Amagumbi Okubhukuda Amatyala Adala I-Title Title Nightmares
Iimfuno zabaxhamli azinayo amaxwebhu aqhelekileyo kubo abaninzi abaninikhaya, kungakhathaliseki ukuba bahlala kwikhaya elingakanani, kwaye kungenxa yoko. Kwiintsuku ezindala, ngaphambi kokungcola komoya kube yinkxalabo, abanikazi basekhaya basebenzisa ukutshisa udoti kunye nenkunkuma kwindawo zabo zangaphambili. Abazali bam babe nomtya omnyama omnyama kunye nesiqhekeza esinamandla, kwaye siwubeka ngomlilo kanye ngeveki okanye njalo. Ndandisoloko ndisebenzisa ukugcoba i-wieners phezu kwerhafu yam inomlilo ingaba yintsana.
Kwakhona kwakuqhelekileyo ukuqhuba kwakhona ngaloo mihla ukugcina imibutho yokutshisa imali. Abanikazi abasanda kukhulula-abavela ekhaya abaza kubamema bonke abahlobo babo ukuya kwindlu ukuba badle, basele iziyobisi, bahlali kwaye bajonge bawushise umboleko wecala elivuthayo.
Ingxaki ebalulekileyo eyenziwa yimibutho yokutshisa imali yabanini bekhaya babehlala bethumela ukubuyisana kwabo ngokutsha komsi. Ukuxhaswa kwezenzo zokubuyiselwa kwamatangatye kuthetha ukuba akukho bungqina kwiirekhodi zoluntu ukuba imali yabo yokubolekwa kwemali ihlawulwe ngenxa yokuba amaxwebhu abalulekileyo ayatshatyalaliswa. Unokucinga ukuba inani leetayitile zeengxaki ezibangelwa yimibutho yokutshisa imali.
Kutheni i-Beneficiary Demand Ixesha langaphandle?
Isizukulwana samanini ekhaya namhlanje sinokukufumana kunzima ukufanekisela ukufumana ikhaya elikhululekileyo nelisicacileyo setyala. Kungenxa yokuba isenzo esamkelekileyo phakathi kwabaninzi bezindlu zezindlu ezingama-21 se-Century ukulungiswa kwemali-mboleko yabo yonke imihla xa kuthengiswa ixabiso lentengo yemithwalo yemithwalo yemali , nangona kuncinane nje ngekota yekota iyancipha kwizinga.
Ingxaki yokukwenza ukuhlaziywa - ngaphandle kokuhlawula imali eyongezelelweyo yemali-mboleko ngaphandle kwe-pocket okanye ukuxhoma loo ntlawulo kwimali-mboleko-ngaphandle kokuba ukhetha ixesha lokuncishiswa kwexesha elifutshane, uwandisa ixesha lakho lomboleko. Ukuba uhlaziya ikhaya emva kweminyaka emihlanu, ungeze iminyaka emihlanu kwixesha lakho lokuthenga imali .
Esikhundleni sokuhlawula imali yokuthenga ngemali eminye iminyaka engama-25 kwilo xesha, ixesha lakho lemali-mboleko ngoku liyiminyaka engama-30 okanye engama-40, ngokuxhomekeka kwimali ekhethiweyo. Abanye ababolekisi benza iimali-mboleko zeminyaka engama-50.
Akuzange kube njalo ngale ndlela. Xa ndiyinkwenkwe kwiminyaka yama-1950, abantu basebenzise ukugcina imali kwikhokhi yecookie, mhlawumbi bayifake phantsi kwe-mattress okanye behla baye ebhankini baze bayifake kwi-akhawunti yokugcina i-passbook. Xa basindise ngokwaneleyo, bawisela umrhumo wenkxaso-mboleko kumntu-mboleko kwaye bahlawula imali.
Namhlanje, abaninzi abaninikhaya bafumana umrhumo wokufumana umxhamli xa bethengisa indlu kwaye basebenzise imveliso yentengiso ukuze bahlawule imali yabo. Kungumzuzu osondeleyo kuba emva kokuba kuthengiswa ikhaya, bathenga indlu enkulu, ebiza kakhulu enomyinge omkhulu. Kweminye, umjikelezo awupheli.
Yiyiphi iMfuno yoNcedo?
Umrhumo oxhamlayo uyincwadi evela kwiziko lezemali elithatha inqaku lakho lokuthengisa kunye nemali yokuboleka imali. Ichaza ngokucacileyo oko kuyimfuneko ukukhulula umbolekayo kwi-matyala kwaye ubeka ulwazi olu lulandelayo:
- Igama leziko lokuboleka.
- Idilesi nenombolo yefowuni yeziko lokuboleka.
- Inombolo ye-akhawunti yomboleko okhoyo.
- Igama lomboleki (s).
- Umhla wokufunwa kwemfuno.
- Ibhajethi ekhoyo yangoku.
- Umgangatho wenzala.
- Umhla apho inzala ihlawulwa khona.
- Imali yokukhutshwa.
- Intlawulo yemali.
- Imali yokurekhoda.
- Ukuhanjiswa okanye i-FAX.
- Umdla wansuku zonke.
- Umhla apho imfuno iyasebenza, ngokubanzi iintsuku ezingama-30.
- Imirhumo yokugqibela, ukuba kukho.
- Ezinye iindleko, ukuba zikhona.
Ukuba umboleki-mali akafumani iimali ezihlawulwayo ngexesha elichazwe kumfuno oxhamliweyo, umxhamli uyafuna ukuphelelwa yisikhathi, kwaye kufuneka umyalelo omiselweyo ongenelwayo. Kwakhona, ababolekisi baninzi balindele ukuba inzala ihlawulwe kuze kube ngumhla owamkela ngayo imali, ngoko ke amaninzi amanqaku athathwe ngokukhawuleza, kunye nokugqithiswa kwemali kubuyela kumboleki emva kokuhlawulwa.
Ingaba njani iNkcazo yomNcedisi eyahlukileyo kwiNkxaso yoMxhamli?
Ingxelo yomxhamli nje yileta ejongene nemeko yemboleko. Ababoleki abafumana imboleko yemali yezindlu okanye i-mortgage yesibini badla ngokufuneka ukuba bangenise isitatimenti somxhamli kwi-first mortgage holder ukuze baqinisekise imeko yomboleko.
Abanye ababolekisi baya kwamkela ikhophi yesitatimende sokugqibela sembolekiso ngenxa yokuba banolwazi olufanayo.
Isitatimende esixhamlayo sichaza oku kulandelayo:
- Igama leziko lokuboleka.
- Idilesi nenombolo yefowuni yeziko lokuboleka.
- Inombolo ye-akhawunti yomboleko okhoyo.
- Igama lomboleki (s).
- Umhla woxhamli kwinkcazo.
- Ibhajethi ekhoyo yangoku.
- Umgangatho wenzala.
- Umhla apho inzala ihlawulwa khona.
- Imali yokulungiswa kwemali.
Igosa elijongayo lixelele ukuba ababolekisi banokufumana izicelo ezimbalwa zeengxelo ezixhamlileyo namhlanje, abaninzi abanokwazi ukulungiselela isitatimende somxhamli. Abanye ababolekisi bathumela abaxhamli bemfuno xa i-escrow icela isitatimenti somxhamli kwaye ibonakala ingakwazi ukwahlula phakathi kwemfuno yomxhamli kunye nesitatimenti somxhamli.
Kodwa ubuncinane uyakwenza.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.