Indlela Yokuxelela Ukuba Uhlobo Lwentengiso Efutshane luya kuvunyelwa
Amagosa ambalwa amabi athengiswayo athengisa i- carle ye-apple ye-aple encinci kuyo yonke into.
Ayikho yonke into emfutshane yokuthengisa iyingozi. Ezinye iimveliso ezimfutshane zilula ngakumbi kwabanye. Kodwa ubunzima buvame ukubilisa phantsi kohlobo lokuthengiswa okufutshane.
Uhlobo lokuthengiswa okufutshane onokujamelana nayo - nokuba uthengisa okanye uthengisa-kuxhomekeke ngokupheleleyo malunga nohlobo lokubolekwa kwempahla elondolozwe kwipropati yesifundo. Imilinganiselo yolu hlobo lwemboleko incike kwimithetho kaRhulumente. Ukuthengiswa okufutshane eCalifornia, umzekelo, uhluke ngokuthengisa okufutshane eFlorida, kuba imithetho iyahluke.
Iintlobo ezi-3 zeMali-mboleko emfutshane
Indlela umnini-mali ophendula ngayo kwisicelo esifutshane sokuthengiswa siyahluka kunye nohlobo lomboleko. Kukho iintlobo ezi-3 ezisisiseko zemali-mboleko ezithintela ukuthengiswa okufutshane, ngokukodwa kwiimvumelwano ezithembekileyo ezifana neCalifornia ne-Arizona.
- Ukuthenga imali mboleko: Imboleko yemali yithengi mboleko efunyenwe ukuthenga ikhaya. Akuyona mboleko yemali enzima. Ingaba mboleko enye okanye ezimbini mboleko . Ukuthenga iimali-mboleko zemali kubahlali bemihlali banikezela ngexabiso elifanelekileyo. Kwamanye amazwe, ukuthenga iimali-mboleko zemali kungenzi nto.
- I-Rate-and-term Refinance: Olu hlobo lokuboleka imali lubizwa ngokubanzi njengemboleko yemali enzima . Ingeniso-mboleko yokuba umninikhaya uvela emva kokuba kuthengwe indlu kwaye ivenkile ivaliwe. Enye indlela yokuthetha ngayo akusiyo mboleko yemali yokuthenga. Imali yale mboleko iyasetyenziselwa ukuhlawula umboleko okhoyo, ngokuqhelekileyo kwizinga elingcono lomdla kunye / okanye kwekota. Ingaba mboleko enye okanye ezimbini mboleko.
- Ukuhlawulwa kweCashout okanye kwi-Equity Ekhaya: Olu hlobo lokuboleka imali luyimboleko yemali enzima. Oku kungowona mvuzo ogqithiseleyo ukuba ube neencwadi. Kuthetha ukuba umntu obolekayo wathintela ikhaya ngemali kwaye usetyenzise imali leyo kumntu obolekayo. Iinjongo ziyahluka ngenxa yokuhlaziywa kwe- cashout kunye nokuhlawula ukuhlawula imfundo yekholeji okanye iinkonzo zonyango eziphuthumayo kwiinkcitho ezininzi ezifana nokuhlawula ikhefu laseYurophu okanye ukuthenga i-boatboat. I-cashout ihlaziywa ngokuqhelekileyo mboleko enye kwindawo yokuqala; ngelixa, imali mboleko yemali ingathabatha ifom ye-mboleko encinane.
Indlela ezithengisayo zeBhanki eziPhatha ngayo iintlobo ezi-3 zoThengiselo olufutshane
Okokuqala, uyazi ukuba zonke iibhanki zihlukile; zonke iintengiso ezimfutshane zihlukile. Amabhanki athabatha isalathiso kubaphathi-mali kunye ne- PSAs . Nangona kunjalo, uhlobo lomboleko ebhanki eceliwe ukuba lixolele ludla ukulawula indlela ibhanki eya kuphendula ngayo. Oku kuthathelwa ingqalelo, okwenyani, ukuba umthengisi omthengisi omfutshane ufanelekela ukuthengiswa okufutshane ngethuba lobunzima. Ukuba isiseko senkxwaleko asikho, ukuthengisa okufutshane kungenakufumana imvume, kungakhathaliseki.
- Ukuvunyelwa kokuthengiswa kweMali emfutshane Ukuthenga: Ezi zizithengiso ezifutshane ezimfutshane zebhanki ukuvuma. Ngokukodwa xa umntu obolekayo enzima ukwenza iintlawulo ngenxa yobunzima bezemali. Kulo mzekelo, akukho nemali eyayiwela ngezandla yadalwa kwisikhokelo somboleki; Ekuqaleni kwakusetyenziswe imali ekuthengeni ikhaya . Nangona kunjalo, akuthethi ukuba umboleki uya kumvumela umninimzi ukuba ahambe kude nekhaya ngokuthengisa okufutshane ngaphandle kokwenza umthengisi . Kodwa igalelo, ukuba likhona, liyakuthi lincinci.
- Ukuvunyelwa kweMali kunye neRhafu yokuThengisa ukuThengiswa okufutshane: Olu hlobo lomboleko luphantse luhamba kunye nemali mboleko yemali ngaphandle kokuba ininzi ebonisa ukuba uyayisebenzisa. Umboleki-mali angaba nelungelo lokugwetywa . Ngenxa yoko, kwaye ngenxa yokuba ayiyimali mboleko yemali, ngamanye amaxesha amabhanki kunye nabatyalomali babo baya kufuna umrhumo womthengisi. Kungenxa yokuba ukuthengiswa okufutshane kunokunceda umthengisi ngaphezu kwe- foreclosure . Isixa semali sinokuxhomekeke ekubeni ubunjani ibhanki kunye nabatyalomali bayo bakholelwa ukuba kunokuqokelela, ngokusekelwe kwingcaciso yemali enikezwe ngumthengisi.
- Ukuvunyelwa kwe-Cashout Ukuhlawula okufutshane Ukuthengiswa: Akungabazeki malunga nalo - ibhanki iya kucela uhlobo oluthile lomrhumo. Kulo hlobo lokuthengiswa okufutshane, izinto ezinzima kodwa zingekho phantse nokuba ibhanki inikeze imali ayibuyanga. Kuphantse ukuba abanye abathengisi bahlawuliswe yibhankini. Iminikelo yabathengisi ingaba phezulu kunabo baceliwe ukukhulula imboleko yemali yokuthenga. Abathengisi banokufuna ukuqesha igqwetha elinamava athengisa ukuthengisana ngale ndlela yokuthengiswa okufutshane.