Amanyathelo okuQala kwiSouth California Sale Sale
Ukuqalisa, kufuneka ucwangcise isicwangciso sakho uphendule imibuzo embalwa.
Kukho iintlobo ezahlukeneyo zokuthengisa ezifutshane . Akudingeki ukuba wazi zonke iintlobo zentengiso efutshane nje kuphela xa unokuphendula imibuzo elandelayo:
- Ngubani obolekisi bakho? Akukona kuphela umboleki wakho obalulekile, kuba uzimisele ukuba ukuthengisa kwakho okufutshane kukucutshungulwa, kodwa kufuneka ufumanise ukuba ngaba umboleki-mali okanye umtyalomali. Umtyalo-mali oza kuvuma ukuthengiswa kwakho okufutshane ngaphandle kokuba umboleki wakho unikwe igunya .
- Unayo ubunzima bezezimali? Ukuba kunjalo, kuya kufuneka ubhale unobumba obunzima . Ukuba awunayo ubunzima bezezimali, ke ungathemba ukuba umbolekisi wakho yiBhanki yaseMerika kwaye uya kulungelelanisa ukuThengisa okufutshane okanye iNkxaso ye-HIN. Abaninzi ababolekayo eCalifornia bafuna ukubona umthengisi angabhala ubunzima bezezimali. Ixesha eliqhelekileyo lenziwa ngoFannie Mae ukuba umthengisi ulahlekise inani elithile leentsuku, kunye nomlinganiselo ophantsi weFICO.
- Ingaba mboleko yakho mboleko? Imali mboleko kaRhulumente ibandakanya imali ebolekwa yi-entity-sponsored entity (GSE) njengeFannie Mae okanye uFreddie Mac. Imithetho iyahlukileyo kwimboleko ye-GSE. Ukuba imboleko yakho yi-FHA okanye i-VA, leentlobo zemboleko zithatha ixesha elide ukuba ziqhutywe kwaye zivunyiwe kwiinkqubo ezimbini.
- Ngaba ufanelekile ukuthengiswa okufutshane kweHAFA? Ezinye iintlobo ze-HAFA zokuthengisa ezincinane ezifana nezo ngeBhanki yaseMerika zinokuthatha ixesha elide kakhulu. Amaxesha athatyathwe nguRhulumente akalandelelwanga. NdineBhanki yaseMelika HAFA ivenkile yokuthengisa ithatha, ngokuqhelekileyo, ukusuka kwiinyanga ezi-6 ukuya kwiinyanga ezili-12 ukuqhuba. Inzuzo kuphela ku-HAFA ukuthengiswa okufutshane eCalifornia yi-$ 3,000 umdayisi uya kufumana ekuvalweni, kodwa umthengisi uya kufumana kuphela loo mali ukuba umthengisi uhlala kwipropati.
Ukuba ufuna ukwenza ukuthengiswa okufutshane kwe-HAFA, qaphela inkqubo eyahlukileyo ku-Fannie Mae HAFA ukuthengiswa okufutshane kunye noFreddie Mac HAFA ukuthengisa okufutshane malunga nokuthengiswa okufutshane, kuba, kwakhona, ezi zikarhulumente ezixhasiweyo. Akukho i-ARASS ye-Freddie Mac HAFA ukuthengiswa okufutshane, oku kuthetha ukuba kufuneka uqinisekiswe ngaphambi kokuhambisa isibonelelo.
Akukho na i-arhente inokusingatha ukuthengiswa okufutshane kwe-HAFA. Kufuneka usebenze kuphela kunye ne-HAFA i-arhente yokuthengisa emfutshane xa ugqiba ukulandela i-HAFA.
Fumana ukuKhululwa kweMfanelo kwiSitishi esifutshane saseCalifornia
Kukho iingxaki kunye nemiba emihle ekugqibeleni ngoJulayi 2011 weCalifornia SB 458 . Ngandlela-thile, izithintelo zenze abanye ababolekisi besibili banqabile ukuvuma ukuthengiswa okufutshane.
Nangona kunjalo, kwicala elongezelelweyo, umthetho uthintela ibhanki ukuba ifune ukuba umthengisi enze igalelo njengemeko yokuvunyelwa kweentengiso ezimfutshane.
I-SB 458 ilungisa i-California Code Code 580 ngokufaka umhlathi e. I-California Civil Code 580e ithi ibhanki kufuneka ikhulule umthengisi kwixanduva lomntu ukuba ibhanki ivume ukuthengiswa okufutshane. Akunandaba nokuba:
- Ikhasi yindawo yokuhlala okanye irente
- Imboleko iyimali enzima okanye imali yokuthenga
- Umboleko ngowokuqala, kwisibini okanye kwisithathu
Akukho nto eyahlukileyo. Naliphi na umboleki-mali ovumela ukuthengiswa okufutshane kwiiyunithi ezi-1 ukuya kwe-4 eCalifornia kufuneka akhululwe umthengisi ngokunyaniseka kwaye akanakuphishekela ukugwetywa . Ewe, imithetho ingatshintsha. Ngoko ke, kuqikelele ukufumana ileta yokuvuma yokuthengisa emfutshane equlethe i-verbiage ethile yokushiya ukulahleka okanye ukukhulula umthengisi.
Intlawulo kwi-California Short Short Sale
Ukuba umboleko uhlaziywa, abathengisi kufuneka bafumane iingcebiso zerhafu kwizakhono zerhafu ezifanelekileyo. Kungenxa yokuba ukulungiswa kwezinga kunye nekota kuthathwa ngokwahlukileyo kwiinjongo zerhafu kunokuhlaziywa okubakho ukuhlaziywa kwemali. Ukuba imali ekhululekile ngexesha lokuhlaziywa ingahlawuliswa, kuthe xa kuthengiswa ukufutshane, ngokwemiqathango ethile.
Umthetho wokuXholwa kweMali kaMatyala wokuThomba iMali ka-2007 ngumthetho wombuso. Ikhulula iindawo zokuhlala ezizimeleyo ukuya kwisixa esithile esiphezulu kwerhafu. Akuyena umthetho waseCalifornia. Kwiminyaka, umthetho welizwe waseCalifornia ulandelele umthetho wesigqeba. Ukuba umthetho waseCalifornia uya kuxolela umthengisi kwiirhafu zerhafu yomvuzo wokuxhamla iitaliti zemali yempesheni yempendulo yiphendule ngokugqithisiweyo ngumphathi werhafu. Kungenxa yokuba nokuba umthengisi akavumelekanga, kukho ezinye izizathu ezingasetyenziswa.
Ngaphezu koko, iibhokisi zokuthenga iimpahla ezikhutshwe ngo-2013 zithengisa abathengisi beeyunithi ezi-1 ukuya kwi-4 eCalifornia ukusuka kwerhafu kwinqanaba elisemagunyeni kunye nelizwe.
Ukuba ufuna umnqweno wezomthetho kunye nerhafu kwi-California encinane yokuthengisa, nceda uqhagamshelane nequmrhu elilayisenisiweyo kwaye ufanelekile ukukunika cebiso. Abameli bezindlu ezingenakukwazi ukubonelela ngeengcebiso zomthetho kunye neerhafu.