Ababoleki abayeke ukwenza iintlawulo zempahla yokuthenga ngempahla kungekudala okanye bangela ukuba ibhanki ibhekise phambili. Ngoku, ukuba ukuchithwa kwezinto kulandelwa njani kuxhomekeke kumthetho kaRhulumente. Ingaphezulu kwesigama samazwe aseUnited States athembela emazweni, kwaye iziganeko ezithembekileyo kwizikolo ezithembekileyo zilawulwa yi-trustee.
Khumbula ukuba u-Fannie Mae ukuthengiswa okufutshane okungafaniyo kulandelwa ngokwahlukileyo. UFannie Mae kunye noFreddie Mac abaqhelekanga ukuyeka i-auction.
Ngaphambi kokuhlehliswa kweNtshontsho
Emva kokuba umbolekeki eyeke ukwenza imali yokubolekwa kwemali, umboleki uyazisa umphathiswa ukuba aqalise inkqubo yokuqhawula. Umphathiswa ngumntu wesithathu kwizenzo zokumthemba, isikhundla esithile sokubiza "ukubamba isihloko se-naked."
Nangona kungekho xesha elifunekayo ngaphambi kokufakela iSaziso soPhezulu , ababolekisi abaninzi bakhetha ukuzama ukuqokelela ngexesha leentsuku zokuqala ezingama-60 ukuya kwe-90 ukuba umbolekayo awele emvalelweni, kunokungena kwiinkqubo zokuqhawula. Ezinye iinjongo ezifana neCalifornia zifuna umnini-mboleko ukuba anike umntu obolekayo ubuncinane isaziso seentsuku ezingama-30 ngaphambi kokuba afake iSaziso soPhezulu.
Emva kokuba iSaziso soPhezulu sifakwe, umntu obolekayo unokuba neentsuku ezingama-90 ukubuyisela umbolekiso ngokwenza iintlawulo zembuyiselo kunye nokuhlawula iindleko ezenziwe emva kwexesha, ezibandakanya iintlawulo zomphathiswa.
Iindlela ezi-5 zokubuyisela i-Auction Auction
- Ukukhulula iMboleko: Kukho umahluko phakathi kokubuyisela imali yokubolekwa kwempahla kunye nokukhulula umboleko wemali kodwa uya kudla ukuva amagama asetshenziselwa ngokufanelekileyo, okungahambi kakuhle. Ukuhlawulela imali yokuboleka imali kukuhlawula imali yokuboleka imali; ukubuyiselwa kwakhona, i-mortgage iziswa ngoku. Ngexesha lokugqibela lwenkqubo yokugweba ukugweba, inkokhelo ayimfuneko ukuba amkele ukubuyiselwa kodwa kufuneka avumele ukukhululwa.
- Faka isicelo sokuguqulwa kwemboleko : Ababolekisi abafunwa ukuba bahlehlise i-intengiso ngokutshintshiselwa ukulungiswa kwemali mboleko , kodwa iibhanki ezininzi ziya kuzama ukwenza ishedyuli yokuhlawula yesikhashana. Oku akuthethi ukuba i-bhanki ayiyi kuthumela ikhaya kwintengiso. Ngoko qaphela. Ababoleki bangathanda ukucela ibhanki ngesibonakaliso esibhaliweyo sokungaqhubeki phambili neyontengiso.
Ezinye iibhanki zihlazo. Ezi mabhanki ziya kunika ukulungiswa kwemboleko kwesikhashana kwaye, emva kweenyanga ezi-3 ukuya kwezi-6, xelela umntu obolekayo ukuba bayifake ukukhutshwa kwemali ngenxa yokuba umboleki akafanelekanga ukulungiswa kwemali engapheliyo. Batshilo ngenxa yeentlawulo ezikhethiweyo kunye neFayile yeSaziso.
- Ifayile ye-Bankruptcy: Ukufakela i-bankruptcy akuyi kumisa unyunithi ngonaphakade kodwa ingahle ibuyisele i-auction isikhashana. Xa umntu obolekisa iifayile ze-bankruptcy, inkundla ikhupha umyalelo obizwa ngokuba yi- Automatic Stay eyeke umzamo kubathengi ukuqokelela imali, equka ukuhlehlisa i-intengiso. Kufana nokuxelela inja eqeqeshiwe ukuba ihlale kwaye ihlale. Kodwa umboleki angayifaka isisombululo sokuphakamisa i-Automatic Stay, ngokukodwa ukuba iSaziso seMeko esichaziweyo sasivele sifakwe.
- Faka ifowuni yeSokelo sokuVimbela isikhashana: Uninzi lwabantu ludibanisa umyalelo wokumisela okwethutyana kunye nokuxhatshazwa kwekhaya, kodwa ukucela inkundla ukukhuselwa ekuxhatshazelweni kunokubandakanya isicelo sokumisa i-intengiso. Abboleki baya kufuneka baqeshe igqwetha ukuba lifake umyalelo wokumisela okwethutyana, kwaye loo gqwetha ungadinga ukufumana isizathu esekelwe kukukhwabanisa okanye uhlobo oluthile lokungalunganga kwinqanaba lomboleki. Nangona igqwetha liphumelele kwaye liphumelela ingxabano, umyalelo wokumisela awunasigxina.
- Ukuzama Ukukwenza Ukuthengiswa Okufutshane : Ukuxelela umboleki-mboleko owenzayo ukwenza umthengi omfutshane akwanelanga. Umboleki kufuneka angenise isibonelelo kwibhanki kumthengi ofanelekileyo. I- arhente yendawo yokuhlala okanye igqwetha elijongene noxoxiswano lomboleki libiza umnxibelelwano webhanki kwaye icela ukuhlehliswa kwintengiso. Ngokuqhelekileyo, iibhanki aziyi kuqwalasela isicelo sokuhlehliswa kwaze kwaba yileta kwimihla embalwa. Kufana nokuba ibhanki ithanda ukwenza abobolekayo bahlale kwizikhonkwane kunye neenaliti, becinga ukuba i-intengiso iya kuhlehliswa.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.