IBhanki yaseMerika iLungisa iNkqubo emfutshane yokuThengiswa
Amagunya angaphezu kwamaxesha amaninzi abika amabali ahlaselayo kumaphephandaba malunga nokuthengisa okufutshane kweBhanki yaseMelika. Ibhanki ilahlekelwe ngamaxwebhu, iifayile zivaliwe ngaphandle kwesizathu okanye zange zange zange ziphendule izicelo eziphindaphindiweyo zokuhlaziywa kweenyanga ekupheleni. Ezinye iifayile zikhutshwe iminyaka. Kodwa ezininzi zazitshintsha ekupheleni kuka-2009 xa iBhanki yaseMelika iphendukela kwi-Equator.com ukuze isebenze ukuthengisa kwayo emfutshane.
Emva kokuba i-Equator ingena, amaninzi amanxusa ayavuya ukuluhlu naluphi na ukuthengiswa kweBhanki yaseMelika ngenxa yokuba ixesha lokuvunywa liyi-30 ukuya kwii-60 iintsuku, ngokuqhelekileyo.
Iimpahla zentengiso ezifunekayo kwiBhanki yaseMelika Intengiso emfutshane
Ukubonelela ngemboleko ekhoyo ayikho i- FHA mboleko okanye i- mboleko ye-VA , kwaye umthengisi akafanelekanga kwinkqubo yokuthengisa emfutshane ye- HAFA , phakathi kwezinye izinto ezingabalulekanga, i- Bank of America ezithengisayo ezimfutshane zilula kakhulu. Nazi a maxwebhu ebhanki aya kuyimfuneko kumthengisi:
- I-Bank of America ipakethe yokuthengisa emfutshane (uRMA noDodd-Frank)
- Ingxelo zeBhanki
- Imbuyekezo yentela
- W2s
- Iikhokhsi zemivuzo
- Ugunyaziso lwesithathu
- Ileta yobunzima
Imisebenzi ye-Agent yeBhanki yaseMelika
I-arhente ibaluleke kakhulu kwinkqubo yokuthengisa emfutshane. Yonke inxibelelwano isebenza ngokubanzi phakathi kweBhanki yeMerika ngokusebenzisa i-Equator kunye ne-arhente yoluhlu olufutshane. Nantsi imisebenzi ye- ejenti yokurhweba:
- Bhala uluhlu olufutshane kwiMLS
- Mcebisa umthengisi kwaye uncede uxoxisane nomthengi okanye i-ejenti yomthengi
- Ukufanelekela umthengi ngokufumana incwadi ebhaliweyo
- Faka ukuthengiswa okufutshane kwisivumelwano
- Vula i-akhawunti kwi-Equator.com
- Ukunikezwa kokulayisha kunye namaxwebhu afana nesivumelwano sohlu kunye neHUD eqikelelweyo
- Imisebenzi epheleleyo ye Equator
- Hambisa i-HUD yokugqibela phambi kokuvala
Akukho Imali Yentengiso emfutshane yeBhanki yaseMelika
Umtyalomali ngamnye unokufumana izikhokelo ezahlukeneyo, kodwa inxalenye enkulu, iBhanki yaseMelika ngokujwayelekile ayihlawuli iimvume zokufumana ikhaya , izibonelelo ezigqithisileyo okanye ezedlulileyo ngenxa yemirhumo ye- HOA , kunye nokusebenza kwezilwanyana okanye ukulungiswa. Ngezantsi zikhokhelo zesiqhelo eziqhelekileyo zibalwa kwi-HUD:
- Imirhumo eyongezelelweyo yokuhlawula, izikhokelo zentengiso ngamnye
- Imali yesazisi
- Ulungiso lweDok
- Ukurekhoda
- Ikhurier
Imisebenzi yoMthengisi yeeBhanki zaseMelika ezithengisayo
Umthengisi usebenzisa iwebhusayithi ehlukileyo ukulayisha ulwazi. Lewebhsayithi yiNgingqi yaseBenki yaseMelika.
- Dala i-akhawunti
- Layisha amaxwebhu njengoko kucelwe
- Ukubonelela ngezizathu zobunzima
- Hambisa ulwazi lwezezimali
Inkqubo Yentengiso Yentengiso yeBhanki yeMelika
IBhanki yaseMerika iya kuqokelela yonke inkcazelo efunekayo kwi-arhente yohlu kunye nomthengisi. Iza kubela intetho kunye nokugqiba inkqubo ngale ndlela:
- Qhagamshelana negosa ukugqiba i- BPO .
- Ukuphonononga amaxwebhu kwaye ucele iingcaciso ezingekhoyo
- Inombolo yangaphakathi yokunika imali
- Ukukhupha isibonelelo sokuphendula
- Thumela ifayile kwi-MI kunye / okanye umtyalomali
- Mkele, ulandele okanye unqabe ukuthengiswa okufutshane
- Yazisa i-arhente yesiphumo
Ukuba uqala uxoxiswano lweBhanki yaseMelika ukuthengiswa okufutshane kwaye ufumanise ibhanki ithengise imali mboleko komnye umtyalo-mali, mhlawumbi kufuneka uqalise kwakhona inkqubo kunye nekhredithi entsha.