Umbuzo: Yintoni esiyidingayo ngokuyithenga ngokuthenga izinto ezifutshane?
Sasilinde ngomonde i-bhanki ukuba ivume ukuthengiswa kwethu okufutshane malunga neenyanga ezimbini. Singabathengi basekhaya bokuqala , kwaye andinakukholelwa into eninzi esiya kuyo kule ndawo. Ingxaki asikwazi ukwenza ukuhlolwa kwekhaya kuze kube yilapho sesifumana imvume, kwaye umhloli wathola isiqhelo sezinto ezingalunganga - imiba yezempilo kunye nezokhuseleko - kwaye sifuna ukuba oku zinto zizinze. I-arhente yethu ithi ibhanki ayinakuyenza kuba ikhaya lidayiswa njenge-As Is sale mfutshane. Yintoni ekwenzayo njengoko kunjalo? Yiyiphi i-As Is sale mfutshane?
Impendulo: Abaninzi abathengi basekhaya bexesha lokuqala bafumana ixesha elibukhali lokuhlola ikhaya kodwa kunzima xa bethenga njengokuba kuthengiswa okufutshane. Kungenxa yokuba kuya kuba yinto engavamile ukuba umthengisi alungise nantoni na xa ivenkile yeentengiso zithengiswa Njengaye. Ukongezelela, kwezinye iimeko, ukulungiswa kwemali-ntengiso kungaphula isivumelwano sexesha lebhanki.
Kutheni Kuthengiswa okuTshane okuthengiswayo njengokuba kunjalo
Amabhanki athabatha ibhate xa agunyazisa ukuthengiswa okufutshane . Ngamanye amaxesha, imali exolelwe yibhanki idlula i-50% yesixa-mali esingabhatalwa. Akuqhelekanga kwibhanki ukuba ivumelane neempesheni ezinkulu ngenxa yokuba ipropati ixabisa oko kungafanelekile ngexesha lokuthengiswa. Ukuba amaxabiso awela ngo-50%, ke umboleki uya kufumana nayiphi na ekhoyo emva kokuba iindleko zihlawulwe.
Iindleko zokuthengisa zithathwa kwixabiso lokuthengisa. Masithi ikhaya lifanele u-$ 100,000. Ukuba ikhomishini , isihloko kunye neendleko zokuhlawula, iintlawulo zepropati kunye nazo zonke iindleko zokuthengiswa zizonke i-$ 10,000, umzekelo, ibhanki iya kufumana i-$ 90,000.
Ukuba ibhanki yayiza kugunyazisa iindleko zokulungisa, imali yalezo zindleko zokulungisa ziya kutsalwa kwii-90,000 zamaRandi, ukuhlawulela ibhanki. Ngaphandle koko, iibhanki ezininzi zithengisa ukuthengisa okufutshane malunga nexabiso lentengiso ukuvumela ukulungiswa okungalindelekanga. Ngoko ke, iindleko zokulungisa / ukulungisa isiphako kungenzeka ukuba sele ziqikelelwe kwixabiso okulindeleke ukuba lihlawule.
Ngenxa yoko, iibhanki zilahla ukuhlawula nayiphi na enye ngaphandle kweendleko zokuvala ezikwakukho . Abaninzi abathengi iikontraka bathetha ukuba umthengi uthengisa ikhaya layo njengokuba kunjalo nemeko. Kufuneka ufunde ukushicilelwa okulungileyo kwintlawulo yakho yokuthengwa kwephepha le-10 ukuya kwi-20.
Ingaba uMthengisi angenza ukulungiswa xa kuthengisa njenge-Sale?
Ngamanye amaxesha, ukuqhubela iphoyinti ekhaya kubathengi, ndingayifaka isivakalisi kwisibonelelo samakhasti okanye ama-addendum abhala njengezimo zeentengiso. Ndiza kuthi abathengi abaziqondi ibhanki okanye umthengisi uya kwenza nayiphi na indlela yokulungiswa, nangayiphi na isizathu na, akusoze, naphakade kwiminyaka eyizigidi.
Oku kwenza abantu bahlekise. Kungenza abanye abathengi bahluthe ngenxa yokuba bafuna ukuba umntu abe noxanduva lomqathango wepropati. Kodwa oko akunakwenzeka. Labo ngabantu abangayiqondi ukuba into yokugqibela i- agent yerhwebo elifutshane kunye nomthengisi wakhe ufuna ukuva xa behlela ifayili ukuvala umfuno wemthengi wokulungisa. Abanye abameli bangathanda ukuxoxisana nomthengi omtsha kuba kulula kunokuba uqale ukuhlaziya kwakhona intlawulo ephantsi okanye ukulungisa iindleko kunye nomthengi okhoyo.
Ngokuphathelele ukuba umdayisi unokukwazi ukulungisa, kuya kuxhomekeka. Ezinye izivumelwano zichaza ukuba umthengisi ukuhambisa loo propati kumntu ofanayo kwimeko efanayo xa umthengi ewajonga kuqala.
Ukuba kukho into eyenzekayo, yithi, uphahla lwaqala ukuvuza, alukho mqathango omnye. Ukubamba ukuthengiselana ndawonye, umdayisi unokuvunyelwa ukulungisa uphahla. Kodwa akudingeki kwiimeko ezininzi.
Iimfuneko zeemali ze-FHA zikarhulumente azikho nawuphi na upende wokupenda kwikhaya elakhiweyo ngaphambi kowe-1978. Umthengi akayi kufumana mboleko xa umlingisi wenkcazo ebhala ipeyinti. Ingaba umthengisi uza kugqiba ukutshiza kunye nokupenda amabala afunyanwe ngumhloli wenkampani yomthengi? Umthengisi unokuthi ukuba umdayisi ufuna ukuba ukuthengwa kuvalwe. Kuninzi kuxhomekeke kwizinto ozicelayo ukuba zilungiswe kunye nendlela eninzi ngayo.
Imiba yezeMpilo kunye nezoKhuseleko njengokuba kuthengiswa okufutshane
Ekubeni uye wasebenzisa ngokugqithiseleyo ixesha lezempilo kunye nokhuseleko, makhe sikhulume ngalo. Ezinye iinkalo zempilo nezokhuseleko zinzima. Abanye banobubele. Abanye bajongana nokuphulwa kwekhowudi okungenakuzala.
Umcimbi wezempilo kunye nokhuseleko yintlupheko ecaleni lomgca xa elinye icala liphakanyiswa li-inch yesiqingatha kwaye kwelinye icala lincinane. Ukuqhekeka okunjalo, mhlawumbi kubangelwa yimisinga yomthi, kunokubangela ukuba abantu bahambe baze bawa phantsi. Kodwa ngaba ingxaki yempilo kunye nokhuseleko kuwe? Ukungenawo umnyango onomlilo phakathi kwendlu kunye negalaji yinkinga yempilo nokhuseleko. Ukutshala indlu yokuhlambela ekukhupheleni kwi-attic kuyinkinga yempilo nokhuseleko. Ubekaphi umgca?
Oku akulungiswayo abathengisi abaninzi baya kucinga ukuba bajongane ne-As Like sale short. Ngaphambi kokuba uthathe ukuthenga njengokuba kuthengiswa okufutshane, unokuzibuza ukuba ulungele ukwamukelwa ekhaya njengokuba kunjalo. Wonke amakhaya aneziphene. Akukho ikhaya eligqibeleleyo.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.