Ziziphi iiNtlawulo zokuHlola kunye naziphi zona?

Inkcazo kunye Nenkcazo

Intlawulo ye-appraisal iquka iindleko zokuba i-appraiser yeengcali zihlola ikhaya kwaye ziqikelele ixabiso lentengiso lekhaya. Iindleko zihlala zijikeleze i-$ 300 ukuya kuma-500, kodwa amaxabiso axhomekeke kwipropati ethile. Iipropati ezizodwa, izindlu ezinkulu, kunye neendawo ezikude zibiza ngeyona nto ixabisa ngakumbi. Ngaphandle kokuvavanya i-appraisal eyamkelekileyo, awukwazi ukuboleka imali yokuthenga okanye ukuhlaziya ikhaya .

Iimali zokuhlaziywa kufuneka ziboniswe phambi kwakho kwiNgxowa- mboleko yakho okanye Ukholo olulungileyo, kodwa umyinge othe ngqo umrhumo onokungaziwa xa uqikelelo lwenziwa.

Udla ukuhlawula loo ntlawulo ngaphandle kwekhefu usebenzisa isheke okanye ikhadi lekhredithi, kodwa ngamanye amaxesha uhlawula ii-appraisals ekuvaleni.

Kutheni ababoleki befuna iimvavanyo

Ababoleki kufuneka bazi ukuba abanakukunika imali efanelekileyo. Bafuna ukuqinisekisa ukuba indlu iyafaneleka ngaphezu kokuba uboleka ukuze bakwazi ukufumana imali yabo ngaphandle kokuba kukho ukuhla kwexabiso lamanani asekhaya.

Isiqinisekiso sokubolekisa ngemali: Xa ufumana umboleko wemali mboleko, loo propati isebenza njengesibophelelo sembolekiso : Ukuba unqumle ukuhlawula, umboleki-mali angathatha ipropati, athengise, kwaye asebenzise ixabiso lokuthengisa ityala lakho. Ngamanye amagama, umboleko ugcinwe okanye uqinisekiswe yipropati oyithengayo. Uninzi lwabantu lukholelwa ukuba ukuqhaqhaqeka akuyi kubakho kubo, kwaye kuthemba ukuba akunjalo, kodwa uyavumelana nazo zonke ezi zivumelwano zakho zemali mboleko.

Ulwazi olungenakulungelelaniswa: Ababolekisi abahambeli ummandla kwaye bajonga izindlu kunye nawe, kwaye abayiziingcali kwiimakethe zendawo yangaphandle.

Abantu kunye nemibutho eboleka imali ingaba ngamawaka eekhilomitha kude, kwaye imali yakho mboleko ingathengiswa kuma-investors kuwo wonke umhlaba. Abasoze babone umgangatho wezinto okanye imeko yekhaya lakho kumntu, ngoko banokuqiniseka njani ukuba baya kubuyisa imali yabo? Ukufumanisa ukuba indlu yakho ibaluleke kangakanani, ababolekisi bafumana uvavanyo olusuka kubafundi abazimeleyo abangabandakanyekanga ngokomzwelo okanye abachaphazelekayo ngokwezimali.

Yintoni eyenza umntu owenza umsebenzi?

I-appraiser iqikelela ukuba ixabiso lekhaya lifanelekile. Ukuze ufikelele kuloo ngqikelelo, u-appraiser ufuna ukutyelela nokuphonononga ipropati. Kwiimeko ezininzi, i-appraisers ingena ngaphakathi kwindlu ukuze ibone imeko kunye nempawu zengaphakathi.

Abahloli kufuneka bathathe amanyathelo ukuqinisekisa ubungqina bendawo kunye nezinye iimpawu ngaphakathi naphandle. Umzekelo:

• Ingaba ikhitshi okanye indlu yokuhlambela ibuyiswe kwakhona? Kudala kangakanani, kwaye umsebenzi ukhangeleka ubuchwepheshe?
• Ziziphi izinto eziphantsi komhlaba, kwaye zihlala zihle?
• Ngaba kukho nayiphi na imicimbi yezempilo okanye yokhuseleko? I-appraisal ayifani ngokugqithiseleyo njengokuhlola.

