Indlela yokufanelekela ukuthengiswa okufutshane

Izidingo eziFutshane zokuThengisa iimfuno

Ukuthengisa okufutshane kukuthetha ibinzana elishushu, kodwa akusiyo yonke into ekuthengisayo. Abanye abathengisi abagqiba ukuba ikhaya labo abayikuthengisa ngexabiso abaye bacinga ukuba baqala ukuzibuza ukuba ngaba kufuneka benze ukuthengisa okufutshane . Ukuthengiswa okufutshane akusoloko kusombulula iingxaki, kodwa ngokuqinisekileyo kunokudala iingxaki. Ukuthengisa okufutshane kukusoloko "kukusindisa ubabalo" abanye abathengisi basekhaya bafuna ukukholelwa.

Yiyiphi Intengiso emfutshane?

Ukuthengiswa okufutshane kwenzeka ntoni xa umboleki-mali enqabile kwi-mortgage, oku kuthetha ukuba umboleki-mali uyamkela ngaphantsi kwexabiso elipheleleyo.

Ukuba imali yakho i-$ 100,000, kodwa ikhaya lakho lifanelekile, uthi, i-$ 90,000, u-R10 000 omfutshane, kungekubandakanyi iindleko zokuvala ukuthengiswa ezifana neefomishini zangaphandle , iifizi zokurekhoda okanye isihloko kunye neentlawulo zecala. Kungenzeka ukuba uthengiswe ngokufutshane ukuba ibhalansi yakho yokuthenga imali ihambelana nentengo yokuthengisa kuba kusekhona iindleko zokuvala eziza kuphosa ukuthengiswa kwintsimi "mfutshane".

Ngamanye amaxesha, ukuba ugweme ukuhamba ngeendleko zokuqhawula , umnini-mboleko uya kunqumla ukuthengiswa okufutshane ngokuvumela umthengi ukuba athenge ikhaya elingaphantsi kwe-balance balance mortgage ngelixa ikhaya lihlala kwisigaba sokuqala. Isigaba sokuqala sokuqhawula isinye sezigaba ezintathu zokuvalwa kwangaphambili .

Nazi izicwangciso zesampula zokuthengisa okufutshane:

• Umthengisi ubonisa isivumelwano sokubhala kunye ne- agent yezindlu eziphantsi kokuthengisa njengokuthengiswa okufutshane kunye ne-third party (ibhanki) imvume.
• I-arhente ithola umthengi owenza isibonelelo esekelwe kwixabiso lemarike, elisoloko liphantsi kwexabiso lemali.

• Umthengisi uyamkela intengiso yokuthengwa komthengi .
• Umboleki wentengiso uyamkela intengiso yomthengi .
• Ukuthengwa kuvaliwe xa umthengi ehambisa imali, umboleki-mali ukhulula i-lien, kwaye umdayisi uhambisa isenzo.

Ehlabathini lomhlaba, wonke umntu uphila ngokuvuya emva koko. Ngaphandle komthengisi. Kukho iziphumo.

Iimfanelo zokuthengisa okufutshane

Ngaphambi kokuba ukhuphuke ngokukhawuleza kwi-bandwagon emfutshane, qwalasela oku kulandelayo ukuba ubone ukuba ngaba unokufanelekela ukuthengisa okufutshane. Ukuba awukwazi ukuphendula ewe kuzo zonke iimfuno ezine, awuvumelekanga ukuthengisa okufutshane.

• Ixabiso leMakethe yaseKhaya liye lahla.

  Ukuthengisa okunzima okuthelekisayo kufuneka kuqinisekiswe ukuba ikhaya lixabisa ngaphantsi kwebhalansi engakhokhelwa ngenxa yomboleki. Eli bhanki elingabhatalwa lingabandakanya isohlwayo sokuhlawulwa kwangaphambili .

• I-Mortgage ingaphakathi okanye kufuphi ne-Default Status.

  Kwakusetyenziswe ukuba ababolekisi babengeke babone ukuthengiswa okufutshane ukuba iintlawulo zikhoyo, kodwa akusekho. Ukuqaphela ukuba ezinye izinto zifaka isandla kwi-default default, abaninzi abathengi banomdla wokukhupha iingxaki kwixesha elizayo. Akusoloko kuyimfuneko ukuba ungagqibekanga.

• Umthengisa uthe wawa ngamaxesha amanzima.

  Umthengisi makangenise ileta yobunzima obuchaza ukuba kutheni umthengisi akakwazi ukuhlawula umda ngenxa yokuthengiswa, kubandakanya ukuba kutheni umthengisi unako okanye uyayeka ukwenza iintlawulo zenyanga.

