Izizathu zokuThengiswa okufutshane malunga nokuQala

Izizathu ezilungileyo zokuthengisa ngeThengiselo elifutshane

Kungakhathaliseki ukuba ungowokungcebeleka , ukuba kuthengisa ikhaya lakho akuyi kuba nelanele ukuhlawula imali yakho ekhokhwayo, ungathanda ukucinga ngezizathu zokuthengisa ngokuthengiswa okufutshane . Kwiminyaka emininzi, kwakukho izizathu ezimbalwa zokuthengisa ngentengiso emfutshane, ngaphandle kokufumana i- arhente yendawo yokuhlala, kodwa amaxesha atshintshile.

Kutheni ama-Agents axhasa ukuthengisa okufutshane

Uza kuliva inkolelo: "Ukuthengisa okufutshane kukukhusela i-credit." Oku kuphela kwenyaniso.

Ikhredithi yakho iya kuba itanki xa uwela emva kweentlawulo zakho. Iingcali zithi i-agent eziphinda i-mantra ngaphandle kokucaciswa zenza ngokungazi okanye inomdla, zithatha ukhetho.

Kukho olunye uhlobo. Ukuba awunayo i-60-plus plus pay later late on your credit report, uFannie Mae usenokukunikezela ngemboleko yokuthenga enye indlu. Nangona kunjalo, uninzi lwabantu abathengisa ngetengiso elifutshane lidlulileyo kwiintsuku ezingama-60, ngoko oku kungasetyenziswa kubo.

Ukuthengiswa okufutshane kunokuchitha inqaku lakho lemali . Kungenokwenzeka ukuba kwenzeke ngoko nangoko, kodwa kungekudala okanye kamva, ngaphandle kokuba ibhanki ivumelene ngokukodwa ukuba ingabonakali ukunqongophala, ibhanki inokuyibika njengeCandelo leNkcazo yeBakala 22. Loo mgangatho uphathelene nokugqwetha, iirekhodi kunye neqoqo. I-HAFA yokuthengisa okufutshane ka-2013 kwaye kamva inikeze enye inketho kubathengisi abakhoyo.

Abameli bezindlu abanamalungelo akufanele banike iingcebiso zomthetho kubathengi abajongene nokuchithwa okanye bangaqinisekisi ukuba abathengisi ukuba ukulinganisa i-credit yabo kuya kuba nefuthe elichaphazelayo.

Abo baxhomekeke kulo mkhuba banokuzifumana bejongene nenkqubo yomncedisi phantsi kwendlela kwaye bathandazele ukuba iimpazamo zabo kunye ne-inshorensi yabo yokuchithwa iya kubakhokelela.

Nazi izizathu eziphambili zokuba ama-akhansela akhuthaza abathengisi ukuba bathenge ngokufutshane:

• Ama-Arhente ayahlawulwa ukusuka kwimali yentengiso ukwenzela ukuthengisa okufutshane.

• Ama-Agents awahlawulwa ukuba umthengisi uphulukane nekhaya kwi-bhanki ngokuya yonke indlela ngokusebenzisa ukuchithwa.
• Nangona ikhaya lingaze lithengise ngokuthengiswa okufutshane , i-arhente iyafumana ukuvakalisa inkululeko (kunye neshishini elitsha) ngokusayina, izindlu ezivulekileyo , ukuthengisa kunye nokuthumela uludwe kwi-intanethi .

Izinzuzo zokuQala

Nangona ukuhamba ngokuchaneka kudla ngokubuhlungu kwaye kuhlazisa abadayisi, kukho iinzuzo:

• Akukho ntlawulo yokuthenga imali.
• Ukuqhutyelwa kwenkcazo yenkcazo kuthatha inyanga ukugqiba.
• Ikhaya lihlala lenu kuze kube yinqanaba lokugqibela.
• Akukho mntu angaziwayo uhamba ngelokuhamba ngekhaya lakho.
• Maxa wambi amabhanki anika imali ngeekhiye emva kokuthengiswa koluntu.

Iimpawu zokuLungisa

Bambalwa abantu, ngaphandle kwabathengisi abakhetha ukuthenga nebheyili , bafuna ukufumana ukuchithwa kwenene. Iikhumbuzo zenziwa kwikhaya, kwaye ukulahlekelwa kwalo kungaphazamisa amaphupha esizayo. Nazi ezinye izithintelo zokubakhokelwa kwangaphambili :

• Ilungelo lobunini bekhaya lucwecwe.
• Abanini bezindlu babuyela kwiimarike zokuqashisa njengendwendwe.
• Ibhanki inokuthumela iSaziso soThengiso lweSizwe emnyango wakho wangaphambili.
• Ikhredithi yakho ithatha i-dive ekhapheni, kwaye i-foreclosure iya kuhlala kwi-credit report yakho iminyaka eyi-10.
• Ngaphansi kwezikhokelo ze-Fannie Mae, ngaphandle kweemeko ezinzulu, awuyi kukwazi ukuthenga elinye ikhaya iminyaka engama-7.

Iinzuzo zokuthengiswa okufutshane

Ngokuqinisekileyo, uya kwenza igosa lakho lezakhiwo ezivuya kuba ama-othoyo ayavuya ukuthayatha uluhlu. Kodwa kuthekani ngawe? Uphuma ntoni kwintengiso emfutshane?

• Gcina isithunzi esithile ngokukwazi ukuba uthengise ikhaya lakho.
• Awuyi kuba neentlanzi zentlalo yegama elithi "F": ukuchithwa.
• Akukho ntlawulo yokuthenga imali, ngaphandle kokuba ukhetha ukwenza.
• Unokuhlangabezana nabanini abatsha.
• Uya kulungeleka, phantsi kwesikhokelo sikaFannie Mae, ukuthenga elinye ikhaya kwiminyaka emi-2 esikhundleni seminyaka emi-5 ukuya kweyesi-7.
• Ukuba ingxelo yakho yekhredithi ayibonakali ukuhlawula kwexesha eli-60, + phantsi kwesikhokelo sikaFannie Mae, uya kulungele ukuthenga elinye ikhaya ngokukhawuleza.

Imiba yokuThengisa okufutshane

Unokufumana ezinye zeengxaki ezifanayo njengengqungquthela, kodwa zingabonakala zingacinci.

• Ukulindela ibhanki ukuphendula kwisibonelelo kuphazamisekile.

• Ibhanki iya kufuna ukuhlola iirekhodi zomntu ezifana neentlawulo zerhafu, iibhanki zebhanki, i-asethi kunye namatyala, ngaphezu kokucela unobumba obunzima obuvela kuwe.
• Ukuhlawula abathengi kuya kuthetha ukugcina ikhaya lakho kwindawo engenabalali kwiiveki okanye kwiinyanga kude kubekho umnikelo ofunyenweyo kwaye ubeke imoto ngekhaya lakho.
• Akukho sikhokelo sebhanki siya kwamkela isithembiso esifutshane sokuthengisa.
• Ikhredithi ekhohlakeleyo iya kuhlala kwingxelo yakho yemali iminyaka engama-7.

Kwabaninzi abathengisi, nangona kunjalo, ithuba lokuthenga elinye ikhaya kwiminyaka emibini yinjongo efanelekileyo yokwenza intengiso emfutshane. Abanye abathengisi banelungelo lokuthenga kwakhona phantsi kweemeko ezithile. Ukuziphatha kakuhle kwekhredithi kunokunciphisa ityala elibi emva kweminyaka emibini, nangona ihlazo liya kuhlala.

_{Ngelo xesha lokubhala, u-Elizabeth Weintraub, uBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.}