I-B yeNkqubo yoThengiselo oluShushwankathelo elifutshane lokuBambisana lingabhawula ukuNcediswa koNcedo
Ngaphambi kokuba ndixelele ukuba ungenza njani iBhanki yaseMelika ukuthengiswa okufutshane, ndinokubhengezwa kuwe. Xa isitokisi seBhanki saseMelika sasihamba kwindawo yesigidi esisodwa, ndathenga iqela layo. Kungenxa yokuba ndiyakholwa, kungakhathaliseki ukuba uyayiva ntoni, iBhanki yaseMerika yajika ikona kunye neentengiso zayo ezimfutshane kunye neepropati ezixinzelelekileyo. Ukuthengisa okufutshane okubambisana kwahlelwa.
Ndiye ndithengisa ukuthengisa okufutshane ixesha elide, ngoko ndadekho ekuqaleni kuka-2005 kunye neBhanki yaseMelika .
Ndiyazi intlungu - ukuhlushwa, intlungu yokuqala. Ukususela ngo-2010, xa i-Bank of America idlulele kwi-Equator, inkqubo yayo yokuthengisa emfutshane yaqala ukuphucula ngokuphawulekayo.
Ngenxa yesimo esisebenzayo ngokubhekiselele ekusebenziseni ukusebenza, iBhanki yaseMelika sele isigxina ixesha layo lokuvunywa ukusuka kwiinyanga ezili-12 ukuya kwezi-18 ukuya kwiinyanga ezi-2 ukuya kwezi-3. Ezinye iimveliso ezimfutshane zithengiswa ngeeveki ezine. Kodwa ukuthengiswa kweMfutshane okuBambisana kwakuyizilwanyana ezahlukeneyo. Kwakhona, ukuba umboleko okhoyo ube nelizwe lonke, ukuthengiswa okufutshane kwintsebenziswano kwakunokuzenzekelayo.
Kutheni iBhanki yaseMelika inika ukuThengiswa okufutshane
Amabhanki awayekho kumashishini okwenza ubomi kube lula kubaxumi bawo kuncinci abagqatswa bezentengiso. Iibhanki ziseshishini ukuguqula inzuzo. Isizathu esona sizathu sokuba iBhanki yaseMelika iqalile ukuThengiswa okufutshane okuSebenzisanayo kukunyusa inzuzo yebhanki.
Ibhanki ibhekane neengxaki eziliqela kwiminyaka yokuqala yokuthengisa okufutshane:
- Idumela elibi ngokuthatha ixesha elide ukuqhuba ukuthengisa okufutshane
- Ngenxa yobude bexesha lokuthenga ukuthengiswa okufutshane, abathengi benza izibonelelo eziphantsi kwebhola .
- Ukuqinisekiswa kwendlela yokwenza ukuthengiswa okufutshane , amaninzi amanxusa athengisa ixabiso elifutshane lokuthengisa ngokungafanelekanga.
Kubonakala ngathi iBhanki yaseMelika yafika kwesi sigqibo: Ukuba iBhanki yaseMelika ingakhetha ukhetho lwamanani okuthengiswa okufutshane kunye nokuvuma ukuba ukuthengiswa okufutshane kusasaze ngeSatifikethi esifutshane sokuThengiswa, kuya kuzuza ukulawula ukuthengiswa okufutshane.
Ibhanki nayo iya kwandisa kakhulu ukuba umthengi uya kuhlawula ixabiso lemarike ukuba umthengi akaphoqelekanga ukuba alinde inyanga kunye neenyanga kwileta yokuvuma yokuthengisa emfutshane .
Indlela yokwenza iBhanki yaseMelika yokuBambisana ngokuThengiswa okufutshane
Unako ukuqesha i-arhente yendawo yokuhlala ukuba ufuna, kodwa akuyinyathelo elifunekayo ukuze uqinisekiswe ukuthengiswa okufutshane. Ndikuncede abathengisi bam bafumana ubungqina bokuvuma kodwa akusizo zonke iarhente ezithengiswayo ezifutshane zinikeza olu hlobo lwenkonzo kuba asihlawulwanga ukwenza. Nayi indlela endala inkqubo esebenzayo ngokucacileyo:
- Bhala unobumba obunzima .
- Thumela unobumba obunzima kwi-bhanki uze ubuze ibhanki ukuba yenze ukuthengiswa okufutshane okuBambisana.
