Uma uzibuza ukuthi ulithenga kanjani ikhaya eFlorida , awuwedwa. Sithola impendulo kubantu abacabanga ukuthi bangathanda ukuthenga ikhaya, kodwa abaqiniseki ngempela ukuthi yini okudingeka bayenze ukuze bafanelekele ukubolekwa imali. Sinezeluleko ezithile zokuthenga ikhaya lakho eFlorida nokuthi yini okudingeka uyiqale. Nalu olunye ulwazi kuzisekelo.
Izidingo zokuthenga ikhaya eFlorida: isikweletu
Okufanelekile, kufanele ube nesikolo NGINGUYE 620 noma ngaphezulu . Kodwa-ke, kukhona abanye ababolekisi abangaqhubeka nokunikela ngempahla ebanjiswayo kubathengi abanamaphuzu aphansi njengawo 580 . Kuzoncika kwezinye izinto esimweni sakho sezezimali, kepha uma isikweletu sakho siqina, aba ngcono amathuba akho okuthola imali mboleko enhle.
Izinketho zokukhokha phansi eFlorida
Unezinketho eziningi maqondana nezinkokhelo eziphansi. Uma wena noma owakwakho nake nasebenza ku thina mabutho ., Ungahle ufanelekele ukuthola i- Uxhaso lwe-VA , lokho ayidingi ukukhokhelwa phansi . Kunezinye izinketho ezimbalwa zokuxhasa ngemali ezitholakalayo, kepha kuzoba nemihlahlandlela nezidingo eziqinile okufanele zilandelwe.
I- FHA ngumkhiqizo odumile wemalimboleko yomfelandawonye odinga ukukhokhelwa okungamaphesenti angu-3.5 phansi kwentengo yokuthenga. Ngemalimboleko ye-FHA, uthola inani eliphakeme futhi amanani emalimboleko kuya ezikweletini alungile kakhulu.
Ngemali ejwayelekile, ababolekisi bathanda ukubona ukukhokhelwa phansi okungenani amaphesenti angama-20. Kodwa-ke, kunemikhiqizo ejwayelekile yemalimboleko ekuvumela ukuthi ubeke kancane, ebangeni lamaphesenti amathathu kuye kwayi-15. Kulezi zimo, umbolekisi wakho wempahla obambise ngayo uvame ukudinga umshuwalense wokubolekwa kwempahla, okwengeza okuthe xaxa ekukhokhelweni kwakho kwenyanga kwempahla.
Ngokuvamile, izidingo zokuthenga ikhaya eFlorida zifaka:
- Inkontileka evumelekile
- Ukumelwa kochwepheshe bezezindlu.
- Ukuxhaswa ngezimali, kufaka phakathi nezindleko zokuvala.
Izinyathelo eziyi-7 zokuthenga ikhaya eFlorida
Lapho usujwayelene nemakethe yezindlu yaseFlorida, kufanele ulandele lezi zinyathelo ukuqinisekisa ukuthi yonke inqubo ibushelelezi futhi ayinayo inkinga.
1. Bandakanya i-Florida Real Estate Agent
Isinyathelo sokuqala uma kuziwa ekuthengeni ikhaya ukuqasha umenzeli wezezakhiwo waseFlorida. Umthengisi omkhulu wezezindlu uzothembeka, abe nolwazi oludingayo, futhi akumele ngempumelelo. Lokhu kuzokwenza inqubo ibe lula futhi kukusize uthole ikhaya elifanelana nempilo yakho.
2. Thola impahla
Lapho usuthole umenzeli wakho wezindlu, ungasebenza nabo ukuthola impahla efanele wena nomndeni wakho. Kunethuba elihle lokuthi umenzeli wakho wezezindlu uyakwazi ukufinyelela Insizakalo Yokuhlunga Eningi. Ngaphambi kokwenza isinqumo sokugcina, ungahle uthande ukubheka izinketho ezahlukahlukene ukuze unqume impahla enhle kakhulu kwisabelomali sakho ehlangabezana nezinhloso zakho zokuphila.
