Akunakufuneka ube ngumthengisi wokufumana ukuchithwa kokuthenga
Ama-agent asethempelini angekho kuphela afuna ukuhlola indawo enkulu kwimimandla ebiweyo okanye ephazamisekile. Ukusebenzisa olu luhlu lwemithombo yolwazi olukhangekileyo lwamahhala e-intanethi ungayifumana amakhaya ekungqatshelweni, ukuqala kwangaphambili, i-REO (i-Real Estate Ownership), iindawo ezithathiweyo okanye ezixinzelelekileyo malunga nokuba lula kunjengeyiphi na ishishini lokuthengisa. Kwaye inxalenye enkulu, ungasebenzisa isiphequluli sakho sewebhu uze wenze ukukhangela kwakho ekhaya.
Kulungile, ininzi yale nkonzo inikelwa ngokukhululeka okanye kunye nokuthenga okuncinci okuqhelekileyo kubandakanya ixesha lokuvavanywa kwamahhala.
Bank REO
I-REO ligama elisetyenziselwa ukuchaza ipropathi ebuyele emuva kumbolekisi emva kokuba i-auction foreclosure ayifumananga umthengi. Oku akuthethi ukuba umhlaba uphantsi kobubi kangangokuthi akukho mntu wayeyifunayo, uthetha kuphela ukuba ibhidi yokuvulwa efunekayo ayifumanwanga nayo ehlala isetyenziswe kwimali ehlawulwayo. Xa ixabiso-mboleko-mali liphakamileyo ipropathi ayinakuthi ibhidi kwaye i-asethi iya kubuyela kumboleki.
Ibhanki ye-REO ingaba ngumthombo omuhle wokufumana ixabiso elikhulu kwiimakethe zendawo. Baye baziwa ukuba bakhonze ezinye zezinto ezinokwenkqisa, ngoko nisisa ngophando lwakho.
Bank REO Izixhobo zophando
- Bank of America REO
- ISebe leBhanki yeBhanki & I-REO
- CitiMortgage REO
- I-5 yesibini yeBhan Bank
- Huntington REO
- Ibhanki eyiNtloko REO
- Abantu baseUnited Bank REO
- IiNkonzo zezeMali ze-PNC REO
- SunTrust Mortgage REO
- Wells Fargo REO
Olu luhlu lubandakanya iibhanki eziyaziwayo ezibandakanya indawo yelizwe okanye yengingqi. Ukuba ibhanki ofuna ukuyifumana i-REO ayifakiwe kuloluhlu, unokufumana ukuba iipropati ezinempahla yeebhanki ngokucinga ngegama lebhanki kunye nekota REO.
URhulumente oLowo
Amabhanki kunye nababolekisi bepropati abayena kuphela abanikazi bezindlu eziye zavalwa. Urhulumente unesigxina se-REOs, amakhaya aqingqiweyo, kunye nepropathi efunyenwe ngeendlela ezahlukeneyo, kubandakanywa iinkqubo zembuyekezo zemboleko ezifana ne-FHA (i-Federal Housing Administration) kunye ne-VA (iiMantshi). Iipropati ziyafumaneka ngokuthengiswa ngokuqhelekileyo kunye nentengiso .
- I-HomePath - I-Fannie Mae eneempahla ezithintekayo.
- I-HUD REO - UkuPhathwa kweZindlu kunye noPhuhliso lweeMihlaba
- I-HomeSales - Ukuzimela kwangaphambili kukaRhulumente kunye nokuthintela
- I-FHA REO - Iipropati zoLawulo lweZindlu zikaRhulumente.
- I-USDA-RD / FSA - uPhuhliso lwaseMaphandleni kunye ne-Arhente yeNkonzo yeeFama ii-REO
- Iipropati ze-IRS - iipropati ezibandakanya amakhaya kunye neentengiso ezibanjwe yi-IRS.
