Ndine-9 kaJulayi, 2019 echazwe kwiikhathuni ezibomvu zentliziyo kumcwangcisi andisokuze ndilahle: ngumhla endathi ndavala ngawo kwikhaya lam lokuqala! Emva konyaka wokungayeki izindlu ezivulekileyo , amawaka ezaziso zefowuni ezivela kwii-MLS zokusebenza, kunye nokunikezelwa okungaphumelelanga, mna nomyeni wam sathandana nendlu ekugqibeleni sakwazi ukuyithenga. Nangona kunjalo, ngokungafaniyo nokufumana i-iPhone, oku kuthenga kufuna okungaphezulu kokuqinisekisa nje ukuba sinemali eyaneleyo kwiakhawunti yethu yokujonga. Kwakuyinyanga yokuthetha ngasemva nangaphambili phakathi kwearhente yokuthengisa izindlu nomhlaba, umthengisi wezindlu nomthengisi, kunye negosa lethu lemali mboleko; SO iphepha elininzi; kwaye ngeenxa zonke kwi-10 ukuya kwi-15 iiyure zokutya i-ayisikrimu ukuthomalalisa uxinzelelo lwam. Emva kokufumana ukwamkelwa kwesicelo sethu, kwathatha malunga neentsuku ezingama-30 ukuvala kwikhaya lethu lamaphupha.
Nangona kunjalo, sinethamsanqa ukuba ihambe ngokukhawuleza okukhulu. Isimangalisile into yokuba ihlala ithatha ixesha elide ukuvala indlu. Unomdla wokufunda ukuba kuthatha ixesha elingakanani (kwaye ngoba) kunye nento onokuyenza ukukhawulezisa inkqubo? Apha, yonke into ekufuneka uyazi malunga nexesha lenkqubo yokuvala:
Kuthatha ixesha elingakanani ukuvala indlu emva kokuba wamkelwe isicelo?
Ngoku ka Ingxelo ka-Ellie Mae kaJulayi 2019 yoQeqesho lweeNkcazo (okona kutshanje kufumanekayo), kuthatha umyinge weentsuku ezingama-42 ukuvala ikhaya elinemali.
Nangona kunjalo, ixesha elithathayo ukuvala indlu emva kwesithembiso esamkelweyo sixhomekeke kwindawo ohlala kuyo, luhlobo luni lwekhaya olithengayo, kwaye loluphi uhlobo lwemali mboleko oyithathayo (ukuba uthatha enye Ngaphandle!)
Kuthatha ixesha elingakanani ukuvala indlu enemali mboleko ye-VA?
Abo basebenze kuMkhosi waseMelika oxhobileyo banelungelo lokufumana iimali mboleko zeVeteran Affairs (okanye VA). Abafuni kuhlawulwa phantsi, baneendleko zokuvala ezisezantsi kunaleyo yesiqhelo, kwaye banikezela ngakumbi ngokuguquguquka kwetyala. Ngelixa kusenziwa intsomi yokuba iimali mboleko ze-VA zithatha unaphakade ukuze ziqhubekeke, ngokuka-Ellie Mae bavala kwi-avareji yeentsuku ezingama-46-zine kuphela iintsuku ezinde kunemali mboleko yesiqhelo.
Kutheni ngamanye amaxesha kuthatha ixesha elide ukuvala ikhaya?
Ukuvala ikhaya ngokuqinisekileyo kungathatha ngaphezulu kweentsuku ezingama-42, ngakumbi ukuba uthenga intsebenziswano okanye ikhondomu. Ii-co-ops kunye nee-condos zinobudlelwane obahlukeneyo kwisakhiwo seentsapho ezininzi apho bahlala khona.
Abanikazi be-Co-op bahlawula kwisakhiwo sonke kwaye banesabelo sotyalo-mali, kodwa abanayo indawo yabo (ingaphakathi okanye ingaphandle). Basenokuba banesivumelwano okanye isabelo esithengisa ukubavumela ukuba bahlale apho kwaye babe yinxalenye yombutho webhodi ye-co-op eyenza zonke izigqibo malunga nesakhiwo-iiprojekthi zolondolozo kunye nokuba ngubani oza kuthenga.
Abanini be-Condo, kwelinye icala, bahlala bengabendawo yabo kwaye emva koko banesabelo seendawo eziqhelekileyo zepropathi kunye nezinto ezingaphandle. Kukho iibhodi, nazo, kodwa zithatha isigqibo sokugcina-hayi abaqeshi okanye abanini.
Ngenxa yalamanyathelo ongezelelweyo (kunye nokuzibandakanya kwabo namanye amaqela angaphaya komthengi kunye nomthengisi), ii-co-ops kunye neekhondos zingathatha ixesha elide ukuvala. UBill Kovalchuk , umrhwebi osebenzela iWarburg Realty e-NYC, uthi ukuvala eManhattan, umzekelo, kungathatha iintsuku ezingama-60 ukuya kwezingama-90.
