Zama Ukungabi Nciphise I-Contingency yakho yeMali
Xa ndithenge indlu yam yokuqala efuna ukuxhaswa kwemali, ndiqinisekisile ukuba isivumelwano sokuthengwa sineengxaki zemboleko. Ukuba nemboleko yemboleko kwikhontrakthi kuthetha ukuba nayiphi na into encinci engaphumelekanga ngokuthengwa kwekhaya lam elitsha kunye nesizathu esithile, naziphi na izizathu ezingavumelekanga ukuba umnini-mboleko akanako ukwenza imali mboleko kum, ngoko ndiza kukhutshwa kumbopheleleko wam ukuthenga ekhaya.
Kuze kube ngoloo nqanaba, onke amakhaya endithe ndathengwa athengwa ngendleko zemali .
Kwakungekho nto yokubolekwa kwemboleko kwintengiso yomthengisi okanye isivumelwano somhlaba . Emva kokuba ndayisayine isivumelwano somthengi, ndandifuna kakhulu ukuhamba kunye nokuthengiswa kwekhaya, ngaphandle kwexesha lokuhlola. Kwakungekho naluphi na uvavanyo lwengxelo kunye nomnini-mali.
Ngethuba lexesha leentengo eziphantsi-nzala, umnini-mali uyaxhaswa ngabantu abambalwa, ngaphandle kwekhredithi enzima, zama ukusebenzisa umnini-mali ukuthenga ikhaya. Enye into engafanelekanga ukuba i-home itself ayifanelekele ukuxhaswa ngemali, ngoko umthengisi unokuqwalasela umnini-mali. Kodwa abathengisi abaninzi kwiimarike eziqhelekileyo zezindlu zithanda ukuba umthengi ahlawule imali okanye afumane mboleko ukuthenga ikhaya.
Iikhontrakthi zithengi nge-Contingency yeMboleko
Iintlobo zeenkontileka zokuthenga ezisetyenziswa e-United States zihluka ukusuka kwelinye ilizwe ukuya kwelinye, kodwa ininzi yazo iya kuvumela ixesha lokuhlawulwa kwemali mboleko. Ukongeza kwimeko yokubolekwa kwemali-mboleko, isivumelwano sokuthengwa sokuhlala njengalezo ezisetyenzisiweyo eCalifornia, umzekelo, sinokuquka i-appraisal contingency, ehlukileyo kwimeko yokuboleka imali.
Izivumelwano zithengi ngokubanzi zibonelela ngenani elithile leentsuku ngokungagqibekanga kwemvumelwano ukufumana isiqinisekiso sokuba mboleko ivunyiwe kwaye umthengi uya kuvunyelwa ukusebenzisa imali. Eli xesha li no kusuka kwiintsuku ezi-7 ukuya kwezingama-30, kunye namaxesha amaninzi afudukela kumanqaku amathathu ukuya kwe-4. Yingakho kubaluleke kakhulu kumthengi wekhaya ukuhambisa onke amaxwebhu omboleko apho igosa lemboleko licela ngokukhawuleza.
Naziphi na ukulibaziseka ekuhambiseni amaxwebhu eemali ezifunekayo kunokubangela ukulibaziseka kwimvume yokugqibela yemboleko.
Xa iCredit Contingency iphela
Kwamanye amazwe, xa ixesha lokuboleka imali liphelile, umthengi uphuma ngexesha. Ukuba umboleki womthengi akavunywanga ngeli xesha, oko kubi kakhulu. Umthengi angacela ukongezwa, kodwa abathengisi abahlala befuneka ukuba bavumele. I-TIP: Musa ukwenza impazamo yokucinga ukuba unayo yonke ixesha ehlabathini ukunika ikopi yakho yeendleko zeerhafu zakho kunye nokubonelela ngolwazi lwakho lwebhanki kuba iwashi kaninzi ukukhawuleza.
Kwamanye amazwe afana neCalifornia apho iikontraki zithengi zivame ukuthanda umthengi, ukuba umthengi angasusi umthwalo wemboleko ngosuku lokugqibela, umthengisi angathatha amanyathelo okucima isivumelwano emva kokukhishwa kweSaziso sokwenza . Ukuba umdayisi akawuthathi namanyathelo omthetho ukunyanzelisa ixesha elifanelekileyo, lihlala. Akusiyo ingcamango enhle yokuba nethemba lokuba umthengisi waseCalifornia uya kukhulula umqathango wokubolekwa kwemali ngenxa yokuba abaninzi abathengisi bamelwa ngabaphathi bezahlulo abaya kubakhumbuza ngamalungelo abo phantsi kwesivumelwano.
Ndidla ngokufumana ukunganyangeki kwamagosa athengiyo xa ndifumana i-arhente yoluhlu ndicela ukukhululwa kwemali mboleko kumthengi.
Bacela ixesha elide okanye, kwezinye iimeko, bawutshabalalisa ngokupheleleyo ngenxa yokuba, nangona sizathu, mhlawumbi abavumi ukuba batshabele abathengi babo ukuba banamathele kwisivumelwano. Ukuba abathengi badinga ixesha elide, nangona kunjalo, asivumelekanga ukuba sinikezele ngokuthetha kakuhle ngoba izivumelwano zethu zaseCalifornia zivumela ukuba umthengi angenise isicelo esifanelekileyo esibhaliweyo sithuba esithile. Zonke izivumelwano kunye nezivumelwano mazibe zibhaliweyo ngokukhusela wonke umntu.
Yintoni eyenzekayo xa Ukubhalwa Kwetyala Kulahla Imali?
Umbuzo ovame ukuvela kumthengi ongagunyaziwe ngemboleko kodwa ukhululile umthwalo wemboleko okanye nayiphi na isizathu esilahlekile ukukhuselwa kwemboleko kwimeko yesithenti sokuthenga. Ingaba umthengisi angayithenga umthengi? Ingaba umthengi uya kulahlekelwa yimali yakhe? Yintoni esemngciphekweni?
Umngcipheko kunye nemiphumo iyahluka ukusuka kummandla ukuya kwilizwe.
Uninzi lunokungahambi kakuhle ekubhalweni . Abathengi basekhaya abacinga ukuba bavunyelwe ukubolekwa ngemboleko ngenxa yokuba i-mboleko yabo ibanike incwadi ebhaliweyo phambi kwesicelo semboleko ingasifumana kamva ukuba ukubhala phantsi akuyi kuvunyelwa mboleko. Akukho ngokwenene izinto ezifana ne-slam-dunk mboleko mboleko . Zininzi izizathu zokubhaliweyo phantsi kwenkunkuma. Abo bathengi basekhaya abanemvume yokubolekisa imali ngokuqhelekileyo banokukhansela inkontileka kwaye bafumane imali yokubuyisela imali yabo.
Ukuba abathengi basekhaya abanako ukufumana imali mboleko ngenxa yovavanyo lwangaphambili, kuba uvavanyo lwangena kumgangatho ophantsi kwaye umthengisi akayi kunciphisa intengo yokuthenga, leyo yinto enesizathu sokususa. Kodwa ukuba ukhuselwe ngokupheleleyo kule meko, unayo inemeko yokubolekwa kwemboleko kunye nokuhlolwa kweengxaki. Qinisekisa ukuthetha ne-arhente yakho yendawo yokuhlala ngaphambi kokusayina isivumelwano somthengi ukufumana ukuqonda ngokucacileyo indlela umboleko-mboleko osebenza ngayo kwimeko yakho.
Ngexesha lokubhala, u-Elizabeth Weintraub, uBRE # 00697006, ungumthengisi-Associate eLyon Real Estate eSigramento, eCalifornia