Nguwe kuphela onokukhusela ukuvalwa kokuvalwa kwexesha lokufumana imali
Unokufunda lula ukuba kukho izinto umthengi wendlu akufanele akwenze ngaphambi kokuvala ukuthengiswa kwezindlu, okanye unokuba njengabanye abantu abaninzi kwaye ufunde oko kwenzekayo kanzima. Kukhethiweyo. Ukufunda indlela elula yokuba kukho izinto umthengi akufanele akwenze ngaphambi kokuvala kuthetha ukuba uya kuthobela ingcebiso kwi- broker yakho mboleko , i-agent yakho kunye nalo mbhali. Sonke sithetha into efanayo, kodwa ngokusoloko kubonakala ilahleka ekuguquleleni.
Okanye, mhlawumbi kungenxa yokuba abathengi baxhamla kwisigwebo sexeshana kwisigwebo. Kulula ukwenza xa uxinezelekile ngokuvala ukuthengisa kwekhaya lakho. Umboleki-mboleko ungabonisa indlela elula yokwenza, kwaye ngamanye amaxesha abathengi bayichaza ngokucacileyo isabelo, kwaye benza enye into - ukuba enye into edla ukulibazisa ukuvala. Xa ungathandabuzeki, cela.
Musa ukwenza loo nto eyenza ukuqonda
Ingxaki enkulu kakhulu ibonakala ivela ekubeni ininzi abathengi basekhaya bexesha lokuqala bekholelwa ukuba izenzo zabo zenzelwe ukuba zimsulwa, kwaye ziqinisekile ukuba ziqondakala kubo. Inokuyenza ingqiqo kodwa awukwazi ukukholelwa ukuba ingqiqo kuba kuyingozi kakhulu ukucinga ukuba ngenxa yokuba ivakalisa ukuba yinto efanelekileyo, kufuneka uyenze. Inyaniso kukuba akunakwenzeka into.
Imithetho kunye nemigaqo-mboleko ye-Mortgage ayinokwenza ingqiqo eninzi ngaphandle kwekomiti karhulumente eyenza imimiselo.
Ngokomzekelo, umthengi wekhaya enefrikhi kwingxelo yakhe yekredenti angacelwa ngumboleki ukuba aphakamise okwethutyana. Oko umthengi wekhaya akuva into eyahlukileyo. Umthengi uyava ukukhansela i-credit freezeze. Ukuba umthengi angashenxisa i-frozen, kungenza ukuba ingxelo entsha yentengo iveliswe kwaye ingavelisa amanqaku angaphantsi kweFICO .
Kweso siganeko ukuchazwa okutsha kuyakufuneka kudityaniswe ukubonakalisa izinga eliphezulu lomhlalaphantsi . Icandelo elingu-1/4 liye lisuka kwi-4% ukuya kwi-4.25% kwimiphumo yemali-mboleko eyi-300,000 ekuhlawuleni imali engaphezu kwama-15,000 e-eyongezelelweyo ngaphezu kwexesha lemali-mboleko yeminyaka engama-30. Ukuqhubela phambili, ukuvelisa ukuveliswa okutsha kokugqibela phantsi kwesikhokelo se-TRID kuthetha ukuba umthengi uya kufuneka alinde kwelinye ixesha ngaphambi kokuba i-docs ihlawulwe. Ukulinda kwixesha lesibini kunokulibazisa ukuvala kwakho.
Ngaphezulu kwile ngxaki, abanye ababolekayo xa bejonga iingxelo zekredithi , fumana into engafanelekanga. Ixesha lokuzama ukulungisa ingxaki ngaphambi kokuba ube kwisivumelwano sokuthenga ikhaya, kungekhona ngexesha lexeshana. Kodwa impazamo ikukhangela ebusweni, khona apho kwikhompyutheni yakho yekhompyutha, kwaye konke okufuneka ukwenze ukuphikisana nephutha kukucofa kwimouse. Musa ukwenza. Ungathinti imouse. Ukuphikisana nephutha xa kukhontrakthi kungabangela enye ingxelo yengxelo yemboleko leyo, leyo leyo, ingavelisa ukuveliswa okutsha kokuvalwa, kwaye konke ukukhupha ukusuka apho.
Uludwe lwezinto ezingenzi nto xa ulindele ukuvala ukuthengiswa kwezindlu zangaphandle
- Musa ukuchaphazela ingxelo yakho yekhredithi . Musa ukuyijonga. Ungenza uphando olungenakubungozi kwaye uphele ukulibazisa ukuvala kwakho. Yamkela into yokuba awuyiyo ingcali yekhredithi.
- Musa ukumisela i-credit entsha. Amakhadi e-cash back anikezelwa ngaphandle kohlaza okweluhlaza? Cima loo ma-imeyile, gcwalisa iifomu zeempendulo okanye ulinde de kube emva kokuba ukuthengiselana kwakho kuvaliwe ukwamukela i-credit entsha.
- Ungavali naziphi na i-akhawunti ze-credit. Nangona uqaphela ukuba awunakusebenzisa ikhadi elithile lekhredithi, umzekelo, yinqumle ukuba kufuneka, kodwa ungayicima loo mgca wekhredithi ngelixa ulindele ukuvala ukuthengwa kwekhaya lakho.
- Musa ukwandisa umda wemarike kumakhadi akho. Nayiphi na into efanelekileyo yokuthenga ngekhadi lesikweletu kufunekakile ukulinda. Ukuba ufumana isipho ngeposi, ungaphenduli kuso.
- Ungathengi nantoni ngekhadi lekredithi okanye ubeke into ekulahla. Akukho nto. Oku kuthetha ukuba akukho. Ewe, unokufuna i-washer kunye nesomisi, kodwa linda uze uvale ukuyilawula. Musa ukuthatha igama lomthengisi ukuba baya kubhala kwaye bakubambelele, kuba umntu uya kungena kwikhompyutheni yesitoreji ngephutha kwaye, voila, ukuvala kwakho kuya kulibazisa.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.