3. Cela ukuhlolwa kwekhaya okuchwepheshe
Ukuhlolwa kwekhaya okuchwepheshe kuzosiza ukusungula ukuqina kwesisekelo nokwakheka ngenkathi kukhonjwa ukuhlaselwa yizinambuzane, ubukhona besikhunta, nezinkinga ezihlobene nezinhlelo zikagesi, amapayipi, amanzi, kanye nokushisa / ukupholisa izinhlelo.
4. Ukuvunyelwa kwangaphambili kokubolekwa kwemali
Ukuthenga ikhaya kungaba ngumsebenzi obizayo. Uma impahla isihloliwe, udinga ukuqinisekisa ukuthi unayo imali oyidingayo. Uma ufuna ukuthola imali mboleko, kufanele uthole incwadi yakho yokuvuma ngaphambi kwesikhathi. Uma ukhokha ngokheshi, kufanele uqhubeke wenze isithembiso.
5. Yenza isipho
EFlorida, ukubhida kuzobandakanya ukusetshenziswa kwenkontileka esemthethweni, ebeka izidingo ezithile nemibandela okuvunyelwene ngayo umthengi nomthengisi. Umthetho waseFlorida awudingi ukuthi ube nommeli omele wena ngalesi sikhathi. Lokhu kusho ukuthi ungakhetha ukusebenzisana nomenzeli wakho wezindlu noma nommeli.
6. Ukwamukelwa kwesipho
Isikhathi ngemuva kokwamukelwa kwesithembiso sakho sizojabulisa. Kodwa-ke, kufanele ugcine izinga lekhanda lakho ukuqinisekisa ukuthi zonke izinyathelo ziyaqedwa ngaphandle kwezinkinga ezinkulu noma izinkinga. Ngemuva kokwamukela okunikezwayo, uzocelwa ukuthi usayine inkontileka bese ukhokha imali.
7. Izinkontileka nokuvala
Ngasekupheleni kwenqubo, umthengisi wakho wezezakhiwo uzodala inkontileka yokuthenga ebamba yonke imininingwane yokuthengiselana. Le nkontileka kufanele isayinwe ngumthengisi nomthengi. Isinyathelo sokugcina kungaba ukuthi kube nomhlangano wokuvala. Ngemuva kokuthi ummeli kanye nomthengisi wezezakhiwo sebeqinisekisile ukuthi konke kunjengoba kufanele, izimali zizodluliselwa kumthengisi bese uthola okhiye bakho.
Ngasekupheleni kwenqubo, umthengisi wakho wezezakhiwo uzodala inkontileka yokuthenga ebamba yonke imininingwane yokuthengiselana. Le nkontileka kufanele isayinwe ngumthengisi nomthengi. Isinyathelo sokugcina kungaba ukuthi kube nomhlangano wokuvala. Ngemuva kokuthi ummeli kanye nomthengisi wezezakhiwo sebeqinisekisile ukuthi konke kunjengoba kufanele, izimali zizodluliselwa kumthengisi bese uthola okhiye bakho.
Ngokwesiko eFlorida , ukuvalwa, lapho uthatha khona ubunikazi bempahla ngokusemthethweni, kungenzeka noma kuphi. Imvamisa, ummeli noma inkampani enetayitela, uma ikhipha isihloko, isingatha ukuvalwa.
Umenzeli wokuvala ulungisa amafomu, afaka phakathi imibhalo edingwa ngumbolekisi (njenge-promissory note and mortgage), amadokhumende ajwayelekile asetshenziselwa ukudlulisa isihloko (njenge-deed), njll.
Okuqukethwe
- Izidingo zokuthenga ikhaya eFlorida: isikweletu
- Izinketho zokukhokha phansi eFlorida
- Izinyathelo eziyi-7 zokuthenga ikhaya eFlorida
- 1. Bandakanya i-Florida Real Estate Agent
- 2. Thola impahla
- 3. Cela ukuhlolwa kwekhaya okuchwepheshe
- 4. Ukuvunyelwa kwangaphambili kokubolekwa kwemali
- 5. Yenza isipho
- 6. Ukwamukelwa kwesipho
- 7. Izinkontileka nokuvala