Iingcebiso zokuthengisa ngokukhawuleza nangenzuzo
Paperwork
Ingxelo yeNgeniso neNkcitho: Ufuna ukuqinisekisa ukuba unayo yonke imininingwane yakho yezimali ngaphambi kokuba ufake ipropati yakho yokurenta.
Ukulungiselela ingxelo yengeniso kunye neendleko ziya kukunika, kunye nabani na abathengi, umfanekiso ongcono wexabiso lepropati yakho.
Ingeniso: Ifakiwe kule ngxelo engenayo kunye neengxelo zeendleko, uya kufuna ukurekhoda zonke iingeniso ezifunyenwe yipropati ngenyanga kunye nonyaka. Oku kungabandakanya iintlawulo zokuqasha zenyanga zenyanga, kunye nayiphi na ingeniso eyongezelelweyo kwiindawo zokupaka, i-washer kunye nabomileyo abasebenzisa okanye iintlawulo xa unenhlanhla ngokwaneleyo ukuba ube nebhodibhodi okanye inqaba yefowuni kwipropati yakho.
Iindleko: Ingxelo yengeniso kunye neendleko kufuneka zibandakanye imali oyichithayo kunyaka. Oku kungaquka:
- Imirhumo yePropati
- Iintlawulo zeInshurensi
- Imirhumo yamanzi kunye noTshwala: Ukuba unembopheleleko yezibonelelo.
- Imirhumo yoMbane: Ukuba unembopheleleko yezibonelelo.
- Iintlawulo zeGesi: Ukuba unembopheleleko yezibonelelo.
- Iintlawulo zeoli: Ukuba unembopheleleko yezibonelelo.
- Ulondolozo : Uninzi lwabatyalomali kunye / okanye ii-Realtors ziya kuqikelela ipesenteji yesondlo. Ngokwesiko, le mali iyimihlanu yeepesenti yomvuzo ophezulu . Iindleko zokulungisa zizahluka ngokusekelwe kubukhulu bepropati, ubudala bepropati kunye nemali yendawo yangaphandle. Ingabandakanya izinto ezifana neendleko zokuhlawula iindleko, iindleko zokulungisa okanye ukufaka indawo yokulungiswa okanye ukungaphumeleli, ukuvalela emnyango, iifestile, iilisi eziqhekekileyo, ukuvuza kwamanzi, ukuvuza kwamanzi okanye ukuqhuma kwimizila.
- Iindleko zengqesho: Abaninzi-mali batyala i-faction factor. Ngokuxhomekeke kwimihlaba yepropati, ungalindela ukuba le nombolo ibe phakathi kwamahlanu kunye neshumi kwipesenti yemali engenayo yokusebenza. Iindleko zengqesho zingabandakanya iindleko zokuthengisa ipropati , njengokubeka iintengiso kwirente yakho, kunye neendleko zokubamba ipropati , njengeentlawulo kunye ne-inshurensi.
Ukuqokelela amaxwebhu anxulumene neNgeniso, iindleko kunye noLawulo lwePropati
Iimpahla ezivela kwiNgeniso yeNkcitho kunye neNkcitho: Ngaphambi kokubeka ipropati yakho yokuqashisa, uthe ufune ukufumana iikopi ezinzima zezinto ozifakile kwingxelo yengeniso kunye neendleko. Uya kufuna ukuqokelela ezi nkcazo ukusuka kunyaka odlulileyo. Oku kungabandakanya zonke iindleko zesevisi, iinchuwalense zerhorensi, irhafu yepropati, iintlawulo zemboleko, ukuhlawulwa kweendleko, izindleko zokugcina nokunye njalo.
Kufuneka uhlole zonke iirisithi kwi khomputha ukwenzela ukuba unakho ikopi yedijithali. Oku kuya kwenza kube lula ukuthumela into kumthengi onokuthenga, ummeli okanye uMninimzi onobuchule xa uceliwe kuba uya kuba sele uyifumaneka ngekhompyutha.
Iikopi zazo zonke iiNgqesho eziqeshweyo: Uya kufuna ukuqokelela iikopi zazo zonke izivumelwano zokuqeshiswa kwabaqeshi abakhoyo. Oku kuya kusetyenziswa ukuqinisekisa ubungqina bentlawulo yangoku , kunye nobude bokuqeshisa.
Uluhlu lwaluphi na uphuculo olusandulweyo kwiPropati: Kufuneka uhlanganise uluhlu lwaluphi na uphuculo olwenziwe kwipropati kwiminyaka yamuva. Ngokomzekelo, ngaba ubeke uphahla olutsha, utshintshile isithandweni okanye ulungise ikhitshi? Uyakufuna kwakhona ukubandakanya umhla owenziwa ngawo umsebenzi kwaye mhlawumbi inani lokuphucula.
