Nokuba uthenga indlu okanye uyayithengisa, kuya kufuneka ujongane nento ukuya esiphelweni sohambo lwakho olwaziwa njengokuvala. Ngamafutshane: Yinkqubo ende enethala lamaxwebhu asemthethweni ekufuneka etyikityiwe ngaphambi kokuba ungene.
Kungenxa yokuba uyenzile ukuya kwinqanaba lokuvala lentengiso, nangona kunjalo, oko akuthethi ukuba ukhululekile ekhaya. Ngaphambili, khangela ezinye zezinto ezinokuzisa ukuvalwa kwakho-kunye nokuthengwa okanye ukuthengiswa kwendlu yakho-kume ngokugaya.
Ukuhamba kokugqibela akuphelelanga
Abathengi bahlala becela abathengisi ukuba benze utshintsho oluthile kwipropathi, njengokulungiswa, ngaphambi kokutywina isivumelwano. Yitsho ngaphambi kokuvala, umthengi unendlela yokugqibela, kwaye bayabona ukuba olo lungiso alwenzwanga, okanye lwenziwe ngokungachanekanga, utshilo uSomerville, N.J., igqwetha URajeh A. Saadeh . Ke, umthengi unokungafuni ukuqhubeka nesivumelwano de loo micimbi isonjululwe.
Ucacisa ukuba xa ifanitshala yomthengisi, iiragi, kunye nezinye izinto zisusiwe ekhayeni, umthengi angabona iindawo ezintsha ezifuna ukulungiswa. Kubalulekile ukuba abathengi bafumane umbono opheleleyo wokuba linjani ikhaya elingenanto, kwaye bavumelane nomthengisi ngokwemiqathango yokulungisa ngaphambi kokuya kwixesha lokuvala.
Uvavanyo olusezantsi
Ukuba kukho imfazwe yokubhida, okanye umthengi uziva efuna ukwenza into ukuze avele, banokuhlawula ngaphezulu kwexabiso elifunwayo. Kodwa ukuba umthengi ufuna imali mboleko yekhaya, umbolekisi uya kufuna ukwenza uvavanyo, ngokuka-Kerry Adams, umrhwebi Iqela leBlumel Adams ICompass Real Estate eAlexandria, Va.
Ke, oko kuthetha ntoni kumthengi? Umthengi ongakhuselwanga ngovavanyo lwentsebenzo uyakufuna ukwenza umahluko ngekheshi. Kwaye ukuba umthengi akanalo olo hlobo lwemali elele? I-Adams ithi inokuba isilele. Abathengi kufuneka bazi ngaphambi kokubhala isithembiso nokuba ngaba kukho umngcipheko wokuvavanywa komcimbi kwaye zithini izibonelelo. Kungenxa yoko le nto kungumbono olungileyo ukusebenzisa iarhente yomthengi onamava oyiqondayo inkqubo yovavanyo.
Ithetha ntoni i-911 kubalo lwamanani
Igatya lokulungiselela
Abanye abathengi bazama ukuthengisa amakhaya abo ngoku bafuna amakhaya amatsha okuthenga. Ngapha koko, bahlala befuna imali kwintengiso yekhaya labo ukwenza intlawulo esezantsi kwikhaya elitsha. Umthengisi owamkela ikhontrakthi exhomekeke kwintengiso yekhaya esele likho unokukhokelela esiphelweni sesivumelwano, utsho UJeremy Browne , usekela-mongameli ophezulu kwi-TTR Sotheby's Realty e-Arlington, Va.
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Ngapha koko, uthi abathengisi abalamkeleyo eli thuba baphulukene nolawulo lwentengiselwano, kuba ngoku ixhomekeke kolunye uvalo lwasekhaya. Yonke intengiselwano inemicimbi yayo eyahlukileyo kunye nokuvalwa kwendlela, kwaye ukuba kuvela iingxaki ezingenakoyiswa kwintengiselwano yomthengi kwikhaya langoku, umthengisi ushiywe engenamandla ngaphandle kokukhulula umthengi kwisivumelwano.
Nokuba umzi umthengi awuthengisayo uphantsi kwesivumelwano, kukho into enokwenzeka yokulibaziseka lonto ukuvala, ukudala isiphumo esibi.
Ubuxoki kwipropathi
Mhlawumbi uyazi ukuba ulele kwipropathi unokuthintela abaninimzi ekuthengiseni ikhaya labo. Nangona kunjalo, enye yezona zinto zamva nje endizibonileyo yayilelien elishicilelweyo kwipropathi ngeli xesha ipropathi yayiku-escrow, utsho UJennifer Okhovat , Umrhwebi kunye neCompass eLos Angeles.
Ngokwesiqhelo, sizama ukutsala isihloko ngokukhawuleza xa kuvulwa iscrow kwaye sivavanye neengxelo zetayitile yokuqala ngaphambi kokudweliswa kwekhaya. Ke, yintoni ebangele esi siganeko? U-Okhovat uthi umntu othile wabeka indawo yokulala kwipropathi yomthengisi kwaye umthengisi-owayengumhlali wangaphandle-wayengayazi loo nto. Iinketho ezimbini zomthengisi yayikukusombulula i-lien okanye ukuhlawula i-lien kwimali efunyenwe kwi-escrow. Ekugqibeleni, wagqiba kwelokuba ahlawule nge-escrow; nangona kunjalo, ukuba wayengenjalo, intengiso ngeyaye yamisa.
Ukuthengwa kwemizuzu yokugqibela
Ukuba uthenga ikhaya elitsha, kubonakala kuyindalo ukuba uya kufuna ifenitshala entsha kunye nempahla. Nangona kunjalo, kuya kufuneka usebenzise i-lasso kwinkcitho yakho de utyikitye kumgca wamachaphaza.
Ngoku ka UEva Henry , Umrhwebi e-Prosper, eTexas, ezo zinto zithengiweyo sesona sizathu sikhulu kwaye siqhelekileyo sokumisa ukuvalwa.
Amaxesha amaninzi abathengi baya kuvunywa kwangaphambili, bangene phantsi kwesivumelwano, emva koko bathathe isigqibo sokuya kuthenga ifanitshala entsha yendlu, okanye iwasha kunye nesomisi okanye umshini wokucheba, utshilo. Nokuba uhlawula ikheshi okanye akunjalo akunandaba. Nokuba bavula ikhadi lamatyala-umzekelo, iHome Depot-isabonakala njengekhredithi ‘enokubakho’. Kwaye imali-mboleko yakho inokwaliwa ngomhla wokuvala. Ndikhe ndabona uninzi lomthengi ejija iscrow yabo yonke kuba baphume baya kuthenga ifriji kusuku olungaphambi kokuvala, utshilo uHenry.
Utshintsho kwingqesho kunye nokuqinisekisa
Kwixesha elidlulileyo, abathengi babenokutshintsha imisebenzi ngexesha lokuhamba-ukuba babesiya emsebenzini kwicandelo elinye. Nangona kunjalo, uHenry uthi kuninzi okutshintshileyo. Abantu abaninzi bayayishiya imisebenzi okanye bayayitshintsha imisebenzi, nkqu nomsebenzi onemali eninzi — ngexesha lokuhamba, nto leyo eyeka yonke into. Ndiyabulela kwintsholongwane, ingqesho ngoku iqinisekisiwe yure ngaphambi kokuvala. Kwaye ukuba kuye kwakho naluphi na utshintsho kwimbali yengqesho, uthi yonke into iyema, kwaye kuyakufuneka ukuqala ngokupheleleyo ukubhala phantsi.
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