Izizathu Zokholo Oluhle, okanye Inkcitho, Ukulinganisela

Ukulinganiswa kweMali-mboleko kusiza ababolekayo ukuba baqhathanise neDatter Mortgage

I-Faith Faith Estimate (GFE) yenzelwe ukukhuthaza abathengi kwivenkile yokuqala kwaye uthelekise iimali ezivela kubathengi abahlukahlukeneyo ngaphambi kokukhetha umboleko . Injongo yalo yokuqala yayikukunceda abathengi ukuba baqonde ukuba yiziphi iinkonzo abanokuzithengela zona - ngoko abanokufumana kuphela umyinge wesantya esona santsi kunye nemigangatho engcono kakhulu kodwa bangakwazi ukugcina ngokukhawuleza kwiindleko zokuvala. Ukholo Olulungileyo Lusetyenziso alusetyenziswanga kwishishini lokuboleka imali.

Yatshintshiwe yiNgxowa-mali yokulinganisa phantsi kwe-TRID izikhokelo.

Kubani abafuna ukuhlaziya iinjongo zokuqala kunye nemigangatho yoLungiso loLungileyo, oku kulandelayo iinkqubo ezingasetyenziswanga. Nangona kunjalo i-Loan Estimate phantsi kwe-TRID ilandele le mininzi imigaqo.

Abbolekayo ngokuqhelekileyo banikezwa ngokubulawa kwamaxwebhu kwiindawo zokuthengiswa kwezindlu. I- HUD-1 (ngoku ithathelwe indawo yenkcazo yokuvala), isenzo, inqaku lesithembiso , i -inshorensi yomnini-propati , kunye namanye amaxwebhu kufuneka asayinwe kwaye angabhaliswa. Ngokuqhelekileyo, umntu obolekayo ubona la maxwebhu okokuqala kwaye uyacelwa ukuba abhalise ngaphandle kwithuba lokuzifunda ngokupheleleyo. Ukunyaniseka koKholo oluNje, ngoku i-Loan Estimate, kunika ababoleki ithuba lokuphonononga ezinye zeendleko eziphambili ngelixa besethengisa ngemboleko.

Injongo Yokholo Oluhle Linganisa i / k / i-Loan Estimate

Ukunyaniseka koKholo olulungileyo, okwangoku i-Loan Estimate, kunceda abobolekayo ukuba baphephe ukuhlawulwa kwemali mboleko kwaye bafake inzala.

Kubathengi basekhaya , iindleko zokuvala eziphantsi zingathetha ukufaka ikhaya elikhulu ngaphakathi kwebhajethi yabo yangoku, ukunciphisa imali yabo yokuhlawula imali yonke , okanye nje ukukwazi ukuletha imali encinane kwietafile zokuvala. Qaphela: kwezinye iimeko, abathengisi bangavuma ukuhlawula zonke okanye ezinye zeendleko zokuvala umthengi .

Uluphi Ukholo Oluhle Lokulinganisa Kwemali?

Ngowe-1974, iCongress yadlulisela uMthetho weNdawo yokuHlaliswa kweMpahla yoTywala (RESPA) noMthetho ngenjongo yokukhusela abathengi ngokufuna ukudalulwa kwazo zonke iindleko ezihambelana nokuthengwa kwezindlu kunye / okanye ukuthengwa kwemali mboleko. Ngomnyaka we-1992, i-HUD yahamba inyathelo elongezelelweyo ngokukhutshwa komGaqo-miselo X, okwakudinga ukuchazwa ngokubanzi malunga naluphi na amalungiselelo oShishino oluManyeneyo olungaba khona phakathi kwamaqela abandakanyekayo ukuthengwa kwezindlu. Ukholo Oluhle lokuhlaziywa kwakhona olwenziwe ngoJanuwari ka-2010. Ngo-Oktobha ka-2015, iMali yokuPhathwa kweMali yaba yinto ekuya kubhengeza.

