Indlela Ukuthengiswa Okufutshane Kukuphathwa njani ukususela ekuqaleni ukuya ekugqibeleni
Inkqubo yokuthengisa mfutshane isisetyenzisiweyo kubantu abaninzi, nangemva kwayo yonke le minyaka, ngoko akukho nzathu ye-alarm xa ungazi kakuhle indlela inkqubo yokuthengisa emfutshane isebenza ngayo. Uninzi lweejenti zomthengi ludidekile; abathengi abadidekileyo bafuna isikhokelo, kwaye akuzona zonke i- arhente yokuthengisa ezithengayo ezifutshane ezenza ukuthengiswa okufutshane . Unokuba nethemba lokuba abantu abasebhishini bezindlu zentengiso bangafunda into okanye ezimbini malunga nenkqubo yokuthengisa emfutshane, kodwa ngokudabukisayo, ukuthengisa okufutshane akuyiyo indebe yomntu wonke.
Iisiseko zoThengiselo olufutshane
Amabhanki anikezela ukuthengisa okufutshane ngezizathu ezi-2 ezisisiseko: umthengisi unenkathazo, kwaye akukho nto ilinganayo ekhaya ukuhlawula umboleko emva kokuhlawula iindleko zokuthengisa.
Imizekelo embalwa yobunzima:
- Ukungasebenzi / imali encinciweyo
- Uqhawulo
- Uxinzelelo lwempilo
- Ukugqitywa kweJob ngaphandle kwedolophu
- Ukuchithwa
- Ukufa
Umthengisi uya kufuneka alungiselele iphakheji yemali yokuthumela kwibhanki elifutshane. Ibhanki ngalinye linezikhokelo zalo kodwa-ngaphandle kweWachovia, eyona nto iyithengisa elifutshane kakhulu kwihlabathi-inkqubo eyintloko ifana neebhanki kwi-bhanki. Iphakheji elithengiswayo lokuthengisa elifutshane liza kubandakanya:
- Ileta yokugunyazwa, evumela i-arhente yakho ukuthetha kwi-bhanki.
- Isitatimende sokuvala sokuqala
- Ingxelo yemali epheleleyo okanye i-RMA
- Ileta yobunzima bomthengisi
- Iminyaka emi-2 yentlawulo yeerhafu
- 2 iminyaka ye-W-2s
- Iintsuku ezingama-30 zee-stubs payroll
- Iinyanga ezi-2 zokugqibela zeengxelo zebhanki
- Uhlalutyo lweemarike ngokuthelekisana okanye uludwe lweentengiso ezithengiswayo ngokutsha
Ukubhalwa kweSatifikethi esifutshane sokuThengisa nokuThengisa kwiBhanki
Ngaphambi kokuba umthengi abhale ukuthengiswa okufutshane , umthengi kufuneka abuze i-arhente yakhe kwoluhlu lokuthengisa okuthelekiswayo . Amabhanki awayekho kwishishini lokukhulula iimbopheleleko zokubolekwa kwemali kwi-rock-bottom price. Ibhanki iya kufuna ukufumana ixabiso elithile kwimarike.
Ixabiso lentengiso elincinci lingaba nelithintelo kwixabiso lemarike kwaye, ngokwenene, lithengiswe ngexabiso eliphantsi kweentengiso ezifananisiweyo ukukhuthaza izibonelelo ezininzi .
Ezinye iimveliso ezimfutshane zingaqala phambi kokunikezelwa, kodwa ngokuqhelekileyo ibhanki iya kuqala inkqubo emva kokufumana isipho sokuthenga esamkelweyo. Emva kokuba umthengisi avume i-offer, i-arhente yezohlomelo izakuthumela izinto ezilandelayo kwibhanki:
- Isivumelwano soluhlu
- Ukunikezwa kokuthengwa kokuthenga
- Ileta yokuqala yokuthengiswa komthengi , ikopi yemali yengqiqo kunye neengxelo zemali
- Iphakheji elifutshane lokuthengiswa kweentengiso
Ukuba iphakheji ayiphelelanga, inkqubo yokuthengisa emfutshane iya kubalwa. Kulo mcimbi, ibhanki inokuthi idibanise iphakheji. Abanye abasebenzi basebhanki babonisa umonde omncinci kwimida yephutha.
