Ukuqonda ifomu ye-HUD-1 kunye nexesha elisetyenzisiweyo
Imirhumo ehambelana nokuthengiswa kodwa iyahlawulwa ngaphambi kokuvala nayo ifakwe kwi-HUD. Ngokuqhelekileyo ziphawulwe "IPOC," kwi-Payment Outside of Closing.
Nantsi inguqulelo ye-HUD-1 enokushicilela yokushicilela kwaye ungasebenzisa ukulandela itekisi.
I-HUD-1 yayisetyenziswa nini?
Imimiselo yoMthetho weNdawo yokuHlaliswa kweeNdawo zangaphandle (i-RESPA) idinga ukuba ifomu le-HUD-1 lisetyenziswe njengefom ye-real estate settlement kuyo yonke intsebenziswano e-United States ebandakanya ukubolekwa kwemali mboleko ehlobene nemibutho. Lapho ndisebenza khona, yayisetyenziselwa phantse zonke iintengiso ezibandakanya umthengi kunye nomthengisi, kuquka ukuvalwa kwemali . Ukuba ufake isicelo sokuthenga ngemali okanye ngaphambi ko-Oktobha 3, 2015, kufuneka ufumene ingxelo ye-HUD-1. Ukususela ngo-Oktobha 2015, ababolekisi baqala ukufumana ifomu ebizwa ngokuba yiCiving Disclosure endaweni ye-HUD-1 kwiintlobo ezininzi zeemali mboleko zemali mboleko njengempendulo kwi-TILA RESPA edibeneyo Ukunikezelwa okanye ngokukodwa kwe- TRID , eyadlulisa indlela yokubanjiswa kwemali yokubanjiswa kwenziwayo .
Uphi i-HUD-1 ekhoyo namhlanje?
Isitatimende sokuhlaliswa kwe-HUD-1 sisasetyenzisiweyo, nangona kunjalo, ukuhlawulwa kwemali . Ezi ntlobo zemali zithandwa kakhulu ngabathengisi abangaphezu kweminyaka engama-62 abafuna ukukhupha ubulungisa. Kwakhona, ngexesha le-3 ukuya kwe-10 leminyaka emva kokuthengiswa okufutshane ngaphambi ko-2015, ababolekisi bavame ukucela ikopi ye-HUD-1 endala ukubonisa ubungqina bokuvalwa komhlaba.
Ngabe iHUD-1 ikwabiwa nini?
Ngaphambi kwe-Oktobha 3, 2015, i-RESPA yathi ababoleki kufuneka banikwe ikopi ye-HUD-1 ubuncinane ngosuku olulodwa ngaphambi kokuhlaliswa. Ubomi bobubomi, ukungena kubonakala kulula ukuza kwiiyure ezimbalwa ngaphambi kokuvalwa. Uninzi lwabathengi kunye nabathengisi bafunda le ngxelo ngokwabo, kunye ne-agent yabo yezindlu, kunye ne-agent agent. Le ngcamango kukuba abantu abaninzi abayihlolisayo, kungenzeka ukuba iziphene ziya kubonwa.
Xa kuziwa kokubili i-HUD-1 kunye nokuValulwa kokuVala, ungacingi ukuba i-arhente yokuvala ihlala ichanekile. I mpazamo zenzeke. Ndiye ngaphaya kwesinye kuvalwa apho kukho impazamo kwimzuzu yokugqibela. Buza imibuzo emininzi njengoko kuyimfuneko ukukunceda uqonde zonke iintlawulo.
Ubume be-HUD-1 Ifom
Ukuqonda kakuhle i-HUD-1 isitatimenti sokuhlawula, noluhlu olumgca lwe-line ngokubhekiselele kumacandelo ebalulekileyo kule fomu.
Icandelo L, iiNtlawulo zokuHlala: iiLines 700-1400
Ukuba ushicilele i-HUD-1, flip kwiCandelo L kwiphepha 2. Yilapho okufakwe khona amanqaku amaninzi ngaphambi kokuba athunyelwe phambili kwiphepha 1. Amakholomu aqulethe iirhafu ezihlawulwa kumntu obolekayo okanye imali yomthengisi. Isitatimende sakho sokuvala mhlawumbi asiyi kufakwa kuwo onke imigca.
Icandelo 700, iiKomishoni zeeArhente
Eli candelo lijongene nekhomishini ehlawulwa kwi-arhente yezindlu. Imigca 701 no-702 ibonisa ukuba iikhomishini zahlula njani phakathi kwee-arhente ezimbini ezithatha inxaxheba.
