Kuthetha ukuthini 'Ukulinda'? I-Realtor ichaza iMiqathango eli-10 eQeqesha kakhulu abathengi basekhaya

Amagama Aphezulu Ebantwaneni

Umgangatho:

Umhla Wokuzalwa:

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Ndithumele Nge-Imeyile Veza Kwindawo

Ngaphandle kokuba unelayisensi yokuthengisa izindlu, mhlawumbi uncume ungenanto kwaye wanqwala ngegama ongaliqondiyo ngelixa uzingela (okanye ubukele Ukuthengisa ukutshona kwelanga ), kuphela ukujika ngobuchule kwifowuni yakho kunye noGoogle Kuthetha ukuthini ukulinda? Okanye Yintoni i-escrow?

Ngombulelo, ezo ziphumo zokukhangela azisekho, uh, ilindile (C'mon, umqondiso ocacileyo!), enkosi kuRealtor UJessica Lingscheit ye Ngelinye Iqela . Funda ngemigaqo ephezulu yezindlu nomhlaba athi kufuneka uyazi ukwenza ukuthenga ikhaya lamaphupha akho kube lula kakhulu, ngakumbi ukuba ungumthengi wokuqala.

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Kuthetha ukuthini ukulinda?

Xa isithembiso kwikhaya samkelwe kwaye ngoku siphantsi kwekhontrakthi, idweliswe njengelindileyo. Ngamanye amazwi, izabelo zikaLingscheit, ukuba ikhaya lisalindile linesivumelwano esisebenzayo kulo, kwaye likwinkqubo yokuthengiswa kodwa linayo. hayi sele ithengisiwe. Ukungaqondi kakuhle apha? Kungenxa yokuba ikhaya lingenalo uphawu oluthengisiweyo ngaphandle akuthethi ukuba lusafumaneka okanye luvulekele ukujongwa. Endaweni yoko, ukulinda kuthetha inkqubo yokufumana olo phawu oluThengisiweyo luyaqhubeka, kwaye kungathatha ukuya kwinyanga (okanye ngaphezulu) ukufika apho. Uya kuyibona rhoqo kuluhlu lwezindlu nomhlaba-ingakumbi ngoku, kunye nemarike ishushu kakhulu-kodwa iindawo ezininzi, njengeTrulia kunye neZillow, zikuvumela ukuba ucofe amakhaya adweliswe njengelindileyo ukuba awufuni ukufumana ithemba lakho. .

Ingcebiso kumthengisi: Ukuba unomdla kwikhaya elilindileyo, unokucela i-arhente yakho yendawo yokuhlala ukuba unako ukubeka ikhontrakthi yokubuyisela kwipropati, ukuze ukuba, ngenxa yaso nasiphi na isizathu, isivumelwano sokuqala siwela, uya yiba ngolandelayo ukuyichola phambi kokuba ibalwe njengesebenzayo kwimarike.

9 Eminye iMigaqo yeReal Estate Wonke uMthengi wezindlu kufuneka azi

1. Uvandlakanyo

2. Ukuvala

Inyathelo lokugqibela kwinkqubo yokuthenga nokuthengisa ikhaya apho umthengi asayine onke amaxwebhu. Ngokukhawuleza ukuba imali ye-deal, ithetha ukuba iintlawulo ezivela kumbolekisi kunye nomthengi zenziwe, umninimzi omtsha unokufumana izitshixo zepropati.

3. Iindleko zokuvala

Ezi zizo zonke iintlawulo kunye neendleko ozifunayo ukuba ubonise xa uvala ukulungele ukuhlawula, ngaphaya kwentlawulo ephantsi (ngaphezulu koku kungezantsi). I-Somerday Realtor ithi ezi zinokuqala naphi na ukusuka kwiirhafu zepropathi kunye ne-Home Owners Association (HOA) ehlawulwa kwimirhumo yetayitile kunye ne-inshurensi yekhaya.

Ingcebiso kumthengisi: Buza umthengisi wakho okanye umbolekisi wakho ukuba imirhumo yakho yokuvala inokubonakala njani ngaphambili ukuze ufumane ingqiqo yeendleko. (Lindela ukuchitha naphi na ukusuka 2 ukuya kwisi-5 ekhulwini yeendleko zendlu yakho kwiindleko zokuvala.)

