Amakhaya adliwe, ayini futhi angathengwa kanjani? Thenga indawo ku- ukucwiliswa kungaba njalo ibhizinisi elihle , uma ukwazi ukubhekana nanoma yiziphi izingozi. Qiniseka ukuthi ikhaya lakho liyahlolwa bese uthola ukuthi amanye amakhaya akuleyo ndawo asebenzisa malini. Ngaleyo ndlela, ngeke ugcine ukhokha ngaphezulu kunalokho okufanele ukwenze.
Ukudliwa komhlaba yikhaya elidliwayo futhi liyathengiswa yibhange elinikeze umnikazi wangempela imalimboleko. Uma ubona indlu ibhalwe ukuthi idliwe, kusho ukuthi iphethwe yibhange. Yonke inkontileka yemali mboleko ine-lien endaweni yakho. I-lien ivumela ibhange ukuthi liphathe impahla yakho uma uyeka ukukhokha imali yakho yokubambisa ngempahla .
Nazi ezinye zezizathu ezivame kakhulu zokuvalwa kwangaphambili:
- Isikweletu esingenakunqotshwa sezikweletu noma sekhadi lesikweletu esivimbela umninikhaya ukuthi akhokhe
- Ukuqothuka okudinga ukuqedwa
- Ukuphelelwa ngumsebenzi noma ukuhanjiswa
- Ukwehla okukhulu kwamanani ezindlu
- Izinkinga zesondlo ezibiza kakhulu ukuzilungisa nokwenza ikhaya lingahlali
Ukuthenga ikhaya elidliwe kuhluke kancane kunokuthenga impahla ejwayelekile kumninindlu. Ukudilizwa okuningi kuthengiswa njengoba kunjalo, okusho ukuthi awukwazi ukuxoxisana nebhange ukuze likulungisele.
Izinzuzo zokuthenga ikhaya elidliwayo
Kunezinzuzo ezithile zokuthenga ikhaya elidliwe:
Amanani aphansi:
Inzuzo engenakuphikwa ukuthi cishe ngaso sonke isikhathi babiza imali encane kuneminye imizi esendaweni. Lokhu kungenxa yokuthi amanani entengo kumbolekisi, ongenza inzuzo kuphela uma kuthengiswa ikhaya.
Ukukhathazeka kwesihloko okuncane:
Ukuthenga ikhaya kumnikazi kusho ukuthi awukwazi ukuthola itayitela elihlanzekile, okuyilungelo elisemthethweni lokuba nempahla. Umnikazi wayengaba nentela emuva noma izibambiso endlini ezazingamphoqa ukuthi akhansele ukuthengisa. Uma uthenga ikhaya elidliwe, awudingi ukukhathazeka ngezinkinga zamatayitela ngoba isihloko sisuswa yibhange.
Ukulungiselelwa Okujwayelekile Kwemalimboleko:
Kungadingeka ukuthi udlule kwinqubo ehlukile yokubhida nokuthenga lapho uthengela ukuvinjelwa, kepha usenezinketho ezimbalwa zemalimboleko. Ungathola imalimboleko ye-VA, imalimboleko ye-FHA, noma imalimboleko ye-USDA ukuyithenga, inqobo nje uma indlu oyicabangayo isesimweni sokuhlala. Lezi mboleko ezisekelwa nguhulumeni zingenza ubunikazi bezindlu butholakale kalula.
Okungenzeka kuvuselelwe:
Ezimweni eziningi, amabhange awafuni ukulungisa nokulungisa ngaphambi kokuthengisa indawo. Kodwa-ke, awukho umthetho othi ibhange alikwazi ukubhekana nokulungiswa kwakho. Uma uhlangabezana nekhaya ebelisemakethe isikhathi eside, ungahle ukwazi ukukholisa ibhange ukuthi lilungise ngaphambi kokungena kulo.