Iikhomishini zihlala zihlawulwa kwiimali zathengisi. Nangona kunjalo, i-ejenti yomthengi othengisa i - home -sale-by-owner ekhaya angakhokhelwa ngumthengi wakhe, kungekhona umthengisi.
Icandelo le-800, izinto ezihlawulwa ngokuXhuma kunye neNgxowa-mboleko
Ezi zifakwe kule migca zihlala zihlawulwa kwiimali zabathengi, nangona ngamanye amaxesha abathengisi bavuma ukuhlawula imali ecacisiweyo ukunceda umthengi osondeleyo.
Umgca 801 ubonisa umrhumo obolekisiweyo owenzelwe ukuqhutyelwa okanye ovela kwimboleko. Ukuba umrhumo wepesenti yemali mboleko, ipesenti iya kuthethwa.
Umgca we-802 usetyenziselwa ukurekhoda "amanqaku" ahlawulwe ngumboleki. Ngalinye iphuzu li-1% yemali yemboleko.
Umgca 803 usetyenziswa ukurekhoda iifizi zokuhlaziywa kwee-appraisal. Unokuhlawula imali xa ufaka isicelo semboleko. Ukuba kunjalo, kufuneka imakwe "POC," ukuba ihlawulwe ngaphandle kokuvalwa. Isixa siya kuboniswa, kodwa asiyi kubandakanywa kwimirhumo epheleleyo oya kuyihlawula.
Umgca we-804 usetyenziselwa ukurekhoda iindleko zengxelo yengxelo yemboleko ukuba ayifakiwe kwiHlabathi yoMvelaphi .
Umgca we-805 uquka iindleko zokuvavanywa okwenziweyo kwisicelo somboleki. Ezinye iintlanzi kunye nokuhlolwa kwamanyathelo kubhalwe kwenye indawo.
Umgca we-806 ngowomrhumo wesicelo onokufunwa yiNkampani ye-Mortgage Private (PMI).
Umgca 807 usetyenziselwa kuphela ukuthengwa kwemali mboleko, apho umthengi ethatha umthengi okhoyo.
Imida ye-808 ukuya ku-811 isetyenziselwa izinto ezixubileyo ezinxulumene nemboleko, njengemali ehlawulwa kumthengisi wemboleko .
Icandelo 900, Izinto ezifunwa nguMboleki ukuba zihlawulwe kwangaphambili
Ezi zityholo zihlawulelwa ngumthengi. Zizo zonke izinto ezifunayo umboleki-mboleko, kodwa oko kungagcinwanga ngaso sonke isikhathi kumboleki.
Umgca we-901 usetyenziselwa ukurekhoda inzala eqokelelwa ekuhlaleni ixesha eliphakathi kokuvala kunye nentlawulo yokuqala yenyanga.
Umgca we-902 ubonisa iintlawulo ze-inshurensi zokuthenga i-mortgage . Ukhuseleko lwe-Escrow kwi-inshurensi yokubambisa ibhalwa emva koko. Ukuba i-inshorensi yakho yokubolekwa ngemali yintlawulo yokuhlawula imali efanelekileyo ebomini yemboleko kufuneka iphawulwe.
Umgca we-903 usetyenziselwa ukurekhoda iipresimenti ezinobungozi ezinobungozi ezimele zihlawulwe ngokuhlawulela ukuze zenze i-inshorensi yangoko kwipropati. Ayisetyenziselwa ukugcinwa kwe-inshorensi leyo eya kungena escrow.
Imida ye-904 ne-905 yimiba ehlukeneyo, njenge- inshurensi yomshuwalense , i-inshorensi yobomi bentengo, i-inshorensi yobomi bentengo kunye ne-inshorensi yokukhubazeka.
Icandelo lama-1000, iiNdawo zokuLondolozwa kweMpahla eziLondoloziwe kwiLender
Eli candelo lisetyenziselwa ukuhlawula imali ehlawulelwe ngumthengi kumbolekisi ngenxa yezinto ezinjengengozi yomshuwalense kunye nentlawulo yepropati . Inani leenyanga ezihlawulisiweyo lihluka, kodwa kunemiqathango malunga nokuba ungakanani umbolekisi angakuqokelela.
