Thengisa ikhaya lakho kwimbonakalo yangaphambili

Ndingayithengisa indlu yam ngelixa ndibonakale?

Ndingayithengisa indlu yam ngelixa ndibonakale?

Ifemu yethu yomthetho imele abathengisi abaninzi kwinkqubo yokuxelwa kwangaphambili. Ngamaxesha athile nathi sisebenzela ukuthengisa iipropathi ngelixa abathengi bethu bebhanga. Eyona njongo kukusindisa ikhaya, okanye ixabiso elimeleyo ngaphambi kokulahlekelwa likhaya ngaphambi kokuba kuthengiswe ngaphambili.

Singamagqwetha eNew York naseNew York neeofisi ezihlangeneyo eIndiya ezingathengisa iipropathi zakho xa ujongene nobunzima bezemali.

Ndingayithengisa impahla yam phambi kokuba ibonakale?

Impendulo yalo mbuzo ithi, "Ewe unako."
Kukho iindlela ezimbini zokukwenza.
1.Ungathengisa ngentengiso yendabuko.
2. Ungazama ukusebenzisa inkqubo yokuthengisa emfutshane.

Intengiso yesiko kuxa ubuyisela yonke imali etyalwa ebhankini kwaye ugcine ukulingana kwakho.

Intengiso emfutshane kuxa ubhatala umbolekisi wakho engaphantsi kwetyala lakho.

Amaxesha amaninzi asikukhuthazi ukuhamba kwinkqubo yentengiso emfutshane. Amaxesha amaninzi umnini wepropathi akafumani nzuzo kwintengiso emfutshane, nangona kunjalo oku akusoloko kunjalo. Kufuneka senze ukususa okukhulu kwexabiso labathengisi bepropathi, amatyala abelwe oko, kunye neenjongo zexesha elide.

Ngaba ukuthengisa ngokufutshane akuBoneleli nto?

Ukuthengisa okufutshane kunokuza neziphumo zerhafu.Xa usenza intengiso emfutshane ukuba imali yakho yokuthenga ibiyimali engama-500,000, 750,000 yeepropathi zotyalo-mali. Ngoku unetyala le- $ 300,000 njengoko iindleko ziphume kulawulo kuloo ndawo inye. Umiselwe ukuthengisa okufutshane ngeedola ezingama-1099, 450,000. Ibhanki izakuthumela i-450,000 ekupheleni konyaka ngeedola ezingama-XNUMX njengengeniso kuwe. Kwiirhafu zakho kunokwenzeka ukuba ubhale ezinye zeli tyala, kodwa ukuba awuzange ubenatyala, i-IRS inokuyiphatha le $ XNUMX okanye icandelo njengengeniso yerhafu.

Kukho ifomu onokuthi uyifayile kwi-IRS yokuphuma ekuhlawuleni irhafu kuxhomekeke kwimeko yakho. Ke, qiniseka ukuba uza kudibana neengcali zerhafu ukongeza kwigqwetha ngaphambi kokuya phambili ngentengiso emfutshane.

Ukwanikwe kuphela apho ungathengisa impahla kwiNtengiso emfutshane. Unokufuna ukuthengisa kwilungu losapho, nangona kunjalo ibhanki inokujonga oku njengobuqhetseba. Awunakho ukwenza amalungiselelo okusebenzisa kunye nokuhlala kwisivumelwano sokuhlala ekhaya emva kokuthengisa. Kuyenzeka ngamanye amaxesha ukufumana imali yezitshixo kwintengiso emfutshane, okanye ukuhambisa imali, hover nokuba kwezi ziqinisekiso. Ezi zinto zibuyisa umva zinokoyiswa ngokuthengiswa kwendabuko, kwaye uyavunyelwa ukuba uxhase ngemali kuthengiso.

Zithini izibonelelo zokuthengisa ikhaya ngelixa uXelwe?

