Imibuzo yokubuza uMthengisi omfutshane wokuthengisa

Indlela yokuvavanya iimpendulo zokwazi ukuba kulungile ukulandela ukuthengiswa okufutshane

Esinye sezona zizathu eziphambili zokuthengisa ezifutshane kukuphumelelanga kuba abazange bafumane ukuthengisa okufutshane okuqhelekileyo ukuqala. Kungenxa yokuba kubonakala ngathi ukuthengiswa okufutshane kunye neentonga ezinjengeentengiso ezimfutshane akuthethi ukuba kuthengiswa okufutshane. Ukuba uceba ukuthenga intengiso emfutshane, kufuneka uxoxe ne-arhente yohlu. Kancinci, ngaphambi kokuba ubhale umnikelo, cela i-arhente yakho ukuba ithethe ne-arhente ye-list.

Uza kufumana amanqanaba ekhono ahlukeneyo kunye namanqanaba emfundo phakathi kwababhenisi bezindlu.

Azikho zonke ezifanayo. Ngaphezulu kwelo, phosisa kumxube ukuba phantse i-85% ye-arhente yabantu abasondeleyo mhlawumbi ama-3 okanye 4 ukuthengisa ekhaya ngonyaka, ngoko inani elikhulu elingenakubalwa lifutshane kumava. Kulabo, bambalwa abathatyathwa njengeengcali zentengiso ezifutshane.

Yiyiphi iNqanaba Lakho Lamava Okuthengisa Okufutshane?

Ukuba ubuza lo mbuzo, landelwa ngokucaciswa, i-arhente inokuthi iphendule ukuba i-arhente ayiveli ithoni yokumangalelwa ngelizwi lakho. Awufuni ukwenza i-ejenti ikhusele okanye iphikisana. Unokuthi, "Ndiqinisekile ukuba uthengisa le ndlu, uyafuna ukwazi ukuba umntu ojongene nempumelelo yalo mthengiso omfutshane unamava afumana ukuvunyelwa ngokugqithiseleyo."

Bangaphi Abathengi ababandakanyeka kule Mveliso emfutshane?

Ukuthengiswa kwakho okufutshane okufutshane akuthethi ukuthengiswa okufutshane kunye nomboleko omnye kuphela kuba loo mboleko enye inokuthi ithwale i-inshurensi yokubolekisa. Xa kukho ii-mboleko ezi- 2 ngokuthengiswa okufutshane , unokuqinisekiswa ukuba akukho MI kwaye akukho mvume e-MI efunekayo.

Ezinye iinkampani ze-inshurensi zempahla ye-mortgage ziye zaphuma kwishishini, kanti abanye bafuna umrhumo onzima wokuthengisa ngenxa yokuba i-MI imele ikhuphe iphesenti ethile yokulahlekelwa ngumboleki.

Yintoni Ongayandithetha Ngayo Ngomthengisi?

Impendulo engcono kakhulu kuloo mbuzo yilo Mthengiso omfutshane weWachovia. Ngenxa yokuba ukuthengisa okufutshane kweWachovia kuvunyelwe kwiintsuku ezi-2 ukuya kwezi-14.

Iibhanki ezininzi ziqhuba ukuthengisa okufutshane malunga nenkonzo yesofthiwe ye-intanethi njenge-Equator, ephucula ixesha lokuphendula kwaye inciphisa amathuba okuba amaxwebhu aya kulahlekelwa.

Ngaba Lo nguFannie Mae, uFreddie Mac okanye olunye uhlobo loQumrhu loRhulumente oluShishini elifutshane?

Ukuba ukuthengiswa okufutshane kuwela phantsi kweprogram ye- HAFA Yentengiso emfutshane kwaye inkqubo ayiqalanga, ngoko ungalindela ukulibaziseka. Ukuqinisekiswa kwangaphambili HAFA ukuthengiswa okufutshane kukuhluke kwi-HAFA yokuthengisa ngokufutshane. UFreddie Mac kunye noFannie Mae bathengisa iifayile zabo, ngokukodwa ukuba ngaba yi-HAFA. Ukuthengiswa okufutshane kwe-FHA kulandela enye inkqubo.

