Iintlobo ezisisiseko zeeMpahla eziThengisiweyo zokuThengisa
Nangona kukho ukuhluka kweendlela ezininzi, ininzi iyahambelana nesinye sezifomathi ezimbini:
- Umthengisi uya kugcina ipropati kwiimarike kodwa amkele isibonelelo esiphezulu, ukubonelela abathengi ngeeyure ezingama-72 (ezithengiselanayo) isaziso sokuqala sokunqaba ukwenza umthengisi wesiganeko ufumana isibonelelo esingcono.
- Umthengisi uya kuthatha isakhiwo kwindawo yokuthengisa kwaye ulinde umthengi ukuba athengise ikhaya elikhoyo lomthengi.
Ubungakanani umthengisi uya kukhetha ukhetho olulodwa kodwa abathengi bakhetha ukhetho olubini. Isizathu sokuba umthengisi angamkele ukhetho olubini ukuba ngaba akunakwenzeka ukuba abanye abathengi benze isipho sokuthenga . Abathengisi abaninzi abanakuze balinde ngonaphakade kwaye baya kuchaza umhla wokuthengiselana ukuvala. Ukuba indlu yomthengi ayithenganga ngalo mhla, umthengi unako ukurhoxisa.
Isiphi isaziso se-72 seyure sokwenzela iSipho esiPhezulu?
Isaziso sokwenza singabakho nawuphi na ubude bentetho: iiyure ezingama-24, iiyure ezingama-48 okanye nayiphi na inani leentsuku.
Ithuba lixesha naluphi na umthengi kunye nomthengisi angavuma. Okokuqala, umthengisi uthumela isaziso seeyure ezingama-72 ukuba enze kumthengi, uxelele umthengi omnye umnikelo owamkelekileyo kwaye umthengi unayo iiyure ezingama-72 ukususa umcimbi wokuthengisa ikhaya elikhoyo lomthengi. Ukuba umthengi akayi kususa umcimbi wokuthengisa, ngokuqhelekileyo umdayisi unelungelo lokufuna ukukhanselwa kwekhontrakthi aze abuyisele imali ethe ngqo kumthengi.
Izinketho zokuSusa ukuThengiswa koThengiselo phantsi koLungelo lokuQala
Ngokwamkela isibonelelo esiphezulu sexesha elithile, umthengisi unikezela umthengi ilungelo lokwenqaba. Ukuba omnye umthengi ufuna ukuthenga ikhaya kwaye umthengi akayithenganga ekhaya, umdayisi angacela umthengi ukuba asuse umcimbi.
- Fumana i-bridge loan. Kukulungele ukufumana imvume phambi kwe-bridge ngaphambi kokufumana isaziso seeyure ezingama-72 ukuba wenze. Ngaloo ndlela, awuyi kukhangela ukuzama ukulungelelanisa ukuxhaswa kwemali kwixesha elingenakwenzeka leentsuku ezintathu. Imali-mboleko yeBhuloho yindlela ekhethileyo kuba uya kuhlawula imali yemboleko.
- Thepha umgca wokulinganisa ikhaya. Abaninzi ababolekayo abanakukuboleka ngemali mboleko yemali xa ikhaya lakho lisemarike, kwaye umthengisi akanako ukufumana isipho esiphezulu ngaphandle kokuba ikhaya lakho liye kwiimarike. Kodwa akusiyo iCatch-22. Ukuba ubeka umgca wekhredithi yekhaya ngaphambi kokuba ubeke ikhaya lakho kwimarike, unokwedlulisa imali okanye ubhale isheke.
- Sitshintsha imali yakho yokubolekwa kwemali-mboleko. Ukuba uceba ukwenza phantsi, tshela, i-20% ukuthenga ikhaya lakho elitsha , ubeke phantsi ngaphantsi kwaye ufumane imali ephezulu yokuthenga imali. Emva koko, xa ikhaya lakho ekugqibeleni lithengisa, ungasebenzisa imali yokuhlawula imali. Qaphela ukuba amaninzi amaninzi ahlawulwa ngemali-mboleko aphethe iirhafu eziphezulu.
- Bhowula intlawulo ephantsi kwisihlobo. Abanye abathengi basekhaya badonsa ibhankini likaMama noTata xa kuvela ingxamiseko. Andizi ukuba ukuthenga ikhaya elitsha lenza ingxamiseko kwintsapho yakho, kodwa kwezinye iintsapho, yenza. Mhlawumbi uMalume uJoe uya kukunika ilifa kwangaphambili? Akunakulimaza ukubuza.
- Susa ukuthengiswa kwakho kunye nethemba elona lifanelekileyo. Ndiyazi into enokucinga ngayo ngoku: "Ngaba utshaya?" Kodwa ukuba unethemba lokuba ikhaya lakho ekugqibeleni lizithengisa, abanye abathengi bakhethe olu khetho.
Umngcipheko ongaphantsi kweNgcaciso yokuSusa ukuThengiswa koThengiso
Ngaphambi kokuba ususe umgca wokuthengisa, buyekeze isivumelwano sakho sokuthenga kunye negqwetha uze ufumane iingcebiso zomthetho ukuchonga amalungelo akho phantsi kwesivumelwano. Iikontraki zokuthenga zaseCalifornia, umzekelo, cacisa ngokucacileyo ukuba idiphozithi yakho yemali iyinyango xa ungekho phantsi kwesivumelwano.
Ubeke ngaphi? $ 1,000? $ 5,000? $ 10,000? Ukuba ungaphila ngokulahlekelwa ngumthamo ngokuthatha ibhola eliya kuthengisa ngalo ikhaya lakho, kuya kulungela kuwe. Ngaphandle koko, zama ukugcina umcimbi wendawo.
Ubu bungqina beeNgxowa zokuVala
Xa kususwe isigxina, abathengisi bavame ukucela ubungqina bemali yokuvala. Oku kuthintela abathengi ukuba basuse ngokukhawuleza umcimbi ngaphandle kwenjongo yangempela yokuvala (kungekhona ukuba ucinga ukuba). Ukuba isihlobo sinemali, ngokuqhelekileyo ityala lesipho esivela kwisihlobo kunye nekopi yeenkcazo zebhanki okanye i-akhawunti ye-stock zanele ukwanelisa umboleki wakho kunye nomthengisi.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.