Iingcebiso ze-FHA Sale Sale

Izinto Ezokwazi Ngayo Ngokuthengiswa Okufutshane kwe-FHA

Umthengisi unokufanelekela ukuthengiswa okufutshane kwe-FHA ukuba i-HUD igqibe ukuba umthengisi unzima. Zonke ii-FHA zokuthengisa ezifutshane ziwela phantsi kwe-HUD, iZindlu kunye nophuhliso lweeDolophu, izikhokelo. Ngenxa yokuba urhulumente uneminwe yakhe kwintengiso emfutshane , le nkqubo yincinci encinci, kwaye inokudideka kumagosa athengiswayo kunye nabathengisi ngokufanayo. Ezi ngcebiso zilandelayo kufuneka zikuncede ukucima ukudideka.

Izikhokelo ezisisiseko ze-FHA Sale Sale

Ukuba ukuthengiswa kwakho okufutshane kukufutshane kwendlela eya kuyo, kunokwenzeka ukuba inamathela kwimpompo ye-FHA.

I-FHA ifuna ukuphonononga amathuba okuguqulwa kwemboleko . Ukuba ukuguqulwa kwakho kwemali mboleko kunqatshelwe okanye kunqatshelwe, le yintsuku yakho inhlanhla ngenxa yokuba uya kuhamba ngokukhawuleza nge-FHA inkqubo yokuthengisa emfutshane.

• Ikhaya lichongiwe njengeyunithi ye-1 ukuya kwi-4. Oku kuthetha ukuba i-duplex okanye i-fourplex ingafanelekela ukuthengiswa okufutshane kwe-FHA kodwa isakhiwo sendawo yesakhiwo se-5 asikwazi.
• Amakhaya angahlaliyo awanakusetyenziswa njengendawo yokuqeshisa kweenyanga ezili-18. Ukuba indlu isetyenziselwe ukuqeshisa kweenyanga ezili-18, kufuneka kufumaneke ukungafani ukuqhubeka. Ukufumana ukuhlukana ixesha elidlulayo.
• Ikhaya alizange lithengiwe yerenti. Ukuba indlu ithengiwe njengotyalo-mali, ipropati ayifanelekanga ukuthengiswa okufutshane kwe-FHA.
• Umthengisi ubhekane nobunzima. Abathengisi abaceba ukuhamba kude nekhaya okanye nethemba lokwenza ukuthengiswa okufutshane okungafanelekanga.
• Umthengisi ubuncinane iintsuku ezingama-30 ekugqibeleni ngokuvala. I-HUD ilumkele kakhulu ukuthetha ukuba umthengisi akufanele akhuthazwe ukuba ayeke ukuhlawula kwi-mortgage; Nangona kunjalo, ukuba umthengisi akakho kwimbuyiselo, ukuthengiswa okufutshane kwe-FHA akuyi kuvunyelwa. Andikhathaleli indlela abayithetha ngayo, urhulumente uxelela aboboleki ukuba bayeke ukuhlawula imali .

Imibuzo eqhelekileyo malunga nokuthengiswa okufutshane kwe-FHA

• Kuthatha ixesha elingakanani ukwenza ukuthengiswa okufutshane kwe-FHA?

  Inkqubo yonke iinyanga ezi-4 ukuya kwezi-6, kodwa ingathatha ixesha elide. I-HUD iyakhupha ukongezwa kweenyanga ezimbini. Kubonakala ukuba naliphi na urhulumente abandakanyekayo, umntu unokulindela iteksi ebomvu nokulibaziseka. Okokuqala, ukuba i-servicer yiBhanki yaseMelika, i-HUD ibonisa ukuVunywa kokuthatha inxaxheba-emva kokuba inkqubo ede kunye nekhohliweyo ichonga ukuba umthengisi kunye nempahla ifanelekile ukuthengiswa kweFHA. Umthengisi unikwa iinyanga ezine ukuthengisa ikhaya. Ezinye iibhanki zivuma ukuthengiswa okufutshane kwe-FHA kusekelwe kwisivumelwano sokuthenga.

