Iingcebiso zokuxoxisana neCompter Counter ngeBhanki eFutshane yokuThengisa
Kutheni i-counter counter yokuthengiswa komthengi ingazange ibe nengqiqo?
Makungabikho mpazamo, i-counteroffer isoloko iqondakala kumcimbi okhupha i-counteroffer.
Kulo mzekelo, elo qela liza kubakho ibhanki yentengiso emfutshane. Ingaba i-arhente yokurhweba, abathengisi, i-ejenti yomthengi okanye abathengi bayayiqonda izizathu ezivela kwisibonelelo se-counter ayifanelekanga.
Nazi ezinye zezizathu zokuba i-counterffer ibonakale ihlekisayo:
- Ibhanki ayifuni ukuvuma ukuthengisa okufutshane. Ewe, kunokwenzeka ukuba ibhanki, nangona iluphi na isizathu, iqukumbele ukuba iya kuba yinto enomdla ebhanki ukuba iguqulwe . Mhlawumbi ibhanki ihlawulwa ngemali engaphezulu yokwenza kwangaphambili ngePSA yayo? Ukuba kunenzuzo kakhulu ukubeka ingqungquthela, ibhanki inokumelana neengongoma zexabiso elenza ukuba likhethe ukuthengiswa okufutshane. Ngayiphi indlela, ibhanki iya kuphumelela.
- Izikhokelo ze-zimali zingaqukatha ilungiselelo elichazela amalungiselelo okunikezelwa kwamanqaku. Ngokuqhelekileyo, isikhokelo sotyalo-mali asikwazi ukutshintshwa. Yinto enjalo. Umtyalo-mali uzakuyitshintsha, kwaye umtyalo-mali unokuba ngumthombo wabatyalomali abangenaso intshisekelo yokuguqula izivumelwano ezikhoyo.
- I-agent ye-BPO okanye umenzi we-appraiser wenza iphutha. I-agent ye-BPO ingacelwa ukuba yenze uqikelelo lwexabiso kwi-agent ye-BPO engazi kakuhle. Kwenzeka kakhulu. Ukuba i-agent ayiqhelekanga kummandla, i-arhente ayinakho ulwazi olwaneleyo ukulungiselela iBPO evumelekileyo. Ngokuqhelekileyo, iibhanki azihlawuli i-BPO emele imali eyaneleyo yokukhuthaza ama-agent angamaziko asekhaya ukuba avume eso sabelo.
Indlela ibhanki ikwenza ngayo i-counteroffer ngokuthengisa okufutshane
Amabhanki anqwenela ukubona isitatimende sokuhlaliswa esicatshulwayo okanye i- HUD-1 ukuze ikwazi ukugqiba ukuba ingaba iyayivuma yonke imirhumo okanye ikhuphe ezinye zee ntlawulo. I-counter offer mayingabi yinkcazo yexabiso lemali. Emva koko, ukuba ibhanki inokunciphisa ezinye iirhafu ezihlawuliswe kumthengisi, ibhanki inokwandisa umnatha wezantsi.
- Ukunikezelwa kwekharityhulam elifutshane lokuthengisa. Le khowudi yebhanki elifutshane lithengiswa ngephepha lokusebenzela kwiprogram yeprogram ye-intanethi efana ne-Equator okanye nge-imeyile ebhaliweyo kwi-arhente yohlu.
- Ukunikezelwa kwetafula okufutshane. Akukho mntu othanda ezi ntlobo zokunikezelwa kwee-counter ngoba azinamaphepha kwaye abathengi bakhetha ukubona ubungqina be-counter. Abathengi badla ukungathembeki kwaye banezizathu ezilungileyo. Kodwa iibhanki ezininzi zenza. Baya kubiza i-arhente yokurhweba okanye bathumele i-imeyli ecacisa imiqathango edinga ukutshintshwa.
Ukuthabatha iimfazwe zakho
Ngamanye amaxesha, umxoxisana webhanki uhlala ephosakeleyo. Amabhanki asebenza kumazwe amaninzi ahlukeneyo, kwaye ilizwe ngalinye linemithetho yalo. Okwenyaniso eNew York akukwenzeki ngokwenene eCalifornia, umzekelo. E-California, sinokuchazwa kwengozi yemvelo, leyo umthengisi kufuneka anikezele kumthengi.
Siye sabathengisana nabathengi banqwenela ukuvuma imali eyi-99 yemali yokudalulwa kwengozi yemvelo. Amanye amajenti aya kuhlawula loo ntlawulo ngokwabo ukuphepha ukuphazamiseka, kodwa kungekhona mna. Ndiza kubuyisa umxoxiswana phantsi kwaye ndivumele intlawulo. Ngenxa yokuba ngumgaqo, kungekhona imali.
Abanye abathengiselwano abayiqondi i-HUD. Ekubeni imigaqo ye-RESPA ihlaziywe ngo-2011, iifizi ezivela kwixabiso elithembekileyo lomthengi kufuneka livele njengekhredithi kwi-HUD evela kumthengisi, nangona i- credit ye- HUD yekhredithi ayilona ngetyala. Akuyilwanga ngetyala ngoba libonakala lifana nomdaniso kumthengi. Nguwo lo rhu lumente wethu, lula ukuchazwa kumthengi. Ziyilula lula i-bank executive can not understand it.
Kwakhona, ezinye iisithunywa ziza kuthetha kakuhle, siya kususa irhafu yerhafu, umzekelo. Kunoko, ukunyusa ukuthengiswa okufutshane okanye umfuno ukuba umphathi wesibini ukhangele.
Awufuni ukuba yingxenye yengxaki xa unokuba yinxalenye yesisombululo. Ungaphinde uthumele i-RESPA verbiage kwintetho-ntetho ngokuthembela ekukhanyeni. Akukho sizathu sokwenza umthengi ahlawule umrhumo omele uvunywe yibhanki elifutshane.
Ukuba ingxaki engezansi-mali yintengo kwi-countercel, kwaye uhambise i-CMA ehlaziyiweyo kwibhanki-kuquka uludwe lwezinto zokulungiswa, ukuba kukho na, kunye neendleko zokulungiswa kwazo - kwaye ibhanki ibenqaba ukuhla , kukho enye enye inokukhethwa kukho. Unokukhansela ukuthengiswa okufutshane , kwaye ibhanki iya kuvala ifayile. Emva koko, unokuyivula kwakhona ifayili kunye nomcebisi omtsha.