Umbuzo: Ziziphi iinzuzo zokuhlawula imali kwikhaya?
Umfundi uyabuza: "Ngaba yinyani ukuba imali iyinkosi? Asiyikuziqhayisa okanye nantoni na, kodwa mna nomfazi wam siye sigcina imali eyaneleyo yokuhlawula yonke imali ngemali. Siyazi ukuba sinokufumana izinga elihle lokubuyela kwiimarike zamasheya, kodwa ngamanani ngendlela abahlala ngayo eLos Angeles, sikholelwa ukuba umthengisi angasinika ikhefu kwixabiso xa sihlawula imali. Ziziphi iinzuzo zokuhlawula imali ngemali? "
Impendulo: Kuhle ukuba ubeke eceleni imali yokuthenga indlu . Abambalwa kakhulu abathengi baqeqeshwe ngokwaneleyo ukugcina ngokwaneleyo ukuhlawula imali ngemali, ubuncinane indlu yaseCalifornia. Amanani ayingcali yeenkwenkwezi apha xa kuthelekiswa namanye amazwe.
Ngokuxhomekeka kumashishini okushisa , ukuhlawula imali kunenzuzo evela kumbono womthengisi. Ngoku, ezinye iingcali zingathi zihlala zihlawulela ekupheleni, kwaye kunjalo. Kodwa ukufikelela "ekupheleni" kuthintela abathengi abasebenzisa imali ukufika apho.
Izizathu zokuba abathengisi bafana nazo zonke iiCash Offers
Abathengisi baya kufumana i- offer -cash offer offer phezu kwesipho esiphezulu sexabiso kunye neengxowa-mali eziqhelekileyo okanye ze- FHA mboleko . Kungenxa yokuba bayazi ukuba isibonelelo semali sikwazi ukuvala. Kuquka izinto ezimbalwa ezikhubekiso. Kwaye maxa wambi intaka esesandleni sinokubaluleka ezimbini kwihlathi, oko kuthetha.
Qinisekisa xa uthumela isibonelelo osithumelayo kunye nobungqina bemali kunye nesibonelelo.
Yinto enye ukuthetha ukuba unayo imali yokuvala kunye nokunye ukubonelela ubungqina. Yenza isibonelelo sakho sibe namandla ngakumbi.
- Akukho vavanyo yoQeqesho.
Iimvavanyo zifana. . . Hayi, andiyi kuphinda ndiphinde ndibuye ndibuye ndibuye ndibuye ndibuye ndibuye ndiphinde ndiphinde ndiphinde ndiphinde ndiphinde ndiphinde ndiphinde ndiphinde ndiphinde ndiphinde ndibuye ndibuye ndibuye ndibuye ndibuye ndibuye ndibuye ndize ndibuye ndibuye ndize ndibuyele. Iimvavanyo azifaki ngegolide. Indlela eqhelekileyo yokuxhomekeka kuthengiswa kwintengiso , eyaziwa njengendlela yokuthelekisa, equka ukukhetha iipropati ezi-3 ukuya kwezi-6 kunye nokuthelekisa ezo zixabiso kwipropati ekubhekiselele kuyo, ukulungelelanisa phezulu okanye kwehla ukulungiselela izibuyekezo / izinto ezingekhoyo.
Ukuba ikhaya alingazixabiseli intengo yokuthenga kwaye umthengi ufumana umboleko ofuna i-20% phantsi kwentlawulo okanye ngaphantsi, umnini-mboleko akayi kuboleka ngaphandle kokuba umthengi ekhwehlela ngaphezulu imali okanye umthengisi uyaphupha ixabiso. Kukho ezinye iindlela zokujongana nophononongo oluphantsi , kodwa banokuphelisa ukukhishwa kwekhontrakthi .
- Akukho mfuneko yokuxhaswa kwemali .
Nangona umthengi angafaneleke ngokugcwele ukuthenga ikhaya ekuqaleni, izinto ezilikhulu ziyakhula ngexesha lokubolekwa kwemboleko. Ngaphandle kwekhaya ngokwalo alifanelekanga, kwiimimiselo zokuvunyelwa kwemboleko ukuba umthengi akakwazi ukuhlangabezana nazo, ukubolekwa kwemali mboleko eyake ikhona ukuma ngexesha lokunyuka.
Ngokuqhelekileyo, ababolekisi banqabela ukuboleka imali ngenxa yokuba iziqinisekiso zabathengi ziguqulwa xa zihlolisiswa. Mhlawumbi umthengi akaqeshwanga ngokugcwele kwimisebenzi emibini kwiminyaka emibini edlulileyo, mhlawumbi imeko zezemali zaguqulwa ngaphambi kokuvalwa njengoko umthengi uthengisa imoto entsha okanye embi, mhlawumbi umthengi wayengazi kakuhle ixhoba lobusela besazi .
- Ngokukhawuleza Ukuvala.
Umthengi akadingi iintsuku ezingama-30 okanye ezingama-45 ukuvala ukuba umthengi akafumani mboleko. Xa ukuhlolwa kwekhaya kunye nezinye iziganeko zanelisekile okanye zikhutshiwe, ukuvala kungenziwa kwiintsuku ezisixhenxe, ukubonelela ukuba umthengi uzimisele ukutyikitya ukukhishwa kwepeyinti ekhokelayo .
Ukuvala ngokukhawuleza kufaka imali kwipokethi yomdayisi ngokukhawuleza. Kukho nezinto ezimbalwa ezingakwazi ukungahambi kakuhle ngexesha elifutshane lokulinda .
Iinzuzo kubathengi ukuhlawula imali kwiKhaya
Xa abathengi be- REO baninzi ukukhutshwa kwezikhundla zabo, ngamanye amaxesha umboleki uya kunciphisa uluhlu lwexabiso lekhaya ngethemba lokuba ipropati iya kutsala izibonelelo ezininzi .
Abathengi abahlawula imali ngemali ye- REO bavame ukuzuza amanqaku amaninzi . Kodwa kukho ezinye iintlobo zabathengi ngaphezu kwexabiso kuphela:
- Akukho ntlawulo ye mboleko
- Ukhuseleko lwenkonzo
- Ukulingana okukhoyo xa kwenzeka kwimeko engxamisekileyo yezemali
- Ukuguquka kweeMveliso akukho nto
- Akukho mithintelo ekudlulisweni kwetyala ngenxa yokubolekwa kwemali mboleko
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.