Ukulinda ukuVala kwikhaya
Oko kuthetha ukuba umboleki-mboleko udlala indima ebalulekileyo engenakukujongelwa.
Umthengi kunye nomthengisi angavuma ukuba umhla wokuvalwa wokugqibela kwisivumelwano sithengi , kodwa ukuba umboleki akakwazi ukwenza ngeli xesha le window, akukhathazeki ukuba yeyiphi umhla okhethiweyo, kuba akayi kuvalwa ngomhla umthengi kunye nomthengisi uchaze. Kuya kuvala xa umboleki-mali ekulungele ukuvala. Ukuqhubela phambili, akusiyo yonke iindleko zobuncwane.
Inkqubo yokuvala i-Escrow
Ngokuxhomekeke apho uhlala khona, nawaphi na inani lamalungu angakwazi ukulawula inkqubo yokuvala. Makhe sixoxe ngambalwa. I-arhente yokuvala ingaba igosa lokuhlawula, i- close close , ityitile okanye ummeli we- real estate .
Iinkqubo zokuvala ziyahluka ngokubanzi nakwilizwe elifanayo. E-California, umzekelo, inkqubo yohlengahlukileyo iyahluke kwiNyakatho yeKalifornia ngokumelene nezantsi kweCalifornia. Ukwahlula okuphambili phakathi kwezi zibini ziyalwa kwaye zityinwe kumgca ongaphambili (kungekudala emva kokunikezelwa kwamkelwa) eningizimu yeKal nasemva kokugqibela (ngaphambi nje kokuvala) ngasentla kweCal.
Ngaphambi kokuba nayiphi na isango singavalwa, nangona kunjalo, yonke imimiselo yesivumelwano sokuthenga kufuneka ihlangane; ngoko umthengisi ubeka idilesi kwaye umthengi ubeka imali. Nazi iisampuli zeemeko ezifunekayo eCalifornia. Inkqubo yakho yokuvala urhulumente ingahluka.
- Isivumelwano sokuthengwa ngokupheleleyo kunye nezongezelelweyo.
- Idipozithi yemali edibeneyo .
- Ukuhlola ekhaya okanye ukuyeka.
- Ukuzaliseka kwembopheleleko yomthengisi njengokungeniswa kwengxelo yokuhlola inkathazo kunye / okanye ukugqitywa, isitifiketi sephahla , iwaranti yesikolo , umgaqo-nkqubo wokuqala, i-receipt yexabiso lokufumana, ukulungiswa, ukuba kukho nayiphi na, ngokweSicelo sokuPhucula .
- Ukugqitywa komthengi ukuhlolwa, kuquka ukukhululwa kwemida, ukuba ifunwa.
- Ukuhamba kokugqibela komthengi-ngokuhlola okanye ukuyeka.
- Ukuvavanya kwipropati ngumgcini weekhredithi.
- Ukuvunyelwa kwembolekiso yeeLender kunye nokwaneliseka kweemeko zembolekiso ngumthengi ezifana nokufaka ubungqina bomgaqo-nkqubo we-inshorensi yomnini .
- Imiyalelo yokumisela isithengi.
- Isityikityhi esayinwe kunye nesaziso esibhengeziweyo.
- Isayinwe yomthengi kunye nesaziso esingabhalwanga sithemba kunye nencwadana yokuqinisekisa .
- Iisayinithi zomthengi kuwo wonke amaxwebhu omboleko.
- Idipozithi yemali yomthengi evela kumboleki.
- Idipozo yokulinganisela kwentlawulo yomthengi kunye neendleko zokuvala umthengi .
Kuvalwa ixesha elingakanani ikhaya lokuvala?
Abathengi abafumene imboleko yokuxhaswa ngokumalunga ne-loan pre-qualification bahlala besesimweni sokuvala ngokukhawuleza. Inkqubo yokupropathi ibandakanya ukuqinisekiswa kwezinto ezithile ngaphambili, ngaphambi kokusayina isivumelwano somthengi, ukuhambisa umbolekiyo amanyathelo ambalwa ekufutshane nokuvalwa.