Umboleki uhlawule iindleko zamanje kwiindleko kwiCandelo 900. Ukungena kumigqa 1001-1007 yimivuzo esetyenziselwa ukuqalisa i-akhawunti yokukhawulwa komboleki, apho umboleki-mali uya kuhlawula iipalamyam zonyaka ozayo. Intlawulo nganye yokubolekwa kwemali ibandakanya isixa esibandakanya isahlulo sale ndleko.
Umgca we-1008 uhlengahlengiso lwe-escrow lubalwe ngu-agent settlement ngokuthelekisa iifomula ezahlukeneyo zokuhlutha. Eli nyathelo kukuqinisekisa ukuba umnini-mboleko akaqokeleli imali ephezulu yokuxhaswa kunokuba avunyelwe. Isalathiso sihlala sisiso okanye inombolo engalunganga.
Icandelo 1100, iiNtlawulo zeSihloko
Imirhumo yeSihloko iquka iintlawulo ezihambelana ngqo nokudluliswa kwezihloko, ezifana nokuhlolwa kwetayitile, ukukhangela itayiti, ukulungiswa kwamaphepha kunye neentlawulo zetayitile yomshuwalense . Ziqhele ukuba zihlawulwe kumthengi.
Imirhumo yomthetho ibandakanya iintlawulo zommeli kunye nabamthengisi, ngamanye amaxesha igqwetha lomthengisi. Ezinye izinto ezifakwe kule candelo ziyimirhumo yeevenkile zokuvala kunye neerariari. Xa umntu omnye enza imisebenzi emininzi imirhumo ingafakwa kunye. Umgca 1101 usetyenziselwa ukurekhoda intlawulo yommeli wokuhlawula.
Imirhumo ye-abstract okanye ipophando yophando kunye noviwo lufakwe kwimigca 1102 no-1103. Ukuba umntu ofanayo wenza imisebenzi yomibini, isamba semali siya kufakwa kumgca we-1103. Ukuba umntu owenza umsebenzi uyinkampani yenkampani okanye ummeli, iintlawulo zingeniswa kamva, kumigca 1107 okanye kwi-1108.
Umgca we-1104 ubonisa iintlawulo zetayitile yesikhorensi (ekwabizwa nangokuzibophezela ukuqinisekisa). Intlawulo yetayitile yenkqubo yomshuwalense ingeniswa kamva.
Umgca we-1105 urekhoda iindleko zokulungiselela amalungiselelo kunye neendleko ezifana nomsebenzi kwimali-mboleko kunye namanqaku.
Imirhumo ehlawulwe ngumntu unobhala wencwadi ekuqinisekiseni ukuphunyezwa kwamaxwebhu okuhlawula angeniswe kumgca we-1106.
Umhlathi 1107 uveza iifizi zommeli.
Umgca 1108 iindleko zethurensi yetayitile (ngaphandle kweendleko ze-binder).
Imigca ye-1109 ne-1110 yimizila yolwazi echaza iindleko ze-inshorensi yecandelo le-inshorensi eyahlukeneyo yomboleki kunye nomboleki. (Kuphela umgca we-1108 uqhubela phambili.)
Imida 1111 ukuya ku-1113 isetyenzisiweyo ukufaka ezinye iintlawulo ezihambelana neetayitile ezihluka ngendawo. Iingeniso zingabandakanya umrhumo kumqokeleli werhafu wengingqi kwisitifiketi sentela okanye umrhumo kwisevisi yerhafu yabucala.
Icandelo le-1200, ukuBhaliswa koRhulumente kunye neerhafu zokuTshintshela
Eli candelo lisetyenziselwa ukuba lenze iindleko ezifana neendleko zokurekhoda izenzo kunye nemali yokubanjiswa kwemali kunye nemirhumo yesitampu zerhafu.
Icandelo le-1300 ne-1400, iiNtlawulo zeeNdawo zokuHlala kunye neNqununu
Icandelo le-1300 lisetyenziselwa ukurekhoda iintlawulo zee-survey kunye nokuhlolwa kwezinto ezinjengezinambuzane, ipeyinti ekhokelayo kunye ne-radon. Ukuhlolisiswa kwesakhiwo kunye nokuhlolwa kobushushu, iplumbing, okanye izixhobo zombane zingabandakanywa. Ukuba ngaba elinye iqela lithenga iwaranti yesikolo, loo mali iya kufakwa kweli candelo.
Umgca we-1400 ngowamaxabiso ehlawulelo ngokuhlawula imali ehlawulwe kumali yomboleki kunye nemali yomdayisi. Ziye zangeniswa kwiCandelo J no-K, imigca 103 no-502.
