Abathengi basekhaya abavumi ukubuza malunga nokuthengisa okuthelekiswayo, kodwa kufanelekile. Xa umthengi wezindlu ezithengisa amakhaya, loo mthengi uthelekisa amakhaya athengiswayo namanye amakhaya athengiswayo. Into kuphela umthengi uyazi kukuba umthengisi wehla esitalatini ucela icebo elifanayo lomgangatho.
Yintoni Eyenza Intengiso Efaniswayo?
Ukuthengisa okuthelekiswayo ngamanani okuthengisa emakhaya afanayo athengise. Ukuthengiswa okuthelekiswayo akukona uludwe olusebenzayo okanye ukulindela ukuthengisa ; nangona zinokuthelekiswa, ezo zixabiso azithwali ubunzima obufana nekhaya elithengisile. Ukuthengisa okuthelekiswayo kusetyenziswa njengomzekelo ukucacisa ukuba kutheni umthengi engafuni ukuhlawula ngaphezu komntu wokugqibela ohlawula ikhaya elifanayo.
Nazi ezinye izinto eziphambili zentengiso efaniswayo:
- Ixesha elidlulileyo lokuthengisa. Kwiminyaka emininzi edlulileyo, ii-appraisers zisetyenziselwa ukubuyela emva kweenyanga ezili-6 kwiirekhodi zikawonkewonke ukuzithengisa ukuthengisa. Ukususela kwi -meltdown ye-sub-prime yangaphambili ye- 2007, eso sihlandlo sexesha siye saqina. Namhlanje, abahloli bee-appraisers basebenzisa kuphela iinyanga ezi-3 zokugqibela zokuthengisa okuthelekiswayo.
- Sondeza. Eyona ndlela, umphandi uza kuqwalasela iinkcukacha ezithengiswayo kwi-radius ethile, ngokuqhelekileyo kwi-¼ ukuya ku-½ mile yepropati. Ukusondela ngakumbi. Indlu ehamba ngesitalato esityebileyo iya kuba nexabiso elingaphantsi kwekhaya elijongene nelibi.
- Imifanekiso yesikwere esifanayo. Awukwazi ukuthatha ixabiso le-1 000-square-home-home and double it to determine the value of 2,000 square-home-home. Kungenxa yokuba iindleko zeenyawo zemizi encinci yamanani amancinci kuneendleko ezihamba ngeenyawo zendlu enkulu. Eyona nto, ufuna ukuthelekisa amakhaya angaphantsi kwe-10% egciniweyo lesikwerelo sepropati yakho.
- Ubudala obufanayo kunye nokwakhiwa. Uyakuva abantu bathi: Abayikwakha amakhaya afana nawo. Kodwa akuthethi ukuba amakhaya amadala angcono kunamakhaya amatsha. Ixabiso, nangona kunjalo, lihlukile ngenxa yobume kunye nesibheno. Uphahla lwama-tile, umzekelo, unokufumana ubomi obuneminyaka engama-50 kwiminyaka engama-25 ukuya kwe-30 ubomi obunzima bokubunjwa.
- Ubuninzi beenyawo ezinje. Kwezinye iiphetshana zamakhaya ezintsha, unokufumana ukuxuba kwamanani amaninzi. Ngokomzekelo, umgca we-zero uthetha ukuba ikhaya alinayo ididi. Icala okanye i-back yard ingaba yincinci kakhulu ngaphandle kwengca okanye izityalo, eziqhelekanga ukuba zingabhenquli kwiintsapho ezinezingane. Iindawo ezininzi ziqikelela ubungakanani obuninzi obusekelwe kwinqanaba elisezantsi lesahlulo lihlukaniswe ngamawaka angama-43,560. I-acre ngamanqina angama-43,560 square. Ikota yehektare, okanye i-10,890 iinyawo zenyawo .25 yehektare.
- Imeko efanayo. Ngaphandle kokuba usebenza kunye neengcali zommandla olwaziyo ngokusemgangathweni imeko enkulu yamakhaya kwindawo ethile, kunokuba nzima ukuzimisela imeko yokuthengiswa. Ikhaya elikhutshweyo elibanjelwe ebhankini, elishiya izixhobo zalo kunye nobhedu lwepilisi, lufanelekile ngaphantsi kwekhaya lokujika, lihlaziywe kunye neefowuni ezintsha, i-carpeting kunye nopende.
Ukuba unenhlanhla kwaye uqhathanisa amakhaya kwisiqephu, ungasifumana iimpepha ezizodwa zokusebenzisa njengokuthengisa okuthelekiswayo.
Kutheni Kutheni Unokukhathalela Umthengi Ngeentengiso ezifaniswayo?
Umthengisi angasebenzisa ukuthengisa okufaniswayo ukulungelelanisa ixabiso lakhe kumthengi. Nangona kunjalo, ekugqibeleni, umthengi uya kuhlawula imali umthengi akholelwa ukuba yintengo efanelekileyo. Kusenokwenzeka ukuba awuzange uvelele umthengi athi, "Ndimele ndihlawule ngaphezulu loo ndlu." Abathengi ngokubanzi bafuna ukuhlawula ngaphantsi.
Ngokuchasene noko, abathengi ngezinye iinkxalabo baya kuba baya kuhlawula kakhulu indlu. Ngokukodwa xa bethenga kwi-market real estate market . Akukho mthengi ofuna ukufumana ikhaya elithengiweyo lixabiso elingaphantsi kwexabiso langaphambili.
Ukuba umthengi ufumana ukuxhaswa ngemali, umgcini-sicelo webhanki ungena emfanekisweni. Amabhanki nawo afuna ukukhusela utyalo-mali kunye nokhuseleko lwabo mali-mali. Yingakho iibhanki zisebenzisa i-appraiser kwiindleko zomthengi ukuchonga nokulinganisa ixabiso.
Nangona kunjalo, ii-appraisals yivoti yexabiso. Ukuphonononga kulunge nje ngamava nolwazi lomntu olulungiselele.
Ukuba ummeli womthengi unika uvavanyo oluphantsi , umthengisi unako ukhetho lokunciphisa intengo yokuthengisa. Ukuba umdayisi uyala, yilapho umthengi enokumelana ne-appraisal. Abathengi banokuncintisana novavanyo ngokuthumela ukuthengisa okufaniswayo.
Ngelixa kunokwenzeka ukuba ulungelelanise uvavanyo lwezinto ezibalaseleyo xa iincomps zimbalwa kwaye ziphakathi kakhulu, ukuthengisa okuthethelekileyo kuya kuhlale kuhamba kunye neendlela ezihambelana kakhulu nezo zakhiwo. Buza i-arhente yakho yendawo yokuhlala ukulungiselela ukuthengisa okufaniswayo.