Amabhanki Afuna Ukuthengiswa Kwintengiso kwiShishini ezimfutshane

Ezinye iibhanki zorhwebo ezincinane zenza abadayisi bahlawule

E-California, ngokuchasene nomthetho kumthengisi omthengisi omfutshane ukwenza umnini-mthengisi kwigalelo elifutshane, kodwa kungenjalo kwamanye amazwe. Ngaphambi kokuba lo mthetho udlule, uShari wafumanisa indlela enzima ngayo ukuba ibhanki yakhe yayiza ngaphantsi kangakanani. Bobabini nomyeni wakhe belahlekelwe yimisebenzi yabo. Baye baphoqeleka ukuba bathathe umgama wamamayela angama-100 ukuya kude ukuze umyeni wakhe athathe umqeshwa omtsha kumvuzo omncinci ngenkathi ehlala kwindawo encinci, kwigumbi lokulala.

Ukukhangela isana esesandleni sakhe, u-Shari wayekhalazi xa evalela ibhanki yakhe yokuqala ngaphambi kokukhutshwa kwemvume emfutshane .

Ibhanki yathi uShari wayenomdla ophezulu kakhulu weentengo zemali, kunye ne- FICO kuma-800s aphezulu, kwaye wabona ukuba uShari wayenomgca wesikweletu semali esingafunekiyo. I-VISA yakhe yayinomlinganiselo ongaphambili we-$ 10,000. Ibhanki yacela uShari ukuba amthinte ikhadi lekredithi kwaye anike i $ 10,000 kwibhanki. Ukuba uShari akakwazanga ukuhlawula i-VISA, ibhanki ayikhathalele. Akuzange ikhuphe iVISA.

Ngamanye amazwi, umyalezo webhanki wawuphindwe kabini: U-Shari umele ahlasele umlinganiselo wakhe wekredithi aze akhohlise i-lending institution. Ibali lokwenyani. Ndammela loo mthengisi.

Kutheni iibhanki zifuna umnini-ntengiso

Ibhanki sele isidla kwiifutshane ngokuthengisa okufutshane . Ibhanki inokuba yenza imali mboleko, ithi, i-$ 500,000 kwaye, kwezinye iindawo ze-Sacramento ngo-2008, umzekelo, ixabiso lawa ngama-50%. Ukuba ibhanki ithatha loo ndlu ngephanga lokungcebeleka , iya kulahleka kwi-$ 250,000 ubuncinci bokutshala imali yokuqala.

Ditto ngokuthengisa okufutshane.

Umthengisi unomtsalane wokuthengisa ngokufutshane kuba kukho iinzuzo zokwenza ukuthengiswa okufutshane ngokuchaneka . Ngoko ke, umthengisi yinto ebhankini inokuzama ukuyifakraza. Ngenxa yokuba inako.

Nazi ezinye iibhanki ziyakwazi ukucela inxaxheba yomthengisi:

• Umthengisi unemali engenayo. Uninzi lweebhanki lihlola ingxelo yemali yomthengisi ukuqinisekisa ukuba ingakanani imali ezayo endlwini kwaye imali ephuma ngayo. Amabhanki avumela ukunikezelwa kweendleko ezithile. Ukuba umthengisi unemali eseleyo ekupheleni kwenyanga, ibhanki inokuyicela.

• Umthengisi uhlaziye kwaye wakhupha imali kwikhaya. Enye into yokuba umthengisi uhlaziye ukuhlawula umyinge ophezulu okanye uzalise iphrojekthi yokuphucula ikhaya. Yinto enye into ukuba umdayisi uthenge isikebhe esikhulu-honkin. Ukuba ukubuyiswa komthengisi okwexeshana, ibhanki ingacela ukuba umthengisi abe negalelo. Ibhanki iya ku- BPO . Abayi kuphuhlisa ngokutsha ipropati. Bafuna ukunciphisa ilahleko kangangoko kunokwenzeka. Ukuba intengo yokuthengisa ayikho ephezulu ngokwaneleyo ukunika ibhanki inetha elifunekayo, ibhanki ingacela umdayisi ukuba athathe umdahluko.
• Izikhokelo ze- PSA zifuna umthengisi. Abatyalomali bafuna ukubuyela kwi-investment yabo, kwaye izikhokelo ze-PSA zisetyenziselwa ukubonelela ngenzuzo. Ezi zikhokelo zithetha ukuba bonke abafaki-mhlaba kule ndawo kufuneka benze igalelo lomthengisi ukulungiselela ukuthengiswa okufutshane.
• Umthengisi akanakho ubunzima bezezimali. Amabhanki amaninzi aya kuvuma ukwenza ukuthengiswa okufutshane ukuba umthengisi uhlupheke kwiintlobo ezahlukeneyo zobunzima obungafanelekanga ngokwemali. Nangona kunjalo, ukuba umthengisi unelungelo lokuhamba kwemali enamandla, ibhanki inokufuna inxalenye yalo.
• Imithetho kaRhulumente inokuvumela ukugwetywa kwesigwebo . Xa ibhanki inelungelo lokuqhuba umthengisi ngokwahlukileyo phakathi kwemali ye-mortgage kunye ne-short-fall-fall, ibhanki inokukhetha ukuxoxisana nomthengisi ngaphambi kokuba imvume yokuthengisa emfutshane. Le ntetho ingabandakanya inxaxheba yomthengisi.

Uhlobo lweNkampani yokuThengisa iBhanki eliShishini elifutshane liyakwamkela

Eyona nto ibhetele kuyo yonke ihlabathi, ibhanki ingathanda ukuba umthengisi abuyisele ityala lonke, kodwa iibhanki ziyazi ukuba abathengisi abaninzi abanengqiqo abayivuma ukuthengisa okufutshane phantsi kwezo meko. Kungenxa yokuba umdayisi unokufumana ezinye iindlela ezifana nokuguqulwa kwemboleko , ukuchithwa okanye ukuchithwa. Ngoko, iibhanki zifuna enye yezinto ezimbini okanye zombini:

• Cash . Nangona ibhanki inelungelo lokucela yonke into eyahlukileyo, iibhanki ezininzi ziyaqonda ukuba abathengisi abanalo hlobo lwemali okanye bengenako ukuthengisa okufutshane. Akuqhelekanga ukubona izicelo ezihluka kwi-2 ukuya kwi-10 ekhulwini ze-shortfall.
• Inqaku eliqinisekisiweyo lokuqinisekisa . Iintetho zeengxowa-mali kodwa amanqaku athembisayo asisisombululo. Ngokuqhelekileyo, izicelo zee-prom ziphakamileyo kunezicelo zemali. Kodwa iibhanki ziya kuvuma ukuba zivumelane nemigqaliselo engenayo inzala kunye ne-3 ukuya kwe-15 yemali yokubuyisela inqununu.

Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.