Abboleki Bangakwazi Ukuncedisa Inkqubo ye-TRID
Ukufumana i-TRID phantsi kwe-TRID kwakungekho yinkomo eyoyikisayo ininzi kwizentengiselwano zentengiso eyesabileyo ekupheleni kuka-2015. I-Bhujethi yeMali yokuThengwa kweMali yabathengi ilandelwe indlela indlela yokubolekwa kwemali ehlawulwa ngayo kwaye ibhengezwe kubbolekayo ngo-Oktobha 5, 2015 ye-TILA RESPA Ukwaziswa okudibeneyo okanye i-TRID.
Ukwesaba le nkqubo entsha kubangele abanye abameli bezindlu ukuba bafune i-TRID imele imela: Isizathu sokuba ndiyisele.
Emva kwakho konke, iQiniso kuMthetho Wokuboleka (TILA), owenziwe ngo-1968, kunye noMthetho weeNdawo zokuHlaliswa kweeNdawo zangaphandle, owenziwe ngo-1974, kuye kwaba yintloko yamatyala kwiminyaka emininzi, kwaye ukutshintsha yonke loo mithetho yayisongela. Urhulumente-federal wawususa i- HUD-1 waza wawuthatha indawo ngeCandelo lokuVala ukuValulwa (CD), kunye nokuLungiswa koKulungiselelo loKulungiselelo (GFE), kwakhona, ekuxhaseni iNgxowa-mali.
Injongo ye-TRID yayikukulula, kodwa kusekho nzima ukuba umntu oqhelekileyo aqonde. Uninzi lwabantu abazange bazi indlela yokufunda i-HUD, ngoko akumangalisi ukuba ukuvezwa kokuvalwa kwakhona kunzima - ngakumbi xa umntu ecela inkcazo yeentengo zemthengisi, kakhulu kunjengeenkcukacha zentengiso kwi-HUD , kodwa bambalwa abaqonda ukuba kubalwa.
Ngethuba lokuqala, sasinomdla wokuba senze isicelo semali mboleko phantsi kwekhokelo ze-TRID xa sathenga ikhaya eHawaii. Amagama okuqala avela emlonyeni wegosa lomboleko wemali yokubolekwa ngemali sasingasayi kuvalwa ngexesha ngenxa ye-TRID.
Sifumene abaninzi ababolekayo baxwayisa abathengi ukuba ukuvalwa kungabambezeleka ngenxa ye-TRID, kodwa ukulibaziseka kubangelwa ngoku:
- Utshintsho kwisivumelwano sokuthenga ,
- Ukungaphumeleli komboleki ukuphendula ngexesha elifanelekileyo, okanye
- Iiphoso zegosa lokubolekwa kwemali mboleko, okanye
- Isihloko / escrow ubambiswano obambiswano, okanye
- Ukudibanisa nayiphi na okanye konke oku ngasentla.
Imboleko yethu yalibaziseka ngenxa yegosa lemboleko yemboleko yemali ebolekayo emva kokusila ngokukhawuleza kwisilumkiso sokuba imali yethu mboleko ayiyi kuvala ngenxa ye-TRID. Sithumele nganye idokethi enye kwiiyure zesicelo. Igosa lemboleko yokubolekwa kwemboleko yayinefayile yethu epheleleyo ngomhla we-24 kuDisemba kwaye ayizange ifake ifayile yokubhalwa phantsi kuze kube nguJanuwari 5. Esi sizathu sokulibaziseka. Kwakungekho ngenxa yeziphene kwisicelo semboleko, imiba yekhredithi okanye engenayo imali engenayo.
Igosa lemboleko yokubolekwa kwemali liye lahlehla ibhola. Akuyiyo yonke igosa lemboleko yemboleko yemali yinto yesandla ngabanye, nokuba. Abanye baxhomekeke kuphela kubaprojekthi-mboleko kunye namanye amalungu eqela labo ukuze baqonde i-TRID baze balandele iinkqubo zazo. Igosa lethu lemali-mboleko ye-mortgage eCalifornia inokuphendula nayiphi na umbuzo esiwuphonsa kuye, kodwa kungenjalo ngegatsha laseHawaii. Zonke zihluke. Nangona kunjalo, amava ethu ekusebenzelaneni nabanye abaphathi bemboleko mboleko kunye ne-TRID kukuba i-mortgage isondele ngexesha xa ilawulwa kakuhle.
Imali yokulingana ye-TRID
Uqikelelo lwemboleko ngumbhalo wephepha eli-3 owenzelwe ukubeka iimpawu eziphambili, iindleko kunye neengozi zemali. Kufuneka ukuba kuhanjiswe kumbolekeki kwisithuba seentsuku ezintathu emva kokufumana isicelo sokubolekwa kwemali mboleko kodwa kungekho iintsuku ezi-7 ngaphambi kokuvala.
