Ukufumana inzuzo yentengiso yomthengisi, kufuneka ufikelele kwiindleko zokuthengiswa kwaye i-arhente yakho ibe neefomathi ezimbini zeetayiti.
Iphepha lokuqala lokuqala lincike ekufumaneni ixabiso lohlu olupheleleyo. Iphepha lesibini lomnxeba liqikelelwe ekufumaneni intengo yokuthengisa yemilinganiselo yamakhaya afanayo kummandla. Ngale ndlela abathengisi bangabheka uluhlu lweenombolo zenzuzo.
Ingxelo yokuvala Iingxowa kunye neCredits
- Izitatimende zokuVala ukuThengisa: Isitatimende sokuvala somthengisi, ukuba singadityaniswa ne- HUD-1 , kukulinganisa kwamakhredithi kunye nezikweletu. Ikhredithi, umzekelo, isixa semali yokuthengisa, kuba loo mali iyayifumana umthengisi. Iingxaki zibandakanya zonke iindleko zokuthengiswa ezihambelana nokuthengisa ekhaya. Ezinye iikhredithi zingabonakala njengeentlawulo zepropati ezihlawulwa, eziza kuhanjiswa, zibuyele kumthengisi isabelo esiye sahlawulwa kwangaphambili kwixesha elithengiswayo ngumthengisi. Ukuba abathengisi bathengisa ngaphandle kokulingana , ukukhangela umthengisi angenise ukuvala kuya kuboniswa njengetyala kwi-statement yokuvala. Ukungabikho kwamakhredithi athengisayo, ngaphandle kwexabiso lokuthengisa, amanqaku aphantsi asemabini kunye nezikwereti ziya kulingana nentengo yokuthengisa .
- Izitatimende zokuVala koMthengi: Abathengi, ngakolunye uhlangothi, bafumana isitatimenti sokuvala esibonisa intengo yokuthengisa njengendleko, kuba loo mali ityala. Ukuba umthengi uya kuhlawula umrhumo werhafu ofihla inxalenye yeso sihlandlo umthengisi ephethe ipropati, loo mali iya kubonisa njengetyala kumthengi (kunye nemali kumthengisi).
Iingxelo zokuvalwa kweSitethi zokuThengisa
Imirhumo elandelayo ithathwa njengetyala kumthengisi kwaye ihlawulwe ngentengo yokuthengisa. Ngenxa yokuba iindleko zentengiselwano zentengiso ziyahlukahluka ukusuka kummandla ukuya kwilizwe, kummandla ukuya kwidolophu kunye nomzi, umzekelo uboniswe kusekelwe kwisitampu sokuvala isampula somthengisi eSacramento, CA. Imirhumo yakho yangempela ingahluka. Imirhumo yenkampani yesithathu efana nezopolisi zetayitile, iinkampani zokuxhaswa okanye iinkomfa zentengiso ziya kuxhomekeka kumthengisi okhethiweyo.
- Escrow . Ezi ntlawulo zingabandakanya ukuhlawulwa kwentlawulo yokumisela isisiseko, imirhumo yokulungiswa komqulu kunye nomrhumo wenkcazo .
- Ukurekhoda . Imirhumo yokurekhoda umsebenzi wepropati kwirekhodi kawonkewonke kunye nawaphi na amanye amaxwebhu afunekayo ukuze asuse isihloko.
- Imali yokuTshintshela . Isixeko saseS Sacramento sityholo .275% ye-1% yentengo yokuthengisa kwaye, nangona uxoxisana, umthengisi uhlawula ngokubanzi.
- IRhafu yokuThumela iRhafu kwiNxweme . Imali yeCalifornia ibalwa ngama-55 engama-$ 500 kwixabiso lokuthengisa, ngokuthengwa kwemali epheleleyo. Qaphela: ayikho i-1.10 yeeyure ngewaka.
- Ukuhlolwa kwezilwanyana . Iindleko zokufumana ukuhlolwa kwezilwanyana .
- Ukugqitywa kwezilwanyana . Iindleko zomsebenzi ezifunekayo ukukhupha ingxelo yeenkathazo ezicacileyo.
- Ukudalulwa kweNgcembeko yendalo . Ingxelo yendalo neyokusingqongileyo.
- IWaranti yesiKhaya . Iindleko zeprogram yesiqinisekiso seminyaka elilodwa yomthengi.
- Isitifiketi soMgangatho . Imali yokuqinisekisa uphahla iminyaka emi-2 ukuya kwe-3.
- Ukulungiswa . Invoyisi yekhonkco okanye umthengi wekhredithi yesicelo somsebenzi wokulungisa .
- Abathengi Imali yokuVala iMali . Isixa esithengiweyo esivunyelwene ngaso kwisivumelwano sokuthenga ukuhlawula iindleko zokuvala umthengi .
- Ezinye iiCredits zeMthengi . Ezi ziquka ukuthengwa kwemali yokuthenga impahla okanye ezinye iirhafu ezihlawulwe kwigama lomthengi njengenxalenye yesivumelwano sokuthenga .
- Uncedo, ukuba lukhona . I-Carmichael Water District, kwi-CA, umzekelo, ithumela iindleko zamanzi ukuba zihluthe. Kwamanye amazwe, iindleko zamanzi "ziqhutywe kunye nepropati" kwaye zingabonakaliswa kwisihloko okanye ku-escrow, ngoko khangela ukuba zihlawulwe.
- Imirhumo yeZakhiwo zoMhlaba . Inxenye yeProra iyabangelwa ukuba irhafu ingekahlawulwa.
- Imirhumo yombutho wabahlali . Ezi zingabandakanya ukulungiswa komqulu, kunye nesahlulo se-prorata sombutho wendlu yenyanga.
- IiKomishoni zeZakhiwo . Inkokhelo yokubeka uluhlu kunye nabathengi bamthengi.
- Umququzeleli wokuThengiswa . Intlawulo ehlawulwa kumntu ngamnye / nkampani ephethe iphepha lomthengi kunye nokuchazwa kweentengiso.
- Iingxowa-mboleko . Isibonelelo somxhamli sichaza inani elifunekayo lokuhlawula imali ekhoyo ekhoyo.
- Isihloko . Intlawulo yomgaqo- ntlawulo ehlawulwe umgaqo-titshala womxholo womthengi.
- Ukuhanjiswa okanye iCourier . Iindleko zokuthumela okanye ukuthutha amaxwebhu.
- Ifowuni . Le ntlawulo ihlawulwa kwiziko lokubambisa inzuzo yentengiso yomthengisi kwibhanki lomdayisi.
Inzuzo Yenzuzo Ngenxa Yomthengisi
Okokuqala, fakela zonke iindleko ukucacisa inani elipheleleyo leemali. Emva koko wongeza intengo yokuthengisa kwi-prorations yemboleko. Susa i-credit kwi-debit. Ibhalansi eseleyo yintlawulo yomthengisi inzuzo yentengiso.
Ukubonelela ngomthengisi kunemali eyaneleyo, inani lemali elithembekileyo, elongezelelweyo kwiingxowa-mali, liya kulingana nekhredithi ephantsi. Yingakho i-debit epheleleyo iya kuhlala ilingana nenkokhelo epheleleyo kwisitatimende sokuvala somthengisi.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.