Kuluhlu lwakho lwezinto eziphuculweyo, uzakufuna ukongeza izichazi ezichazayo. Ngokomzekelo, endaweni yokuthi, ukulungiswa kwekhitshi, kunokuba kunokwakheka ukuthetha, ukulungiswa kwekhitshi, kubandakanywa iikhabinethi zegrey shaker, i-polar white granite kunye ne-backplash ehamba ngaphantsi komhlaba.
Ukongeza, kufuneka ufumane ubungqina bomsebenzi okwenziweyo. Oku kunokuba ikopi zeevoyisi, izivumelwano zomsebenzi okanye ezinye iirisithi.
Ngokuqhelekileyo, u-Realtor uza kusebenzisa olu luhlu lwezinto eziphuculweyo xa ehlanganisa ndawonye iinkcukacha zoluhlu lwepropati yakho. Ngoko ke, olu luhlu lufanele lube lukhulu kangangoko kunokwenzeka.
Iikopi zazo naziphi na iimvume: Into yokuqala ofuna ukuyenza kukuba uqinisekise ukuba akukho mvume evulekile kwipropati yakho. Ngokuxhomekeke kwidolophu yakho, unokwenza lo mbuzo kumntu, phezu kwefowuni okanye kwi-intanethi. Oku kuyaziwa ngokuba yi-irekhodi yoluntu evulekile.
Ukuba kukho naziphi iimvume ezivulekileyo kwipropati, kuya kufuneka ukuba uvale ngaphandle kokuthengisa. Uzakufuna ukucacisa ukuba yintoni umsebenzi omele uzaliswe, uqeshe ikontrakthi elayisenisi ukugqiba umsebenzi, ube nomhloli wase-dolophu uphume kwaye uqinisekise ukuba umsebenzi wenziwa kwikhowudi ukuze bavale imvume.
Kufuneka uqokelele okanye ufumane iikopi zazo zonke iimvume ukuba wenze nawuphi na umsebenzi oye wagqitywa kwipropati. I dolophu yakho kufuneka ikwazi ukunikezela ngeikopi zazo zonke iimvume ezibhaliswe kwipropati.
Misela iNzuzo
Kufuneka uhlole iimali zakho ukuze uthole i-ballpark yemali enokuyenza xa uthengisa ipropati yakho.
1. Unomvuzo onjani kwi-mortgage yakho? Ngaba unayo izigwebo zokuhlawulwa kwangaphambili?
2. Yazi iindleko zokuvala uza kuba noxanduva ngexesha lokuthengiswa kwepropati yakho. Oku kungabandakanya irhafu yerhafu yokuthengisa, Intengiso ye-Realtor ekuthengisweni, iifizi zokurekhoda kunye neentlawulo zommeli.
3. Yazi ukuba isibonelelo sakho serhafu sipropati ukuze wazi ukuba uninzi lweentlawulo oza kuhlawulwa. Thetha kunye ne-akhawunti yakho ukuze ubone ukuba isibonelelo sakho serhafu sinjani.
Ngokubanzi, isiseko sakho siya kuba zonke iindleko eziye zangena kwipropati engabhalwa phantsi kunyaka onikezelweyo, njengexabiso lokuthenga, iindleko zokuvala kunye nokuphucula, ukunciphisa ubuninzi bokubhaliweyo kwixabiso leminyaka.
4. Yazi ukuba ixabiso lexabiso lemarike yepropati yakho. Kufuneka ufumane iipropati ezimbini okanye ezintathu ezithengiswayo kwindawo yakho kunyaka ophelileyo. Ungasebenzisa la manani ukuze ufumane ingcamango engalunganga kwimiba yentengo ekufuneka ithengiswe ngayo ipropati yakho.
5. Thatha ixabiso lemarike yakho yepropati yakho, unciphise inani oye lashiya kwi-mortgage yakho, ekunciphiseni iindleko zokuvala ukuthengisa impahla yakho ukuqinisekisa ukuba ungakanani imali oya kuhamba nayo.
6. Kufuneka uqinisekise ukuba uza kuba nemali eninzi kwiirhafu zentlawulo. Ukwenza oku uya kuthatha intengo yokuthengisa yepropati yakho yinciphise isiseko serhafu ozibalileyo. Le mali iya kugunyazisa ukuba yiyiphi inkokhelo yentlawulo ezuzayo. Qinisekisa ukuba uthetha kunye nomgcini-akhawunti wakho, kuba kukho iingxaki apho uhamba khona kunye nemali encinci ekuthengiseni kodwa uhlawulwa kakhulu kwiintlawulo zentlawulo ephezulu ngenxa yokunciphisa ukubhalwa kweefayili ezithathwe kulo lonke ubunini bepropati.
