Inkcazo yePSA yeeNgxowa-mboleko zemali
Iingxowa-mboleko zeMathenji zithunyelwa njani kunye ne-PSA
Imali-mboleko emininzi yemali yokubolekwa kwemali iqinisekisiwe.
Awuyi kuqonda ukuba umboleko wakho uthengisiwe ngale ndlela. Umboleki-mboleko , njengebhanki okanye umboleki wemali mboleko , uqokelela amakhulu emali mboleko kwiqela elilodwa. Leyo yinxalenye yokubamba iqhosha le-PSA. Umsunguli uhlala ebolekisa iimali-mboleko zolu hlobo kunye nomgangatho ofanayo. Imboleko yakho ngoku iyingxenye yamanzi kwaye iya kuba ngumboleko wokubolekwa kwemali mboleko.
Idibanti yeemali-mboleko iba yokhuseleko lokuthengisa okanye ukhuseleko oluxhaswa ngumhlalaphantsi kwaye lithengiswa kwimarike yesibini. Ngokuqhelekileyo umthengi uyithemba. Iingxowa ziquka abatyalo-mali, abaya kufumana iintlawulo kwi-trust. Njengokuba inzala yakho yokubambisa ihamba kwi-bhanki, ngoku iya kwi-trust kwaye iya kuba yinxalenye yentlawulo kubalimi-mali.
Emva kokubolekwa kwemali mboleko kwaye kuthengiswa, i-trust ithawula umboneleli wesevisi ukuqokelela iintlawulo zenyanga kunye nokusabalalisa imali kubatyalomali. Isivumelwano sokubambisa i-securitization sibizwa ngokuba yisivumelwano sokubambisana kunye ne-PSA.
Isivumelwano sokubambisa kunye nesondlo sifakwe kwiKhomishoni yoKhuseleko kunye noTshintsho (i-SEC) , ukubonelela nge-securitization yoluntu.
Ulawulo lwe-PSA luyakwenza kwaye alukwazi ukuyenza ngokuthembana. Ichaza amalungelo, imisebenzi kunye neembopheleleko zabo bonke abachaphazelekayo. Inquma indlela i-servicer ehlawulwa ngayo kwaye apho iimali ezihlawulwa kwii-mortgages ziya kuhamba.
Kubaluleke kakhulu kumnini-propati, kwakhona ichaza indlela iintlawulo eziqokelelwa ngayo, indlela yokubolekwa kwemali mboleko engaguqulelwa ngayo kunye nenkqubo yokuchithwa kwemali.
Ukufumana iSivumelwano sakho soPhulo nokuSebenza
Abanini-mboleko abaneemali-mboleko eziqinisekisiwe kunye nabajongene nokuchithwa kwempahla okanye abafuna ukulungiswa kwemali mboleko banokuzuza ngokufumana iSivumelwano sabo se-Pooling neServicing Agreement. Inokuba yinxalenye yecala lokubamba indawo ngaphandle kwexwebhu elimeleyo. Ukuba i-securitization iyindawo kawonkewonke, unokufumana amaxwebhu kwiwebhusayithi ye-www.sec.gov.
Ukufumana i-PSA yakho, uya kuyidinga igama lekhredithi yangaphambili kunye nesihloko seqela lokuboleka imali. Ukufunyanwa kwesihloko kuthatha umsebenzi othile wechungechunge kwiwebhusayithi yesibini. Unokufumana igama lomboleki wakho kunye nomhla kwinqwelo yakho yokumisela kunye nezenzo zokuthembela . Umhla owenziwe ngayo umboleko uncedo ekufumaneni i-PSA yakho kwiwebhusayithi yesibini. Khangela ngegama lomboleki kwaye ufumane amaxwebhu afakwe ngonyaka we mboleko yakho. Fumana i-PSA, i-prospectus kunye ne-suppusus.
Emva kokuba ufumene amaxwebhu, phawula inombolo yombhalo kunye namagama uze ulondoloze okanye ubhuke uphawu. Unokuqhagamshelana ne-SEC ukufumana ikopi eqinisekisiweyo. Unokufuna ummeli ukuba ancede ukuhlalutya.
I-PSA kunye neeNtengiso ezifutshane
Xa amaqela kwintengiso emfutshane akanakuqonda ukuba kutheni ibhanki inokukhetha ukwenza ukukhutshwa kwemali ngokunikezela ukuthengiswa okufutshane, ixesha elide impendulo ifunyenwe kwimimiselo neemeko ze-PSA.
Ngamanye amaxesha kunokuba luncedo kakhulu ukugubungela phambili ngenxa yokuba i-PSA ithatha imirhumo echaphazelekayo kwi-foreclosure ngokwayo.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.