Ngaba irente eqeshiweyo kumakhaya akho ikhona, kwaye ungayifumana phi? Rhoqo, ukuba amakhaya axeliwe ngaphambili, okanye kwinkqubo yokuthinjwa, umnini-khaya okanye uMgcini-mali angakwazi ukunceda.
Ukuxelwa kwangaphambili kweRhafu kumakhaya aBakho kuchaziwe
Ngobunzima bezindlu, abanye ababolekisi abanemali mboleko emakhaya baya kuthathela ingqalelo irente ukuze babenakho ukuthenga abathengi abafanelekileyo. Kwiimeko ezininzi, ezirenti kumakhaya abo ziya kunikwa kuphela abathengi basekhaya okanye abatyali mali abanamanani amahle okanye amahle kakhulu etyala. Abanye ababolekisi banokukhetha olu khetho ukunqanda ukubeka indlu kuthengiso.
Amanqaku afanelekileyo- Iingcebiso kubafazi abathenga iimoto ezisetyenzisiweyo
- Iinkonzo kunye neengozi zeRhafu kumakhaya abo
- Ungalithenga njani iKhaya eliXeliweyo
Uninzi lwamakhaya axeliweyo abekwe kwintengiso yentengiso athengisa ngexabiso elingaphantsi kwento ayityalayo ekhaya. Olunye urento kumakhaya akho ekutshatyalalisweni kunikezelwa ngabanini bekhaya kwaye unokufumaneka kwiintengiso ezikhethiweyo okanye kwiRealtor.
Khangela iRente kumakhaya abaNini
Ayingabo bonke ababolekisi abaya kuqaphela irente kumakhaya abo akuba amakhaya ebekelwe bucala. Ngokungafaniyo nokuthengisa okufutshane, apho umbolekisi ezimisele ukwamkela umnini khaya omtsha ngexabiso lokuthengisa ekhaya elingaphantsi kwento ayityalwayo ekhaya, irente kumakhaya abo kunye nezivumelwano zabo zisebenza ngokwahlukileyo. Foreclosed 'kwi-Intanethi, uya kufumana iinkampani ezininzi ezenza ibango lokuba zinokunceda. Uninzi lwezi nkampani lufuna imirhumo ephezulu ukuze likufumanele irente, kodwa ungazifumana wedwa.
Zimbini iindlela ezilungileyo zokufumana ingqeshiso yokuthenga iipropathi zasekhaya. Kuqala, zama ukukhangela icandelo lokuthengiswa kwezindlu kunye nomhlaba kumaphephandaba endawo yakho kwaye ubone ukuba ngaba lukhona na uluhlu oluthethayo iyathengiswa ngumnini . Abanye baba baninimzi, kodwa ayingabo bonke, abanokuthi babe kufutshane nokuxelwa kwaye endaweni yokujongana nokuvalwa baya kunika ingqeshiso yokuthenga ukhetho.
Okwesibini, zama ukuthetha noMbuyiseli mali kwindawo yakho. Uninzi luya kwazi malunga neepropathi ezikufutshane nokutsalwa kwaye zinokukunceda uthethe nomnini ukuze ubone ukuba ukurenta ngokwakho kunokwenzeka. Gcina ukhumbula ukuba ukuba uMbuyiseli akunceda ufumane irente kwikhaya lakho, kunokubakho umrhumo wekhomishini.
Iingcebiso ngokuthenga iRente eXeliweyo kumakhaya abaNini
Ukuba ufumana umninikhaya ejongene nokuchithwa efuna ukungena kwisivumelwano sokuthenga-kungcono ukuthenga igqwetha lokuthengisa izindlu nomhlaba, ngakumbi ukuba awuqinisekanga ngendlela esebenza ngayo le nkqubo. Kuba umninikhaya uzama ukunqanda ukubhengezwa, kungafuneka imvume kumbolekisi wabo ukuze angene kwisivumelwano esisemthethweni sokuqeshisa-kuthenga esine-escrow. I-Escrow iyakuqinisekisa ukuba ufumana ikhredithi yerhafu yenzala oyibhatalayo kwisivumelwano sokuthenga ikhontrakthi ngonyaka. Hlukana nabanini bamakhaya abajamelene nokuhluthwa kwaye bacele ukuba ubathathele intlawulo yemali mboleko yabo egameni labo, njengoko umninikhaya enokukukhaba, wena urenta, ekhaya xa ubambiso lwabo lusexesheni.
Ukuba ukhetha ukurenta ukuze ube nekhaya lomntu ojongene nokuxothwa, qiniseka ukuba ukuqeshisa ayisiyoqeshiso somnatha okanye ukuqeshisa apho uxanduva lwakho lonke ulungiso kunye nayo yonke irhafu yepropathi, ngakumbi kuba awuzukukwazi ukutsala ngexesha lerhafu. Ukongeza, lindela ukuba umninikhaya akucele ukuba ubonelele ngekopi yengxelo yakho yamatyala kunye nobungqina bomvuzo kunye nezalathiso. Unokufumana ingxelo yasimahla yasimahla kurhulumente kwiKhomishini yoRhwebo okanye i-FTC.
Inkqubo yeFeden Mae yokuQeshisa
UFannie Mae ukwabonelela ngenkqubo yokuQeshisa ngeTyala okanye i-D4L. Ukuba umninikhaya ujongene nokuhluthwa, kwaye bayakufanelekela, banokukhetha ukurenta ikhaya kwiirhafu ezifanelekileyo zokuqeshisa ukuze bahlale ekhaya. Ngelixa esi ayisiso isivumelwano sokuqeshisa ukuthenga inkqubo, uFannie Mae uzakusebenza nomnini khaya kwinkqubo yokulungiswa kwemali-mboleko ngexesha lokuqeshisa ukunceda ukunqanda ukuxothwa. Ukulungela le nkqubo intlawulo yenyanga yokuqeshisa akufuneki idlule ngaphezulu kweepesenti ezingamashumi amathathu ananye yomvuzo wakho wenyanga.
Ngamakhaya kuphela anemali-mboleko kaFannie Mae elungele le nkqubo. Ngexesha lenkqubo ye-D4L, uninzi lwabanini makhaya luya kuba nakho ukusebenza noFannie Mae ukubanceda bahlale kumakhaya abo endaweni yokuxelwa.
Ngolwazi oluthe kratya malunga nendlela yokufanelekela inkqubo ye-D4L eFannie Mae, ndwendwela eyabo Uncedo kubaRenters iphepha lewebhu .
Ukurenta Kumakhaya Abanini Kwisithselo
Njengayo nayiphi na ikhontrakthi yokuthengiswa kwezindlu kunye nokuba kuphakathi kwakho nomnini khaya ngoku- xa ufuna irente ebekiweyo kumakhaya akho, igqwetha lakho okanye uMmeli-mali akuncede. Ukuba uyavuma ikhontrakthi yokurenta nomninikhaya, unokucelwa ukuba ubonelele ngentlawulo ukuze uqiniseke ngobuzaza bakho.
Khumbula ukuba ukuqesha ukuze ube nekhaya kukuzinikela kwicala lakho, kwaye ukuba awuziva unakho ukwenza intlawulo yenyanga yerenti, kungcono ukuyiphepha. Xa uqeshisa ukuthenga izindlu nomhlaba, ngakumbi apho kungekho mntu uboleka imali ngokusesikweni, ayizukujonga kuphela ukuba uthenga kubani, kodwa zilungiselele ukuba uza kuba ngumxholo wokuzihlola ngokwakho.
