Indlela umgcini-phantsi angayinqaba ngayo imali yakho yokubolekwa kwemali
Abathengi basekhaya abaye bavunywa ngaphambili bafumana ixesha elona lilukhuni ukuqonda ukuba kutheni banokuthi banqatshelwe phantsi. Bakholelwa ukuba ngenxa yokuba umboleki wanikezela incwadi ebhengeze ukuba bafanelekile kwaye bakwazi ukuthenga ikhaya. Ileta yokupropasa ibonisa ukuba ibonakala ifanelekile kodwa ukude phantsi kubhala phantsi iifayile kwaye ihlolisise imeko yabo, zikho iindlela ezininzi umntu obolekelwe ngaphambili okhutshwayo angakhutshwa ngaphandle kokubhaliweyo ngaphandle kwemvume.
Abathengi abaninzi baye bavunyelwa, kodwa abanye abayithandi
Inyaniso yokuba abaninzi abathengi basekhaya abazi izinto ezinokungahambi kakuhle ekubhaliseni phantsi mhlawumbi inzuzo ngendlela, kuba abazi ukuba banelisekile. Uninzi lwabathengi luya kuvunywa, kodwa abanye abayifumani. Abo banqatshelwe ukuthabatha inzima kakhulu, ingakumbi ukuba babengazilungeleli ezo ndaba. Abaqhelekanga ukuba banokwenzeka ukuba abayi kuzuza imali. I-agent ye-real estate ayiyazi, kwaye umnini-mboleko uhlala ethembele kwizinto ezilungileyo.
Izinto ezinokuthi zitshutshise iMboleko yakho
Ababoleki bahlala becinga ukuba ngenxa yokuba zikhoyo kuzo zonke iintlawulo zemali eziqhubekayo zinekhredithi enkulu kakhulu. Abacingi ngeemimiselo ezinjalo njengemilinganiselo yamatyala kunye neengeniso kunye neziphumo zokugqibela, kunye nendlela eyiyo eyi-10 yokugqibela kwengxelo yokuthenga ngetyala ingathintela amanqaku eFICO . Ukulandela ezinye zezinto ezinokungaphumeleli ekubhaliseni phantsi kunye nendlela enokuchaphazela ngayo amandla omboleki ukuba avunyelwe ukuthenga imali.
Uvavanyo oluphantsi
Inombolo enye into engaphumelekanga ekubhaliseni i- appraisal . Ngaba ukuhlolwa kwexabiso kungabangela ukuhlaziywa okuphantsi okanye umgcini-phantsi angabiza ukuhlaziywa kwe-appraiser ngenye i-appraiser ngaphambi kokuvunywa. Kukho iindlela zokunciphisa uvavanyo lwangaphantsi, kodwa ixesha elininzi ixesha lomdlali we-appraiser liza kuphumelela.
Ukuba umthengi akanalo imali yokuhlawula ummeli kwaye umthengisi wenqatshelwe ukunciphisa intengo, ukuthengiswa okulindelekileyo kunokususa.
Ngaphezu koko, ukuba uvavanyo lokuqala lubonisa intengo yokuthenga kodwa uvavanyo lwesibini luphantsi, iifayile ziyakuthi zithatyathwe ngumgcini-phantsi. Ixabiso liza kuthatyathwa ngathi alihambisani. Ezinye iintlobo zemali-mboleko ziyakwenqabela ukuhlolwa kweyesithathu ngokunika inombolo yesohlwayo, ngoko akufani nomboleki-mali angasebenza kuphela kumbolekisi abahlukeneyo kwaye ahlawule i-appraisal entsha.
Ipropati ayinakufanelekela ukuThengwa kwemali
Ephakamileyo kwoluhlu lwezinye izinto ezinokungahambi kakuhle ekubhaliseni phantsi kukuba ipropathi ngokwayo ayinakufanelekela ukuthenga imali. Umhloli wenkcazo unokubonakalisa ukuba ezinye izakhiwo azihambisani okanye umntu ongenakho ukufumana imvume ye-remodel , okanye ukuphuculwa okungavumelekanga kungadinga ukulungiswa okubanzi ukuzisa ikhaya kwi khowudi, okanye ikhaya lingafunyanwa lingenakuhlala.