4. Intlawulo ephantsi

Ukuba uboleka imali ukuze uthenge ikhaya lakho, ibhanki yakho iya kufuna intlawulo ephantsi, okanye ipesenti yeendleko zekhaya ngaphambili. I-20 yepesenti yentlawulo ehlawulweyo ihlala icetyiswa, ukuze ukwazi ukukhusela elona xabiso lihle lokuboleka imali kwaye uphephe ukuhlawula i-inshurensi yokubambisa. Nangona kunjalo, kuxhomekeke kuhlobo lwemali mboleko onayo, unokungadingi ntlawulo iphantsi (yithi, ukuba ulilungu lomkhosi okanye igqala elifaka isicelo semali mboleko ye-VA) okanye ubuncinci bakho bunokuba njenge. ephantsi njenge-3 ukuya kwi-3.5 ekhulwini . Kubalulekile ukukhumbula ukuba intlawulo ephantsi kuphela inxalenye yeendleko zokuvala, uJessica uthi.

5. Idiphozithi ye-Escrow

Le yidiphozithi yokuqala ebekwe kwipropati eya kuthi ekugqibeleni isetyenziswe kwitafile yokuvala.

6. I-HOA (uMbutho wabanini zindlu)

Umbutho wabucala olawula uluntu (izindlu zezindlu, izindlu zasedolophini, amakhaya anosapho olunye, njl.njl.) osoloko efuna intlawulo yenyanga, isiqingatha sonyaka okanye ngonyaka. Badla ngokuquka imigaqo ethile enokumisela izinto ezifana nokuba unako na uku-Airbnb kwikhaya lakho okanye nokuba yeyiphi imibala eyamkelekileyo yokupeyinta umphandle wendlu yakho.

Ingcebiso kumthengisi: Phonononga lonke ulwazi malunga ne-HOA ngaphambi kokubeka isithembiso sokuqinisekisa ukuba uyayazi yonke imithetho, imimiselo kunye neefizi eziza nokuhlala kuluntu oluthile.

7. Ixesha lokuHlola

Eli lixesha lokuzikhethela apho ikhaya liphononongwa, ukusuka kwimibhobho yamanzi ukuya kwiminyaka kunye nemeko yophahla, ngumhloli wekhaya. Ngokusisiseko, umhloli ujonge nayiphi na imiba enokuchaphazela ixabiso lekhaya (kunye nokulungiswa okuya kufuneka ukwenze phantsi kwendlela). Yindleko eyongezelelweyo kwinxalenye yabathengi bezindlu-ngokuqhelekileyo i-$ 300 ukuya kwi-$ 500-kodwa ifanelekile. Ukuba unikwe ixesha lokuhlola ipropati, lisebenzise ngokupheleleyo, uJessica ugxininisa. Nokuba ikhaya likhaya elitsha lolwakhiwo, ndincoma ukuba kuhlolwe ikhaya. Oku kunokukugcina intloko ebuhlungu apha endleleni. Ukuba umhloli ufumana imiba emikhulu kunye nendlu, unokuxoxisana ngexabiso, ucele umthengisi ukuba enze olu lungiso ngaphambi kokuvala okanye ukhethe ukuhamba kude nesivumelwano.

Ingcebiso kumthengisi: Buza i-arhente yakho malunga nexesha lokuhlola phambi kokuba ungene phantsi kwesivumelwano, emva koko ufumane umhloli ocokisekileyo kwindawo yakho oya kukunika ingxelo epheleleyo echaza naziphi na iziphene zekhaya okanye imiba yesondlo.

8. Ukuvunywa kwangaphambili

Ukuba uceba ukuthatha imali-mboleko yokuthenga indlu, uya kufuna ukufumana imvume yangaphambili evela kumbolekisi wakho. Le yileta echaza ukuba umbolekisi uwuqwalasele umvuzo wakho kunye nempahla yakho kwaye wavuma ukuba bayakuboleka isixa semali. Xa usiya kubeka isithembiso kwindlu, umthengisi uya kufuna ukubona oku ukuze aqinisekise ukuba unayo imali yokuthenga ikhaya. (Phambi kokuba uqalise ngokuzimisela ukukhangela amakhaya, kuhle ukuba ufumane umntu obolekisa ngemali uze ufumane le leta. Zilungiselele ukugcwalisa isicelo, unike ingxelo yengeniso okanye ubhatale, kwaye utsale ityala lakho njengenxalenye yenkqubo yokuvunywa kwangaphambili.)

9. Umthengisi

Umthengisi wezindlu osebenza kumbutho kwindawo kwaye kufuneka ahlawule iintlawulo zonyaka kwaye athathe iiklasi ezithile kunye noqeqesho. Bonke abathengisi bezindlu ngabathengisi bezindlu kodwa ayingabo bonke abarhwebi abathengisa izindlu nezindlu, uchaza uJessica, esongezelela ngelithi, Apho ndisuka khona, abathengisi bezindlu bayakwazi ukufikelela kwiibhokisi zokutshixa ze-elektroniki, ngoxa umntu ongekho kumbutho esenokungakwazi ukufikelela. la makhaya.

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