Nangona uluhlu lwethu ngasentla lufuna i-arhente ye-federal ukuba i-foreclosures, ungalibali ukuba urhulumente wengingqi okanye urhulumente weso sixeko unokuba neloluhlu lwazo lokuzimela. Ukuba unenhlanhla baye bafaka iipropati eziqingqiweyo nezibanjwe kwi-website elula ukuyisebenzisa. Kodwa ngokuqinisekileyo kuya kufuneka ukuba wenze uhambo oluya kwidolophu okanye kumabhalana wedolophu.
Ngokubanzi ukuQala ukuQala, i-REO, kunye noLuhlu lweePropati zeePropati
Iinkonzo ezimbalwa zokulandelwa kweenkonzo, i-REOs kunye nezinye iifom ezixinzezelekileyo ezihlanganisa uludwe kwi-database ekhangela kwiWebhu. Abanye banikezela uluhlu lwamahhala ngelixa abanye basebenzisa imodeli yokubhaliselwa ekuvumela ukukhangela inkonzo yabo ixesha elide.
Kwimeko ezininzi, ulwazi oluphambili malunga nepropati lufumaneka nangona ungabhalisi, kodwa abo babhalisa ngokuqhelekileyo kukho ulwazi oluchanekileyo nolwazi olubanzi olubandakanya ummandla wepropati, luye lwachithwa, lusetyenziswa njengebhuyibrari yezilwanyana, okanye iingxaki zokusingqongileyo ukuba zikhoyo.
Ezinye zabanikeli bethu abathandayo beenkonzo zibandakanya:
- I-RealtyTrac I-REO-Uvavanyo olukhululekile, ngoko kubhaliswa kwenyanga.
- Uluhlu lweeNgcaciso - uvavanyo lweentsuku ezingama-7, ngoko kubhaliswa kwenyanga okanye ngonyaka.
- Foreclosure.com - Isivivinyo samahhala, ngoko kubhaliswa kweveki nganye.
- I-Equator-Abasebenzisi abhalisiweyo, abangabhaliswayo banako ukugcina uphando, iipropati, imephu yokufikelela kunye nezinye iinkonzo.
AbaThengisi beeMpahla, iiRhafu kunye neeNkonzo zePropati
Ubuninzi bee-asethi zepropati ezifihlakeleyo malunga nokuvalwa kwangaphambili, i-pre-foreclosures, iipropati ezixinezelekileyo, okanye ii-REOs zide zide. Ngoku kwimihla le ntlobo yeepropati yinto enye enye inkonzo enokusetyenziswa ukutsala abathengi . Kungenxa yoko iinkonzo ezininzi zeendawo zangoku zibonelela ngokulula kwi-database yabo yeepropati ezixinezelekileyo.
- I-Realtor.com - Ikhaya elinikezelwe ngokusemthethweni kwi-National Association of Realtors linikezela ngokufikelela kwi-injini yosesho yepropati kunye nefayile ezicwangcisiweyo ngaphambili ukuba zikhuphe izibhengezo, izinto eziye zambona ukunciphisa intengo, kunye nemakhaya efikelelekayo kwiindawo ozifunayo. Uza kufumana iindaba zakutsha kunye nolwazi malunga neepropati ezixinzelelekileyo.
- I-Trulia - Inika inkqubo yokukhangela eyenziwe kakuhle equka isihlomelo esichazwe ngaphambili sokufumana iziganeko ezingaphambili kwiindawo ozifunayo. Ukuze ufumane i-foreclosures usebenzisa i-Trulia, yenza uphando olusisiseko ngedolophu, sebenzisa i- Filter yosesho olongezelelweyo kwaye ukhethe Ukuchithwa kwelo hlobo lokuthengisa uluhlu.
- I-Zillow - Ukunikezela ngeziko lokungcebeleka kunye nokufikelela kwizixhobo zokukhangela eziphambili ezinokukuvumela ukuba ufumene iziganeko ezinqamlekileyo, usebenzisa iindleko (okanye uqikelelo lweendleko), ummandla kunye nolunye. Uyakufumana kwakhona izikhokelo zokuthenga, ii-FAQ , kunye nesikhokelo kulabo abanokujamelana neengqungquthela ezichaza iinketho zakho.