Mhlawumbi uya kuliva i-word escrow ngexesha elithile ekuthengeni kwakho ikhaya, kwaye eli thuba linokudideka kuba lisetyenziselwa ukuchaza imicimbi ehlukileyo eyenziwa ngaphambi nangemva kokuhlala kwezindlu, umhla wokuvala xa ipropathi iba yakho .
Makhe sijonge kwingcaciso yexesha lokunyuka kunye neendlela ezahlukeneyo ezenzekayo ngexesha lakho lokuthengwa kwekhaya.
I-Escrow: Amaphepha okanye enye into exabisekileyo, ngokuphindaphindiweyo imali, ebanjwe yinkampani engathathi hlangothi ukuze isetyenziswe emveni komhla ukuzalisekisa uxanduva.
I-Escrow ngexesha leNkqubo yokuThengwa kwaseKhaya
IiRepositi zeMali ezithengayo
Ukuba uthengisa ikhaya, ukuchayeka kwakho kokuqala ekuhambeni kwimeko mhlawumbi kudibaniswa nediphozithi yemali ehambelanayo ehamba kunye nesipho sakho sokuthenga indlu. Ukuba loo mali ingene kwi-akhawunti yomntu othembekileyo, apho iya kuhlala ihlala khona , ikhuselwe ngumntu wesithathu ongathathi hlangothi uze udityaniswe kuwe xa kuthengiswa umthengi (okanye usasazeka ngezinye iindlela ukuba umthengi wehluleka ukuvala).
Ummeli we Escrow
Uyakuva i-term escrow esetyenziselwa ukuchaza inkampani yesihloko, igqwetha okanye omnye umntu oqeshwe ukuphatha ukuthengiswa kwakho kokuvala. Loo mntu udla ngokuba ngummeli wokumisa ngenxa yokuba ugcina onke amaxwebhu kunye nemali ehambelana nokuthengiswa kude kube ngumhla wokuvalwa.
IiNgxelo zeeLender Esender
Ixesha lokumiswa lisetyenzisiwe kwakhona ukuchaza ama-akhawunti wakho umboleki-mali uyazihlawula ukuze bakhokhele i-inshurensi yasekhaya kunye neerhafu zepropati xa zifanelekile. Ukhumbule ii-initials PITI? Ubabone xa umnini-mboleko ebala imali ehlawulwayo ngenyanga. Lezo zincwadi zimelela iinxalenye zentlawulo nganye:
Iintlawulo zeeRhafu kunye ne-inshorensi zihanjiswa ngqo ngqo kumboleki wakho. Zomibini zezo bhili zihlawulwa rhoqo ngonyaka, kodwa abaninzi ababolekisi bafuna ukuba uhlawule i-1/12 ye-bill yonyaka nyanga nganye. Umboleki ubeka iintlawulo ezikhethiweyo kwiakhawunti ye-escrow, apho baya kuqokelela khona ixesha lokuhlawula irhafu kunye ne-inshorensi kunyaka olandelayo.
Uza kuqala ukuxhaswa nge-akhawunti yakho yokumisela ngokuwenza inkokhelo kubo ekuvaleni.
- P , iNqununu
- Mna , inzala
- T , iintlawulo
- Mna , inshurensi
Izikhokelo ze-RESPA zeeNgxelo ze-Escrow
UMthetho weeNdawo zokuHlaliswa kweeNdawo zangaphandle (RESPA), uquka imithetho ababolekiweyo kufuneka bayilandele xa kuxhaswa imali kunye nokulawula i-akhawunti yakho yokunyuka.
I-RESPA ayifuni ukuba abobolekayo baqhubeke neakhawunti ye-escrow kunye nababolekisi babo-ababolekisi benza eso sigqibo. Imithetho ilawula ixabiso eliphezulu ukuba umboleki angafuna umntu obolekayo ukuba alondoloze kwi-akhawunti yokukhawuleza.
Iikhompyuthela zeAkhawunti
Ababolekisi banokufuna aboboleki ukuba bagcine umgca, okanye ukugqithisa, ibhalansi kwiingxelo zabo zokungena ukulungiselela ukunyuka okungalindelekanga kwerhafu yonyaka olandelayo kunye nee-inshorensi.
I-cushion ayikwazi ukuba ngaphezu kweyesithandathu kwindleko ehlawulwayo kwi-akhawunti ngamnye ngonyaka. Oku kudla ngokuphindwe kwiinyanga ezimbini zokuhlawula iindleko.
Abaninzi ababolekisi ngoku bafuna ukuba ababolekayo baxhamle ii-akhawunti zabo zokungena kwiimali eziphezulu.
Ngaba ababolekisi mabahlawule umrhumo ngemali egcinwe kwiakhawunti ye-escrow? I-RESPA ayifuni ukuba ababoleki bakhokhe umdla kodwa abanye bathi.
Kuthekani ukuba umboleki wam ungehlawule irhafu yam ngexesha? Umboleki kufuneka akhokhe irhafu yakho ngexesha ukuba imali yakho yokuboleka imali ihlawulwe ngexesha. Umboleki-mboleko kufuneka akhokhe nayiphi na isohlwayo ehlolwe kuwe ngokuhlawulwa kwexesha. Ukuba umnini-mboleko uyala, unako ukufaka isikhalazo esisesikweni nge-RESPA.
Yintoni endiyenzayo ukuba umboleki wam ungayikhokheli ingozi yomshuwalense kwaye ipolisi ikhanseliwe? Ababolekisi bafuneka ukuba benze iintlawulo ngexesha ukuba iintlawulo zakho zokubolekwa kwemali zifike ngexesha. Qhagamshelana nombolekisi ngokukhawuleza kunye nefeksi ikopi yesikhokhelo se-inshorensi, ukuqinisekisa ukuba ithunyelwe kwiSebe elichanekileyo. Thetha kummeli ukuba wenza umonakalo ngenxa yokungaphumeleli komboleki.
Abanye abantu bafuna ukuhlawula i-premium efunekayo yokugqibela ukuqinisekisa ukuba ukugqithiswa kwabo kungagqitywanga, ngoko jongene nomboleki-mboleko ukuwubuyisela.
Kuthiwani ukuba umboleki wam ufuna ukuba ndigcine imali eninzi? Buza umnini-mboleko wakho ngencazelo ukuba kufuna ukuba ugcine umgca we-escrow olinganayo ngaphezu kwe-1/6 yemali eyongeziweyo ngasentla. Ukuba impendulo yakho ayinelisekanga, faka isikhalazo ku-HUD.