Indlela yokufumana iBhanki emfutshane yokuThengisa ukuVeza iMali yokuHlala
Yintoni iHUD? Kutheni iibhanki zifuna i-HUD?
I-HUD-1 ingumqulu we-RESPA ochaza ngendlela efana ngayo yonke imirhumo kunye neengxowa-mali kwindawo yokuthengwa kwezindlu. I-HUD ngokwenene inzuzo yomthengi.
Akusiyo inzuzo yebhanki yokuthengiswa kwefutshane kwaye ayikho enye yebhanki yeshishini elithengiswayo elifutshane, ngaphandle kwemirhumo echithwe kwixabiso lokuthengisa. Ukuba kukho, i-HUD ibandakanya ibhanki lomthengi, kungekhona ibhanki lomthengisi.
Kodwa loo nto ayigcini ibhanki yentengiso emfutshane ngokuyibuza kwaye ifuna utshintsho ngexesha lokuvunywa kwayo. Ngenhlanhla, akuyiyo yonke ibhanki idinga imvume ye-HUD. Ngokomzekelo, abaninzi abanamanqaku amancinci abasavumeli ii-HUDs. Kungenxa yokuba abaninzi abanonophelo babanini banakekelwa kuphela malunga nenkokhelo ehlawulwa kubo.
Intengo yokuthengisa, ngubani ohlawula oko kunye nokuba ikhomishini ikhokhelwa kangakanani, abanikazi beekhondari bababini bahle kakhulu. Akunjalo ngendlela enye ngeenxa zonke. Unonophelo oluxhomekeke kumnini-mboleko uninzi kakhulu ukuba uhlawulelwa kangakanani kumnini-junior holder, kwaye uyalihlawula. Kukho iimeko apho ababolekisi besibili bazama ukufumana abathengisi ukuba benze ukukhwabanisa kwempahla . Kungenxa yokuba abathengi abesibini abasola ukuba ababolekisi bokuqala baya kulahla i-HUD ukuba umthengisi ubahlawule imali eninzi, ngoko batshela abathengisi ukuba baphule umthetho.
Ziziphi iibhanki ezihlola kwi-HUD ngokuthengisa okufutshane
Inombolo ecacileyo kwaye ibaluleke kakhulu kwi-HUD yintengo yokuthengisa. Ngamanye amaxesha ibhanki isenokuthi ifuna ukuhlawula inani elithile, kwaye loo mali enamanani ingaba ngaphezu kwenetha kwi-HUD. Kwizo ntlobo zeemeko, indlela efanelekileyo yokunceda ibhanki imali ethe xaxa kukucela umthengi ukuba akhulise intengo yokuthenga.
Ixabiso lokuthengwa iibhanki ezivumileyo azifaneki ngokukhawuleza ekusetyenzisweni kokuhlolwa ngokupheleleyo. Ngenxa yemali eninzi, ukucinga ukuba ibhanki ifuna ukuqesha umntu ozimeleyo ukuba ahlole ixabiso. Nangona kunjalo, ezininzi iibhanki zihlawulela i-arhente ye-real estate engenakwenzeka-kungekhona nokuba ingcali yendawo yokuhlala- ukunika ibhanki ithuba eliphantsi lokungcola lixabiso elibiza ngokuba yi- BPO . Bahlawula i-$ 50 ukuya kwi-100 ye-BPO. Lo ngumzekelo obalaseleyo wokuba uyisilumko esilumkileyo kwaye uhlabe ubuwula njengokuba umama wakho wayethetha.
Esi sizathu sokuba amanxeba amaninzi athengiswayo athengise intengiso emfutshane ngendlela efanayo ne-BPO i-arhente iya kubela ixabiso kuba afuni ukulwa nebhanki elifutshane. Akunandaba ukuba intengo yokuthengisa ixabiso lentengiso ngokukhawuleza ukuba ihambelana ne-BPO.
Ibhanki iya kuhlola ezinye iirhafu ezihlawulwe kumthengisi kwi-HUD. Unokuzibuza ukuba ngubani umthengisi wokuthengiswa okufutshane , kwaye lowo mntu ungumthengisi. Ibhanki iyayivuma kuphela iirhafu eziza kuhlawula umthengisi. Iindleko eziqhelekileyo kwiindleko zokuvala umthengisi zi:
- IKhomishoni kubaqeshi bezindlu / ii-ejenti
- Isihloko kunye neendleko zokuhlawula
- Imali yokudlulisa
- Ukurekhoda, i-notary, doc prep kunye neentlawulo zefowuni
- Iitampu zeDoksi
- Iintlawulo zepropati ezidlulayo
- Ukukhutshwa kwentela
- Iintlawulo ezithengiweyo kubanini bamaziko abancinci
- Iimali ze-HOA, ukuba zikhona
- Umthengi ngetyala lokuvala
Iintlobo zemirhumo yentengiso emfutshane ibhanki iyalahla kwi-HUD
Njalo rhoqo ibhanki iya kuvuma ukuhlawula ingxelo yenkathazo okanye iwaranti yesikolo kodwa kunqabile. Amabhanki aphantse ahlawule ukulungiswa kwintengiso emfutshane . Kuyinto engavamile kakhulu kwibhanki ukuhlawula iindleko ze-HOA okanye iifayile ze-UCC.
Ukuba ibhanki ayiyi kugunyazisa umrhumo othile, umzekelo, ithi ufuna ukunciphisa imali yokuhlawula ukusuka kwi-$ 1,500 ukuya kwii-500 zama-500, kwenzekani kwi-balance? Umntu kufuneka ahlawule loo mali. Ingaba ngumthengisi okanye nokuba ngumthengi. I-Escrow ingenza isigqibo sokunciphisa umrhumo wayo, kodwa akunakwenzeka.
Mhlawumbi ingxaki enkulu ebandakanyekayo kwintengiso emfutshane ye-HUD yinyaniso yokuba abathathi-ntetho abaninzi abazi ukubazifunda. Ayiqondi ukuba iikhredithi zathengisi kwi-HUD ayisoloko ikhredithi kumthengi.
Utshintsho kwi-RESPA lufuna ukuba nayiphi na imali ebonakaliswe kuqikelelo lokwenyaniso lomthengi kufuneka ibonise njengetyala kumthengi ukuba zihlawulwa ngumthengisi. Ziziphi iintetho ezingaboniyo ukuba zibonisa njengedithwala, ekhupha i-credit to the buyer. Zama ukuchazela ukuba enye kwi-8-ye-yunobhala yamabhalana.