Ukuba uzama ukufumana uhlobo olungalunganga lwemboleko, nangona ukuthengiswa kwakho okufutshane kukuvunywe libhanki lomdayisi, unganakho ukuvala loo nto ngenxa yokuxhaswa kweengxaki. Ngelishwa, akuwona wonke uhlobo lwezimali ezikhoyo eUnited States ezisetyenziselwa ukuthenga ukuthengisa okufutshane.
Ukulinda Ukuvunyelwa
Ngaphandle kokuba kuthengiswa okufutshane uceba ukuthenga okanye ukuthengiswa okufutshane kwe-HAFA, uvumelekile ukubala ngokulinda ixesha elifutshane ukufumana imvume yokuthengisa. Ukufumana ukuthengiswa okufutshane kukuvunyelwe ukususela kwiiveki ezi-4 ukuya kwezi-8 ngokuqhelekileyo, unyaka okanye ngaphezulu.
Ngeli thuba lexesha, inzala yenzalo iyatshintsha. Abanini-mboleko abaninzi abayikuvalela imali mboleko kwiintsuku ezingaphezu kweentsuku ezingama-30 ngaphandle kokukuhlawula ilungelo. Abanye abayi kukunika ikrity mboleko uze ufumane imvume yokuthengisa emfutshane. Ukuba iirhafu zakho zentshisekelo ziqhubela phezulu, unokufumanisa ukuba awunakukwazi ukuthenga loo ndlu.
Icebiso: Zama ukuthenga ngaphantsi kweendlela zakho. Musa ukululela imali yakho ebolekisiwe ngaphambili. Ziyeke uguquko.
Ukungavali Ngaphambi kokuba imvume ivunywe
Iibhanki ezininzi ezithengiswayo ezincinane zifuna ukuvalela zingakapheli iintsuku ezingama-30 zokuvunyelwa okufutshane. Ukuba ufumana imali mboleko efuna ixesha elide lokuvunywa njengemali-mboleko yeCandelo 184, awukwazi ukuvalela ngexesha elichazwe kwaye imvume yakho iya kuphelelwa yisikhathi.
Ngamanye amaxesha, nangomboleko oqhelekileyo , ukulibaziseka ngefowuni yakho yokuthengisa emfutshane kukuphepheka. Mhlawumbi abahloli be-appraisers baxhaswa kwaye i-appraisal ayikwazi ukugqitywa ngexesha okanye kubhala phantsi kuthatha ixesha elide kunexesha eliqhelekileyo. Ukuba impendulo yomboleko ayizange ifumane ukuphulwa kwemirhumo evunyiweyo, kwaye enye yemirhumo umdayisi akavumelekanga ukuhlawula idluliselwe kumthengi, ukuhlaziywa koBulungiseleli boKulungiselelo loKulungiselelo kunokulibazisa inkqubo, kwakhona.
Ezinye iibhanki aziyi kukhupha isongezelelo seencwadi zabo zokuthumela iifutshane.
Iphulo: Cela umthengisi wakho phambili xa inkampani inokuqinisekisa ukuvalwa kwemini-30. Ngaphezu koko, ukuba uva ukuba incwadi yokuvuma iya kuza, qala umboleko wakho kwangaphambili.
Ukulungiswa Kwezinto ezinokuthi zihlawulwe ngokukhawuleza
Ababoleki abaninzi banemeko yokubolekisa. Izikhokelo zokulungisa ze-FHA zingabiza ukulungiswa okuninzi njengokulungisa ukupenda kwindlu yokuqala ngaphambi kowe-1978 okanye ukufaka ii-handrails. Imali mboleko ye-VA iya kucela ukuba ingxelo yenkathazo kunye nesitifiketi esicacileyo sokuzaliswa kwezilwanyana. Nangona umboleko wakho uyingqungquthela, u-appraiser angayiqaphela uphahla olungaphumeleli kwaye acele ukuba atshintshe ngaphambi kokuba avume ukuxhasa imali leyo. Amabhanki aya kubakhokhelwa ngokukhawuleza ukulungiswa. Ukuthengisa okufutshane kukuthengiswa "njengokuba" imeko. Ngaphezu koko, ibhanki ayiyi kuvumela ukuba umthengisi ahlawule ukulungiswa, kuba ukuba umthengisi unemali eyongezelelweyo, ngokubanzi ibhanki iya kufuna loo mali.
Icebiso: Cela i-arhente yakho ukuba ihlolisise ikhaya kwaye ixoxe ngeengxaki ezinokwenzeka ngaphambili.
Iindleko zokuvala azinakufunyanwa
Ngokuqhelekileyo, abathengi baya kucela umthengisi ukuba ahlawule iindleko zokuvala . Ukuba umthengi akanakho imali eyaneleyo yokuhlawula iindleko zokuvala kwaye ibhanki enqabe ukuvumela umthengiso, umthengi angenakho ukuthenga loo ntengiso emfutshane .
Ngamanye amaxesha, i-Wells Fargo FHA ibhanki ezithengiswayo ngokufutshane ziya kunciphisa inani elihlawulelwa ngamanye amabhanki kuba uFrans uthi izikhokelo zalo ze-FHA ziyakwenqabela i-credit-full 3% kwezinye iimeko. Ndifumanise ukuba ezinye iibhanki zentengiso zifutshane ziya kukwenqaba ngokuzenzekelayo umthengi wokuvala umthengi ukuba umthengi ubeka ngaphezulu kwe-3.5%.
Icebiso: Buza i-arhente yokurhweba ukuba ibhanki iya kuhlawula umrhumo kwiindleko zokuvala xa ubhala umnikelo okanye unikela ngaphezu kwexabiso lohlawulelo.
Ukujongana nababoleki ababini kunye nokufumana imvume
Ukuba kukho ii-mboleko ezi- 2 ekuthengisweni okufutshane , uya kufuna imvume evela kubini ababolekisi ukuvala. Uthatha umngcipheko ukuba uqhube phambili kunye novavanyo okanye / okanye ukuhlolwa kwasekhaya ngaphambi kokufumana imvume kubo bobabini ababolekisi. Omnye umboleki angavuma xa omnye enokwenqaba ukuthengiswa okufutshane okanye into kumrhumo womthengisi kwi-HUD.
Iphulo: Cela ukuba ubone ingxelo yesigcaziso sokuqala okanye isihloko sokuzinikela ekufumaneni ukuba zininzi kangakanani iimali-mboleko ezikhuselekile kwipropati. Kukho umboleko ohlawulwe ngokungahlawulwanga kwakhona.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.