Akudingeki ukuba ube ngumthengisi wokuthola ukubikezelwa kokuthenga
Ama-agent agent asezindaweni akuzona kuphela ezikwazi ukuhlola okuningi emakhaya asuselwe noma acindezelekile. Ukusebenzisa lolu hlu lokusesha okungaxhunyiwe ku-intanethi ungathola izindlu ekubhujisweni, ngaphambi kokuvalwa ngaphambili, REO (Izakhiwo Ezibekiwe), ezithathiwe, noma izakhiwo ezicindezelekile njengokulula njengokungathi noma ubani ebhizinisini langasese. Futhi ingxenye enkulu, ungasebenzisa isiphequluli sakho sewebhu futhi wenze usesho lwakho kusuka ekhaya.
Ngcono nakakhulu, eziningi zalezi zinsizakalo zinikezwa mahhala noma ngokubhaliselwe okuncane okuvame ukufaka isikhathi sokuhlola samahhala.
Bank REO
I-REO igama elisetshenziselwa ukuchaza impahla ebuyele emuva kumbolekisi emva kokuthengiswa kwendayithi engatholakali umthengi. Lokhu akusho ukuthi impahla isesimweni esibi kangangokuthi akekho owayifunayo, kusho kuphela ukuthi ibhidi yokuvulwa edingekayo ayitholakalanga okuyinto evame ukusethwa emalini ebolekiwe yemalimboleko. Lapho ukubolekwa kwe-loan-to-value kuphezulu indawo ingeke ibhade futhi impahla ibuyisele kumbolekisi.
I-Bank REO ingaba umthombo omuhle wokuthola inzuzo enkulu emakethe yezindlu zangempela. Bayaziwa futhi ukuthi bakhonza ezinye izitshalo zangempela, ngakho-ke funda ucwaningo lwakho.
Ama-REO Amathuluzi wokusesha
- I-Bank of America REO
- I-Branch Banking & Trust REO
- I-CitiMortgage REO
- I-Fifth Third Bank REO
- Huntington REO
- Ibhange le-Key REO
- I-United Bank ye-REO yabantu
- Imisebenzi Yezezimali ze-PNC REO
- I-SunTrust Mortgage REO
- U-Wells Fargo REO
Lolu hlu lubandakanya amabhange awaziwayo ahlanganisa izindawo zikazwelonke noma zesifunda. Uma ibhange oyifisa ukufuna ama-REO alifakiwe kulolu hlu, ungathola ukuthi izimpahla ezinamabhange ngokusesha egameni lebhange kanye ne-REO.
Uhulumeni Owenziwe
Amabhange kanye nababolekisi bempahla akuzona kuphela ezinezindlu zangasese eziye zavalwa. Uhulumeni unamakhemikhali e-REOs, amakhaya aqashwe, kanye nempahla ayitholayo ngezinye izindlela, kufaka phakathi izinhlelo zokuqinisekisa izikweletu ezifana ne-FHA (Federal Housing Administration) kanye ne-VA (Veterans Affairs). Izakhiwo zitholakala ngokudayiswa okujwayelekile kanye nendali .
- I-HomePath - U-Fannie Mae onqunyelwe izibopho.
- I-HUD REO - Ukuthuthukiswa kwezindlu nezindlu zasemadolobheni
- I-HomeSales - Ukubikezelwa kukaHulumeni nokuqothulwa
- Izindawo ze-FHA REO - Federal Housing Administration.
- USDA-RD / FSA - Ukuthuthukiswa Kwezindawo Zasezindaweni ZasePulazini kanye ne-Farm Service Agency REOs
- Izakhiwo ze-IRS - izakhiwo ezihlanganisa amakhaya nezakhiwo zangempela ezithathwe yi-IRS.