Iimpembelelo ezingachazwanga kuMlando wezeNgqesho kunye nezinye izinto ezinxulumene neJob
Enye inkxalabo enkulu malunga nezinto ezinokungaphumeleli ekubhaliseni phantsi kwimiba yengqesho. Ngaba izikhelo ezingachazwanga zikhona kwimbali yengqesho yomboleki? Ngaba umboleki uguqule imisebenzi kwiminyaka emi-2 edlulileyo kwaye isikhundla esitsha asiwa phantsi komsebenzi omnye?
Ngaba umntu obolekayo ngumsebenzi wexeshana kwaye akaze anqunywe? Ingaba inkampani inokuthi ilahlekise abasebenzi ngexesha elizayo? Kungekudala umgcini-phantsi wabhalwa ngumbolekekisi ukuba umboleko wakhe uya kukhatywa ukuba akafumananga ileta evela kumqeshi wakhe, uRhulumente waseCalifornia, eqinisekisa ukuba akayi kutyhutyha iminyaka engama-3 ezayo. Akunakwenzeka kakhulu.
Yonke ingeniso esetyenzisiweyo ukufumana imvume yokubambisa imali kufuneka ibhalwe ngumqeshi. Ukuba umqeshwa ufumana iibhonasi, iikomishini okanye ixesha elingaphezu kwexesha elingaphezu kokuqinisekisiwe, umboleki angenakuvunyelwa ukusebenzisa le ngeniso engaphezulu kwiinjongo zemfundo.
Ezinye izinto ezingalindelekanga
Ezinye zezinye izinto eziye zabangela ukuba izinto zingaphumeleli ekubhaliseni phantsi zidla ngokumangaliswa ngokupheleleyo kumboleki. Umboleki angenakuqonda ubungakanani beentlobo ezithile zeengxaki kunye nendlela anokuchaphazela ngayo imali.
Omnye umboleki wayekulungele ukuphuma phantsi kokubhaliweyo xa ngokukhawuleza wafumanisa ukuba akazange ahlukanise. Wayecinga ukuba umtshato wakhe ugqityiwe kodwa wawungekho. Ngokukhawuleza ukuba abe ngumfazi wangaphambili wayenqaba ukutyikityha isenzo sokuyeka , ngoko umbolekayo akazukuvunyelwa ukuthenga imali.
Omnye umntu obolekayo wathola isigwebo esibhekiswe kuye ngokukhawuleza kubonakala ukuba kubhalwe kwelinye ilizwe. Emuva kwimihla endala, ngaphambi kwexesha ledijithali kunye nokukhulumisana okuphuculweyo, into efana nale yayingayi kubonwa. Hayi namhlanje.
Umbolekayo ongazange afake irhafu yerhafu okanye angayifaki isandiso kwaye akhokhe irhafu efanelekileyo, ukuba kukho na, ayinakuyenza loo nto ingabhalwanga phantsi, nokuba kunjalo.
Ukuthengiswa okufutshane okanye ukuchithwa
Ukuba uthe wathengiswa ngokufutshane okanye ukuvalwa kwexesha ngexesha elithile, oko kunokwanela ukukhaba ifayile yakho ngaphandle kokubhala phantsi. Ngokuqhelekileyo, abathengisi be-FHA banamalungelo athile malunga nexesha elifunekayo lokuthenga elinye ikhaya emva kokuthengisa okufutshane okanye ukuchithwa, kodwa ababolekisi abaqhelekileyo banokukhahla ifayile yakho phantsi kwezo zizathu ukuba bafuna. Ukungathethi, ezinye zokuthengisa ezifutshane zichazwe ngephutha njengento yokucima.
Ukubheja kweyona ndlela efanelekileyo ukuphepha ukujongana nezinto ezinokungahambi kakuhle ekubhaliseni phantsi kukuchaza yonke imbali yakho yemali kumboleki ngaphambi kokuba uboleke imali yokuqala. Buza umnini-mboleko ukuba ahlole ifayile yakho yekhredithi. Faka ifayile yakho yerhafu, ugcine i-credit ecocekileyo kwaye ungayisebenzisi imali yakho yokugcina okanye ungongeza kwi-credit card ngetyala phakathi kwexesha owenza isipho kwaye uvumeleke ngokubhalwe phantsi.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, uBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.