Icandelo J Isishwankathelo seNtengiso yomThengi: Iimitha 100-303
Buyela kwiphepha 1 lefomu ye-HUD-1, uya kufumana amacandelo J no-K, achaza umthengi kunye nomthengisi.
Icandelo lama-100, iNani eliPhezulu elivela kuMboleki
Umhlathi 101 uthetha intengo epheleleyo yokuthengiswa kwepropati.
Imirhumo yepropati yomntu (izinto ezinjengemibhobho, i-washer, dryer, ifenitshala yangaphandle, kunye nezinto zokuhlobisa ezithengwa kumthengisi) zidweliswe kwi-102.
Umgca 103 ubonisa iindleko zohlawulelo ezipheleleyo kumboleki oziswayo phambili kwi-Line 1400.
Imigqa 104 kunye ne-105 yimivuzo ebolekwa ngumboleki okanye ehlawulwe ngaphambili ngumthengisi.
- Izibhengezo ezihlawulwe kumboleki ziquka ibhalansi kwi-akhawunti yokukhawulela umthengisi ukuba umbolekayo uthatha umboleko .
- Umboleki angakhokhela umthengisi inxalenye yeengeniso ezingabhalwanga.
Iimitha ezili-106 ukuya ku-112 zizinto eziye zathengiswa nguMthengisi. Ngokomzekelo, umthengi kufuneka abuyisele umthengisi ngesahlulo sakhe somrhumo xa kuthengiswa umrhumo wonyaka. Umntu ngamnye uhlawula iindleko ngexesha elinazo ipropati.
Umgca we-120 ngumyinge owenziwe ngumntu obolekayo. Yonke iLines 101 ukuya ku-112.
Icandelo lama-200, izixa-mali ezihlawulwayo okanye ngenxa yeBhanti
Ezi zizo zonke izibhengezo zeemali ezibolekelwe ngumboleki.
Umgca we-201 unikezela umthengi ngetyala ngemali yemali ekhokhwayo xa isibonelelo samkelwe.
Umgca we-202 umyinge wemboleko emitsha, ehlawulwa ngumboleki ngumboleki.
Umgca we-203 usetyenziswe xa umbolekayo ethatha umbolekisi okanye uthatha isihloko esilandelayo mboleko okanye i-akhawunti ekhoyo kwipropati.
Imida 204 ukuya ku-209 isetyenziselwa ukuluhlu izinto ezidibeneyo ezihlawulwe okanye egameni lomthengi. Bangabandakanya izinto ezifana nesibonelelo somthengisi esilungiselela ukulungiswa okanye ukutshintshwa kwezinto. Le ndawo isetyenziswe xa umthengisi wamkela inqaku kumbolekeki ngenxalenye yentengo yokuthenga.
Imigca 210 ukuya kweye-219 yimiba yeebhili apho umdayisi engazange ahlawule, kodwa uhlawula yonke into okanye inxalenye. Imirhumo kunye novavanyo zidweliswe, kodwa ummandla ungabandakanya irente eziqokelelwa kwangaphambili ngumthengisi ixesha elidlula ngaphaya komhla wokuhlawula.
Umgca we 220 umyinge wazo zonke izinto kwiCandelo lama-200. Ixabiso liyakongeza kwimali yomboleki.
Icandelo 300, i-Cash kwi-Setting From / to Borrower
Umgca we-301 isishwankathelo sexabiso elipheleleyo elivela kumboleki.
Umgca we-302 isishwankathelo sazo zonke izinto sele zihlawulwe ngumntu obolekileyo.
Umgca we-303 umelehluko phakathi kwemigca 301 no-302. Ngokuqhelekileyo ibonisa ukuba imali ebolekayo kufuneka ibenze ukuvala. Ingaba yinani elibi, ebonisa ukuba umboleki uya kufumana imali emva kokuvala.
Icandelo K, Isishwankathelo seNtengiso yomthengisi: Iimitha 400-603 Iimitha 400-603
Ukunene kwecandelo J (isishwankathelo somthengi womthengi), uya kufumana icandelo K elishwankathela ukuthengiswa komthengisi.
Icandelo lama-400 , inani elincinci ngenxa yokuthengisa
Iimali ezi kweli candelo zongezwa kwiimali zathengisi.
Umgca we-401 uchaza intengiso epheleleyo yepropati.