Nakuba uhlu lwethu ngenhla lufuna ukusesha ama-federal agents for foreclosures, ungakhohlwa ukuthi uhulumeni wakho wendawo noma uhulumeni womuzi kungenzeka ukuthi uneloluhlu lwakhe lokungena. Uma unenhlanhla baye bafake izakhiwo ezifakiwe nezibanjwe kwiwebhusayithi elula ukuyisebenzisa. Kodwa cishe cishe kuzodingeka uhambo oluya kubalunga noma e-city.
I-General Foreclosure, i-REO, ne-List of Property Listings
Izinsiza ezimbalwa zokuhamba phambili kwezinsizakalo, i-REOs, kanye nezinye izinhlobo zephithiphithi ehlanganisiwe ehlanganisa uhlu ohlwini lokusesha lwamafayela kuWebhu. Abanye banikeza uhlu lokukhululeka ngenkathi abanye basebenzisa imodeli yokubhalisa evumela ukuthi ufune isevisi yabo isikhathi esithile.
Ezimweni eziningi, ulwazi oluyisisekelo mayelana nempahla luyatholakala ngisho noma ungabhalisi, kodwa kulabo abhalisa ngokuvamile kuvumelanisa kahle ulwazi oluningiliziwe kufaka phakathi isimo sokuthi impahla isendaweni, isetshenzisiwe, isetshenziswe njengelabhu yezidakamizwa, noma ukukhathazeka kwemvelo uma kukhona.
Abanye abahlinzeki bethu abathandayo bala masevisi bafaka:
- I-RealtyTrac REO - Isivivinyo samahhala, bese kubhaliswa njalo ngenyanga.
- Ukufakwa ohlwini kwe-Foreclosure - ukuhlolwa kwezinsuku ezingu-7, bese kubhaliswa nyangazonke noma ngonyaka.
- Foreclosure.com - Isivivinyo samahhala, bese kubhaliswa masonto onke.
- I-Equator - Abasebenzisi abhalisiwe, abhalisiwe bangagcina ukusesha, izakhiwo, ukufinyelela kwamamephu, nakwezinye izinsizakalo.
Ama-Estate Agent, Abathengi, Nezinsiza Zempahla
Iminyaka yama-agent agents efihlekile mayelana nokubikezelwa, ukulandelwa kwangaphambili, izakhiwo ezicindezelekile, noma i-REOs ihambe isikhathi eside. Manje usuku lezi zinhlobo zezakhiwo zingenye enye isevisi engasetshenziselwa ukuheha abathengi . Yingakho izinsizakalo eziningi zezindlu zangasese zinikeza ukufinyelela okulula kwi-database yabo yezakhiwo ezicindezelekile.
- I-Realtor.com - Ikhaya elivunyelwe ngokusemthethweni leNational Association of Realtors linikeza ukufinyelela mahhala kwensiza yokusesha yendawo kanye nezinhlanzi ezifakwe ngaphambili ukuze zikhishwe izikhonkwane, izindawo eziye zabona ukunciphisa intengo, kanye nemakhaya engabizi emiphakathini oyifunayo. Uzothola izindaba zamuva kanye nolwazi mayelana nezakhiwo ezicindezelekile.
- I-Trulia - Inikeza uhlelo lokusesha oluhlelwe kahle olufaka isihlungi esichazwe ngaphambilini sokuthola okuyimfihlo emiphakathini oyifunayo. Ukuze uthole ukuhamba phambili usebenzisa i-Trulia, yenza usesho oluyisisekelo edolobheni, bese usebenzisa Isihlungi Esengeziwe Sokucinga futhi ukhethe Okungavumelekile kohlobo lokuthengisa kuhlu.
- I-Zillow - Inikeza isikhungo sokungena esiphezulu esinokufinyelela kwamakhono okuphenya okuphambili okungakusiza ukuthi uthole ukubikezela usebenzisa izinyathelo eziningi, kufaka phakathi izindleko (noma izindleko zamanani), umakhelwane kanye nokuningi. Uzothola iziqondiso zokuthenga, ama-FAQ , ngisho nomhlahlandlela walabo abangase babhekane nokubikezela okudalula ukuthi yini ongakhetha kuyo.