- Ukulandelelana neBhanki yaseMelika nganye ngeveki ukuqinisekisa ukuba ukuthengiswa kwakho okufutshane okuSebenzisanayo kuqhutyelwa.
Ibhanki ingacela amanye amaxwebhu kodwa ingenako. Le nkqubo yahlengahlengiswa. Oku kuthetha ukuba ibhanki iya kuqhuba ingxelo yengxelo yemboleko. Ukuba umlinganiselo wakho we- FICO wawuphantsi kakhulu kwaye ingxelo yakho yekredithi iyingozi, iBhanki yaseMelika mhlawumbi ayiyi kubuza amaxwebhu axhasayo. Kuza kuvuma kuphela ukuthengiswa kwakho okufutshane. Le nkqubo ithathe naliphi na iintsuku ezingama-30 ukuya kwiinyanga ezintathu okanye njalo.
Ukuqala ngoMeyi ka-2012, inkqubo yatshintsha. Imithetho emitsha yavumela i-arhente yakho ye-real estate ukuba iqalise ukuthengiswa okufutshane kwi-Equator ngaphandle kwencwadi yobunzima.
Ukuba ufuna ukwenza ukuthengisa okufutshane , ibhanki yacela amaxwebhu axhasayo. Ibhanki ingacela kwakhona umrhumo womthengisi . Ngenxa ye- SB 458 , umnikelo awuvunyelwe kwimeko yaseCalifornia. Kodwa ubuhle boShishino oluShushisayo oluSisiseko lwaluvunyelwe ukuthengiswa kwaye umthengisi wamukelwa. Ukuthengiswa okufutshane kuBambiswano kuhlawulelwe umthengisi ukuya kwii-2 500 zamaRandi ukuya kwii-3,000 zamawaka ekuncediseni ukufuduswa, ukubonelela ngomthengisi. Phonsa i- initiative ye-HIN kulo, kwaye imali yayinokuphinda ihambe. Ndabathengisi abathile befumana i $ 20,000.
Emva kokuba umthengisi athole isibonelelo, iBhanki yaseMelika yayiya kuphendula kwisithembiso somthengi kwisithuba seentsuku zoshishino ezili-10. Andizange ndenze loo nto - yayisondele kwi-30 - kodwa leyo yayisithuba esihle sokuphendula, kwaye oko kwakwenzeka ukuba ezo fayile zazingekho iimboleko zepotfolio.
Umgca kwakungekho nto emangalisa.
Iimpawu ezithintekayo kwi-Bank of America Cooperative Short Sale
- Ixabiso elingafanelekanga.
Emva kokuba uMthengiso omfutshane wokuBambisana uvunyiwe, igosa lakho elifutshane lokuthengisa lalisetyenziselwa ikhaya kwaye lithengiswa ngexabiso lentengiso elifutshane elivunyiweyo. Ngethemba, eli lixabiso elithe Ukuba kwakungenjalo, wawuncitshisiwe. Kwakunomngcipheko wokuthatha inxaxheba kwinkqubo yokuThengiswa kweMfutshane yokuSebenza.
- Imisebenzi kwiLieu.
Qaphela ukuba ikhaya lakho alizange lithengise, inkqubo ivumelekile ukuba kwenziwe ngokuzenzekelayo -kwindawo-indawo yokuchithwa . Unokulahlekelwa yindlu yakho ukuba awukwazi ukuthengisa ngokuthengisa okufutshane. Kodwa abathengisi bakucinge ngale nto, ukuba uzimisele ukuyilahleka nantoni na, yintoni umehluko?
- I-Second Lender / MI Ukukhanyela.
Ukuba unemali- mboleko emibini kwintengiso emfutshane , uya kuhlala ufuna ukuvunyelwa kwekhredithi yesibini ukuba uthathe inxaxheba. Ukuba isalathisi sesibini sabe senza imali engakumbi ngokukhusela, umnini-mboleko angenalo ukuvuma ukuthengiswa okufutshane. Ngaphezu koko, ukuba umbolekiso unomshuwalense we-mortgage , inkampani yeM MI nayo yayidinga ukuvumela ukuthengiswa.
Ingaba iBhanki yaseMerika iya kuqwalasela ukuthengiswa okufutshane kwintsebenzo yonke le minyaka kamva kunokwenzeka ukuba ihlolwe ngokubhekiselele kwimeko-ngoku-imeko ngoku. Ukubethelwa ngokufanelekileyo kukubiza umnxweme uze ucele ukuba isicwangciso sisekhona. Kungenjalo.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.