09/28/2023

Xa uthenga okanye uxhasa ngemali, kubalulekile ukumisela ixabiso lemarike elichanekileyo lepropathi yakho.Ngaphandle kokuba umxhasi unokufumana i-Waiver yoHlolo lwePropati (i-PIW), ingxelo yokuvavanya iya kuba sisixhobo esibalulekileyo ekuqinisekiseni ixabiso lemarike yepropati.Abantu abaninzi babhidekile malunga nenkqubo kunye neendlela zokuvavanya ekhaya.Ngezantsi, siza kuphendula le mibuzo.

Ⅰ.Yintoni ingxelo yovavanyo?
Ingxelo yovavanyo ikhutshwa ngumvavanyi wezindlu oqeqeshiweyo emva kokugqiba uphando olukwisiza kwaye ibonisa elona xabiso lemarike okanye ixabiso lendlu.Ingxelo ibandakanya iinkcukacha zamanani ezithile ezifana nesquare footage, inani lamagumbi okulala kunye negumbi lokuhlambela, uhlalutyo lothelekiso lwemarike (CMA), iziphumo zoqikelelo, kunye neefoto zekhaya.

Ingxelo yovavanyo iphathiswe ngumbolekisi.Kubalulekile ukuqinisekisa ukuba ipropati icocekile kwaye igcinwe kakuhle phambi kokuba ivandlakanywe.Ukuba usanda kwenza uhlaziyo okanye uhlengahlengiso, nikezela ngemathiriyeli efanelekileyo kunye nee-invoyisi ukuze umbolekisi aqonde ngcono imeko yekhaya.

Ngokuthobela iiMfuno zoVavanyo lweNkululeko (AIR), ababolekisi-mali baya kukhetha ngokungenamkhethe abaxabisi ngokusekwe kwindawo ekuyo ipropathi ukuze kuqinisekiswe ukungathathi cala kunye nobulungisa kwinkqubo yovavanyo.Ukuthintela ukungqubana kwemidla, abavavanyi kufuneka bakuphephe ukuba nomdla wobuqu okanye wemali kwipropathi evavanywayo okanye umxhasi ocela ukuvavanywa.

Ngaphaya koko, akukho qela linomdla kwimali-mboleko elinokuthi libe nefuthe kwiziphumo zovavanyo nangayiphi na indlela okanye lithathe inxaxheba kwinkqubo yokhetho lomvavanyi.

Imirhumo yovavanyo iyahluka ngokwengingqi kunye nodidi lwepropathi.Xa ufaka isicelo semali mboleko, siya kukubonelela ngoqikelelo lweendleko zovavanyo.Iindleko ezizizo zinokuguquguquka, kodwa umahluko awubalulekanga.

Ⅱ.Imibuzo eqhelekileyo kuVandlakanyo

1. Q: Masithi indlu ivaliwe escrow & irekhodwe izolo.Zingaphi iintsuku malunga nokuya kuthatha ukuba ixabiso lale ndlu yamkelwe ngumvandlakanyi njengokuthelekiseka?
IMPENDULO: Ukuba ibirekhodwe izolo kwaye ulwazi olurekhodiweyo luyafumaneka, ingasetyenziswa namhlanje.Kodwa uninzi lweenkonzo esizisebenzisayo zidla ngokufuna malunga neentsuku ezisi-7 ukuyibona.Kule meko, unokubonelela ngolwazi lokurekhoda kwi-appraiser, kubandakanywa nenombolo yoxwebhu lokurekhoda.

2. Umbuzo: Umxhasi wenze iprojekthi evunyelweyo yokwandisa esele igqityiwe kodwa akakaluphumeleli uhlolo lokugqibela lwesixeko.Kule meko, ngaba indawo eyandisiweyo ingasetyenziselwa ukuxabisa?
IMPENDULO: Ewe, ummandla owandisiweyo unokusetyenziselwa uvavanyo, kodwa ingxelo yovavanyo iya kuxhomekeka ekuhlolweni kokugqibela kwesixeko, kanye ngokungathi indlu yintsha kraca, yaye imali-mboleko kusenokufuneka ilinde de kugqitywe uhlolisiso lokugqibela.Ngoko ke, kungcono uku-odola uvavanyo emva kokuba uhlolo lokugqibela lwesixeko lugqityiwe.

