Nangona ukuthengisa okufutshane kufaka ukunikela ekhaya ngokuthengiswa, ngokubanzi kubhalwe kwi- MLS .
Abathengi basekhaya abanokumisela ukuba bajonge ikhaya, abanye baya kwenza i- lowball inikezelo , ii-agents zingabamba izindlu ezivulekileyo kwaye, ngokubanzi, ubomi bomdayisi buya kuphazamiseka, zonke izinto ezinethemba lokuba umthengi uya kuthenga ikhaya.
Iisiseko zoThengiselo olufutshane
Ukuthengisa okufutshane kufumaneka xa umnini-mboleko evuma ukungamkeli ngaphantsi kwexabiso elihlawulwayo ekhaya okanye ngenxa yokuba akukho nto ilinganayo yokuthengisa nokuhlawula zonke iindleko zokuthengisa. Bonke ababolekisi baya kuxoxisana nokuthengiswa okufutshane, kwaye yintoni ke i- agent ye-estate okanye igqwetha linokuba luncedo olukhulu ngokuqhagamshelana neSebe elijongene nokunciphisa ukulahlekelwa.
Awukwazi ukuvuka nje kusasa ngolunye usuku uze wenze isigqibo sokuba uza kuthengisa ikhaya lakho ngokulahlekelwa ngokucela ukuthengiswa okufutshane. Kwakusetyenziswe ukuba ngababolekisi abanakuze baqwalasele ukuthengiswa okufutshane ukuba iintlawulo zenu zikhoyo, kodwa oko kuye kwatshintshile. Nangona kunjalo, qaphela ukuba ababolekisi baya kuba bavumi kakhulu ukuxoxisana ukuba iintlawulo zakho zihlawulwe emva.
Ngaphezu koko, ukuba unempahla yeemali, umboleki-mali angazama ukuzithela ezo akhawunti.
Ikhredithi yeThengi yeThengi eFutshane?
U-Isaac onobuhle ukhululile ingxelo ethi izikolo zetyala zichaphazelekayo ngokufanayo, nokuba umthengisi wenza ukuthengisa okufutshane okanye ukuchithwa. I-Fair Issac ithi amaphuzu avareji alahlekileyo kwinqanaba le- FICO zilandelayo:
- Kwiintsuku ezingama-30 ngokukhawuleza: ama-40 ukuya kwi-110 amanqaku
- Kwiintsuku eziyi-90 ngokukhawuleza: ama-70 ukuya kuma-135 amanqaku
- Ukuchithwa, ukuthengiswa okufutshane okanye usebenze-kwindawo: 85 ukuya ku-160
- Ukuphawula: 130 ukuya ku-240
- Ukuqhawula okanye ukuSebenza-kwindawo-yeNgqungquthela: Ezi zimbini zisombululo zichaphazela i-credit efanayo, utsho uDavid umphathi we-Vitek Mortgage. Abadayisi baya kuthatha amanqaku angama-200 ukuya kuma-300, ngokuxhomekeka kwimeko yonke yekhredithi. Oku kuthetha ukuba umlinganiselo we-FICO yomthengisi ngaphambi kokuba ukugqithiswa kube ngu-680, ingadibanisa ibe ngaphantsi kwe-380.
- Ukuthengiswa okufutshane: I- Steep igcina ukuba isiphumo sokuthengisa okufutshane (ukubonelela abathengisi abangaphezu kweentsuku ezingama-59 ngokukhawuleza) kwingxelo yemboleko yomthengisi iyafana nento yokuchithwa. Ukuboleka kwekhredithi kuya kubonakala njengento yokuphambi kwangaphambili kwimeko yokuhlenga, u-Steep uthi, okuya kubangela ukulahlekelwa ngamaphuzu angama-200 ukuya kuma-300. Oku kuthetha umthengisi omncinci wentengiso kunye neFICO yangaphambili ye-720 unokukubona ukuwa ku-520 ukuya ku-420.
Amava am namava njengamagosa ahluke ngokuthe ngqo. Ndagqiba ukuthengiswa okufutshane kwintengiso yeSacramento eyayisemva kweentsuku ezingama-90 kwi-mortgage yayo. Kwiinyanga ezimbalwa emva kokuvalelwa kwakhe okufutshane, wathengisa ingxelo yakhe yekredithi waza wamfumana i-FICO yawa ngamanqaku angama-100 kuphela ukuya ku-671. Ndiyasola ukuba imeko yomthengisi yonke iyahluka.
UCatherine Coy, umthengisi wemali ephantsi kweCalifornia, uyavumelana noMnquba.
