Ukujonga kwi-Faith Faith Estimates, Izilinganiso zokubolekisa, kunye neMilinganiselo yokuvala iindleko
Yiyiphi Inkolelo Yokuthembeka?
Xa kuziwa ekufumaneni i-mortgage, kukho iindleko ezininzi ezixhamene nomboleko ngaphezu kokuhlawula kunye nentlawulo yenyanga. Ngoko, "lukhulu kangakanani le mboleko?" ucele ngokufanelekileyo. Yilapho i- Good Faith Estimate (GFE) ingena khona. I-GFE iyinkolelo yokuhlawula okanye yokuvala iindleko eziluhlu lweendleko ezongezelelweyo oza kulindeleka ukuba uzihlawule ekuvaleni kwakho. Njengomphumo we-Real Estate Settlement Procedures Act (RESPA), ukubonelela i-GFE kwisithuba seentsuku zeshishini zintathu yesicelo somboleko senziwa ngokusemthethweni, ikakhulukazi kumgudu wokuqinisekisa ukukhanya kwenkqubo yokuboleka imali. Uluhlu lwamaphepha amathathu luhlu lwazo zonke iirhafu kunye neendleko ezihambelana nomboleko wesikolo kwishishini yomshuwalense, irhafu, ukuhlolwa kwekhaya, phakathi kwabanye. Kodwa njengoko igama lithetha, kuqikelelwe loo mali.
Ukwahlukana phakathi kobuNkolelo obuhle kunye neyona Imali yokuvala
Nangona uqikelelo olulungileyo lwenkolo lubhekiselele ekuboneleleni ngokucacileyo kwaye unike umthengi wekhaya uqikelelo lwemali eyongezelelweyo abaya kuyidinga ekuvaleni, i-GFE yileyo, uqikelelo.
Ngelishwa, kukho ukungafani okukhulu phakathi kwe-GFE kunye nantoni na ekugqibeleni ukuhlawula ekuvaleni. Ekubeni abaninzi abanokubuyiselwa ekhaya bathengisa i- best mortgage offer , iGFE inikezela esinye isizathu sokuthelekisa kunye nezinye izinto ezibalulekileyo eziboleke imali njengenqanaba lomdla kunye nentlawulo yenyanga.
Kodwa abanye ababolekisi abangenangqiqo ibhola elincinci ngokukhawuleza ukuba bafumane imboleko yakho, bazi ukuba ngeli xesha ubona ixabiso langempela (eliqhelekileyo ngemini ngaphambi kokuvalwa), uya kuba unzulu kakhulu kwinkqubo oye wawina ngayo Ukukhupha nokukhangela omnye umboleki. Ngenxa yezinye zezinto, nangona kunjalo, uxwebhu olutsha olulula olubizwa ngokuba yi-Loan Estimate lithathe indawo ye-GFE kunye ne-Truth-in-Lending okanye i-TILA isitatimenti ngo-Oktobha 2015
Ukulinganiswa kwemali kunye noko kuqukwayo
I-Estimance Estimation nguxwebhu olutsha olugunyazisiweyo oluye lwafaka endaweni ye-GFE neTILA. I-Estimance Estimate is a documentary simplified, edibeneyo ejolise ekunciphiseni ukudideka komboleki ngokubonelela zonke iindleko eziqikelelweyo kunye nokugqithiselwa kwembopheleleko yomboleki kwindawo enye. I-Estimate Loan Estimate nayo ikwafuneka ukuba kwenziwe lula ukuthenga ngemali mboleko, kwaye, ngokwenene, ukukhusela iindleko ezixabisekileyo kumcebisi-ekhaya ekuvaleni.
I-Loan Estimate inikezela umfaki-sicelo wesithwathwa ngesishwankathelo seenkcukacha zemboleko yemali mboleko kuquka, kodwa engaphelelanga:
- Imali-mboleko yemali njengemali mboleko, inzala, inqununu yenyanga kunye nentlawulo yenzalo, kunye nesohlwayo sokuhlawulwa kwangaphambili, ukuba siyasebenza
- Izibalo zokuhlawula zenyanga
- Iirhafu ezilinganisiweyo, i-inshorensi kunye novavanyo
- Ukuqingqwa kweendleko zokuvala eziquka ukulinganiswa kwemali efunekayo ukuvala
- Ukuzaliswa ngokupheleleyo kweendleko kunye nemirhumo
- Amanani okuthelekisa njengemilinganiselo yepesenti yonyaka (APR) kunye nepesenteji zenzalo (TIP) zenzelwe ukubonelela ngokucacileyo isiseko sokuthelekiswa nezinye izibonelelo zemali mboleko.
Ngoxa amanye amanani anikezelweyo aqikelelwa, akukho mthethweni kubaboleki ukunyanzelisa ngamabhaso iirhafu kunye neendleko ezichazwe kwiNgxowa-mali yakho. Ukongezelela, ngelixa ezinye iindleko zingatshintsha ukusuka kwiNgxowa-mali yokuVala ukuvala phantsi kweemeko ezithile ezichaziweyo, kukho iindleko ezingenakunyuswa. Ezi ndleko zichazwe kwiNgxowa-mali.
Eyona Nani Iintlawulo zokuvala
Ngokuqhelekileyo, iindleko zokuvala zihamba phakathi kwe-3% kunye ne-5% yemali yakho yonke yemali mboleko, ngoko ke ukuba uboleka i-$ 100,000 ungalindela ukuvala iindleko kwindawo ethile phakathi kwe-$ 3,000 kunye ne-5,000.
Ukuba uboleka u-$ 200,000 ungalindela iindleko zokuvala eziyi-6,000 ukuya kwii-10,000 zamawaka.
Iirhafu zepropati ezibekwe kwiakhawunti ye-escrow yenye yeendleko ezinkulu ekuvaleni. Isixa sithembele kwixabiso lentengo oyithengayo kunye nereyithi yentlawulo edolophini okanye kwindawo apho kuhlala khona indlu.
Into ehlakaniphile ukuyenza kukuba ufumane i-Estimate Estimates ezivela kubini okanye abathathu ababolekisayo kwaye uqhathanise iinkcukacha zemboleko kunye nazo zonke iindleko. Uya kuthi ulungele ukucela umboleki-mali okhethayo ukuhlangabezana nemigangatho yokunikezela engcono. Ngokwenza njalo, uyazikhusela ekubeni uthathe inzuzo xa uvala nokuvala ukulungelelaniswa.