Inkqubo Yentengiso Efutshane kwiBhanki
Abathengi banokulinda ixesha elide kakhulu ukufumana impendulo ebhankini. Kunyanzelekile ukuba i-arhente yokurhafelwa rhoqo iqhagamshelane nebhanki kwaye igcine iinkcukacha ezinonophelo kwinkqubo yokuthengisa emfutshane. Abathengi banokukhathala kakhulu ngokulinda imvume yokuthengisa emfutshane ukuba banokuziva besidingo sokusongela ukuba bangawufumani impendulo ngexesha elithile.
Olu hlobo lwesimo sengqondo luloyisa kwaye aluyi kukhawulezisa inkqubo yokuthengisa emfutshane. Ukuba abathengi bahlobo olunomonde omncinci, mhlawumbi ukuthengiswa okufutshane akuyona inketho engcono kubo.
Ngaphezulu, i-ejenti yomthengi ayivunyelwe ukuthetha nomboleki ngaphandle kokugunyazwa ngoko ungaceli i-ejenti yakho ukuba ibize i-bhanki. Awuyi kusebenza.
Ukulandela yinkqubo eqingqiweyo yokuthengiswa kwebhanki:
- Ibhanki iyavuma ukufumana ifayile. Oku kungathatha iintsuku ezili-10 ukuya kwinyanga.
- Umthengisi unikwe. Oku kungathatha ii-2 okanye ezintathu ukuya kwiintsuku ezingama-30.
- I- BPO iyalwe. Ibhanki mhlawumbi iya kunqaba ukwabelana ngeziphumo ze-BPO.
- Ingxoxo yesibini ingabelwa. Oku kungathatha ezinye iintsuku ezingama-30.
- Ifayile ithunyelwe ukuhlaziywa kusekelwe kwi- PSA . Oku kungathabatha iiveki ezimbini ukuya kwiintsuku ezingama-30.
- Ibhanki ingacela ukuba onke amaqela asayine i - Afidavithi ende .
- Ibhanki ibhala incwadi yokubhengezwa emfutshane .
- Umthengi unqande.
Ndaphonsa kuloo mgca wokugqibela kuba ngamanye amaxesha kuye kwafuneka ndithengise i-Sacramento yokuthengisa emfutshane imilinganiselo emi-3 okanye kane ngaphambi kokuba umthengi abambe intengiso.
Abathengi bacaphukile kwaye bacasulwa kuba inkqubo yokuthengisa emfutshane ingaba yinde kangangokuthi ngamanye amaxesha bayayicima ngaphandle kokuxelela umntu, ngaphantsi kwe-agent yabo. Ezinye iimveliso ezifutshane zifumana imvume kwiiveki ezi-2 ukuya kwezi-8. Abanye bangathatha iintsuku ezingama-90 ukuya kwi-120, ngokuqhelekileyo. Ubude beentengiso ezimfutshane ngokubanzi kuxhomekeke kumtyalomali, kungekhona ibhanki.
I-arhente yokuthengisa emfutshane kakhulu inokukunceda ukukhawuleza inkqubo yokuthengisa emfutshane ngokuhlala phezulu kwifayile kunye nokugcina ibhanki iphendule. Ukungena kwibhanki ubuncinane kanye kanye okanye kabini ngeveki kuyimfuneko. Ukuqaphela ukuziphatha kwabathengiselwano abangenakulungeleyo kwaye ukucela ukutshintshwa kudla ngokufanelekileyo. Ungaze uloyike ukwanda.
Dlulela iminwe yakho umxoxisana ufuna ukuba ifayile ibe ngaphezu kwakho. Ngokuqhelekileyo ukuthumela amaphakheji apheleleyo kwangaphambili kunokunceda ukukhawulezisa inkqubo, kwakhona.
Iphulo: Ixesha elininzi, i-arhente yohlulo iya kuba neengcamango ezithile xa kuvunywa ukuvunywa emva kokuba ifayile ithunyelwe ukuhlaziywa kokugqibela. Ngelo xesha, abathengi bafuna ukuqala inkqubo yokuboleka imali ukuze baqale ikhanda xa ibhanki ivumela iiveki ezimbini ukuvala.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.