Kusho Ukuthini 'Ukulinda'? I-Realtor Ichaza Imibandela Eyishumi Ehambela Abathengi Basekhaya Kakhulu

Amagama Amahle Kakhulu Ezingane

Phansi:

Usuku Lokuzalwa:

Thuma

Ngithumele Nge-Imeyili Khombisa Esizeni

Ngaphandle uma ungumthengisi wezindlu onelayisensi, kungenzeka ukuthi uke wamamatheka ungenalutho futhi wavuma ngekhanda igama ongaliqondi ngenkathi uzingela indlu (noma ubuka Ukuthengisa Ukushona kwelanga ), kuphela ukuvula ifoni yakho ne-Google ngobuhlakani Kusho ukuthini okulindile? Noma Yini i-escrow?

Siyabonga, leyo miphumela yosesho ayisekho, eh, okulindile (C'mon, isignali yamabala!), sibonga i-Realtor Jessica Lingscheit kwe Iqembu Ngolunye usuku . Qhubeka ufunde ukuze uthole imigomo ephezulu yezindlu nezindlu athi kufanele wazi ukuze wenze ukuthenga kwekhaya lakho lamaphupho kube lula kakhulu, ikakhulukazi uma ungumuntu oqalayo ukuthenga ikhaya.

OKUPHATHELENE: Amagama angu-4 Abenzeli Bezindlu Ezithengiswayo Abazonda Ukubona Kuhlu (& 5 Bacabanga Ukuthi Kufanele Usebenzise Kaningi)

Kusho ukuthini ukulinda?

Uma ukunikezwa kwekhaya kwamukelwe futhi manje kungaphansi kwenkontileka, kufakwa ohlwini njengokulindile. Ngamanye amazwi, i-Lingscheit iyabelana, uma ikhaya lilindile linenkontileka esebenzayo kulo, futhi lisezinhlelweni zokudayiswa kodwa hhayi sezithengisiwe. Umbono oyiphutha lapha? Ngenxa yokuthi ikhaya alinalo uphawu oluthengisiwe ngaphandle akusho ukuthi lisatholakala noma livuliwe ukuze libukwe. Kunalokho, ukulinda kusho inqubo yokuthola lolo phawu oluthengisiwe, futhi kungathatha inyanga (noma ngaphezulu) ukufika lapho. Uzovame ukukubona ohlwini lwezindlu ezithengiswayo—ikakhulukazi manje, njengoba imakethe ishisa kakhulu—kodwa amasayithi amaningi, njenge-Trulia ne-Zillow, akuvumela ukuthi uhlunge amakhaya abhalwe njengesalindile uma ungafuni ukukhulisa amathemba akho. .

Ithiphu ye-Realtor: Uma unentshisekelo ngendlu elisalindile, ungabuza i-ejenti yakho yezindlu uma ukwazi ukubeka inkontileka yesipele endaweni, ukuze uma, nganoma yisiphi isizathu, inkontileka yokuqala iwela, yiba olandelayo ukuyiqoqa ngaphambi kokuthi ifakwe ohlwini njengesebenzayo emakethe.

9 Eminye Imibandela Yezindlu Nezindlu Wonke Umthengi Wezindlu Okufanele Ayazi

1. Ukulinganisa

2. Ukuvala

Isinyathelo sokugcina senqubo yokuthenga nokuthengisa ikhaya lapho umthengi esayina wonke amadokhumenti. Ngokushesha nje lapho isivumelwano semali, okusho ukuthi izinkokhelo ezivela kumboleki kanye nomthengi zenziwa, umninikhaya omusha angathola okhiye besakhiwo.

3. Izindleko zokuvala

Lezi yizo zonke izinkokhelo nezindleko okudingeka uzibonise lapho uvala usulungele ukukhokha, ngale kwenkokhelo ephansi (ngaphezulu kwalokho ngezansi). I-Somerday Realtor ithi lezi zingasukela noma yikuphi kusukela kuzintela zezakhiwo kanye nezindleko ze-Home Owners Association (HOA) kuya ezinkokhelweni zetayitela kanye nomshwalense wekhaya.

Ithiphu ye-Realtor: Buza umthengisi wakho noma umbolekisi wakho ukuthi izimali zakho zokuvala zingabukeka kanjani ngaphambili ukuze uthole umqondo wezindleko. (Lindela ukuchitha noma yikuphi ukusuka 2 kuya ku-5 amaphesenti wezindleko zendlu yakho ngezindleko zokuvala.)

4. Inkokhelo Ephansi

Uma uboleka imali ukuze uthenge ikhaya lakho, ibhange lakho ngokuvamile lizodinga inkokhelo ephansi, noma iphesenti lezindleko zekhaya ngaphambili. Ukukhokha phansi okungamaphesenti angu-20 kuvame ukutuswa, ukuze nje ukwazi ukuvikela inani elingcono kakhulu lemali ebolekiwe futhi ugweme ukukhokha umshwalense wezindlu. Kodwa-ke, kuya ngohlobo lwemali mboleko onayo, ungase ungadingi inkokhelo ephansi (ithi, uma uyilungu lezempi noma umakadebona ofaka isicelo semali mboleko ye-VA) noma ubuncane bakho bungaba njenge ngaphansi ngamaphesenti ama-3 kuya ku-3.5 . Kubalulekile ukukhumbula ukuthi inkokhelo ephansi iyingxenye yezindleko zokuvala, uJessica uyaphawula.