Ngamaxesha amaninzi wena njengomnini khaya uya kuxhamla ngokuthengisa indlu yakho kwintengiso evulekileyo, ukuze ugcine ukulingana kwipropathi. Uza kukhetha ixesha oza kuthengisa ngalo, kwaye uqhele ukufumana isivumelwano kunye nokuhlala ukuba ufuna ixesha lokucwangcisa indawo yokuhlala. Ukuba ungakulungelwa ukuthengiswa okufutshane, ngoko kuya kufuneka ujonge kwi hlawula kancinci apho uhlawula imali engaphantsi kwetyala lakho, kwaye kufuneka ugcine ikhaya lakho esikhundleni somtyali-mali othabatha ikhaya lakho.

Ke ukuba uhamba nentengiso emfutshane, endaweni yokuba ubatyala imali yebhanki ungatyala imali ye-IRS. Kwaye, ayimnandi njengebhanki mandikuxelele njengoko IGqwetha laseNew York nokuba andifuni ukungcungcutheka nge-IRS.

Kodwa ndiza kuthetha malunga nembonakalo yentengiso yemveli. Ungayithengisa ipropathi yakho yonke de ibe ziintsuku ezilishumi emva kokuba kwenzekile oko.

Ibizwa ngokuba lilungelo lentlawulelo. Andikucebisi ukulinda ixesha elide. Ndihlala ndinabaxumi bam ukuba ndinakho, kufutshane ngaphambi kwe Intengiso yesherifu umhla. Kwenza yonke into ukuba ibe lula kakhulu ngenkqubo kwaye kukho umngcipheko omncinci kunye noxinzelelo oluncinci. Masithi yinto entle kakhulu.

Isebenza njani ukudwelisa uluhlu lwakho lwepropathi oyithengisa ngokwesiko ngokusebenzisa i-realtor?

Nxibelelana ne-realtor. Xela into ozama ukuyenza. Ukuba i-realtor ayilunganga kwaye awuyithandi i-realtor ngaso nasiphi na isizathu, khangela i-realtor eyahlukileyo ngaphambi kokusayina nayiphi na isivumelwano. Umthengisi othembekileyo kufuneka akwazi ukwenza ikhaya lakho lilungele ukuthengisa, kwaye ahambe ngexabiso lokwenyani kunye ne-hood ethengiswayo yentengiso ngamaxabiso ohlukeneyo.

Ndingayithengisa indlu yam njengo "kuthengiswa ngu-OWNER" ngexesha lokuvezwa?

Ewe unga. Kodwa, andikuthandi ukusebenza ngeNtengiselwano ngumnini wemicimbi ngexesha Inkqubo yokuxelwa kwangaphambili. Kukho amaxesha amaninzi abathengi bam baxakeka yimeko yabo ejikeleze inkqubo yokubonisa. Ndiyasiqonda isizathu sokuba kwenzeke, kodwa ukuba uluhlu lwam lwabathengi lube ngumnini wepropati ndifuna ukuba ndixhomekeke kumthengi wam ukuba enze enye yezinto eziphambili kuthengiso lwabo. Kukuthengisa iimpahla kunye nokufumana ikhontrakthi efanelekileyo.

The umnini FSBO.com uthengise umzi wakhe esebenzisa iRealor njengoko wayengenakufumana ixabiso awayelifuna. Ke, ukuba uzama ukugcina kwikhomishini uzama ukuyenza ngokwakho, unokufumana abantu ekukuphela kwabo bakubizayo ungabanini bezindlu zokuzama ukwenza uluhlu lwakho lwabatyali-mali bazame ukukunika i-80% yoko kufanelekile ikhaya lakho.

Kananjalo kufuneka ulumkele abantu abazama ukwabela iipropathi zakho. Isabelo siyasebenza xa umntu omnye ekufumana phantsi kwesivumelwano esithi yi-200,000 yeedola kwaye ke uthengise komnye umntu nge-250,000 yokubhangisa i-50,000, 250,000 yeedola ngexabiso elililo elinokuba lelakho ukuba ubunokuqhagamshelana nomntu onikezela ngokuthe ngqo kwi- $ XNUMX.