3. Umbuzo: Imeko ye-pool imbi, kunye ne-algae eluhlaza.Uza kuba nefuthe elinjani lo mba?
A: Kuyamkeleka ngokubanzi ukuba ingxaki ye-algae eluhlaza ayinzima kakhulu.Nangona kunjalo, ukuba kukho i-algae eninzi kangangokuthi awukwazi ukubona umzantsi we-pool, ngoko ayamkelekanga.

4. Q: Loluphi uhlobo lwe-ADU olwamkelekileyo kwaye lungabandakanywa kwixabiso lovavanyo?
A: Ukwamkeleka kwe-ADU kudla ngokunxulumana nokuba inayo na imvume.Abatyali-zimali okanye ababhala phantsi baya kubuza ukuba kukho imvume.Ukuba kukho enye, iya kuchaphazela ngokuqinisekileyo ixabiso.

5. Q: Ungaphikisana njani ngokuchanekileyo nangempumelelo ngakumbi ngexabiso lovavanyo?
A: Ukuba kukho ezinye izithelekiso ezingaqwalaselwanga ngumvandlakanyi, ezo zinokuqwalaselwa.Nangona kunjalo, ukuba uthe nje ukuba indlu yakho intle, ixabisekile, akuncedi nto.Ngenxa yokuba ixabiso lovavanyo kufuneka livunywe nguMboleki, kufuneka unike ubungqina bokuxhasa ibango lakho.

6. Umbuzo: Ukuba igumbi elongezelelweyo alinayo imvume, ixabiso lovavanyo aliyi kunyuka ngokuhambelanayo, akunjalo?
IMPENDULO: Abantu basoloko bexoxa besithi nokuba indlu ayinayo iphepha-mvume, kodwa yongezwe, isenexabiso.Kodwa kuMboleki, ukuba akukho mvume, akukho xabiso.Ukuba uyandisile indlu ngaphandle kwemvume, usenako ukusebenzisa indawo eyandisiweyo ukuba nje akukho ngxaki.Nangona kunjalo, xa ufuna iphepha-mvume, oko kukuthi, xa ufuna ukwandisa indlu yakho ngokusemthethweni, urhulumente wesixeko unokufuna ukuba uhlawule imvume ongazange uyifumane ngaphambili.Oku kuya kwandisa iindleko ezininzi, kwaye ezinye izixeko zinokufuna ukuba uqhaqhe indawo engazange ifumane imvume.Ngoko ke, ukuba ungumthengi, kwaye indlu oyithengayo ngoku inegumbi elongeziweyo, kodwa awazi ukuba kukho imvume esemthethweni, emva koko xa kufuneka wenze naluphi na ulwandiso kule ndlu, unokufuna ukuchitha. imali eyongezelelweyo ukuze ufumane imvume eyimfuneko, eya kuchaphazela ixabiso lokwenene lendlu oyithengileyo.

7. Q: Kwakule khowudi yeposi inye, ngaba isithili sesikolo esilungileyo siya kulinyusa ixabiso le-apreyizali?Ngaba umvavanyi uya kukunika ingqwalasela enkulu kumanqaku esikolo?
A: Ewe, eneneni, umahluko kumgangatho wezikolo zezithili ubaluleke kakhulu.Kuluntu lwaseTshayina, wonke umntu uyazi ukubaluleka kwezithili zesikolo.Kodwa ngamanye amaxesha i-appraiser ayinakuyiqonda imeko yendawo ethile, unokujonga kuphela kwisithili sesikolo ngaphakathi kwi-radius ye-0.5-mile, kodwa akazi ukuba isitalato esilandelayo sisithili sesikolo esahluke ngokupheleleyo.Yiyo loo nto kwimiba efana nezithili zesikolo, ukuba umxazululi akazithathi xesha ukuqonda, ii-arhente zezindlu nezindlu kufuneka zibanike ulwazi oluthelekisekayo malunga nesithili sesikolo esichaphazelekayo.

