Umthengisi wakho unokuthi afake ukusilela kwesiGwebo emva koBuchule
Ngezinye izigwebo izahlulelo ziyavela emva kokungena okanye ukuthengiswa okufutshane . Abanini bezindlu bahlala bexhamle ukuba bafumane, kwaye oku kubakho ngenxa yokuba abafumani ngcebiso efanelekileyo yomthetho okanye yerhafu ngaphambili.
Amanqaku okuThengisa kunye nama-Mortgages
Izahlulelo ezingenakucala zivela kwi-fact borrower engekho kwinqwelo yokuthengisa, kungekhona i-mortgage. Inqaku lesithembiso liyisithembiso sokuhlawula. Iyakwazi ukudala uxanduva lomntu, kuxhomekeke kwimithetho kaRhulumente. Ubuxanduva bomntu siqu lithetha umboleki-mali angahamba emva kweempahla ze-mboleki ngenxa yokungaphumeleli ukuhlawulwa kwemboleko.
Inqaku lesigxina liqinisekisiwe ngetyala lokubambisa okanye ukuthenga ngemali, kuxhomekeke kwisixhobo sokuxhaswa ngemali. Ngokuqhelekileyo, i-mortgage okanye izenzo ezithembekileyo zibhalwa kwiirekhodi zomntu apho ipropati itholakala, esinika isaziso sikawonke-wonke ukuba ikhaya linelungelo lokulwa nalo.
Ukuchithwa
Ukuba inqaku lesigunyaziso asihlawulwanga njengoko kuvunyelweneyo, umxhamli unelungelo lokugqithisa ngaphambili kwipropati, kuba loo propati yokhuseleko kwinqwelo yokuthengisa.
Ukuba umntu obolekayo akayi kuzisa iintlawulo ezikhoyo okanye ukuhlawula imali ekhoyo ekhoyo ngexesha lexesha lokuqhawula, loo propati iya kwintengiso. Ukuba ipropathi ithengisa ngaphezu kwexabiso elihlawulwayo, akukho ukusilela; nangona kunjalo, okungafaneki kwenzeke.
Amabhanki athabatha indawo kwi-foreclosure xa kungekho mntu ubhalela ngokwaneleyo ukuhlawula ibhanki.
Ibhanki inelungelo lokuyithengisa elincinci kumthengi ophezulu kwithenda, kodwa ngokubanzi, iibhanki zikhetha ukuzithengisa kwimicimbi yangasese emva kokugqithiswa, enethemba lokufumana imali emakethe evulekileyo.
Ukuthengisa okufutshane
Nangona ikhaya lilindelwe ukuvalwa, ibhanki ingavuma ukusika ilahleko zayo. Ivumela umthengisi ukuba athenge ngokufutshane kwaye amkele imali encinci kunokuba umthengisi ahlawulwe ngemboleko yakhe.
Umthengisi wasekhaya uqesha i- agent ye- real estate ukufumana umthengi ukuthengiswa okufutshane . Umthengi wenza isipho kwaye, ukuba ibhanki iyamkela, ikhaya liyathengiswa ngokulahlekelwa.
Iingcamango zokusilela
Ukungabi nantlukwano ngumlinganiselo phakathi kwebhanki eyintloko kunye nexabiso elifunyenweyo, ukubonelela ngemali efunyenweyo ingaphantsi kwexabiso elihlawulwayo.
Ingaba i-bhanki inokuphishekela ukugwetyelwa kwesigwebo emva kokuqhawula okanye ukuthengiswa okufutshane kuxhomekeke kwinqanaba ukuba ingaba inqaku lesigxina lenza ukuba umthengisi atyalalele ityala. Amanye amazwe avumela uxanduva lomntu .
Izigwebo ezingenakubalwa eCalifornia
Iindaba ezilungileyo kubaboleki baseCalifornia zonke iimali-mboleko zemali yokuthenga kwiindawo zokuhlala ezihlala kwindawo enye ukuya kwezine zikhululekile kwizigwebo ezingenamthetho.