Ububi bokuthenga ikhaya elidliwe
Ukuthenga ikhaya elidliwe kuyingozi kunokuthenga ikhaya elinabanikazi. Ezinye zezingqinamba zokuthenga impahla edliwe zifaka:
Ukukhathazeka okwandisiwe kwesondlo:
Abanini bemizi abanaso isisusa sokugcina isimo sekhaya uma bazi ukuthi bazolahlekelwa yimpahla yabo ukuze badliwe. Uma kuphuka okuthile, umninindlu ngeke asebenzise imali ukuyilungisa, futhi inkinga ingase ibe yimbi ngokuhamba kwesikhathi. Abanikazi bezindlu bangabhidliza impahla ngamabomu. Unesibopho sokulungisa noma yiziphi izinkinga ikhaya elingaba nazo lapho uthenga ikhaya elidliwe.
Njengokungathi kuthengisiwe:
Okukhathaza kakhulu ibhange ukubuyisa imali yakho ngokushesha okukhulu, okusho ukuthengiswa njengoba kwenzeka cishe kuzo zonke izimo. Akufanele uthenge ikhaya elidliwe uma ungenayo imali enkulu ongayitshala ekulungisweni.
Izindali:
Ibhange lingahle lithathe isinqumo sokuthi isenzo esizedlula zonke ukuthengisa ikhaya endalini yesherifu. Kuleso simo, kungadingeka ukuthi ukhokhe inani eligcwele lokugcina lesithembiso ngaphambi kokulawula itayitela. Imvamisa, awukwazi ukuthola imali mboleko yekhaya elithengwe endalini ngoba ukubhala phansi kanye nokuhlola kuthatha isikhathi eside kakhulu.
Isikhathi sokuhlengwa:
Ukuthi ikhaya limakwe njengokuvinjelwe kusayithi lokufakwa ohlwini lwezindlu akusho ukuthi lelo khaya lizothengiswa. Cishe zonke izifundazwe zinikeza abaninikhaya isikhathi sokulondoloza lapho bengabuyisa khona amakhaya abo ngokubamba izikweletu zabo. Kwezinye izifundazwe, abaninikhaya bangaba nezinyanga ezifika kwezili-12 ukubuyisa ukulawula impahla yabo.
Umhlali njengamanje unamalungelo:
Ikhaya lingathathwa ngokomthetho, kepha lokho akusho ukuthi akekho ohlala kuleyo ndawo. Amakhaya amaningi adliwe ahlala angahlali muntu izinyanga noma iminyaka, okungaheha abahlali. Uma uthenga indawo enomuntu ongekho emthethweni ohlala kuyo, kufanele ubakhiphe ngokusemthethweni, noma ngabe lowo muntu noma abantu okukhulunywa ngabo abanalo ilungelo lokungena ekhaya. Lokhu kungathatha izinyanga futhi kubize izinkulungwane zamaRandi ngemali yabameli.
Ungalithenga kanjani ikhaya ekuchithweni
Ngabe Ucabanga Ukuthi Ukudliwa Kwembumbulu Kukufanele? Nazi izinyathelo ongazithatha ukuthenga ikhaya ekudalweni kwempahla:
Isinyathelo 1: Nquma ukuthi ngubani ozothenga le mpahla.
Kunezindlela ezintathu zokuthenga ikhaya ngokudliwa kwempahla: kumnikazi, ebhange, noma endalini.
Thenga kumnikazi
Ngokobuchwepheshe, awuthengi ikhaya kumninikhaya onempahla yakhe idliwe. Okuvame ukwenzeka kuleso simo ukuthi ukudayiswa okufishane kuzokwenzeka. Ukuthengisa okufushane kwenzeka lapho umnikazi ethengisa ikhaya ngemali engaphansi kwaleyo ayikweletayo ekubanjisweni kwempahla. Uma uthenga indlu edliwe yibhange, ibhange (hhayi umnikazi) kumele livume ukunikezwa kwakho. Ungachitha isikhathi eside ulinde ukuvunywa.