Ukuthelekiswa: Abahloli baqhathanisa ikhaya nakwamanye amakhaya kuloo ndawo. Ukuze benze njalo, bavavanya ukuthengisa kwangoku kunye neempawu zala makhaya afana nomgca wendawo egciniweyo, inani lamagumbi okulala kunye neendawo zokuhlamba, indawo kunye nokunye. Kodwa abahloli be-appraisers abavumi ukutyelela ngaphakathi ngaphakathi kwabo "makhaya".

I-appraisal report: Emva kokutyelela iipropati, u-appraiser udala ingxelo echaza indawo ekhutshwe kuyo, kuquka ixabiso lexabiso lemarike elichongiweyo kunye nepropati ezifaniswayo. Unelungelo lokufumana ikopi yaloo ngxelo, kwaye yinto efanelekileyo yokufunda ngxelo kwaye ulondoloze ikopi.

Akukho vavanyo: I-appraisal inceda umnini-mboleko wakho ukuba aqonde ixabiso lemarike yepropati. Ukuze uthole iinkcukacha ezongezelelweyo malunga nemeko yepropati, uya kufuna ukuhlolwa, okuyiyo yonke inzuzo yakho. Ungalindeli ukuba u-appraiser akhonise yonke i-defect okanye angene kwi-crawlspace ukukhangela imiba-umhloli kufuneka enze ukuhlaziywa ngokugqithiseleyo kwipropati.

Uvavanyo oluphantsi

I-appraisal ifuna ukufika ephakamileyo ngokwaneleyo ukulungiselela imboleko oyifumanayo. Kwiimeko ezininzi, loo xabiso kufuneka ihambelane nexabiso eliphantsi kwesivumelwano. Kwakhona, ababolekisi bafuna ukwazi ukuba kunokubaluleka okwaneleyo kwindlu ukubuyisela imali yabo, kunye nomlinganiselo we-80% wemali-mboleko yexabiso-mboleko kaninzi lukhokelo olukhuselekileyo.

Ukuba i-appraisal ifika ephantsi kakhulu, umboleko wakho ngokuqhelekileyo awuyi kuzuza njenge-. Ukuthenga loo ndlu, unokhetho oluninzi:

1. Fumana ilungiselelo elithile lokuboleka imali, ngokusebenzisa umboleko omncinci okanye umboleko ophezulu ukuxabisa ubungakanani.
2. Fumana enye i-appraisal eyenziwe kunye nethemba loqikelelo oluphezulu, kodwa ungalindele ukuba abahloli be-appraisers "bancede" ukuboleka imali.
3. Yenza inkokhelo enkulu ukuba wenze umehluko kwaye ugcine umboleko wakho kwimilinganiselo evumelekileyo yemali-mboleko.

Iimvavanyo eziphezulu: Ukuba indlu iyabalalisa ixabiso eliphakamileyo kunexabiso lokuthenga, ayikho ingxaki-ngaphandle kokuba uyithengisi kwaye ucela encinci. Naliphi na inani elongezelelweyo lilinganayo elongezelelweyo kwikhaya lakho . Nangona kunjalo, ii-appraisals ziza kufutshane nexabiso elivunyelweneyo lokuthenga.

Ukukhetha abahloli

Ngenxa yemali mboleko mboleko, umnini-mboleko wakho ukhetha umboneleli we-appraisal, ngoko ke intlawulo yee-intraisal ixhomekeke kunokuba ngubani owenzelayo umboleki. Ngokuqhelekileyo awukwazi ukuyithenga ngeenxa yokuhlawula imali.

Ngaphambi kweengxaki zemboleko , abanye abahlalutyi babetyholwa ngokunyusa amaxabiso emakhaya ukuze bancedise imali-mboleko. Abathengi bempahla kunye nabathente beempahla bangabakhokelela ekukhetheni abahlalutyi ababuyisayo iimpendulo abazifunayo-kungekhona izimpendulo ezichanileyo. Ukususela ngoko, abahloli bee-appraisers bazimeleyo ngakumbi, kwaye abanqweneli ukunceda amaqhinga angene.

Unokuqesha umqashi wakho, nokuba uthengisa okanye uthengisa. Unokufumana ulwazi oluxabisekileyo, kodwa i-appraisal cishe ayinakusetyenziswa njengenxalenye yenkqubo yokuvunyelwa kwemboleko.