Umfundi uyabuza: "Sigqiba ekubeni sithengise ikhaya lethu. Asifuni ukuhamba ekhaya lethu , ngoko sibonakalise kunye negosa elenza ukuthengiswa okufutshane. Uthe wasibuza ukuba sisayine isigunyaziso sesithathu sebhanki. Kodwa ngoku kwenzeka ntoni? Uthi sifuna ukufumana umthengi, kodwa ndacinga ukuba sicele i-bhanki ukuba ithenge okufutshane. Umthengi wokuqala okanye ucele ibhanki ukuba yenze ukuthengisa okufutshane? Andiyazi ukuba i-arhente yethu yenza izinto ezininzi ezithengisayo, kwaye oku kungenza ndingakhathazeki.
Impendulo: Akuqhelekanga ukuba i-arhente ukuba ibange ingcali yentengiso emfutshane xa i-ejenti iphethe kuphela i-short sales of short. Akukhona ukuba i- arhente yakho ilala kuwe; kukuba i-agent ekholelwa ukwenza ukuthengisa okufutshane oku-2 okanye kwe-3 kwenza ukuba igosa ingcali.
Kwaye, ngokunyanisekileyo, kunye nexesha elithathayo ukwenza ukuthengisa okufutshane, akuqhelekanga ukuba i-arhente iphele ukucinga ukuba uye wachitha ixesha elide ekusebenziseni ukuthengiswa okufutshane kunokuba achithe. Engqondweni yakhe, ingcali. Kwiingcinga zee-arhente ezivala i-50 okanye 100 zokuthengisa ezincinane ngonyaka, akayena oyingcali.
Ngubani omele uyenze ukwenza ukuthengisa okufutshane?
Into yokuqala omele uyenze ukuqesha isicatshulwa esifutshane sokuthengisa ukuthengiswa kwakho okufutshane. Loo mntu unokuba ngummeli we-estate okanye igqwetha. Uninzi lwama-agent lisebenza kwikhomishini, lihlawulwa ukusuka kwimali yokuthengiswa, kwaye amaninzi amagosa ayahlawulwa kwangaphambili ngqo kumthengisi. Ingaba uqeshe igqwetha okanye i-agent ukuba ube ngumthengisi wakho omthengisi omfutshane , soloko ufumana iingcebiso zomthetho.
Amanye amagqwetha, njengabameli be-real estate, banokuthi bangabanikazi bezentengiso ezincinci kodwa basolula inyaniso ncinane. Kunzima ukwazi ukuba ngubani ongamthembayo. Umgaqo omhle uwukuba ucele indawo malunga nokuthunyelwa. Ngokuqinisekileyo, omnye umntu owaziyo unokwakheka kakuhle kuwe. Awukwazi ukunyamekela xa ukhetha i-arhente yokuthengisa emfutshane okanye igqwetha.
Ingaba yiNkqubo yeNdlela yoBuza iBhanki ngokuThengiswa okufutshane ngaphambi kokuba uMnikelo unikezwe?
Ngokucacileyo, akukho. Kodwa ngenxa yokuba inkqubo eqhelekileyo yokuthengiswa kwefutshane kunokubandakanya kuqala ukufumana isibonelelo, akuthethi ukuba umthengisi kufuneka ahlale elandela inkqubo efanelekileyo. Ngamanye amaxesha kunxaxha kumgaqo.
Inqubo efanelekileyo iyahluka ukusuka kwibhanki ukuya kwi-bhanki. Yibhanki yakho ebeka inqubo efanelekileyo, kwaye ibhanki ngalinye elincinci lokuthengisa lingahluke. Ngokuqhelekileyo, xa ucela ibhanki ngokuthengiswa okufutshane ngaphambi kokunikezelwa, uvumela ibhanki ibekwe imithetho kunye nenkqubo kuwe. Eyona nto ibalulekileyo, uvumela ibhanki ukhethe intengo yokuthengisa. Oku kunokusebenza nxamnye nawe.
Inkqubo Eqhelekileyo Yokuthengiswa Okufutshane
Ezinye iibhanki zentengiso ezincinci - ngaphandle kwe- Freddie Mac HAFA ukuthengiswa okufutshane , apho imigaqo emiselweyo yokuthengiswa komncinci imiselwe nje kuphela - ukhetha ukuqinisekisile ukuthengiswa kwakho okufutshane. Ukuba abazange balindele ukuxhaswa, ubuncinane balindele ukubandakanyeka kwintengo yokuthengisa kunye nokuthengisa kwekhaya lakho. Ngokuqhelekileyo, akukho nto ingileyo.
Ukuba uvumela ibhanki ukhethe intengo yokubuza, intengo ingaba phezulu kakhulu. Ukuba ixabiso lakho liphezulu kakhulu, abathengi abanako ukwenza nayiphi na uhlobo lwesibonelelo. Kwakhona kunokwenzeka ukuba ibhanki iya kuxabisa ikhaya eliphakamileyo kakhulu ngethemba lokuba ekugqibeleni uza kunika ibhanki isenzo-kwindawo-sokuvalwa .
Amabhanki akayi kuhlala ephuma kwaye akuxelele ukuba akafuni ukwenza ukuthengisa okufutshane. Ngamanye amaxesha, baya kukunyanzela ukuba uhlawule ngeendlela ezingenakuthengisa.
Inkqubo Eqhelekileyo yokuVunyelwa kweMfutshane emfutshane Emva koMnikelo
Indlela eqhelekileyo yokwenza ukuthengiswa okufutshane kukungenisa imvume yebhanki kwibhanki ngokukhawuleza ukuba ikhaya lakho lihlelwe ukuthengiswa. Emva koko, emva kokufumana isibonelelo, ngenisa iphakheji elifutshane lokuthengisa kwibhankini, kunye namaxwebhu axhasayo kunye nesibonelelo sakho.
Le nkqubo inokukulawula kwaye ayikho ibhanki. Zibuze, ngaba iibhanki azenzile umonakalo okwaneleyo? Ezi zilandelayo ziyimibhalo ekufuneka ithumele kwibhankini:
- I Khontrakthi Yokuthenga
- Ikopi ye- Deposit Money Deposit
- Ubungqina bentengo yeNgxowa- mali
- I- Letter Preproproval Letter
- Ukutyikitya ukugunyazwa kweThathu-kuGunya (xa kwenzeka ikhophi yokuqala iphosakele)
- I-Statement Closing Statement okanye i- HUD-1
- Print-Out from MLS
- CMA
- Ikhefu leShishini eliShishini eliShishini elifutshane kunye neeMali
Ibhanki ngalinye linemfuno zalo, kwaye zihlala ziguqula amaxwebhu afunayo. Kuqhelekile ukucela zakho 2 ukubuyiswa kwentela yokugqibela kunye neenyanga ezi-2 zeenkcazo zebhanki kunye nama-stubs payroll. Kodwa ezinye iibhanki ezinjengeBhanki yaseMelika yokuThengiswa kweMfutshane imfutshane ayinakufuna loo maxwebhu. Ingcali yakho yeentengiso ezimfutshane, ukuba ngokwenene loo mntu uphando, kufuneka azi.