Kwixesha elidlulileyo, ababolekisi babonelele ababolekayo abanokufumana iziThamo zoBulungisa. Nangona kunjalo, kukho ukungqubana okukhulu phakathi kwabo babolekiweyo abasemthethweni kunye noko bafumene ngeNgxowa-mali. Kukho utshintsho oluthile:

1. Ababoleki bafuneka ukuba bakhuphe iNgxowa-mali yokuLungisa ngaphakathi kweentsuku ezintathu. Ukuba umboleki-mboleko akaboneleli ngeNgxowa-mboleko kwisithuba seentsuku zeentsuku ezi-3 zokufumana isicelo sokubolekisa ngemali-mboleko, ukuba umbolekisi uyaphula umthetho. I-HUD inikeza inkcazo ekhethekileyo yintoni eyenza isicelo esifanelekileyo semali mboleko. Ababolekisi bafuneka ukuba bakhuphe iNgxowa-mali yokuThengisa kwiintsuku ezi-3 zokufaka isicelo semboleko okanye kwiintsuku ezi-7 ngaphambi kokuvala.
   • Igama lomboleki
   • Imali Yenyanga yeNgeniso
   • Inombolo yoKhuseleko loLuntu (ukufumana ingxelo ye-credit)
   • Idilesi yePropati
   • Ukulinganisela ukubaluleka kwePropati
   • Isixa semali
   • Nantoni na enye enye iLenderer ibona iyimfuneko

1. Ukulinganiswa kweMali-mboleko kuyimilinganiselo. Bonke ababoleki kufuneka banikele abathengi ngexwebhu elifanayo. Imirhumo yentlawulo, iirhafu zeqela lesithathu, kunye nezinye iindleko kufuneka ziboniswe ngokufanayo. Ngaphambili, ababolekisi babengabonakaliyo ngokutolika kwazo iimali ezifanele zifakwe kwi-Faith Faith Estimate kwaye apho kufuneka ididithi ezinjalo zichazwe.
2. I-Estimated Loan ikhuthaza abathengi ukuba bathenge. Ekubeni ababolekisi bafuneka ukukhupha i-Loan Estimate inqanaba elithile, abathengi banikezwa ithuba lokuthelekisa ababolekisi kunye nemveliso yabo. Ukongezelela koko, i-HUD ithi ngaphambi kokukhutshwa kwe-Loan Estimate), ababolekisi banokuhlawulisa kuphela ababolekayo abanakho ukuhlawula iindleko zeengxelo zemboleko. Iindleko ezincinci zeengxelo zemali-mboleko (i-$ 15- $ 30) zenza ukuba umthengi akwazi ukuthelekisa ivenkile phakathi kwabathengi abaninzi ngexabiso elincinci. Ezinye iingcali zibonisa ukuba ababolekayo baqhathanisa iirhafu kunye nemirhumo abaya kuhlawulwa ngokucela i-Loan Estimate ukusuka kubalimi abaninzi. Nangona kunjalo, ukuba ingxelo yengxelo yemboleko idonsa amaxesha amaninzi kwiiveki ezimbalwa inokubonisa ukuba i- credit bureaus ukuba umboleki uyaphika ngokuphindaphindiweyo kwaye umlinganiselo wekredithi yomboleki angathinteka kakubi. Ukuze ugweme oku, gcina i- mortgage shopping ukuya kwiintsuku ezingama-15 ukuya kwi-30 zokuqala kwekhredithi yokuqala.

Ababolekisi baxanduva lokuphendula zabo ngeempendulo zabo. Icandelo ngalinye kwi-Faith Faith Estimate elisetyenziselwa ukuhambelana ngqo necandelo le-HUD-1. I-HUD-1 yayingumqulu ochanekileyo odweliswe zonke iindleko ezibandakanyekayo kwi-propati okanye ukulungiswa kwempahla kwaye zinikezelwe kumbolekayo ngexesha lokuvala. I-HUD ithathelwe indawo yiSitatimenti sokuVala, kwaye ukuValulwa kokuVala ngoku sele kuchaza amanqanaba okunyamezela. Kukho amanqanaba amathathu okunyamezela:

• 0% Ukunyamezela
• 10% Ukunyamezela
• Ukunyamezela

QAPHELA: UKHOLO LOKUPHILA KUKHULULEKILE KWAKHENZISWA NGOMTHETHO OTHANDIWEYO, NGOKWENKQUBO KWE- TRID .

Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.