Ingxaki enkulu yokuthengiswa emfutshane
Uhlobo oluqhelekileyo lweengxaki ezithengiswayo ezincinane xa umthengisi engenalo ubunzima. Abathengisi abaninzi bayazi ukuba ukuthengiswa okufutshane kuthetha ukuba ikhaya liphantsi kwamanzi . Awukwazi ukwenza ukuthengisa okufutshane kwikhaya eliza kuthengisa ngokwaneleyo ukuhlawula imali epheleleyo kunye nokuhlawula zonke iindleko zokuthengisa. Xa kungekho nto eyaneleyo yokuhlawula imali emele ibhanki, ikhaya lithengisa ngokufutshane.
Ukuphela nje ukuba mfutshane kwi-bhanki ayikho isizathu esaneleyo sokuthengisa okufutshane, kwiimeko ezininzi. Ngokuqhelekileyo, ibhanki ilindele ukufumana unobumba obunzima ukusuka kumthengisi ochaza:
- Indlela umthengisi angena ngayo ingxaki
- Oko umthengisi oyenzile ukulungisa ingxaki
- Kutheni akukho nto iza kusebenza
Ukuba imeko yabathengisi iyafana nangomhla wokuthengisa umthengi, umboleki-mali akanakwenzeka ukuba anike ukuthengisa okufutshane. Uninzi lweebhanki lugxininisa ubunzima bokuthengisa. Akukho bunzima yingxaki emfutshane yokuthengiswa engabangela ukukhishwa okufutshane .
Isixazululo kule ngxaki emfutshane yokuthengisa? Nokuba uzame kwakhona emva kokuba ubunzima bube khona okanye uzinikezele ukuthatha inxaxheba ekulahlekeni kwebhanki ngokwenza igalelo lomthengisi .
Iimali eziMali ezininzi zingaba yingxaki emfutshane yokuthengisa
Ezinye iibhanki ezithengiswayo ezincinci zineenkcukacha ngokubunzima. Ngokuqhelekileyo, ezo mabhanki zingahamba enye yeendlela ezimbini.
Ingaba i-bhanki iya kulahla ukuthengiswa okufutshane okanye ibhanki iya kuyayivuma, ibumnyama okanye imhlophe kwaye iziphumo zakho zi malunga ne-50/50 neebhanki ezithile.
Oku akuthethi ukuba rhoqo xa ufumana ukuthengiswa okufutshane kunye nemiboleko emibini ukuba umbolekisi wesibili uza kubangela iingxaki ngenxa yokuba akunjalo. Nangona kunjalo, imbangela yenkinga kunye nekhredithi yesibini ngokuqhelekileyo isixa semali. Umboleki wokuqala angenakufuna ukuhlawula umboleki wesibini ngaphezulu, uthi, $ 3,000.
Ukuba ikhaya liya kungena kwi-foreclosure, mhlawumbi umthengi wesibili angasuswa. Kodwa akuthethi ukuba okwesibini awunakudityaniswa, okanye ukuba okwesibini ahlawulwa nge- PSA okanye ukuma ukufumana imali ebalulekileyo yebheyili evela kurhulumente.
Isisombululo kule ngxaki emfutshane yokuthengisa kukubeka uxinzelelo kumthengisi wesibini ukuthatha ukuthengisa okufutshane okanye ukufumana umthengisi wokuqala ukuba anikezele ngakumbi. Umboleki wokuqala unokubuyela phantsi aze avume ukuhlawula ngaphezulu. Ukuba izikhokelo zokuqala zezikweletu zingavumeli ukuba inkokhelo, izikhokelo zivumeleke, zithi, ityala kumthengi kwiindleko zokuvala , ngubani na onokuyihlawula isibini. Kodwa jonga umthengi womthengi kuqala. Ngamanye amaxesha umnini-mboleko wokuqala uza kuvumela umthengisi ukuba ahlawule ngaphezu kwesibini.
Akukho Khululwa kweMfanelo yoBuntu yinkinga yokuThengisa okufutshane
Ngaphandle kokuba ndixhalabile, isizathu esona sizathu sokwenza ukuthengiswa okufutshane, ngaphandle kokuphepha ukuhlambalaza kunye nemigibe yokuchithwa kwemali, kukufumana ukukhululwa kwemfanelo.
Abbolekayo bafanelwe ukukhululwa embolekweni, ukuqinisekiswa ukuba umbolekisi akayi kubaphishekela ngenxa yokuntuleka emva kokuvala.
Ukunika ukuthengiswa okufutshane kunye nokukhulula umthengisi kwiimbopheleleko ezimbini izinto ezahlukeneyo. Ibhanki ingavuma ukwenza ukuthengiswa okufutshane kwaye igcine inelungelo lokulandela umthengisi ngemali engakhokhelwa. Ngokuqhelekileyo, ukuba incwadi encinci yokuthengisa ayithethi ngqo ingxaki, umthengisi akakhishwa.
Abanye abathengisi baseCalifornia bathi i-SB 458 iyabakhusela kuba ilungiswe i-CA Civil Code 580e. Iikhowudi Zombutho zinokutshintshwa. Imithetho inokuguqulwa okanye ifunyaniswe ingahambelani nomgaqo-siseko. Isisombululo kukugxininisa ekukhutshweni.
Ibhanki iya kukuxelela ukuba ayikwazi ukutshintsha i-verbiage, kodwa ingumthengisi ongafuni ukuxhatshazwa. Amabhanki anokukwazi ukutshintsha i-verbiage.
Ukugxininisa kuyo. Ukuba i-arhente yakho ayikwazi ukuyifumana yona, qeshisa igqwetha elifutshane lokuthengisa ukufumana ukukhululwa kwemfanelo.