Kutheni ndifanele ndisebenzise iRealor ukuthengisa ipropathi yam ngelixa ndisiTyhilwe?

Ukuba ne-Realtor yokuthengisa ipropati kuvumela iingcali ukuba zisebenze kwisivumelwano. Ukuba uzama ukugcina ikhomishini ngeli lixa lokugqibela kumdlalo, ungaphulukana nayo yonke into. Kwaye, i-Realtor ibonelela enye imbono. Uninzi lwabathengisi bangamakhulu alikho amawaka abantu kuluhlu lwabo lokunxibelelana abatyali-mali. Ukuba usekupheleni kwenkqubo yokubonisa, unokufuna ukuba umthengi wemali avale ngokukhawuleza. Okanye, ungabi nabunewunewu bokuthengisa komnye umntu onengxaki yokufumana imali-mboleko. Ukwazi ukuba yintoni ukufumana umthengi ngemali xa kuthengwa umthengi kwaye injani i-AS-IS-SALE inokugcina imeko enkulu yentliziyo xa uzama ukuthengisa ikhaya kwimeko yokubonakala kwangaphambili.

Njenge Igqwetha lezindlu ngubani okumela isuti kwisimo sokuxakeka ngolu hlobo, kuthetha ukuba abameli mabagcine iso kwisenzo sokubonisa ukuba indlu ayithengiswa phantsi kwakho. Kwimeko enje xa abathengi abanjengawe beza kum abomzi womthetho, beza kuqala kwaye ndisebenzela ukuqiniseka ukuba ukubonwa kwangaphambili akusayi kulahleka. Sebenzisa i-realtor ukudwelisa kwaye uthengise iipropathi kwenza ubomi bomntu wonke bube lula. Ngokukodwa ukuba i-Realtor inokufumana ikhontrakthi ekuncedayo kwaye ufumane umthengi ofuna ukusebenza nawe kumgca wakho wexesha.

Ifemu yam ndiyasebenza kunye nabaxumi bethu ukuya kuzo zonke iimeko zentengiso. Siqinisekisa ukuba zonke izigwebo kunye nayo nayiphi na into efunekayo kufuneka ithathelwe ingqalelo yokucoca isihloko. Sifuna ukufika etafileni yokuvala kwaye uqiniseke ukuba ufumana isibonelelo sepropathi yakho. Sifuna inkampani yetayitile ikhuphe isheke kuwe, kwaye ukuba ungalahli ikhaya lakho kunye nexabiso elimeleyo.

Ndingayithengisa indlu yam xa ndisaBhengezwa?

Ewe ungayithengisa indlu yakho ngelixa ubhengezwa. Kodwa, kuya kufuneka ufumane iinkundla imvume yokuthengisa ipropathi. Ukuba ikhaya lakho sele lucwangciselwe ukuthengiswa kwesheriff, unokukwazi ukukuphepha ukuhlawula ikhomishini yomthunywa oya kuba. Isindululo esiya kwenziwa sokuthengisa ikhaya sintsonkothileyo ngokuqinisekileyo. Asikukhuthazi ukuzama oku ngaphandle kwegqwetha.

Nanini na xa sinceda ukuthengisa ipropathi ephambi kokuba ichaze, siyaqinisekisa ukuba ibhanki okanye umbolekisi uhlawulwe ngokupheleleyo. Oku kungakhokelela kwizinto ezimbalwa ezenzekayo. Into yokuqala kukuba ama-pendans awayefakwe kwipropathi aya kukhutshwa. Into yesibini kukuba uyakufumana ukwaneliseka ngento yokubambisa. Into yokugqibela kukuba isenzo esichaziweyo siya kugxothwa okanye kugwetywe ijaji lokugqibela.

