeko zabanye abathengi basekhaya abasebenzayo, nazo. Awuyena kuphela ikhukhi ehlakaniphile kwindawo yeemarike ongakwazi ukubona ukuthenga okuhle. Yaye akukho, ukulahlekelwa ekhaya akuthethi ukuba "bekufanele ukuba njalo." Cinga nje ukuba ufanele ukuwuthenga, kwaye udidekile.
Imilinganiselo yokuthenga
Xa umnini -mthengi uyamkela isipho sokuthengwa, umthengisa uthemba ukuba umthengi uya kugqiba ukuthengiselana ngexabiso elivunyelweneyo kwaye ukholelwa ukuba akukho nto iphosakeleyo ngemeko yekhaya. Umthengi wasekhaya, ngakolunye uhlangothi, uthemba ukuba intsebenzo iya kuvala ngenxa yokuba ikhaya lisesimweni se-A-1 kwaye ligqibelele.
Akunqabile ukuba enye yezo zilindeleke zihambelane nenyaniso. Akukho ikhaya eligqibeleleyo kwaye ezininzi iimeko zingatshintsha xa isivumelwano samukelwe.
- Abathengi bahlala behambisa izicelo zokulungisa .
- I-appraisal ephantsi ingasongela ukuvuthela le ngxelo.
- Ama-Mortgages anganqatshwa phantsi.
Iintlobo zeeNdlu ezithengisa ngokukhawuleza
Kwiimarike zathengisi, phantse zonke iindlu zithengisa iintsuku ezingama-30. Kwiimarike zomthengi, i- DOM iya kuba yinde. Kukho iziganeko ezininzi kunye neempawu ezichonga ukuba ingaba amakhaya angathengisa ngokukhawuleza, kodwa ezi zidibaniso ezimbini ezibalulekileyo:
- Amakhaya ajikayo kwiindawo eziphakamileyo ezifunekayo, imeko ehle kakhulu, kunye nexabiso elifanelekileyo.
- Izilungiso zokuzicoca kwiindawo ezilungileyo kwaye zixabiso eliphantsi kweentengiso ezifanayo .
Ukuba ikhaya oyifunayo liwela kula maqela amabini, kufuneka ukhawuleze wenze isibonelelo sasekhaya , ukunikezela ukugcina amalungelo okukhansela.
Abanye abameli be-real estate abafuni ukuchitha ixesha lokubhala umnikelo lowo umthengi angakunqanda emva koko kwaye uya kuzama ukukukhupha ukwenza isipho sokuthenga. Abanye bangenakukuxelela ukuba unenombolo ethile yeentsuku ukutshintsha ingqondo yakho. Musa ukuqesha i-arhente engenayo intsingiselo yakho entliziyweni.
Iinjongo zokwenza amaxesha okuthenga ngokukhawuleza
- Isizathu esicacileyo sokwenza isipho sokuthenga emva kokufumana ikhaya oyithandayo uyakukhusela nabani na ukuba bangayithengi. Xa umthengisi wamkela isipho esivela kuwe, umthengisi akakwazi ukuwamkela omnye, ngaphandle kwesipho sokukhusela, okulungileyo kuphela xa isivumelwano sakho sikhanselwa nguwe.
- Ukuba isibonelelo sakho siqala kwaye sodwa, ungaxoxisana ngexabiso kunye nemigomo. Unokwenza umnikelo weBballball . Amandla akho okuxoxisana ancitshisiwe xa kukho izibonelelo ezininzi .
- Nangona abanye abathengi banomdla, ngokuqhelekileyo baya kugxotha xa umthengisi wamkela isipho, ukuvula umnyango wokuxoxisana kwakhona, ukuba kukho, emva kokuhlolwa kwekhaya .
Umgudu wokwenza iiNcediso eziNje zokuThengwa
- Ukuba ungekho phakathi kwamakhaya amabini uze ungene kwisivumelwano kwipropati A, ipropati B ayinakufumaneka ukuba kufuneka utshintshe ingqondo yakho kwaye ukhansele ukuthengiswa kokuqala.
- Ukubuyiselwa kwe- deposit imali echanekileyo ayikho ngokuzenzekelayo. Omabini amaqela kufuneka atyikitye imiyalelo yokukhansela. E-California, umzekelo, umthengisi unokulibaziseka ukusayina iintsuku ezingama-30, ngaphandle kwehlwayo, ugunyaziso lokubuyisela idiphozi efanelekileyo yokholo.
- Abathengi banokufaka i- appraisal , ingxelo yengxelo yemboleko kunye neendleko zokuhlola ekhaya ezingabuyiselwa. Ngokuqhelekileyo, umgaqo-nkqubo / uhlahlo kunye nezinye iindleko zokuvala ziyaxoshwa xa kucinywa.
Ukunikezelwa ngenye indlela yokulahlekelwa yindlu oyifunayo, nangona kunjalo, kunenzuzo ukufunda kwimpazamo yabanye abalahlekelwe amathuba-kuba babenqikaza ukwenza ngokukhawuleza-kunokufunda esi sifundo esibuhlungu wena.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.