Thenga ebhange
Weqa ukusebenza nomninikhaya ngokuphelele lapho uthenga impahla ebhange. Ibhange ngokuvamile lisusa itayitela futhi lixoshe umnikazi wamanje ngaphambi kokuthenga impahla edliwe. Amabhange amaningi ngeke athengise ikhaya ngqo kumuntu oyedwa; Uzodinga ukukhuluma nomenzeli onolwazi wezindlu ukuze ubone ukuthi yiziphi izakhiwo ezitholakalayo. Lezi zindlu ngokuvamile zithengiswa njengoba zinjalo. Kodwa-ke, uzoba nethuba lokubuka ikhaya bese uyalela ukuhlolwa ngaphambi kokuvala.
Thenga endalini
Uzothola ikhaya ngokushesha endalini kunalokho ongakuthola uma uxoxisana nebhange noma nomthengisi. Kodwa-ke, izindali eziningi zamukela kuphela izinkokhelo zemali, okusho ukuthi kuzodingeka ube nenani elikhulu lemali elilungele ukuthengwa. Ngokuthenga endalini, nawe uyavuma ukuthenga ikhaya njengoba lingenakho ukuhlolwa noma ukuhlolwa. Lokhu kusho ukuthi usengozini enkulu uma uthenga ikhaya elidliwe endalini.
Kungumqondo omuhle ukunquma isimo sokudliwa kwekhaya ofuna ukulithenga noma ukuxhumana nomenzeli wezindlu ogxile ekuthengisweni kwempahla.
Isinyathelo 2: Sebenza nomenzeli wezezakhiwo ukwenza ukuthenga kube lula.
Amabhange amaningi anikezela izakhiwo ezidliwe kumthengisi wezezakhiwo (i-REO) osebenza nabenzeli abajwayelekile bezindlu ukuthola umthengi.
Akuwona wonke ama-real estate agents anolwazi lokusebenza nama-REO agents. Umenzeli onolwazi onolwazi angakusiza ukuthi uzulazule kwinqubo yokuthenga ye-REO yombuso wakho, uxoxisane ngentengo yakho, ucele ukuhlolwa, futhi unikele. Sesha abenzeli bezindawo ezisendaweni yakho bese uthola umenzeli ogxile ekuthengisweni kwempahla.
Isinyathelo 3: Thola ukuvunyelwa kwesibambiso sokukhokhela ukuthenga kwakho.
Ngaphandle kokuthi uthenge ikhaya endalini yokudalulwa, cishe uzothola isikweletu sokubambisa ngemali ukuthenga kwakho kwasekhaya. Lapho usuthole umenzeli futhi uqala ukufuna amakhaya, uzofuna thola ukuvunyelwa kwangaphambili kwemalimboleko . Ukuvunywa kwangaphambili kukukwazisa ukuthi ungathola malini kwimalimboleko yendlu. Khetha umbolekisi bese ucela ukuvunywa kwangaphambi kwesikhathi kwempahla ukuze unciphise usesho lwakho.
Isinyathelo 4: Yenza ukuhlolwa kwempahla nokuhlolwa.
Ukuhlolwa nokuhlolwa kubalulekile lapho kukhulunywa ngokuthenga isichitho. Ukuhlaziywa kuyimfuneko yombolekisi ekuvumela ukuthi wazi ukuthi impahla ibiza malini. Ababolekisi badinga ukuhlolwa ngaphambi kokunikeza imali mboleko yezindlu ngoba badinga ukwazi ukuthi abakubolekisi imali eningi kakhulu.
Ukuhlola ukubuka ngokujulile ekhaya. Uchwepheshe uzohamba azungeze indlu abhale noma yini edinga ukushintshwa noma ukulungiswa. Ngoba ukuvalwa kwempahla ngokuvamile kunomonakalo omkhulu kunamakhaya athengiswa ngumnikazi, kufanele uphikelele ekuhlolweni ngaphambi kokuthenga indlu edliwe.
