Ezinye iiDeskithi zeeBhanki ezinezindlu eziMali azibuyisekanga
Into yokugqibela ekhaya abathengi abafuna ukuyenza yilahlekelwa yimali yabo engqongqo xa bethenga ikhaya lebhanki . Ukuthengiswa kweBhanki, okubizwa ngokuba yi-REOs, kuthathwa ngokwahlukileyo ngokwezinto eziqhelekileyo zokuthengiswa kwezindlu.
Ukwenza imiba ibe yinto enomdla ngakumbi, akukho nto ihambelanayo phakathi kwababolekisi be-REO malunga nendlela intengiso nganye iqhutyelwa ngayo. Kukho umnxeba oqhelekileyo, nangona kunjalo, phakathi kweentengiso zokuthengiswa kwempahla ndiyisebenzisela eSigramento, kwaye oko kukuqinisa ukunyaniseka kwemali.
Iimali zeeMali eziMali eziThatywayo ziSebenza ngokuThengiswa rhoqo
Uninzi lwezinto eziqhelekileyo zokuthengwa kweefisi e-California ziphathwa ngokufanayo, kwaye zifana neli lizwe lonke. Umthengi wenza idiphozithi yemali ekhokhwayo ukuhlawulwa, isitifiketi okanye i-real estate brokerage, kwaye iya kubuyiselwa kumthengi ngexesha lokuhlola.
Nangona kunjalo, qaphela ukuba idiphozithi yemali ethembekileyo ayibuyanga ngokuzenzekelayo kumthengi ukudalela imiyalelo yokukhansela isayinwe ngamabini omabini. Ngamanye amaxesha kuvela iingxabano, kwaye oko kunokulibazisa ukubuyisela.
Ukuthengwa kwezindlu kumanyathelo enkundla kwintengiso kuyahluke kunokuthenga ikhaya lebhanki okanye kwi-bhanki okanye kusetyenziswe iinkonzo ze-arhente yezindlu. Eli nqaku alisebenzisi kwiivenkile.
Iingcebiso zokujongana neMali ezuzekileyo yemali kwizindlu zeBhanki
Amabhanki afuni ukufumana isigxina ekungeneni kuphela ukufumanisa ukuba umthengi akayicacanga ngokuthenga ukuchithwa .
Ngoko ke, iibhanki zifuna ukunciphisa izinga lokuwa / ukukhishwa kwesantya kwaye ziya kwenza iimfuno kwiingxoxo zentsebenziswano. Nazi izicwangciso zokujongana nababolekisi be-REO:
- Yenza i-Deposit Money Imbuyekezo ehlawulwa kwiSihloko okanye kwi-Escrow.
Ukuba wenza idiphozithi yakho yemali ekhokhwayo kwi-brokerage, kwaye loo tshekatshi ifakwe kwi-akhawunti ye-trust, i-brokerage iya kufuna ukulinda imali ukuze icacise ngaphambi kokukhangela isheke kwikampani yetayitile. Ibhanki ayikwazi ukulinda imvume.
Ibhanki iyakuthi ifune ukuba iteksi ithunyelwe kwisihloko, ngoko zigcinele intlungu kwaye uyifake "kwisihloko okanye inkampani yokuhlutha," igama elingagcwaliswa emva koko. Oku kuya kuthintela u-brokerage ekufakeni isheke.
- Iimali kufuneka zibe kwi-Akhawunti yomthengi ukufihla i-Check.
Kwintsebenziswano enye, ibhanki yatsho ukuba umthengi ahambise isheke ukuze ahluthe, kwaye umthengi wenza. Nangona kunjalo, wayekhohliwe ukutshintsha imali kwi-akhawunti yakhe yokulondoloza ukujonga isheke. Bounced.
I-arhente yokurhweba kunye nomphathi we-asethi wagxininisa umthengi ngokukhawuleza ukucoca ngemali. Umthengi waya kwi-bhanki yakhe ngoLwesihlanu waza wathisa imali, kodwa ibhanki yahlaselwa kwaye ayizange ithumele umnxeba. Lo mthengi wacelwa ukuba alahlekelwe ngumntu wakhe webhanki ngenxa yokuba ibhanki yayifuna ukucima eso sivumelwano. Ngokuphelelwa yithemba, washiya zonke izivumelwano zekhontrakthi zakhe ukuze alondoloze, kwaye ibhanki yamukela umnxeba ngoMvulo olandelayo.
- Lungiselela ukubuyisela iDisposithi yeMali eXhasayo kunye neCashier's Check Upon Accept Acceptance.
Ezinye iibhanki ziza kufuna ukuba umthengi athathe indawo yetshukumo yemali engqinileyo yangaphambili kunye nesheke. Ukuba iibhanki zakho zebhanki zigcinwe kumaziko angaphandle kwimeko, ungenako ukufumana iteksi yesikhokhelo ngokukhawuleza.
- Hlalani Nilungele Ngokukhawuleza Ngobusuku boMnyango weNgcaciso yeMali kwiNkcazo yeBhanki okanye i-Escrow Inkampani.
Fumana ukuba ngubani ophetheyo obusondeleyo ubusuku. Ngamanye amaxesha, iinkampani zenkqantosi ziya kukuvumela ukuba usebenzise i-akhawunti ukuthumela imali, ngoko cela, kodwa qinisekisa ukuba ezo mali zihanjiswe ngobusuku bobusuku bokuhambisa. Fumana iirisithi yeenjongo zokulandelela xa iteksi ingabonakali ngexesha.
- Ukuxoxisana ngeeNkxaso zeMali eziPhezulu ngaphantsi kweNkundla enkulu yeMangalo yeMangalo.
Ukuba kwenzeka ntoni kakhulu kwaye ugqiba enkundleni, ngokukhawuleza kuthatha ityala lakho kwiNkundla yamangalo amancinci. Nangona kunjalo, iiNkundla ezininzi zeNkundla zamangalo zibeka umda kwixabiso apho ungafaka ifowuni. Ukuba idiphozi yakho yemali engqongqo ingaphezulu kwexabiso elibekwe yinkantolo kwaye usafuna ukuphishekela inyathelo kwiNkundla Yamangalo Amancinci, awuyi kufumana ibhalansi yonke nokuba uyayinqoba.
Cinga nge-Wiring ye-Fund ngqo. Oku kukhethwa kwiimeko ezininzi. Nceda uqaphele ngemimiselo yocingo, kwaye unxeba ukuqinisekisa ukuba unesihloko okanye inkampani yokunyuka ukuba imiyalelo iyasebenza. Abanye bazama ukugqithisa i-hijack escrows, bathumele imiyalelo yabo ye-wiring kwaye bathathe imali yakho.
- Ixesha lakho Ingxoxo malunga neeNkozo zeMali eziNgenisekanga.
Kungenxa yokuba ezinye iibhanki ziza kwenza imali yakho ye-deposit engeyiyo ibuyiswe, unokufuna ukulungelelanisa ukuhlolwa kwakho ekhaya xa wamkela ngomlomo isipho sakho. Unokuba neeyure ezingaphantsi kweeyure ezingama-24 ukuqhuba oku kuhlolwa, ngoko udibanise abahloli bakho ngaphambili kwaye ulungele ukwenza umzuzu wakho i-arhente ekutshilo ukuba uya kwamkelwa.
Ngale ndlela, uya kuba nokuhlolwa kwakho kugqityiwe phambi kokuba uhambise loo mali. Kuyakusindisa ubuninzi bexhala kunye nokukhathazeka ukuba uyazi ukuba ufuna ukuqhubeka nokuthengisana ngaphambi kokunikezela imali.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.