• Ixabiso leMarike lizimisele njani ukuthengiswa okufutshane kwe-FHA?

  I-HUD iya kwenza uvavanyo lwentsebenzo epheleleyo kwaye ulindele ukuba ixabiso lemarike. Ayiyi kuvumela ixabiso lokuthengisa lokugqithiswa kunye nezinye izinto ezifutshane zokuthengisa ukuba zifakwe kwi-appraisal ngaphandle kokuba ezo xabiso ziphela kuphela ukuthengiswa . Ngokuphelisa ukuthengiswa kweentengiso ezikufuphi, ngamanye amaxesha ixabiso lokuthengisa elivunyiweyo lokugqibela lingenangqiqo, eliyiphutha kwinkqubo.

• Ngaba unokufumana isipho sokuthenga ukuthumela ngenqaku elifutshane lokuthengiswa kwe-FHA?

  Ewe, nangona kungcono ukuba kuvunyelwe "ukuthengiswa kwangaphambili kweentengiso" kuqala, kodwa akudingekile. Kodwa kulula ukuba umthengi, nangona kunjalo, ukuba umdayisi angaphumelela ngaphambi kokuthengisa ikhaya ngenxa yokunciphisa ixesha lokulinda umthengi.

• Ngaba umthengisi angayifumana imali ngokuthengiswa kweFHA okufutshane?

  Ukubonelela ngembuyekezo ayisebenzisi ukunikela ngemali mboleko yesibini, impendulo nguwewe. Imali yokukhuthaza iqala kwi-$ 1,000 kwaye xa kuthengiswa kungavaliwe kwiintsuku ezingama-90, ihla i-$ 750. Ukuba umboleki wesibini ufuna imali engaphezulu kweedola ezili-1,500 ukulungisa ukuthengiswa okufutshane, umthengisi uya kufuneka ukuba abe negalelo kwinxalenye okanye zonke izikhuthazo kumthengisi wesibini.

• Ngaba i-FHA iya kuvumela umthengisi weentengo kwiindleko zokuvala umthengi?

  Nangona kunjalo ukuba abathengi abaninzi be-FHA bafuna ukuhlawulwa kweendleko zemali zokuvala ukunceda ukuhlawula iindleko zokuvala , kwaye i-FHA iya kuvumela i-3% ngetyala xa i-FHA iqinisekisa ukuxhaswa komthengi, i-FHA ayiyi kuvumela ngaphezu kwe-1% yekhredithi kwi-FHA iDemo Sale Sale . Kunokwenzeka ukufumana ukuhluka, nangona kunjalo. I-FHA ilindele ukufikelela kwi-88% yexabiso layo lokuthengisa elivunyiweyo. Ukuba inzuzo yentengo idlula i-FHA ubuncinci, kungenzeka ukuba i-FHA ingavuma umrhumo ophezulu kumthengisi kwiindleko zokuvala zomthengi.

Ingeniso enkulu kakhulu kwi-FHA Sale Short ixesha elibandakanyekayo ekusebenzeni ukuthengiswa okufutshane. Ukuba kunokwenzeka, kuya kwenza kube lula kuwo onke amaqela ukuba umntu obolekayo aqale ukusebenza kwaye alahle ukuguqulwa kwemboleko, landelwa yisicelo sokufumana imvume yangaphambili ye-FHA. Xa usamkelwe kwi-FHA Preforeclosure Programme, ke uqeshise i- arhente yentengiso emfutshane uze uye kwiimarike kwintengo evezwe ngaphambili.

Kukho amabini amabakala abalulekileyo okubandakanya kwi-FHA Itshengiswa ngokufutshane ngeBhanki yaseMerika. Iyokuqala i-verbiage yesivumelwano sokubhala esivumela umthengisi ukuba acimise isivumelwano sohlu ngaphandle kokuhlawulwa ngumthengisi nayiphi na imali. Okwesibini yi-verbiage yesongezelelo phakathi komthengi kunye nomdayisi ochaza ukuthengiswa okufutshane kukuvunyelwe.

_{Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.}