Iimpembelelo kwingxelo yomboleki-mboleko kunye nokuthengiswa okufutshane -ukho umahluko phakathi kokubethelwa ngesitimela okanye ibhasi, "kusho uCoy, ekhuluma ngababoleki abangeenyanga ezimbalwa emva kweemali. Nangona kunjalo, ngaphezu kweminyaka, ukuthengisa okufutshane kukuthabatha ukunyaniseka.
Isikhathi sokulinda ngaphambi kokuthenga elinye ikhaya
- Ukuqhawula okanye ukuSebenza-kwindawo yokuBhengeza kweNkcazo: I- Steep ithi umthengisi ofuna ukuthenga elinye ikhaya emva kokuqhawula kuya kugqiba ukulinda malunga neenyanga ezingama-24 ukuya kwezi-72 ngaphambi kokuba umboleki awanikeze nayiphi na inzala enomdla . UCoy uthi, "Iindaba ezilungileyo kukuthengiswa okufutshane kuzakuvumela umboleki ukuba afumane imali mboleko yeziko elithile kwiminyaka emibini".
- Ukuthengiswa okufutshane: Abanye abameli bathetha iindaba ezilungileyo zabathengisi abancinci bezentengiso kukuncinci ngaphambi kokuthenga elinye ikhaya , kwaye izikhokelo ze-Fannie Mae ngo-2008 zamkela iinkqubo ezintsha.
Ngaba umdayisi angathenga kwakhona ngaphantsi kweminyaka emibini? Akunjalo, utshilo uCoy, "Inkolelo ecacileyo ukuba umthengi 'unokuthenga kwakhona kwiinyanga ezili-18 ngenani elihle. Nangona kunjalo, izikhokelo zikaFannie Mae zifuna kuphela iinyanga ezingama-48 zonyaka, kwaye azikho iindaba ezilungileyo kubaphathi abasebenza ngokuthengisa okufutshane. "
I-FHA ilandele izikhokelo ngo-2010 ithi umthengisi okhoyo kwaye wenza intengiso emfutshane unokufumana ilungelo lokuthenga elinye ikhaya. Ababoleki abakhawuleziyo ukulandela ezi khokelo. Nangona kunjalo, i-Flagstar Bank yanikezela i-Elk Grove umthengisi omthengisayo omtsha umboleko omtsha kwisithuba seenyanga ezi-2 zokuvalela ukuthengiswa kwakhe okufutshane, kwaye loo mthengisi wayekhoyo ngelo xesha. I-FHA ingayivuma imboleko kumthengisi omthengisi omfutshane ogqibeleleyo phantsi kweprogram yayo ye-Back to Work emva konyaka owodwa.
Qaphela ukuba izikhokelo zikaFannie Mae zivumela umthengisi ukuba afake isicelo ngokukhawuleza ukuba athenge enye mboleko ukuba athenge enye indlu ukuba loo mthengisi ugcine iintlawulo ezikhoyo ngoku, akazange abe namanxweme angaphezu kweentsuku ezingama-30 kwaye akazange avumelane ukubuyisela ukuhlawulwa kwetyala. Ukongezelela koko, iintlawulo ezikhawulezileyo ezichaphazela ngokuphawulekayo ingxelo yengxelo yemboleko, kungekhona ukuthengisa okufutshane.
Ukuqulunqa okanye isinqumo esifutshane sokuthengiswa
Ukuba ungumthengisi uzama ukugqiba isigqibo sokuba ngaba uvumelekile ukuba indlu ihambe ngokugqithisa nokuzama ukuthengiswa okufutshane, ukukhupha i-credit yakho kungabi yinzuzo yokwenza intengiso emfutshane, utsho uCoy. Ubika ukuba ngokutsho kwe "Score Factor Code # 22, akukho mvuzo wesikweletu kumntu okhohlakeleyo ngokuthengiswa okufutshane malunga nokugqithiswa."
Ndinokungabaza ngale nto, nangona kunjalo. Kuko oko ndikubonile, akukho monakalo omncinci kwingxelo yengxelo emva kokuthengisa okufutshane okubandakanya ukuhlawulwa kwexesha elide kunokugqithisa. Ukongezelela, enye inzuzo kulabo abanamacalulo kwikhredithi yabo ukukwazi ukuthenga enye indlu usebenzisa imali eqhelekileyo kwiminyaka engama-4 malunga nexesha eliyiminyaka eli-7 elifunekayo ukuze kufikelelwe. Abanye ababolekisi baya kwenza imali mboleko kwindlu entsha ngosuku emva kokuthengisa okufutshane. Kukho ezinye iintlobo ezinokuthengiswa ezimfutshane ngokugqithisa. Kodwa funa iingcebiso zomthetho nezerhafu ngaphambi kokuba wenze eso sigqibo.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.