Umbuzo: Iyintoni iHlomelo elifutshane lokuthengisa?
Umfundi uyabuza: "I-arhente yethu ithi siyadingeka ukuba sisayine i-addendum yokuthengisa emfutshane okanye umthengisi akayi kwamkela ukuthengiswa kwethu okufutshane , kodwa akazange asinike le maphepha. Abahlobo basilumkisa ukuba singayayinanga umqulu onje ngenxa yokuba sithi sisebenza ngokumelene nathi ngandlela-thile.Kodwa sinokuyenza ntoni xa i-arhente yoluhlu ingafuni ukuthatha isipho sethu?
Impendulo: Ingaba usebenzisa i-addendum yokuthengisa emfutshane ukuhamba kunye nesibonelelo sakho siya kuxhomekeka, inxalenye, nokuba le fom iyafumaneka kwaye isetyenziswa ngokuqhelekileyo kwimeko yakho. Uninzi lwemibutho yaseburhulumenteni ye-REALTOR® ivumela isihlomelo esithengiswayo esifutshane kodwa asiyiyo yonke into eyenzayo.
Enyanisweni, enye ye-verbiage kwisihlomelo esithengiswayo esifutshane ingahluka ukusuka kummandla ukuya kwimeko. Ekubeni ndiyazi kakuhle i-California Association ye-REALTOR'S® i-addendum efutshane, makhe ndichaze i-pros and cons of that document.
Isihlomelo esifutshane seSahluko 1
Ngenxa yokuba kuthengiswa okufutshane kumthengisi womthengisi ovuma ukwamkela ngaphantsi kwexabiso elihlawulwayo, i-addendum yokuthengisa emfutshane icacisa umcimbi.
Ikwabekwa ixesha elithe xa umthengi ekulungele ukulinda imvume yokuthengisa emfutshane ngokufaka umgca ongekho umhla, kunye neentsuku ezingama-45 njengento engagqibekanga. Imvume yokuthengisa emfutshane ithatha ukususela kwiintsuku ezingama-30 ukuya kwiinyanga ezintathu ukuya kwezi-4 okanye ngaphezulu.
Nangona umthengisi kufuneka asebenzisane nababolekisi, umthengisi akabophekanga ukuba avalwe ukuthengisa okufutshane ukuba umboleki ufuna igalelo kumthengisi.
Umkhwa wam ukubonisa ubuncinane ubuncinane iintsuku ezingama-90 ukwenzela ukuba isivumelwano sihlale sichaphazela nokuba sithatha iinyanga ezintathu ukufumana imvume.
IsiHlomelo esifutshane seSahluko sesi-2
Le ngxenye inika umthengi 2 ukhetho malunga nokuhlolwa kunye nokuthethelela. Eli xesha lingaqala:
- Ngokukhawuleza xa kwamkelwa, okanye
- Ukuvunyelwa okufutshane kwintengiso yebhanki (s).
Isihlomelo esifutshane seSahluko 3
Eli candelo libhekiselele kwidiphozithi yomthengi onyanisekileyo kwaye ivumela umthengi ukhethe kwizinto ezi-2:
- Ukukhulula imali engqongqo kwidilesi ekuthengeni umthengisi njengoko kuchazwe kwisivumelwano okanye
- Yeka imali engqongqo kwidiphozithi ukufikelela kwemvume emfutshane.
Xa ndimela iSigramento abathengi, ndicela ukuba idiphozithi ibanjwe ngabathengi, ngaphandle kokuba umthengisi athi inkcazo ayiyi kuqwalaselwa ngaphandle kokukhululwa kwediphozi.
Xa ndimela umthengisi, ndifuna ukuba idiphozi yomthengi ikhutshwe. Ngaphandle kokukhululwa kwediphozithi, kulula kakhulu ukuba abathengi bahambe xa kuthengiswa into engcono.
Isihlomelo esifutshane seSahluko 4
Icandelo 4 lithi akukho mqinisekiso yokuba ibhanki lomthengisi uya kuvuma ukuthengiswa okufutshane. Ukongezelela, ibhanki lomdayisi lifuna ukuba libone zonke izibonelelo kwaye linokukhetha isibonelelo esahlukileyo. Nangona kunjalo, umthengi kunye nomthengisi bakhululekile ukugatya imigaqo yebhanki yentengiso emfutshane.
IsiHlomelo esifutshane seSahluko sesi-5
Eli candelo lichaza ukuba umthengi kunye nomthengisi unokufumana iindleko ezithile ngokulandela isivumelwano.
Ezinye zeendleko zingabangela uxanduva lwamaqela ukuba umthengisi omncinci uthengise ukuhlawula kwaye, ukuba ngaba amaqela angabhasela, ezinye iirhafu zingabangelwa ngenxa yokukhansela.
IsiHlomelo esifutshane seSahluko 6
Xa ndimelela umthengi omthengi omfutshane, ndenza i-addendum kwisivumelwano sokuthenga esisusa iSigaba 6 kwi-addendum esithengiswayo esifutshane. Xa ndimelela umthengisi, ngokubanzi ndilindele ukuba umthengi asayine i-addendum esithengiswayo esifutshane ngaphandle kokususa eli candelo.
Kungenxa yokuba eli candelo livumela umthengisi ukuba aqhubeke nokubonisa ikhaya aze athumele ezinye izibonelelo ebhanki. Oku kuthetha ukuba umthengisi ufumana isibonelelo esiphezulu, umthengisi angacela ibhanki ukuba yamkele isibonelelo esiphezulu kwindawo-yokunikezelwa ngumthengisi.
IsiHlomelo esifutshane seSahluko 7
Icandelo 7 lichaza ukuba abathengisi bayacetyiswa ukuba bafune iingcebiso ngeengcali malunga nokuthengisa okufutshane okuchaphazela i-credit , kuquka nemiphumo yomthetho okanye yerhafu.
Ekugqibeleni, ukuba umthengisi ucela i-addendum yokuthengisa emfutshane, njengomthengi, unokubeka umngcipheko wokuba isibonelelo sakho asiyi kuqwalaselwa ukuba awusayine i-addendum yokuthengisa emfutshane. Ukufumana ulwazi oluthe vetshe, unokufuna ukuxubusha oku kunye nommeli wezezindlu.
Nceda uqaphele ukuba iinguqulelo zitsha zikhutshwe minyaka yonke okanye njalo, oko kuthetha ukuba amacandelo angase athathwe kancinci kunyaka unyaka.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.