Izibhengezo zepropati yomntu (izinto ezinjengeemfestile, i-washer, i-dryer, ifenitshala yangaphandle kunye nezinto zokuhlobisa umthengisi angathengisa kumthengi) zidweliswe kwi-402.
Imigqa 404 kunye ne-405 yile yemali ehlawulwa ngumboleki okanye ehlawulwe ngaphambili ngumthengisi, njengale:
- Ukuba umntu obolekayo ecinga ngemboleko yemthengisi, kufuneka abuyisele umthengisi ngokulinganisela kwi-akhawunti yokungenisa umthengisi.
- Umthengi unokuhlawulisa umthengisi inxalenye yeengeniso ezingafumanekiyo.
Imigqa 406 ukuya kwi-412 yintetho leyo uMthengisi ahlawule ngayo ngaphambili. Ngokomzekelo, umthengi angadinga ukubuyisela umthengisi ngesahlulo esineprogram yeentlawulo zorhulumente ukuba umthengisa uthe wabuya umrhumo wonyaka kodwa akayi kuba ngumnini wepropati ngaloo nyaka wonke.
Umgca we-420 yixabiso elipheleleyo ngenxa yomthengisi. Ingumyinge weeLines 401 ukuya ku-412.
Icandelo lama-500, ukunciphisa kwixabiso ngenxa yathengisi
Iimali kweli candelo zikhutshwa kwiimali zathengisi.
Umgca we-501 usetyenziswa xa umthengisi we-real estate umthengisi okanye elinye iqela ligcina umrhumo wemali ekhokhwayo ngumboleki kwaye uya kuhlawula ngqo kumthengisi.
Umgca we-502 uqulethe umfanekiso ukusuka ku-Line 1400, iindleko zithengisi zithengisi njengoko zibhalwe kwiCandelo L.
Umgca we-503 usetyenziswe ukuba umntu obolekayo uthatha okanye uthathe isihloko phantsi kwezibheno ezikhoyo ezichithwe kwixabiso lokuthengisa.
Imigaqo ye-504 kunye ne-505 yile nayiphi na imali mboleko yokuqala kunye / okanye yesibini ekuya kuhlawulwa njengenxalenye yokuhlawula (kubandakanywa nomdla).
Imigca ye-506 ukuya ku-509 iboniswa njengemigca engenanto yokungeniswa kwamagama amaninzi.
Umgca we-506 usetyenziswe ukurekhoda iiphozithi ezihlawulwe ngumboleki kumthengisi okanye omnye umntu ongekho i-agent agent. Oku kuhluke kancinane kunokuba kungenwe ngo-501. Kule meko, iqela eliphethe imali liyithumela kwi-arhente yokuhlawula ukuba ikhutshwe ekuvalweni.
Le mizila ingasetyenziselwa ukuluhlu lweengxowa ezongezelelweyo ezihlawulwa kakhulu ekuhlaleni ukucima isihloko kwisakhiwo.
Imigca emi-510 ukuya kwi-519 yimiba yeebhili apho umdayisi engazange ahlawule, kodwa uhlawula yonke into okanye inxalenye. Imirhumo kunye novavanyo zidweliswe, kodwa ummandla ungabandakanya irente eziqokelelwa kwangaphambili ngumthengisi ixesha elidlula ngaphaya komhla wokuhlawula.
Umgca we-520 uwonke wonke izinto kwiCandelo le-500. Ixabiso lichithwe kwimali yomthengisi.
Icandelo lama-600, i-Cash kwi-Settlement To / From Seller
Imigca 601 yintlawulo epheleleyo ngenxa yomthengisi, ukusuka kumgca 420.
Umgca we-602 uqulethe inani lokunciphisa kwimali yomthengisi, ukusuka kumgca 520.
Umgca we-603 umelehluko phakathi kwemigca 601 no-602. Ngokuqhelekileyo ibonisa inani lemali elihlawulwe kumthengisi, kodwa kunokwenzeka ukuba umthengisi ahlawulise imali ekuvaleni. Ngokomzekelo, umthengisi unakho ukuhlawulwa ngaphezulu kwi- mortgage yokuqala neyesibini kunokuba ifunyenwe kwisivumelwano.
Ukuba ufumene i-HUD-1 njengenxalenye yokuthengwa kwakho kwekhaya, khumbula ukuba ngowomnye wamaxwebhu okuvala omele uwagcine .
Ehlelwe nguElizabeth Weintraub. Ekhaya Ukuthenga Iingcali kwi-Balance.