  Imizekelo embalwa engayibanga ubunzima kukuba:

  1. Izigqibo zokuthenga ezibi. Ukutshisa i-paycheck yakho kwi-home system system kunye nesandi esingqongileyo asifaneleki njengobunzima.
  2. Ndonwabanga nabamelwane. Nangona yonke indlu kwi-block yakho ibe yindlu yokukhupha ibhodlela, leyo ayiyi kufaneleka njengobunzima.
  3. Ukuthenga enye ikhaya. Umboleki-mali akanakukhathalela ukuba uthe wagqiba isigodlo akusasafanele wena okanye usapho lwakho kwaye, enyanisweni, ukuba uthenge enye ikhaya, awufaneleki ukufumana konke ukuthengiswa okufutshane.
  4. Ukukhulelwa. Ukwandisa ubungakanani bentsapho yakho okanye ukuqala intsapho ayithathwa njengobunzima.
  5. Ukunyuka kwindlu. Ukuba ugqiba ukuphuma ekhaya lakho, sisigqibo sokuphila kwaye asikho isizathu esihle sokushiya ikhaya lakho.
  Imizekelo yobunzima:
  1. Ukungasebenzi
  2. Uqhawulo
  3. Uxinzelelo lwezonyango / ukugula ngokungxamisekileyo
  4. Ukuchithwa
  5. Ukufa

• Umdayisi akanayo amafa

  Umboleki uyafuna ukufumana ikopi yembuyekezo yentela yomthengisi kunye / okanye ingxelo yezemali. Ukuba umboleki-mali ufumanisa impahla, umboleki-mali angeke anike ukuthengiswa okufutshane kuba umboleki uya kuziva ukuba umthengisi unokuhlawula umlinganiselo omfutshane. Abathengisi abaneempahla basenokuba banikezwa ukuthengiswa okufutshane kodwa kunokufuneka ukuba babuyisele i-shortfall.

  Ngokomzekelo, ukuba umthengisi unemali kwi- akhawunti yokulondoloza , unomnikazi wendawo yokuhlala, amasheya, iibhondi okanye i-akhawunti ze-IRA, umnini-mboleko uya kubeka ukuba umthengisi unempahla. Nangona kunjalo, umboleki-mali unokunciphisa inani elithengiswa ngumdayisi ukuba abuyisele.

  Uninzi lwamaziko amanzuzo evela ekuthengiseni okufutshane, kodwa akukho mthengisi onokuthengiswa okufutshane .

Imiphumo emfutshane yokuthengisa

Ukuthengisa okufutshane kukuxhomekeke kumthengi ukwenza isipho sokuthenga.

Ukuba awufumani umnikelo, awuyi kufaneleka ukuthengisa okufutshane. Ngoko nangona udibana nayo yonke enye imigaqo, kungenzeka ukuba akukho mntu uya kuthenga ukuthengiswa okufutshane . Kuxhomekeke kwakhona kumboleki owamkela isithembiso somthengi. Ukuba umboleki-mali uyalahla umnikelo , ukuthengiswa okufutshane kungeke kwenzeke.

• Iziphumo zerhafu

  Ukuba umboleki-mali uyavuma ukuthengiswa okufutshane, umboleki-mali angaba nelungelo lokukukhupha i-1099 ngenxa yokwahlukana okufutshane, ngenxa yobonelelo kwi-IRS ikhowudi malunga nokuxolelwa kwetyala. Amaninzi amaninzi akhululwa ekuxolelweni kwetyala, ngokwemithetho yoMthetho wokuXholwa kweMatyala yokuXholwa kweMatyala ka-2007.

  Umele uthethe kummeli we- real estate kunye nomthengisi weerhafu ukugqiba imirhumo yemveliso yentlawulo emfutshane , nokuba ngaba unokukwazi ukuhlawula irhafu ukuba ikhona.

• INgxelo yeMboleko yeMali

  Nangona ukuthengiswa okufutshane kungeke kuboniswe kwingxelo yakho yemali-mboleko, imeko ye mboleko iya. Kulabo abangenako, yinto ephambili yokukhusela ngaphambili, edlalwa njengeNgxowa- mali epheleleyo kwiNgqungquthela engavumelekanga . Ukuthengisa okufutshane kukuchaphazela ukulinganiswa kweekhredithi . Nangona umonakalo kwingxelo yakho yemali-mboleko ingabonakali njengento ebalulekileyo njengento yokugweba, ababolekisi abanako ukwenza ukwahlukana.

Xa uthethile konke oku, kukho rhoqo ukungafani nokuthengisa okufutshane. Kukho iintlobo zentengiso efutshane, kuxhomekeke kwizikhokelo zentengo, ezingenakho iziqinisekiso.

Njalo ufune isiluleko somthetho ngaphambi kokuba uzame ukulandela ukuthengiswa okufutshane. I-agent ye-real estate ayikwazi ukukunika iingcebiso zomthetho.

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