Indlela Yokulungela Okukhulu Ukuqinisekisa Ukuthengiswa Kwakho Okufutshane Akuyi kukhishwa
Ixabiso lentengiso elifutshane
Uluhlu lwamanani ekhaya elifutshane lokuthengiswa alinalo ncinane kwixabiso elibhanki elingamkela. Uluhlu lwamaxabiso lunokuphakama kakhulu ukukhangela isipho okanye phantsi kakhulu ukuba ibhanki yamkele. Ezinye iimbosa zithengisa ukuthengisa okufutshane kwixabiso elingakholwanga , kuthemba ukuba umthengi uya kuhendelwa ukuba angenise isipho. Ngaphezu koko, ngenxa yokuba umthengisi angamkela isipho asisho ukuba ibhanki iya kuvuma ukuthatha intengiso emfutshane.
UkuThengiswa okufutshane
Ukuthengisa okufutshane kufakwenzeka xa ibhanki ivuma ukuba yamkele ngaphantsi kwexabiso lemali ebolekwa ngumthengisi kwi-bhanki. Ikhaya lingabonakala lingaphantsi kwamanzi, kodwa ukuba emva kweentlawulo zokuthengisa zithathwa, kunye ne-mortgage, imali ifutshane, ngoko iwela kwintsimi emfutshane. Ipropati inokuthi ihlanganiswe nemali mboleko okanye enye mboleko. Ukuba inemali-mboleko emibini, bobabini abathengi kufuneka bavumele ukuvuma ukuthengiswa okufutshane.
Kutheni iibhanki zilahla ukuthengisa okufutshane
Amabhanki afuna i-plethora yamaxwebhu ngaphambi kokuvuma ukuthengiswa okufutshane.
Ngokuchasene neenkolelo ezidumileyo, abathengi abayidingi ukuba babe kwi- foreclosure okanye baye bawa emva kokwenza iintlawulo zempahla, ngenxa yokuthengisa okufutshane. I-arhente yokuthengiswa emfutshane esithengisa ikhulu lempahla efutshane iyakuthetha ukuba ukuthengiswa kwakho okufutshane kuya kuvunywa. Ezinye izithunywa zingenako ukukwazi. Nazi izizathu zokuba iibhanki zichane izicelo zokuthengisa ezifutshane.
- Umrhumo omfutshane wokuthengiswa kwexabiso Ixabiso elincinci: Amabhanki aya kucela i-appraisal, ngamanye amaxesha amanqaku amaninzi, kwaye angayilungisa iBPO . Xa i-arhente yokurhweba ithumela ukuthengiswa okufutshane, i-arhente kufuneka ifake uhlalutyo lwemakethi oluthelekisayo olubonisa ukuba ixabiso lentengiso efutshane. Ukuba ibhanki ikholelwa ukuba inokwenza imali engakumbi ngokuthatha ipropati ngokuqhubeka kweenkqubo zokungcebeleka, ibhanki iya kulahla isipho.
I-Short Sale Package ayiyi-Complette: Buza nayiphi na ingcali yentengiso emfutshane kwaye uya kuva iindaba ezimangalisa ngayo indlela amabhanki alahlekelwa ngayo amaxwebhu. Kwezinye iimeko, akukhathazeki ukuba kaninzi kangakanani iphakheji ibonakaliswa ngobusuku okanye ifakwe ngefeksi, ibhanki inokuyibeka ngaphandle. Okubi kakhulu, uxwebhu olubalulekileyo lungahle lungabi kwifayile, kwaye ngaphandle koxwebhu olufunekayo, ukuthengiswa akuyi kunikwa.
Umdayisi akafanelekanga: Ukuba umthengisi ucela ukuxolelwa kwetyala, ibhanki iya kufuna ukubona incwadi ebunzima evela kumthengisi ochaza ukuba kutheni umthengisi akakwazi ukuhlawula ukuhlawula ukungafani. Abathengisi abaneempahla ezihlawuliswayo bayakukhathazeka ukuba abathengisi abanqweneli ukwenza isicwangciso sokubuyisela ibhanki.
Umthengi Akafaneleki: Umnqweno wokuthenga ikhaya kunye neendlela zemali zokufumana intlawulo yempahla engenakuthetha ukuba umthengi ufanelekile ukuthenga ikhaya. Umboleki womthengi uya kuhlola iimbali zebhanki , ubude bexesha kumsebenzi, ukulingana kwamatyala , kunye neminye imigaqo yokumisela iziqinisekiso zemboleki. Ukuze ufumane ukuthembeka kwibhanki lomdayisi, abathengi kufuneka bahambise i-letter yokubaliswa kwemali mboleko kunye ne-offer, kodwa ileta yokubhengezwa kwemboleko mboleko ithwala ubunzima.
- Ibhanki ithengise iMali-mboleko: Ngamanye amaxesha, umxoxiswana akayi kuqonda ukuba ibhanki ayinalo i-mortgage okanye iinkonzo zemboleko kuze kubekho iiveki ezixabisekileyo ezithe zagqitywa xa kuthengiswa okufutshane . Ukuba ibhanki ithengise umboleko kumnye umbolekisi, ibhanki ayinalo igunya lokuvuma ukuthengisa okufutshane ngenxa yokuba ikhuphe i-asethi. Nangona umthengisi angaqhubeka nokufumana ingxelo evela ebhankini, ibhanki inokuthi isebenzise umbolekisi kodwa ingayinayo