Uqikelelo lwemboleko lubeka imigaqo-mboleko, iintlawulo zokuboleka imali , iindleko zokuvala kunye nokubeka ezinye iindleko, ezininzi zazo ezingenakuguquka. Into endiyithandile ngoku ngolu xwebhu ibonisa ababoleki imali yentlawulo yenyanga nganye, equka iirhafu kunye ne-inshurensi, i- PITI, into ebalulekileyo eyayingekho kwi-Old Faith Faith Estimate.
UkuValulwa kokuVala kwi-TRID
Olu xwebhu lushintsha i-HUD-1 neNyaniso kwiNgxelo yokuLawulwa, kwaye injongo yalo kukunceda umntu obolekayo ukuba aqonde zonke iindleko ezihambelana nemboleko mboleko. Ingxaki ebalulekileyo ngale nkcazo iqulethe iirhafu ezihlawulwa ngumthengisi egameni lomboleki kwaye kudibanisa abobolekayo kuba ezinye zezi ntlawulo ayikho imali ehlawulwa ngqo ngumboleki. Kodwa lo urhulumente kuwe.
Njengombolekayo, awukwazi ukutyikitya iimpepha zemboleko uze ufumene kwaye usayine ukuValulwa kokuVala okungenani iintsuku ezi-3 ngaphambili. Ukuba kukho nayiphi na utshintsho kwimboleko yakho ngethuba lexesha, ukuchazwa okutsha kuyakufuneka, okwenyusa ixesha lokuvala. Yithi, umzekelo, uqhuba ukuhamba kokugqibela kwipropati uze ufumane iwindi ephukile. Ukuba umthengisi unikezela ngemali ukuba atshintshe iwindow ephukile, oko kungabangela ukuba kuveliswe ukuValulwa kokuVala, okungeze kwanezinye iintsuku ezi-3 ukuze ubhalise amaxwebhu omboleko.
UkuValulwa kokuVala kwifomu lephepha le-5, enye efana neyoMyinge eNgqalileyo kwaye ifanisa imiqathango yoLungelelwano lweMali-mali kunye neMigqaliselo yokuVala, ecaleni. Ezinye iimali ezifana nezo zihlawulwe kumboleki-mali azikwazi ukuhluka kuzo zonke. Ezinye iirhafu ezifana nokurekhoda kunye neentlawulo ezithile zenkampani yesithathu ezikhethwe ngumboleki zingatshintsha ngo-10%, kwaye ezinye iirhafu ezifana neengxelo ezingenayo zingadlulela uqikelelo ngaphandle kokunciphisa.
Iindlela ezi-5 ezibolekayo ababolekayo banokuphephelela ukulahlwa kweNgxowa-mboleko ye-Mortgage kwi-TRID
I-inshurensi yakho engcono kakhulu kukukhetha igosa lemboleko yemboleko yemvume yokuthenga imali eyazi kakuhle kakuhle indlela i-TRID isebenze ngayo kwaye inokuchaza zonke iinkathelo zenkqubo leyo, ngaphezu kokucwangcisa ngokucophelela inkampani yesicatshulwa / ityala. Ukusebenzisana phakathi kwezi zibini kuyimfuneko. Amagosa asebolekayo kunye nabasemagunyeni abagciniweyo abavala ixesha elininzi lokuthengiselana badla ukusebenzisa iindlela ezikhusela iimpazamo okanye iimpazamo. Ukongezelela, ukuba i-MLO iqala ukukhenkcela nge-TRID, kwaye ixhaphaze i-TRID njengesizathu esinokwenzeka, uye kwenye indawo.
2. Ngokulandelayo, hlawulela onke amaxwebhu akho emali kwangaphambili. Ababoleki ngokubanzi baya kufuna amaxwebhu alandelayo:
- Gcwalisa iirhafu kunye ne-W2s
- Iikopi zazo zonke iingxelo zebhanki
- Iintsuku ezingama-30 zee-stubs payroll
- Ikopi yelayisenisi yakho yokuqhuba
3. Qinisekisa ukuba ufuna ukuvalela umboleko wakho .
4. Gcwalisa konke ukuhlolwa kwekhaya kunye nesicelo sokulungiswa kwangethuba kwenkqubo yokuba nayiphi iinguqulelo kwisivumelwano sokuthenga ayiyi kulibazisa ukuvala kwakho. Buza igosa lakho lemali-mboleko yemali mboleko.
5. Nangona kungenakuthi, ndiya kuthetha njalo: ungenzi naluphi utshintsho kwiimeko zakho zemali ngelixa ulinde ukuvala. Musa ukutshintsha umsebenzi wakho. Musa ukuthenga imoto. Musa ukwenza nayiphi na into ebalulekileyo yokuthenga. Musa ukuthatha nayiphi na ityala elongezelelweyo.