Imali-mboleko yemali enzima eCalifornia - iimali-mboleko ezathathwa emva kokuba kuthengwa ikhaya ngokusebenzisa ukuhlaziywa okanye ukuhlawulwa kwemali yesibini-kunokuxhomekeka kwisigwebo esilahlekileyo phantsi kwezi zilandelayo:
- Umboleki ubeka phambili phantsi kweenkqubo zomgwebo (I-Code Code Civil.
- Abaninzi ababolekisi bangaphambili ngokuthengiswa kwematrasti, engabaniki umthengi ilungelo lokwenza isigwebo esilahlekanga ngenye indlela (jonga i- second mortgage- second mortgage below) .
- Umlinganiselo wenyanga weenyanga ezintathu usebenza kwizenzo zokungabikho kwezigwebo phantsi kokugwetywa komgwebo.
- Ukuba i-mortgage yesibili yinkcitho enzima kwaye umboleki-mali ulahlekelwe yokhuseleko ngemali mboleko ngokugqithisa okanye ukuthengiswa okufutshane-okwenza ukhuseleko kwinqwelo yokuthengisa ayizuze nto - umzuzi weso sibini sokuthenga imali angayilandela isahlulelo sokusilela (Roseleaf Corp. v. Chierighino, 59 Cal 2d 35 (1963).
- SB 931, u-Jan. 1, 2011, uhlinzekela ukukhuseleka kwe-California ukuthengisa abathengi abancinci ukuba umbolekiso usekuqaleni. Akusebenzi kwizinto ezingaphambili.
Iqoqo lokuThetha
Abanye ababolekisi bemali abanomdaka bathengisa inqaku lesigxina kumtyalomali emva kokuvalwa kweepeneni kwidola. Emva koko, umtyalomali uzama ukuqokelela amatyala.
Nangona umboleki-mali angamkela, yithi, i-$ 1,000 ye-$ 100,000-yesibini yokuthenga ngemali ngokuthengiswa okufutshane, ukukhuselwa kwesi sibini semali esinokukhutshwa, kodwa inqaku lesithembiso lingazange libe. Umthengisi omthengisi omfutshane onjengeomfundi wethu unokukholelwa ukuba umonakalo uphele, de kube ngelinye ilanga ufumana ifowuni ecela ukubuyiselwa. Xa oku kwenzeka:
- Qaphela ukuba umboleki-mali uya kuxoxisana ngokufumana impeshelo ehlaziyiweyo.
- Umboleki-mali angacela inqaku elitsha lokuthembisa ukubuyisela inqaku elidala lokuthengisa. Kweso siganeko, qiniseka ukuba umnini-mboleko uthumela "inkokhelo epheleleyo".
- Ukuba umboleki-mali sele uthengisile le nqaku, isaphulelo sinokuba sikhulu.
- Akukho onke amanqaku okunyanzela imali afunekayo ahlawulwe ngemali. Abanye ababolekisi baya kwamkela iintlawulo.
- Ukuba umboleki-mali uhambisa iintlawulo kwizinye iinkampani, qaphela ukuba inqaku lingathengiswa ngaphantsi kwexabiso elijongene nalo kwaye umthengisi omtsha angamkela isantya esincinane njengentlawulo epheleleyo.
- Emva kokuba inqaku lihlawulwe lilonke, cela umboleki ukuba abuyisele inqaku eliqinisekisiweyo elibhalwe "Ihlawulwe ngokupheleleyo."
Andikho ilayisenisi yokunika iingcebiso zomthetho kwaye ndinike le ngcaciso ngenjongo yolwazi jikelele. Ukuba unqwenela iingcebiso zomthetho okanye ulwazi oluninzi, nceda uqhagamshelane nommeli wezakhiwo .
Umthombo: Umbutho waseCalifornia we-Realtors
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.