Iinqununu ezi-5 eziphambili malunga nokuthengiswa okufutshane
Ukuthengisa okufutshane kukufumana i-rap embi kwi-agents kwaye, ngokufanayo, abathengisi kunye nabathengi, ngenxa ye-plethora yeengcali kunye neengcamango ezingalunganga. Kwimbali ephakazelisayo ebonisa ukuthengisa okufutshane okufutshane, uya kufumana iindaba eziphumelelayo.
Nazi iinqununu ezi-5 eziphambili malunga nokuthengisa okufutshane:
Inkolelo encinane yokuthengiswa # 1: Iintengiso ezimfutshane Thabatha iinyanga ezili-12 ukuya kwezi-18 ukuVala
Ukukhawuleza ndikwazi ukuvala nayiphi na i-Sacramento iintengiso zangexesha elifutshane zisezinsukwini ezili-14. Kodwa ndimelele abathengi abaye bakwazi ukungena kwelinye isikhundla somthengi, emva kokuba lowo mthengi ehamba phambi kokuvunyelwa kweentengiso ezimfutshane , kwaye uvale kwiintsuku ezingama-28.
Nantsi ixesha elifanelekileyo lokuthengiswa kwexesha elifutshane xa umboleko ubanjwe yibhanki yentsebenziswano (kwaye ayikho imali mboleko yelizwe lonke):
- Iintsuku ezisixhenxe ukuya kwezi-10 ukuba umbolekisi avume ukufumana i-pack epheleleyo yokuthengiswa, equkethe amaxwebhu athengisa umntu kunye nezinto ezinxulumene ne-estate, kubandakanywa ukuthengisa okufutshane.
- Umthengisi unikwe. Iintsuku ezongezelelweyo ezingama-30 ukuya kwi-45 ze-BPO okanye uvavanyo.
- Eminye iiveki ezi-2 ukuya kwe-3 kubaphathi / ukuhlaziywa kotyalo-mali kunye nokuvunyelwa okufutshane.
Le nto yintengiso yonke emfutshane iyingqayizivele kwaye yonke isethi yabatyalomali abahlukeneyo.
Ibhanki ekhonzayo mboleko ingenakho ukuba ibole imali leyo, kwaye ngoko ibhanki kufuneka ilandele izikhokelo zomtyalomali. Ngokuqinisekileyo awukwazi ukukhomba umnwe kunoma iyiphi ibhanki yentengiso emfutshane kwaye uyibize ibhanki emfutshane yokuthengiswa kwebhanki kuba loo nto yayiya kuba yinto ekhohlakeleyo, njengokuba ungayithiya loo bhanki ethile ngexesha elithile.
Inkolelo yeThengiselo emfutshane # 2: Abathengi abafutshane abakufutshane bathengisa kakhulu
Kwimimandla ethile yamadolophu, uluhlu lwamagosa angabonakalisa ngamabomu ngentengiso emfutshane ngaphantsi kwexabiso lemarike. Yindlela yokuthengisa iifutshane ezisetyenzisiweyo zokuthengisa ukutsala izibonelelo ezininzi .
Emva kwakho konke, ixabiso elifakwe kwixabiso elincinci lithengiswa, kuba awuyi kuqonda ukuba ibhanki iya kwamkela phi ukunikezelwa. Kodwa iibhanki ezininzi ziya kuqwalasela intlawulo ubuncinane kwi-90% yexabiso lemarike. Ezinye iibhanki zilahla ukuthengisa okufutshane ngenxa yokuba ukunikezelwa akunangqiqo.
Inkolelo yeThengiselo emfutshane # 3: AmaBhanki atshwankathelo omfutshane akayi kuwamkela umvuzo ozukileyo
Abathengisi badla ngokumangalisa ukufumanisa ukuba kwiimarike apho amaxabiso awele ngaphezu kweminyaka emi-5 ubudala, ikhaya lingaba lixabise i-50% okanye ngaphantsi kwexabiso layo lokuqala xa umthengisi uthenge. Iibhanki ziqonda iimarike ezinciphisa.
Ngaphezu koko, iibhanki ziya kuqhuba uphando ngokweenzuzo kwaye zifike kwisigqibo esifanayo. Ixabiso lekhaya alixhomekeke kwisixa semali yokuboleka imali; isekelwe ukuthengiswa kwangoko kutshanje. Oku kuthetha ibhanki iya kwamkela ixabiso lemarike kuba ukuba ikhaya lihamba ngokugqithisa kwaye emva koko liye kwiimarike, lithengisa ngexabiso lemarike.
Inkolelo-mfutshane yoThengiso # 4: Abadayisi abancinci abathengiweyo mabafanele ukuba babe ngaPhambuka phambi kokuba iBhanki ivumeleke ukuthengiswa okufutshane
Amabhanki avumela ukuthengiswa okufutshane kusekelwe ubunzima bomthengisi kunye nexabiso lekhaya.
Abanye abathengisi bangalwela ukuhlawula imali yenyanga, kodwa abazange bawa emva kweentlawulo zabo.
Nangona kuyi nyaniso ukuba abathengisi abangagqibekanga bafumana ingqalelo ngokukhawuleza, umthengisi angakhokhela intlawulo yokubolekwa kwemali kwithuba nganye nyanga zonke kwaye uvumeleke ukuthengiswa okufutshane . Ingeniso eyongeziweyo yokuba ikhoyo ngoku kwi-mortgage ngumthengisi angakwazi ukufumana izikhokelo phantsi kolawulo lukaFannie Mae ukuba athenge enye indlu ngokukhawuleza.
Inkolelo yeThengiselo emfutshane # 5: AbaPhathi bahlawula iKhomishana engaphantsi
Ngeentsuku zokuqala ze-short boom sale, ngexesha leminyaka ka-2005 ukuya ku-2008, iibhanki zaziphatha kakubi ukuthengiswa kweentengiso, ngokukhawuleza ukunciphisa intengiso ye-ejenti kumanqatha.
Uninzi lweebhanki ngoku uhlawula ikhomishoni yendabuko kwiintengiso. Ngaphezulu, u-Fannie Mae wasungula umgaqo-mali wokuhlawula ngomhla kaFebruwari 24, 2009, ukuhlawula inani lekhomishini elivunyelweneyo phakathi kwe-arhente yokurhweba kunye nomthengisi, ukubonelela imali engadluli kwi-6%.
Esi sakhiwo sentlawulo sithatha i-HAFA yokuthengisa okufutshane.
Ngexesha lokubhala, u-Elizabeth Weintraub, uBRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.