Emva kokuba ezi zinto zintathu zithathelwe ingqalelo, isenzo sokuchongwa kwangaphambili siya kugxothwa.

Ndingenza ntoni ukufumana ixesha elongezelelweyo lokuthengisa ikhaya lam ngaphambi kokuthengisa kwangaphambili?

Ngamanye amaxesha kuxhomekeke kwiimeko, unokuziva ngathi uphelelwe lixesha ukuthengisa ikhaya lakho ngaphambi kokuba kuthengiswe i-sheriff. Zintathu iindlela zokufumana ixesha elongezelelweyo:

  1. Cela uSheriff njengomntu obolekayo ukuba agqibe ukuthengisa ngeentsuku ezingama-56.
  2. Cela inkundla kaRhulumente ukuba ifumane ixesha elongezelelweyo lokugqiba ukuthengisa ipropathi.
  3. Xela ukubhengezwa njengongenamali ukuze ugqibezele ukuthengisa ngaphakathi kubhengezo.

Inkundla ayizukuhlala ikunika ixesha elongezelelekileyo, nangona uthetha negqwetha kuqala, unganakho ukuseta isicelo senkundla ukusifumana xa isicelo siphelile kwaye inkundla ibona ukuba ngokunikeza isindululo wonke umntu uza kuxhamla.

Ukuxela ukubhengezwa njengongenamali kunokukuvumela ixesha lokuthengisa indlu, okanye nokuba ubanjiwe kwiintlawulo ezibuyisiweyo kwisithuba seminyaka emi-5 ukuze ungayithengisi.

Unokwenza ntoni emva kokuba kuthengisiwe Sheriff?

Nokuba ikhaya lakho lithengisiwe kwintengiso yesherifu, unokukhetha:

  1. Unga hlawulela impahla yakho. Ukuya kuthi ga kwiintsuku ezili-10 emva kokuthengiswa kwesherifu kunokuba nakho ukuhlawula isherifu.
  2. Ukuba ufayilisha Isahluko 13 ukubhengezwa Ngexesha leentsuku ezili-10 zokuhlawulela, ungalongeza ixesha lokukhulula ukuya kwiintsuku ezingama-60.
  3. Unakho ukwenza ukuba intengiso iphume ngaphandle ukuba bekukho iziphikiso ngentengiso.
  4. Umthengi wepropathi akanakugqibezela ukuthengiselana ngesherifu kwaye ipropathi iya kuphinda idityaniswe yentengiso, evula amanye amathuba.
  5. Ekugqibeleni ibhanki okanye umthengi wesithathu kuyakufuneka ukuba akhutshelwe ngaphandle kwepropathi, ngeloxesha unokukwazi ukuxoxa ngemali ukuze ufumane izitshixo zokuhamba, okanye ufumane ixesha elongezelelekileyo ekhayeni lakho. Ke, umda wexesha ekufuneka ulishiya ikhaya lakho emva kokuba kuthengiswe isherifu. Kwaye, ukuba ungumntu oqeshisayo, unamalungelo awomeleleyo kunabanini bomnini wepropathi.

Phambi kokuba uthathe naliphi na inyathelo lesenzo, sikucebisa ukuba uthethe nommeli woKhuselo lweNqanawa yokuKhuselwa simahla ukuba ungaya kuzo zonke iinketho zakho. Akukubi kwanto, kwaye ikuvumela ukuba uze nesicwangciso esiliqili sokukunceda esenokukuphepha ukuthengisa ipropathi yakho. Sitsalele umnxeba ku 973-200-1111 okanye i-imeyile yethu [Imeyile ikhuselwe]. Okanye ucofe iindlebe ukuze ucwangcise a iseshoni yesicwangciso sobuchule efowunini okanye emntwini ixesha elisebenzela wena.

Izithuba enxulumene

Shiya iMpendulo

Le sayithi isebenzisa i-Akismet ukunciphisa ugaxekile. Funda indlela idatha yakho yokubhaliweyo isetyenziswe ngayo.