Isinyathelo sokuQala kukuThola uhlobo oluthengisiweyo lokuthengisa
Ngaphambi kokushukumisa i-arhente yakho ukuba islayidi eso sihlomelo esithengiswayo esifutshane kwi-MLS, yinto efanelekileyo ukuyeka nokucinga malunga nesinyathelo sokuqala kwintengiso emfutshane. Abathengisi banokukhathazeka ngokugqithiseleyo. Kwaye akumangalisi. Abaninzi babo baye bazama ukungenzi ulungiso lwemboleko okanye benze olunye uhlobo lwezemali kunye nebhanki yabo, kwaye banxibe kwithambo, abaqhaqhaqhekile. Bafuna ukukhishwa kwintlungu yabo.
Ngenxa yobunzima kunye nokukhungatheka okubangelwa kwiimeko ezinamanzi angaphantsi kwamanzi , kunokuba nzima ukuba nomonde. Unokulingwa ukuba udumise ukuba isinyathelo sokuqala sentengiso esifutshane kwaye ugxume ngokukhawuleza ukwamkela izibonelelo. Kodwa mhlawumbi uza kwenza iphutha elikhulu.
Thatha Okokuqala Isinyathelo uze Uchonge Ukuthengiswa Kwakho Okufutshane
Imfihlelo yokubonisa ukuthengiswa kwakho okufutshane ifumaneka kwibhankini yakho kunye nohlobo lwemboleko egcinwe kwikhaya lakho. Into yokuqala yokuyenza ukubiza ibhanki yakho kwaye ubuze uhlobo luni lwe mboleko. Fumana ukuba i-mboleko yakho ibanjwe yibhankini okanye ukuba ingabanye ibhankini kunye neyakho yinkampani ekhonzayo kuphela.
Ngaba unayo imali engaphezu kweyodwa? Ngaba uya kubhekana nesigwebo sokusilela ? Unokufuna ukufumana iingcebiso zomthetho.
Ngokuxhomekeke kuhlobo lwakho lwemboleko kunye nemeko yakho, uya kukhetha uhlobo lwakho lokuthengiswa okufutshane.
Okokuqala nyathelo ukukhetha uhlobo oluthile lokuthengiswa okufutshane
Zonke iintengiso ezimfutshane zihlukile. Ukuba ukhetha ukuthengisa okufutshane okungahambi kakuhle, unokujamelana noxanduva lomntu, kwaye ungase ulahlekelwe yimali yokufuduka.
Nazi iindlela ezahlukeneyo zokuthengisa ezinokuthi ufanele ukuzenza, ngokusekelwe kwimeko yakho yemboleko kunye nemeko yakho. Ngokuqinisekileyo akufanele uqhube phambili ekuthengiseni okufutshane uze ugqibe le nyathelo lokuqala. Yiyiphi uhlobo lokuthengisa okufutshane oya kuyenza?
- HAFA Ukuthengiswa Okufutshane
I-HAFA ukuthengiswa okufutshane kwakunokufumaneka kuphela kubathengisi bendawo yokuhlala ababenenkathazo enzima yemali kunye nexabiso lemali ephantsi. Yenzelwe ukunciphisa inkqubo yokuthengisa emfutshane, ukukhupha abathengisi abavela kwiimbopheleleko kunye nokubonelela ngoncedo. I-HAFA yokuthengisa emfutshane ihlawule umthengisi ukuvuselela ukufuduka, ukubonelela ikhaya. Nangona kunjalo, i-HAFA ivenkile yokuthengisa ayisaphathwa.
- UFannie Mae HAFA Ukuthengiswa Okufutshane
Akukho zintengiso zeFennie Mae HAFA ezifutshane. UFannie Mae unenkqubo yakhe yokuthengiswa okufutshane okungafaki izikhokelo zeHAFA eziqhelekileyo. Hlola iwebhusayithi yeW Fannie Mae yokuthengisa okufutshane. UFannie Mae uvame ukuvumela inzuzo kumninikhaya ohlala kuloo propati.
- UFreddie Mac HAFA Intengiso emfutshane
UFreddie Mac uvame ukulindela ukuhlaselwa kwintlawulo yakho. Amanqaku amaninzi karhulumente axhaswayo axininisa ukuba uyeke ukwenza imali yakho yokuhlawula imali. Akukho kwakhona uFreddie Mac HAFA ukuthengisa okufutshane. UFreddie Mac uhlala evumela ukuba umninikhaya ohlala kuloo propati avuselele.
