Indlela yokwenza umrhumo omfutshane wokuthengisa

Iingcebiso eziphezulu ezi-10 zokunikezela ngokuthenga okufutshane

Ndineenyanga apho ndifumene ngaphezu kwee-100 ezithengisayo zithengiso kwi-Sacramento. Ndibanceda bam abathengisi banqume ukuba yeyiphi isipho sokukhetha. Ngoko xa ndimela umthengi omncinci wentengiso , ndiyazi kumava kwoluhlu lwahlukileyo ukuba uluhlu lwentengiso kunye nomthengisi liza kusichaza umnikelo. Oku mhlawumbi kutheni abathengi bam bathengisa ukuthengiswa okufutshane ukufumana imvume.

Amagcisa awaziyo ukwenza ukuthengiswa okufutshane kufutshane abhale ukubonelelwa kokuthengwa ngendlela engabonakaliyo ukuba abathengi babo balahlekelwe le ngxelo.

Ukulandela iindlela ezisebenzisayo ukuqinisekisa ukuwamkela.

Yenza umrhumo omfutshane wokuthengisa nge-Deposit Money Incarnation

Abaninzi abathengi basekhaya bexesha lokuqala bafaka idiphozithi yemali eyi-$ 1,000, kodwa imali phakathi kwe-1% ne-3% yentengo yokuthengisa ikhuluma ngokubanzi. Uthi umthengi unzulu. Inkokhelo encinci yokuhlawula i- FHA mboleko ngu-3.5% wexabiso lokuthenga, kwaye imali ethembekileyo iyinxalenye yaloo ntlawulo yokuhlawula.

Vumelana nokubeka idiphozi yakho kwiAkhawunti yeTrust

Ezinye iivumelwano ze-real estate zibiza ukuba i- deposit money deposit ibekwe kwi-akhawunti ye-trust ekuvunyelwene ngayo kwintengiso emfutshane . Abathengisi bathanda ukubona ukuba abathengi bakulungele ukubeka imali yabo emilonyeni yabo, kuba ibonisa ukuba abo bathengi bazibophelele ekuthengiseni.

Hlola ukuThenganiswa okuThengisiweyo

Ezinye iintengiso ezifutshane zithengwa ngamabomu phantsi kwexabiso lemarike ukutsala abathengi abanomdla, kodwa akuthethi ukuba ikhaya liya kuthengisa ngeli xabiso. Nangona kunjalo, iibhanki ezininzi ziya kuvuma ukuthengiswa okufutshane okuxabisa phakathi kwama-5% kunye no-10% phantsi kweemarike

Shayela uMmeli woLuhlu lokuThengisa okufutshane ngaphambi kokuba wenze umnikelo

Ukuba i-arhente sele ifumene inani lezithembiso, isibonelelo sakho sinokufuna ukuba sibe nexabiso eliphezulu kakhulu kunexabiso lohlu . Ukuba umthengisi sele esamkele isipho kwaye wathumela eso sipho kwibhanki, unokuthi uchithe ixesha lakho uzama ukuthenga loo ndlu.

Musa ukucela uMthengisi ukuba ahlawule iingxelo ezizodwa okanye Yenza ukulungiswa

Naluphina uhlolo olucelayo ukuba umthengisi ahlawule ngalo uya kunciphisa umgca wezantsi webhanki kwi- HUD-1 . Izibonelelo eziphantsi kakhulu azivumiyo. Ithuba lokuxoxisana nokulungiswa okukhulu akukho ekuqaleni. Musa ukucela ukuhlolwa kwezilwanyana ezihlawulelwe umthengisi, izatifikethi zokuphahla okanye izicwangciso zewaranti zasekhaya . Thenga indlu "njengokuba" imeko.

Nika iBhanki inani eliqikelelwayo lexesha lokuVunywa okufutshane

Nangona kunokwenzeka ukufumana imvume yokuthengisa emfutshane kwiveki ezi-3 ukuya kwii-4, iibhanki ezininzi zithatha ubuncinane iiveki ezi-6 ukuya kwei-8, kwaye ngamanye amaxesha zide, ukuvuma okanye ukwenqaba ukuthengisa okufutshane . Abathengi bam bayavuma ukulinda iintsuku ezili-120 kwaye balungele ukwenza ngokukhawuleza ukuba imvume iyafika ngaphambili. Ukuba ucela imvume kwiintsuku ezingama-30, isipho sakho siyakunqandwa.

Qinisekisa ukuba uMthengisi uya Kulinda ukuVunywa okuSifutshane

Ingxaki enkulu enkulu yokuthengiswa kweentengiso kunye nabathengisi babo ubuso ngabathengi abahambayo . Abanye abathengi babhala ukunikezwa kwiindawo ezininzi, benethemba lokuthatha isipho sokuqala esinamathela, ngokubhekiselele kumthetho ngaphandle kokuba umthengi angakwazi ukuthenga zonke ezo makhaya. I- arhente ye-intengiso engekho mfutshane ifuna ukusebenza kwintengiselwano yeenyanga eziliqela kuphela ukuba ifumanise umthengi isipho sakhe esamkelweyo siphumelele kwimvume yokuthengisa emfutshane.

Xa Wenza umnikelo omfutshane wokuthengisa, vumelanisa ukuhlawula umrhumo wokuthengisa

Enye iphutha abanye abathengi benzayo kukucela ukuba umthengisi akhokhe iintlawulo ezihlawulwa ngumthengi. Emva koko, akuyena umthengisi ohlawula loo mali ngokuthengisa okufutshane, ibhanki. Ukuba kukho iindleko ezithile zokuvala ukuba umthengisi uhlawule, ibhanki iya kuhlawulwa loo mali. Nangona kunjalo, ukuba uyavuma ukuhlawula inxalenye yale ntlawulo, nokuba ibhanki ithola isithembiso esifana neyakho, ukunikezelwa kwakho akuyi kubakho imali ebhankini.

Ukubonelela ngeeNcwadi eziPhakanyisiweyo

Incinci ibonakale phakathi kolwandle lwamagama okuqala ngaphambili kunobumba bokubakhombisa kwangaphambili , okucacisa ukuba umthengi empeleni uyaphikiswa - usebenze ngokubhala phantsi. Umbuzo omkhulu ngengqondo yomthengisi omncinci wentengiso nokuba ngaba umthengi unako ukufumana imali ngokuvala umthengi.

Xa wenza isishwankathelo esithengiswayo esifutshane, ufuna ukuba ezo ziqwenga zamaphepha zibonise amandla.

Nciphise iPeriod yakho yokuHlola

E-California, umzekelo, izivumelwano zokuthenga eziqhelekileyo zinika umthengi iintsuku ezingama-17 ukuba ahlole. Oko kuthetha ukuba ikhaya lisekho kwikarhwebo ngelixa umthengi akhuthele ngokufanelekileyo, kwaye ukuthengiswa akuthathwa njengesigxina kuze kube yilapho ixesha lexesha elikhutshiwe lisuswe. Ukuba unokwenza uhlolo lwakho lwasekhaya ngaphakathi kweentsuku ezili-10 ukuya kwe-14, ukunikezelwa kwakho kuya kubakho isikhalazo esikhulu.

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