5. Idiphozithi ye-Escrow

Lena idiphozithi yokuqala ebekwe endaweni ezogcina isetshenziswe etafuleni lokuvala.

6. I-HOA (Inhlangano Yabanikazi Bezindlu)

Inhlangano ezimele ephethe umphakathi (ama-condominiums, amadolobhana, amakhaya omndeni owodwa, njll.) evamise ukudinga izinkokhelo zanyanga zonke, eziphakathi konyaka noma zonyaka. Ngokuvamile zihlanganisa imithetho ethile enganquma izinto ezinjengokuthi ungakwazi yini uku-Airbnb ikhaya lakho noma ukuthi yimiphi imibala eyamukelekayo ukuze kupende ingaphandle lendlu yakho.

Ithiphu ye-Realtor: Buyekeza lonke ulwazi mayelana ne-HOA ngaphambi kokufaka isithembiso sokuqinisekisa ukuthi uyazi yonke imithetho, imithethonqubo kanye nezimali ezikhokhwayo eziza nokuhlala kulowo mphakathi othile.

7. Isikhathi Sokuhlola

Lesi yisikhathi sokuzikhethela lapho ikhaya libuyekezwa, kusukela ekufakweni kwamapayipi kuya eminyakeni nesimo sophahla, ngumhloli wekhaya. Empeleni, umhloli ubheka noma yiziphi izinkinga ezingase zithinte inani lekhaya (kanye nokulungiswa okuzodingeka ukwenze phansi komgwaqo). Kuyizindleko ezengeziwe engxenyeni yabathengi bezindlu—imvamisa engu-0 kuya ku-0—kodwa kuyafaneleka. Uma unikezwa isikhathi sokuhlola indawo, sisebenzise ngokugcwele, kugcizelela uJessica. Ngisho noma ikhaya liyikhaya elisha lokwakha, ngincoma ukuthi uthole ukuhlolwa kwekhaya. Lokhu kungakongela ubuhlungu bekhanda emgwaqeni. Uma umhloli ethola izinkinga ezinkulu ngendlu, ningaxoxisana ngentengo, ucele umdayisi ukuthi enze lokhu kulungisa ngaphambi kokuvala noma ukhethe ukuhamba kude nedili.

Ithiphu ye-Realtor: Buza i-ejenti yakho mayelana nesikhathi sokuhlolwa ngaphambi kokungena ngaphansi kwenkontileka, bese uthola umhloli ophelele endaweni yangakini ongakunikeza umbiko ogcwele ochaza noma yikuphi ukukhubazeka noma izinkinga zesondlo.

8. Ukugunyazwa Ngaphambili

Uma uhlela ukuthatha imali ebolekwayo ukuze uthenge indlu, uzofuna ukugunyazwa kusengaphambili kumbolekisi wakho. Lena incwadi eshoyo ukuthi umbolekisi ubuyekeze imali engenayo kanye nempahla yakho futhi wagunyaza ukuthi bazokuboleka inani lemali elimisiwe. Uma uyobeka isithembiso endlini, umdayisi uzofuna ukukubona lokhu ukuze aqinisekise ukuthi unayo imali yokuthenga ikhaya. (Ngaphambi kokuthi uqale ukucinga ngokujulile amakhaya, kuhle ukuthola umbolekisi futhi uthole le ncwadi. Zilungiselele ukugcwalisa isicelo, unikeze izitatimende zeholo noma ukhokhe, futhi uthole isikweletu sakho njengengxenye yenqubo yokugunyazwa ngaphambilini.)

9. Umdayisi

Umthengisi wezindlu ongaphansi kwenhlangano endaweni futhi kudingeka ukuthi akhokhe imali ekhokhwa minyaka yonke futhi athathe amakilasi nokuqeqeshwa okuthile. Bonke abanikazi bezindlu bangabenzeli bezindlu kodwa akubona bonke abadayisi bezindlu abangabanikazi bezindlu, uveza uJessica, enezela, Lapho ngisuka khona, abadayisi bayakwazi ukufinyelela kumabhokisi okukhiya e-electronic, kuyilapho umuntu ongeyona ingxenye yenhlangano engase angakwazi ukufinyelela kuwo. lemizi.

OKUPHATHELENE: Amaphutha Ama-3 Amakhulu Kakhulu Abathengi Basekhaya Abawenza Khona Manje

Ukukhetha kwethu Kokuhlobisa Ikhaya:

I-Horoscope Yakho Yakusasa

Ukwazi

Ngithumele Nge-Imeyili Khombisa Esizeni