8. Umbuzo: Ngaba kulungile ukuba ikhitshi alinaso isitovu?
A: Kwiibhanki, indlu engenasitovu ithathwa njengengasebenziyo.

9. Umbuzo: Kwigumbi elongeziweyo ngaphandle kwemvume, njengokuguqula igaraji ibe yindlu yangasese epheleleyo, ukuba nje ikhitshi elibonelela ngegesi lingafakelwe, ngaba lingagqalwa likhuselekile?
IMPENDULO: Ukuba yonke indlu igcinwe kakuhle okanye ikwimeko eqhelekileyo, okanye akukho ziphene zicacileyo zangaphandle, umbhali ongaphantsi akayi kuba nexhala malunga nemiba yokhuseleko.

10. Umbuzo: Ngaba ungenza ifomu 1007 malunga nepropati eqeshisayo ukusebenzisa umvuzo wexeshana elifutshane?
IMPENDULO: Hayi, akunakukwazi ukufumana izithelekiso ezifanelekileyo zokuxhasa lo mvuzo wokurenta.

11. Q: Indlela yokwandisa ixabiso lokuvavanya ngaphandle kokuhlaziywa?
A: Kunzima ukwandisa ixabiso lovavanyo kule meko.

12. Q: Ukuphepha njani ukuhlolwa kwakhona?
IMPENDULO: Qinisekisa ukuba lonke ulwazi olunikezayo luchanekile kwaye lusexesheni, nto leyo enokunciphisa amathuba okuhlolwa kwakhona.Xa uphethe iinkqubo ezinxulumeneyo, qiniseka ukuba unikezela ngamaxwebhu achanekileyo, ubungqina kunye nezixhobo.Kwakhona, qinisekisa ukugqiba ukulungiswa okuyimfuneko ngokweemfuno, kwaye wenze uhlolo olufanelekileyo kunye nokugcinwa ukuqinisekisa ukuba indlu iyahlangabezana neemfuno.

13. Umbuzo: Lide kangakanani ixesha lokuqinisekisa ingxelo yovavanyo?
A: Ngokuqhelekileyo, umhla wokusebenza kwengxelo yovavanyo kufuneka ube phakathi kweentsuku ezili-120 zomhla wokuqatshelwa.Ukuba lidlula iintsuku ezili-120 kodwa lingabiziintsuku ezili-180, kufuneka kwakhona isiqinisekiso (iFom 1004D) senziwe ukuqinisekisa ukuba ixabiso lepropathi yesifundo alehlanga ukususela ngomhla wokuqalisa kwengxelo yovavanyo lwentsusa.

14. Umbuzo: Ngaba indlu eyakhiwe ngokukhethekileyo iya kuba nexabiso eliphezulu lovavanyo?
A: Hayi, ixabiso lovavanyo lixhomekeke kumaxabiso entengiselwano yezindlu ezikufutshane.Ukuba ulwakhiwo lwendlu lukhetheke kakhulu kwaye akukho kuthelekiseka okufanelekileyo kunokufunyanwa, ixabiso lendlu alinakuqikelelwa ngokuchanekileyo, nto leyo ekhokelela uMboleki ukuba asikhabe isicelo semali-mboleko.

Ingxelo yovavanyo ingaphezulu nje kwenani;Kubandakanya ubuchule kunye namava okuqinisekisa ukuba iintengiselwano ze-real estate zilungile kwaye zilungile.Ukukhetha umvavanyi onamava kunye nothembekileyo kunye nombolekisi uqinisekisa ukuba amalungelo akho kunye nomdla ukhuselwe kangangoko kunokwenzeka.I-AAA isoloko ibambelela kumgaqo womthengi kuqala kwaye ikubonelela ngezona nkonzo zichubekileyo nezinolwazelelelo.Nokuba uthenga ikhaya okokuqala, ufuna ukwazi ngakumbi malunga novavanyo lwekhaya, okanye ufuna ukwenza ireferensi ngaphambi kokuthenga indlu okanye ufake isicelo semali-mboleko, siyakwamkela ukuba uqhagamshelane nathi nangaliphi na ixesha.

Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS;enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume.Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke.Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye.Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile.Tyala imali ngokufanelekileyo kumngcipheko wakho.