Ukuba umboleki-mali uqinisekise ubungqina bomboleki, iibhanki zebhanki kunye neengxelo zemboleko , ukuvalwa kungenziwa ngokukhawuleza njengabangaphantsi kweencwadi bangakwazi ukucwangcisa iphepha kunye nokuphonononga uvavanyo, ngokubanzi ngeveki okanye ezimbini. Nangona kunjalo, ukuba uxwebhu alukho kwifayile efana nengxelo yesigqibo sokuqala okanye imeko yomthengisi wokuthengisa, ukuvalwa kungabambezeleka.
Imali-mboleko eninzi ehlobene nemibutho yemali ingaphinda zingapheli iintsuku ezingama-30. Iiprogram ezizodwa zokuthenga umthengi ekhaya , ngokukodwa ezo zibandakanya uncedo kumthengi wokuhlawula , zingathatha iintsuku ezingama-35 ukuya kwi-45 ukuba zivale. Ezi mboleko ezikhethekileyo zifuna ukuvunyelwa kwiinkqubo ezimbini zokubhala phantsi.
Ngakolunye uhlangothi, ukuthobela izikhokelo ze- TRID ngamanye amaxesha kunganciphisa inkqubo kuba amaqela abasebenzisanayo akanalo ubudlelwane obudala.
Ukuvalwa kweMali
Iingxaki ezinkulu zidla ngokuphindwa emva kokuba ifayile ifakwe kumgcini-phantsi. Amagosa ebolekisiweyo ngokuqhelekileyo ayaziqhelanisa nezikhokelo zokubhala phantsi; Nangona kunjalo, abakwazi ukuhlala besichazela impendulo yomgcini-phantsi. Umntu ngamnye obhalwe phantsi uhlukile.
Kancinci kubathengi kunokuba behleli phezulu kweebhokisi eziqulethe zonke izinto ezixabisekileyo zabo, zilinde abaxhasi kwaye bengazi ukuba mboleko yabo iya kuvunywa ngumgcini-phantsi. Imihla embalwa yokugqibela yokuvalwa ingaxinwa.
Ababolekisi bamaziko kubonakala bebangela ukulibaziseka okungaphezulu kunabathengi bemali. Andiqinisekanga ukuba ngaba iibhanki ezinkulu zilandela iinkqubo zazo okanye ukuba abasebenzi bazo bawuthabathe iwashi kwaye abakhathalele ngokwenene iifayile ezinjengeenkampani ezithintekayo, kodwa ezininzi zokulibaziseka kwam escrows zivela kwiibhanki ezinkulu.
Nazi iingxaki eziqhelekileyo ezinokulibazisa okanye zokuthintela ukuvala, ezininzi zazo, ezibuhlungu ukuba ndithi, zifanele ziqwalaselwe ngaphambi kokuba zingeniswe kumgcini-phantsi, kodwa ngamanye amaxesha ibhola ibhidlika:
- Uvavanyo oluphantsi okanye umgcini we-underwriter uyalela ukuhlolwa kokuhlola okungahambisani nokuhlolwa kokuqala.
- Ingxowa eyongezelelweyo ifunyenwe kwingxelo yerhwebo ehlaziyiweyo yomthengi.
- Iingcamango zichazwe kwingxelo yengxelo yomthengi.
- Amatsha amatyala okanye izigwebo ezifakwe kumthengi okanye kumthengisi kwisibuyekezo sesihloko.
- Amafu kwisihloko.
- Inguqu yomtshato ishintsho kumthengi okanye kumthengisi.
- Izitatimende zebhanki ezifunekayo okanye amaxwebhu emali.
- Ulwazi lomshuwalense alukhoyo.
- Ukubolekwa kwemboleko okanye ukuzinikela kwenkqubo.
- Utshintsho olukhulu kwiimali ekuqikelelweni kwemboleko.
Ukuba isivumelwano somthengi asiqukethe isibonelelo esenza ukuba kuvalwe ngokuvunywa kwemvume yemali, idiphozithi yemali yonyanzelo ingaba mngcipheko ukuba umboleko awuvunyelwanga kwaye umthengi akayi kuvali.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.