Nantsi indlela eyaphuka ngayo, ngokomndilili, ngokweKowalczuk:
- Uthethathethwano lwekhontrakthi kunye nokugqitywa kwenkuthalo efanelekileyo yigqwetha lomthengi: iintsuku ezintlanu ukuya kwezisixhenxe zomsebenzi.
- Ukugqitywa kwesicelo sentengiso sebhodi ye-co-op / condo: Iintsuku ezili-10 ukuya kwezi-14 (enye iveki ukuba kukho imali echaphazelekayo.)
- Uvavanyo: iintsuku ezisixhenxe ukuya kwezili-10.
- Ukuphononongwa kwesicelo yiarhente yokulawula intsebenziswano ngaphambi kokuthumela kwibhodi: iintsuku ezintathu ukuya kwezisixhenxe
- Inkqubo yeBhodi, kunye nodliwanondlebe: iintsuku ezisixhenxe ukuya kwezili-14.
Kuthatha ixesha elingakanani ukuvala indlu emva kovavanyo?
UAdi Perez , iarhente ye-Arhente e-LA, ithi kuthatha malunga neentsuku ezili-10 ukuya kwezi-14 ukuvala indlu ukuba uvavanyo belinexabiso.
Nangona kunjalo, ukuba ixabiso lokucela liza ngaphezulu- okanye -ngaphantsi kwexabiso , izothatha ixesha elide ukusombulula le ngxaki kuthetha unxibelelwano ngakumbi phakathi kwamaqela kunye namaphepha ekufuneka wonke umntu asayine. Umzekelo, iarhente yomthengi inokudinga ukuxoxisana nearhente yomthengisi ngexabiso lasekhaya okanye umthengi kungafuneka asebenze ekufumaneni inkxaso-mali eyongezelelweyo. Oku kungongeza ngokulula iveki okanye ezimbini.
Kuthatha ixesha elingakanani ukuvala indlu enemali?
Kuba umthengi wemali yonke esika inkqubo yokubolekwa kwemali kunye novavanyo ngaphandle kwe-equation, uKowalczuk uthi oku kungayinciphisa inkqubo ngeeveki ezimbini ukuya kwezintathu.
Ndingakhawulezisa njani ukuvala indlu?
U-Louis Adler, inqununu kunye nomseki we co INew York yenyani , Ukufumana iimali zakho kunye namaphepha ahambelana nawo ngokulandelelana ekuqaleni kwenkqubo yokuthenga kunokukhawulezisa ukuvala.
Ndingakufakazela oku: Kunyaka ophambi kokuba ndiqale ukukhangela ikhaya, ndaqala ukuhlawula ityala lam ngomsindo kwaye ndasebenza nzima ukumisela imikhwa eya kwandisa amanqaku am. Emva koko, sakuqala ukujonga izindlu, ndandiphezulu kakhulu ekuculeni amaxwebhu am; Ndazisiwe no-HR emsebenzini ukuba mabalindele umnxeba malunga nokuqeshwa kwam; ndaza ndahlela iifomu zam zerhafu, amaxwebhu ebhanki, ndaza ndahlawula iintonga kwangaphambili. Kananjalo, nangaliphi na ixesha ndifumana i-imeyile okanye umnxeba ovela kwiarhente yam okanye kwiofisi yemali mboleko, ndiyiphendule ngokukhawuleza.
Konke oku kuyikhawulezisile inkqubo kwaye kwanceda ukulungiselela iintsuku ezintathu ukuya kwezine zexesha elilahlekileyo xa singena kwimicimbi engachazwanga ngesiseko. Kuba besenze umbono olungileyo kwiarhente yomthengisi, nathi, sikwazile ukuxoxa ngokulula ngexabiso eliphantsi lokuthengisa kunye nekhredithi yokuzilungisa ngokwethu.
Kuthatha ixesha elingakanani ukuvalwa?
Inkqubo yokuvala ngokwenyama endlwini ithatha malunga neyure, ubuncinci kumava am. Ndiqhubile ndaya kwisakhiwo segosa lam lemali mboleko ndaza ndatyikitya ingqokelela yamaphepha amade amade njengosana oluncinci (njenge, okuninzi yamaphepha). Kunye nomyeni wam, iarhente yam yokuthengiswa kwezindlu kunye nomntu wesithathu babekhona (kwimeko yam, inkampani escrow).
Nje ukuba yonke into ifayilishwe, mna nomyeni wam sadibana nearhente yethu kwindlu yethu esiza kuba nayo kwiintsuku ezimbalwa kamva kwaye sanikwa zonke izitshixo! Awuyi kuyifumana le ngxelo nakweyiphi na inkqubo esemthethweni, kodwa nantsi ingcebiso ebaluleke kakhulu: Lungiselela ukuncwina okuninzi kunye ne-OMG xa sele uvale-nayo, mhlawumbi iglasi (okanye ezintathu) zewayini yokubhiyozela.
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- Izinto ezili-10 zabanini bezindlu abazithiyileyo ekuboneni ekhayeni lakho
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- Ii -apps ezi-6 Wonke umninikhaya kufuneka abe nazo kwifowuni yakhe