Luhlobo luni lweMibhalo oyenayo kumthengisi?

Eyona nto, ufuna ukuva ukuba umthengisi unenkathazo yezezimali, nangona i-agent ye-intengiso efihlakeleyo yokuthengisa ayifumane ukwabelana nalolo hlobo lwengcaciso eyimfihlo neyimfihlo nawe. Kodwa ufuna ukwazi ukuba i-arhente inokubuyiswa kweerhafu kuncinci, izitatimende zasebhanki, ii-stubs zokubhalwa kunye ne-W2s, ngaphezu kweleta yobunzima .

Ngaba Uyazi ukuba uMthengisi uyamkeleka kwiNgalelo okanye nokuba igalelo liye laxoxwa?

Ngamanye amaxesha ukuthengisa okufutshane kukuphumeleli kuba abathengisi abazange baqonde ukuba umrhumo womthengisi unokufunwa, kwaye abanakho imali, okanye bayenqaba ukuthatha inxaxheba.

Kwimihlaba evumela ukuba izahlulelo zokulahleka , umrhumo wathengisi yindlela ephela yokufumana ukukhululwa kwemfanelo. Ngaphandle kokukhululwa kwemfanelo, abanye abathengisi abanaso isizathu sokuvala ukuthengiswa okufutshane.

Yiyiphi iNkqubo Yakho Emva kokuba uMthengisi avume i-Offer?

Impendulo engcono kakhulu apha igosa liya kuthumela isibonelelo, kunye ne-HUD kunye nephakheji elifutshane lokuthengisa kwibhanki ngokukhawuleza. Ukuba i-arhente ithi uya kufuneka ahlole umphathi okanye i-arhente ayayazi okwenzekayo ngokuzayo, unokufuna ukunqumla le ntengiso emfutshane.

Zingaphi Izipho Ngaba Uthumela kwiBhanki?

Kukho impendulo eyodwa echanekileyo kulo mbuzo, kwaye loo mpendulo iyona nto isinikeleyo. Amabhanki afuni ukufumana okungaphezulu kwesibonelelo esisodwa. Ukuba ibhanki ifumana isibonelelo sesibini, ibhanki inokuthi idibanise isibonelelo sokuqala. Kukho iindlela umthengisi angashenxisa isivumelwano sakho sokuthengiswa esifutshane ukuba umthengisi unqwenela, ngoko ubuze malunga nalo.

Ude Udelele Kangakanani Ukuvunyelwa Okufutshane Okuthengisiweyo?

Akukho ziqinisekiso ngaphandle kokuba kuqinisekiswe ngaphambili ukuthengiswa kwe-HAFA. Akukho nkonzo inokuqinisekisa ixesha elithile, kodwa abaninzi banokukwazi ukukunika uqikelelo lwexesha ngokusekelwe kumava abo kunye neentlobo ezifanayo zokuthengisa okufutshane. Misela ixesha elide oza kulinda ukuvunyelwa okufutshane kwintengiso kwangaphambili.

Yintoni oyilindeleyo kumthengi?

Kwintengiso yam mfutshane, umzekelo, silindele ukuba umthengi akhulule idiphozithi yemali ngokunyanisekileyo. Abathengisi bam bafuna ukuba umthengi kunye ne-ejenti yomthengi angabhala izibonelelo ezininzi , kwaye sifumana lesi sithembiso ngokubhaliweyo. Abathengi abangafuni ukuthobela abayithengi kwincwadi yam. Kodwa njengokuba ndathi, yonke i-agent ihlukile. Ngoko, fumana oko kulindeleke kuwe kwaye nokuba ungaphila nayo.

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