Ukuthengiswa kobuqhetseba obuthathatywayo buya kuhlawulwa yi-FBI Nantsi indlela i-FBI ichaza ukukhwabanisa kwempahla: "Nayiphina into ephosakeleyo, ukungabonakali okanye ukungaphumeleli okuxhaswe ngumgcini-phantsi okanye umboleki-mboleko, ukuthenga okanye ukuqinisekisa umboleko." Zonke iimali ezihlawulwa ngokuthengiselana kufuneka ziboniswe kwi- HUD-1 .
UkuQala nokuBala abaThengisi
Ngokuthengiswa okufutshane, abaninzi ababolekisi besibini banamathengi ngaphandle kokulingana . Ukuba ipropati engaphantsi kwamanzi ihamba ngokugqithisa, inqweliso yesibini yomthengisi iyaqedwa, kwaye loo mboleko akafumani nto. Ngokomzekelo, ukuba indlu ithengwe i-$ 200,000 nge- 80/20 mboleko mboleko , umnini-mboleko wokuqala uza kuhlawulisa i-$ 160,000, kwaye imali yesibolekisi yesibini yayiyi-$ 40,000.
Xa imarike iyancipha, ukuba elo khaya lixabisa i-$ 100,000, umthengi wesibini akanalo ubulungisa, kwaye umboleki wokuqala ulahlekelwe ngama-40,000. Indlela yokusebenza kwemithetho yokuqhaqhaqhafaza, umboleki we sibini uya kufuna ukukhankanya phambili, ukuthawula nayiphi na intlawulo emva komthengisi wokuqala kwaye uqale inkqubo yakhe yokuqhawula.
Kodwa abathengisi abesibini abakwenzi oko kuba babeya kuba ngaphantsi kwamanzi.
Ababoleki besiBini kunye nokuThengiswa okufutshane
Kwiimeko ezimfutshane zentengiso, ngokuqhelekileyo umboleki kuphela ofumana nayiphi na imali ngumthengisi wokuqala. Ngokuqhelekileyo, kukufikelela kumthengisi wokuqala ukuba anike enye yemali yayo kwimali-mboleko yesibini. Oku kukukhuthaza ukuba umbolekisi avume ukuthengiswa okufutshane kunye nokukhululwa kwemboleko.
Le mali, ingaba i-$ 1,000, i-$ 3,000 okanye i-$ 15,000, ixoxisana phakathi kwekhredithi yokuqala neyesibini.
Ukuthengiswa Kwempahla emfutshane yokuThengiswa kweMali kunye nabathengisi besiBini
Abanye abathengisi abesibini abakholelwa ukuba abathengi, abathengisi okanye abameli kufuneka banikele ngemali kwintengiso emfutshane, ngokukhawuleza ukuzisa imali kwitheyibhile , kwaye bahlawule ngakumbi kumboleki wesibini. Aba babolekisi banqwenela ukukhuphela ukuthengiswa kwezinto ezimfutshane ngaphandle kokuba iimfuno zabo zemali zidibene. Ingxaki ngalaba babolekisi be sibini bafuna ukufihla le mali eyongezelelweyo ukusuka kumboleki bokuqala. Nazi ezinye zeendlela abazenzayo:
- Umthengisi angenza intlawulo kwiakhawunti yomthengisi.
- Umthengi unokuhlawula umboleki-mali emva kokuba umthengi uvale.
- Amanqaku okurhweba / athengisayo angahlawula ibhanki ngqo ngaphandle kwekhomishini yawo.
Oku kungabonakala kungenasici ngokwaneleyo ade umntu aqonde ukuba akukho nanye kule mali i-HUD-1, kodwa le mali iyinxalenye yokuthengiswa kwezindlu. Ngaphezu koko, ukuba umboleki wokuqala owaziyo, umbolekisi wokuqala unokufuna inxalenye yale mali njengembuyekezo yakhe. Ezinye iibhanki zifuna i -affidavit yobude bengalo . La maxwebhu achaza ukuba akukho mvumelwano yesifihla phakathi kweyiphi na imibutho.
Ingxelo yokuThengisa ukuThengiswa kwempahla emfutshane
Abathengisi kunye nabathengi bavame ukuziva bexinzelelwe yiimfuno zentente yesibini.
Umthengisi ufuna ukuthengiswa okufutshane ukuvalela kuba kukho iinzuzo kumthengisi ukwenza intengiso emfutshane ngokubhekiselele kwi-foreclosure . Umthengi ufuna ukuba ukuthengwa kuvaliwe kuba umthengi ufuna ukuthenga ikhaya.
Abathengisi kunye nabathengi abayiqondi ngokubanzi imithetho ejikeleze ukukhwabanisa kwempahla. Nangona kunjalo, ii-agents zabo, ngokwenene i-agents zivumelekile ukuthengisa i-estate, kufuneka bazi. Ukuba uyakrokrela ukukhwabanisa kwempahla, tshela ugqwetha lakho ngcebiso. Nazi iindawo ezimbalwa apho unokunika ingxelo ngababolekisi abesibini abazama ukuqhuba ubuqhetseba bokubolekwa kwempahla:
- Iofisi yeGqwetha likaGqwetha Jikelele.
- FBI
- Amaphephandaba - amaphephandaba, umabonwakude, umsakazo.
- Ibhulogi ze-Intanethi / abahleli bekholenda.
- I-Fannie Mae Taskforce (ye- Fannie Mae ).
Ubuqhetseba bempahla bubugebengu obushushiso kunye nomthetho. Akukho bhanki enkulu kakhulu ukuba ingabikho phantsi.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.