Ukugcinwa
Isondlo esikhethiweyo: Ngaphambi kokuba kuthengiswe, uya kufuna ukufumana ifayili yakho ibheka kakuhle kangangoko. Eli lixesha lokulungisa nayiphi na imiba yesondlo oye wayibeka kuyo. Oku kungabandakanya ukudweba iindawo eziqhelekileyo, ukuphucula ukulungiswa komhlaba okanye ukunqanda isikhalazo, ukulungisa izindlu zangasese eziqhutywayo okanye iincinci ezincinci kwiiphampethi.
Ukuphuculwa kweNtengo : Kufuneka kwakhona ukuba ugqibezele ukuba kukho nawuphi na uphuculo lwentengiso ngaphambi kokuthengisa. Ingaba ukuphuculwa kuya kuvelisa ukubuyela okukhulu kunokuba kubiza? Umzekelo, ngaba unako ukubeka uphahla olutsha kwipropati ngaphantsi kwexabiso lemarike?
Ingaba kunengqondo ukutshala imali engaphezulu kwipropati? Ukuba awuzenzi olo phuculo, ngaba kuya kunciphisa amathuba okuthengisa? Ngaba uphahla olubi, ukubola okanye imingxuma ezindongeni kumvimbela umntu ekuthengeni ipropati?
Iingcebiso eziqhelekileyo
Yazise Abaqashi: Xa isakhiwo sakho sokuqashisa empeleni sithengiswa, abathengi baya kuba nako ukufaka ubuncinane enye iyunithi yerenti xa bebukeka kwipropati. Ngoko ke kuya kufuneka unqume ukuba uza kuzisa njani na nini na abaqeshi ukuba ubeka ipropati ukuthengiswa. Ngokuxhomekeke kubukhulu bepropati yakho, akufanele uxelele bonke abaqeshi ngenjongo yokuthengisa loo propati. Uya kukwazisa kuphela abaqeshi abanamagumbi abo ofuna ukuwabonisa kubathengi.
Ngamanye amaxesha abaqeshi bayesaba xa beva ukuba ipropati iya kunyuka. Baxhalaba kukuba baya kuthungulwa xa bethengiswa. Bakhathazeka nokuba umninimzi omtsha uza kulawula njani ipropati. Abanye abaqeshi baya kusebenzisa le nto njengethuba lokuzondla umninikhaya ngemibandela enengqiqo nangenangqiqo, ngoko qaphela ukuvumela abaqeshi badibane nabathengi.
Gcwalisa naziphi na izithuba: Ngaphambi kokuthengiswa, uya kuba neepesenti ezingama-100 kwindawo yokuhlala yakho. Ukuba unayo isithuba, musa ukusika iingcongolo ukuze uzame ukugcwalisa isithuba ngokukhawuleza. Qinisekisa ukuba ulandela inkqubo yakho yokucoca .
Ukuba ipropati yakho ayithengisi ngokukhawuleza, uya kubanjwa kunye nawuphi na umqeshi obeka kuyo kwipropati. Kananjalo awufuni ukubeka abaqeshi beengxaki kwipropati engayonakalisa ipropati ngexesha elifuneka libukeke lihle kakhulu. Kungcono ukuba ube neyunithi engekho ngaphandle komntu ohlala kumhlali obi.
Udliwano-ndlebe nabathengi : Uya kufuna ukufumana i-Realtor ukuba uluhlu lwepropati yakho yokuhlala. Ukuba sele usene-Realtor osebenze kunye nexesha elidlulileyo kwaye uzive ukhululekile kunye naye, ngoko konke usethe.
Ngaphandle koko, kuya kufuneka udliwano-ndlebe no-Realtors abaningana. Kubalulekile ukujonga ii-Realtors ezizodwa kwiindawo zepropati kunye nendawo othengisa kuyo. Amakhaya olusapho angabodwa okanye i-condos ayinakudinga umntu okhethekileyo, kodwa kwi-multifamily, impahla yokuthengiswa, impahla edibeneyo okanye ezinye izityalo-mali ezikhethekileyo, ufuna ukukhangela umntu ophumelele ukuthengisa uhlobo lwepropathi ozama ukuyithengisa. Cinga ngolu hlobo ngendlela abagwebi abazikhethela ngayo kwiinkalo ezithile ezifana nokuqhawula umtshato, isibheno serhafu okanye umthetho wequmrhu.
Nini ukuyibeka kwiMakethe? Izakhiwo zotyalo-mali azihambisani nemithetho efanayo yokuthengisa izakhiwo eziphambili kubaphathi bezindlu. Iimarike eziqhelekileyo zezindlu zithe zomelele entwasahlobo, njengoko iintsapho zizama ukungena kumakhaya abo amasha ngaphambi konyaka wesikolo esitsha.
Ngokubanzi, unokubeka ipropati yokutyalomali ukuthengiswa nanini na kunyaka. Unokubona umsebenzi ophantsi ngapha kweeholide okanye ngexesha lasehlotyeni.