Kwesinye isikhathi awunalo ithuba lokucela ukuhlolwa noma ukuhlolwa ngaphambi kokuthenga. Kufanele ucabange kuphela ukuthenga izakhiwo ezivinjelwe uma uthuthukile ekulungisweni kwekhaya.
Isinyathelo 5: Thenga ikhaya lakho elisha
Funda imiphumela yokuhlolwa kwakho nokuhlolwa kwakho bese unquma ukuthi ngabe ikhaya okukhulunywa ngalo likulungele ngempela yini nokuthi ingabe ulungile ngokuthenga ikhaya njengoba linjalo. Xhumana nombolekisi wakho wempahla ozoyibambisa ukuze uqedele ukuboleka imali yakho uma unemali noma amakhono okwenza ukulungiswa okudingekayo. Umthengisi wakho wezezakhiwo uzokusiza ukwethula okunikezwayo futhi akulungiselele ukuvala.
Ukuthatha ukhiye
- Ukudalulwa kwenzeka lapho umninikhaya ehluleka ukubambisa ngempahla yakhe futhi esesele ngemuva kwezinsuku eziyi-120 ebolekisiwe.
- Amabhange nezinhlangano zikahulumeni zifuna lezi zakhiwo bese zizithengisa ukuze zibuyise ukulahlekelwa kwazo kwezezimali.
- Ungathenga izakhiwo ezidliwe endalini noma ngqo emabhange nakuma-ejensi.
- Imvamisa kunzima kakhulu futhi kudla isikhathi ukuxoxisana ngokuthengwa kwempahla ngenxa yokubandakanyeka kwebhizinisi lenkampani, kepha kungenzeka ukhokhe kancane.
Imithombo ye-athikili
- Ihhovisi Lokuvikelwa Kwezimali Zabathengi. Kusebenza kanjani ukudiliza? , Kufinyelelwe ngo-Agasti 5, 2020.
- Ihhovisi Lokuvikelwa Kwezimali Zabathengi. Angikwazi ukukhokha imali yami yokubambisa. Kuzothatha Isikhathi Esingakanani Ngaphambi Kokubhekana Nokunqotshwa? , Kufinyelelwe ngo-Agasti 5, 2020.
- Isikhungo Sokuthenga Izindlu. Ungalithenga kanjani ikhaya ekuchithweni . Ukufinyelela kokugcina: Agasti 5, 2020.
- ISIKHUMBA. Izindlu zedola elilodwa . Ukufinyelela kokugcina: Agasti 5, 2020.
- U-Wells Fargo. Ukuthenga isichitho . Ukufinyelela kokugcina: Agasti 5, 2020.
Okuqukethwe
- Izinzuzo zokuthenga ikhaya elidliwayo
- Amanani aphansi:
- Ukukhathazeka kwesihloko okuncane:
- Ukulungiselelwa Okujwayelekile Kwemalimboleko:
- Okungenzeka kuvuselelwe:
- Ububi bokuthenga ikhaya elidliwe
- Ukukhathazeka okwandisiwe kwesondlo:
- Njengokungathi kuthengisiwe:
- Izindali:
- Isikhathi sokuhlengwa:
- Umhlali njengamanje unamalungelo:
- Ungalithenga kanjani ikhaya ekuchithweni
- Isinyathelo 1: Nquma ukuthi ngubani ozothenga le mpahla.
- Thenga kumnikazi
- Thenga ebhange
- Thenga endalini
- Isinyathelo 2: Sebenza nomenzeli wezezakhiwo ukwenza ukuthenga kube lula.
- Isinyathelo 3: Thola ukuvunyelwa kwesibambiso sokukhokhela ukuthenga kwakho.
- Isinyathelo 4: Yenza ukuhlolwa kwempahla nokuhlolwa.
- Isinyathelo 5: Thenga ikhaya lakho elisha
- Ukuthatha ukhiye
- Imithombo ye-athikili