Unokuzibuza-ingabe iibhanki zifuna ukurhoxisa izibophelelo zabo? Ngaba iibhanki ziyakuvuyela ukufumana isibonelelo, ngokukodwa ukunikezelwa kwexabiso elipheleleyo kwikhaya lebhanki?
Impendulo mhlawumbi ayikho.
Amabhanki Awufuni Abathengi Ukuhambisa Amanqaku amaninzi
Amabhanki afundile ukuba akuthenganga zonke izithengiso zokuthenga. Abanye abathengi benza izibonelelo ezininzi kungekho njongo yokuthenga zonke. Bafuna ukukhetha nokukhetha into efanelekileyo kwaye, ngokwenza njalo, bangazifumana enkundleni ngokubhala izibonelelo ezixhasayo.
Ingxaki ivela xa umthengi engenalo indlela yezemali yokuthenga zonke iimpahla. Eminye imimiselo yomgaqo-nkqubo inokuthi ibambe umthengi enecala lokuphulwa kwekhontraki xa ekhanselwa ngenxa yokuba umthengi angaphula isivumelwano somvumelwano "wokholo oluhle."
Ngaphezu koko, masijongane nayo, iibhanki zifuna ukuba umthengi azibophezele ekuthengeni aze alandele ngokuvala. Ukuba ibhanki inesizathu sokukholelwa ukuba umthengi udlala imidlalo, ibhanki iya kulahla ukunikezelwa kokuthenga . Kodwa kukho ezinye iibhanki azithengise ukuhlala kwebhanki kunoma yimuphi umdala uTom, uDick noHarry.
Izizathu zeBhanki Awuyi Kuthengisa I-Bank Repo kuwe
Imali yokuhlala yaseBhanki ayinqabile kwiimeko zekeykey.
Zininzi ziye zahluthwa okanye zonakaliswa, kwaye ezinye ziyixhoba lokugcinwa kwesondlo.
- Ezinye zeeBhanki ezinezindlu ezingenakulungeleka kwiNgxowa-mali eqhelekileyo.
I-Mortgage underwriters inokuthi idibanise umboleko kumthengi ofanelekileyo ukuba loo propati ifuna umsebenzi omningi ukuhlangabezana neikhowudi zempilo kunye nezokhuseleko. Isibonelelo somthengi oqhelekileyo nge-20% phantsi, nangona kunjalo, uya kutshitshiswa isipho esivela kumthengi ukufumana i- FHA mboleko .
- Iimvavanyo zeFHA.
I-FHA abathengi bangase babuyele ekuthengeni i-bank repo xa i- appraisal ifuna iimeko. Nangona kuyiqiniso ukuba izikhokelo ze-FHA zezifundo zikhululekile ukususela ngo-2006, amakhaya aqingqiweyo asele badala angadinga ukulungiswa okuninzi . Abahloli baya kubhala izindlu zangasese ezingasese zokuhlambela kunye nokucwina, ukupenda ngepeyinti kumakhaya angaphambi kowe-1978, ezingenakusebenza okanye ezingekho phantsi kweefowuni ezifana nesitofu.
I-FHA idinga ukwaneliseka kokuhlolwa kweemeko ngaphambi kokuvala. Sekunjalo, i-REO ibhanki ayinakugunyaza ukulungiswa ngaphambi kokuvala. Emva koko, uphonsa kumxube ukuba abathengi bebhanki banqabile ukuba bafune ukuhlawula ukulungiswa ngaphambi kokuba bahlale ekhaya.
Ukuthunyelwa kwemali mboleko ku-K complicate inkqubo kwaye kuthatha ixesha elide ukuvala, kodwa kuyindlela efanelekileyo xa kuthengwa i- fixer-upper .
- Amabhanki anqwenela abathengi bemali kwi-Bank Repos.
Abathengi abaneemali zithengi abazithengayo be-REO. Uluhlu-intengo yonke-ukwenziwa kwemali iya kutshitshiswa kwinqanaba eliqhelekileyo, nangona umnikelo oqhelekileyo ungaphezulu kwexabiso lexabiso. Ukuba iimeko zoluhlu zichaza "abathengi bemali kuphela," akunakwenzeka ukuba ibhanki iya kuqwalasela isipho kunoma yimuphi umthengi oncike ekuxhaseni imali.
Amabhanki angafuna umthengi wemali ukuba abonise ubungqina bemali . Lo myalelo ufumane ukuhlaziywa kwindawo yokuhlala ngaphandle kokuba imali sele isebhankini.
Kutheni i-REO Ababoleki befana nabo bonke abathengi bemali yokuthenga i-Bank Repos
- Akukho vavanyo yoQeqesho.
Ukuba i-repo yebhanki ayifaki ukulinganisa intengo yokuthenga kwaye umthengi ufumana umboleko ofuna i-20% phantsi kwentlawulo okanye ngaphantsi, umnini-mboleko womthengi akayi kuxhaswa ngaphandle kokuba umthengi ekhwehlela ngaphezulu imali okanye i-REO isithengisa ixabiso. Abathengi bemali abayenzi izipesheli ngokubhekiselele kwi-appraisal.
- Akukho mfuneko yokuxhaswa kwemali .
I-REO ababolekisi abathengi bemali abafanele bakhathazeke malunga nokuvalwa kwemali. Ababolekisi bavame ukukhanyela iimboleko kubathengi abaqeshwe ngaphambili ngenxa yokuba iziqinisekiso zabathengi ngamanye amaxesha ziguqulwa xa zihlolisiswa. Mhlawumbi umthengi akaqeshwanga ngokugcwele kwimisebenzi emibini kwiminyaka emibini edlulileyo, mhlawumbi imeko zezemali zaguqulwa ngaphambi kokuvalwa njengoko umthengi uthengisa imoto entsha okanye embi, mhlawumbi umthengi wayengazi kakuhle ixhoba lobusela besazi .
- Ngokukhawuleza Ukuvala.
Umthengi akadingi iintsuku ezingama-30 okanye ezingama-45 ukuvala ukuba umthengi akafumani mboleko. Xa ukuhlolwa kwekhaya kunye nezinye iziganeko zanelisekile okanye zikhutshiwe, ukuvala kungenziwa ezincinane iintsuku ezi-3 ukuya kwezi-7, ukubonelela umthengi uzimisele ukutyikitya ukukhishwa kwepeyinti ekhokelayo.
Ukuvala ngokukhawuleza kufaka imali kwi-REO kwesikhwama semali-mboleko ngokukhawuleza. Kukho nezinto ezimbalwa ezingakwazi ukungahambi kakuhle ngexesha elifutshane lokulinda.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.