- Ukuthengiswa okufutshane kweFannie Mae
Andiyikuvalela ukuthengisa okufutshane kaFannie Mae apho umthengisi ekhoyo khona. Yonke into endiyenzile, uFannie Mae akayi kuqwalasela ukuthengiswa okufutshane kuze kube yilapho umthengisi evuma ukuyeka ukuhlawula imali . Ukufumana imvume yokwazisa kaFannie Mae yongeza inqwelwana eyongezelelweyo kwinkqubo yokuthengisa emfutshane kwaye iyakwandisa ixesha lokuba kuvunywe ngeeveki ezimbini ukuya kwiintsuku ezingama-30.
- UFreddie Mac Ukuthengiswa Okufutshane
Iibhanki zonke zilawula u-Freddie Mac ngokungafaniyo. Ngokuqhelekileyo, iibhanki ezisebenzela umboleko kaFreddie Mac zifuna ifomu le-4506 kunye ne-1126. I-4506 ivumela ikhophi yebhanki ikopi yeerhafu zakho zerhafu, kwaye i-1126 isitatimende sezimali. UFreddie Mac unokufuna ukubona ukuba imali yakho mboleko ibuyele kwimbuyiselo. Hayi, urhulumente. Urhulumente ufuna ukuba uyeke ukwenza iintlawulo zakho. Akunjalo? Hayi ncma.
- Ukuthengiswa Okufutshane Okumnyama
Kwintengiso emfutshane yendabuko, incwadi yakho yobunzima iya kuhlolisiswa. Uya kuba nelithuba elingcono lokuhamba kude ukuba iimali-mboleko zakho zaqala ukuthenga imali mboleko. Lezo zidibaniso ezimbini zenza ukuthengiswa okufutshane, okungafani nakakhulu, kungakhathaliseki ukuba kukho isilwanyana esinjalo.
- Ukuthengiswa okufutshane kweSicwangciso
Elinye iqumrhu elibonakalayo ngenxa yenkqubo yoqhagamshelwano olufutshane lweBhanki yaseMelika. Kwi- Bank Cooperative yaseMelika ukuthengiswa okufutshane , ibhanki iyaphakamisa intengo yokuthenga kunye nomthengisi, kwaye ixoxisana nomnikelo womthengisi kusengaphambili, ngaphambi kokuba ikhaya lakho liye kwiimarike. IBhanki yaseMelika iye yayeka kakhulu inkqubo yokubambisana kwaye ingaqwalasela ngokubhekiselele kwimeko ethile ngamatyala.
Inkolelo yokuba umthengisi kufuneka abhekane nobunzima bezemali ukwenza ukuthengiswa okufutshane. Nangona kunjalo, ukuba ungekho ubunzima, kunye kunye nomboleko wemali enzima , uya kuhlawula ngokugqithiseleyo kunokuba kungabikho ubunzima kubo bonke. Kufana nokuba neentlanzi ezimbini ezichasene nawe. Abathengisi baseCalifornia abavunyelwe ukuba banyanzelwe ukuba benze igalelo.
- Ukuthengiswa kweeNtsholongwane eziMfutshane
Ukuba i-mboleko yakho ine-inshurensi yokubolekwa, i-MI iya kwongeza enye ingqimba kwinkqubo. Inkampani yomshuwalense yokuthenga i-mortgage iyakufuneka ukuba ivume okanye inqabe ukuthengiswa okufutshane. Khumbula ukuba inkampani ye-inshurensi yokubolekisa imali iya kuhlawula nayiphi indlela - ukuvalwa okanye ukuthengiswa okufutshane- kwaye inokuhlawulwa ngaphezulu ukwenzela ukuchithwa. Ndiya kuthi iingxaki zi malunga ne-50/50. Naluphi na inhlanhla, i-MI yakho iya kuphuma shishini. Umngcipheko osisiseko kunye ne-MI unokufuna igalelo, nokuba ngumqulu wempendulo okanye imali ekuvunyelwene ngayo.
- Iimali ezimbini kwiSatter Short
Into efanelekileyo kakhulu yokuthetha ngemali-mboleko emibini kwintengiso emfutshane ubuncinane mhlawumbi akukho ninshuwalense yokubolekisa, kodwa ngamanye amaxesha umboleki wokuqala uqala umgaqo-nkqubo wayo. Ngokuxhomekeke kwimiqathango yemboleko yesibini, ke, umnini-mboleko unakho okanye angafuni ukusebenzisana. I- PSA yayo inokubonelela ngenkuthalo enkulu yemali yokukhungulwa kunokuba kuthengiswa okufutshane, kodwa ngamava am ndeko anqabile. Ngokuqhelekileyo, okwesibini uyabamba ngokukhawuleza i-$ 3,000 ukuya kwii-6,000 zama-6 000 okanye ngokunjalo kwaye ahambe.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.