Kutheni i-Bhanki ifuna i-Afidavithi ende yeArmed's-Length Sale?
Umfundi uthi: "Sisesimweni esibi kakhulu. Umyeni wam ulahlekelwe ngumsebenzi wonyaka ozayo, kwaye indlu yethu ayifanelekanga nantoni na into esiyihlawulele yona. Ibhanki yashiya isicelo sethu sokulungiswa kwemboleko , ngoko Akukho nto yokukhetha kodwa ukuthengisa okufutshane . Xa ndixelele umama ukuba siza kuthengisa indlu, wanikela ukuzithengela kuthi kwaye sivumele ukuba sibuyele, ngoko ke asiyi kuhamba. usithumelele i-affidavit yobude-yesibonakaliso ukuza, kwaye kubonakala ngathi abayikuvumela ukuba sithengise kumama wam andiyiqondi nayiphi na le nto.
Ndiyayiqonda ingxaki yakho kunye nokudideka malunga ne-affidavit yobude benkalo kwaye wazi isandla sokuqala indlela enokuthengiswa kwenkqubo emfutshane ngayo kwaye ndibaphatha ngayo imveliso emfutshane e-Sacramento. Ininzi yabathengisi abafutshane bathengisa ukuba baqale bazama ukwenza utshintsho lwemali mboleko kwaye bafunyanwa ngamabhanki abo. AWUKHO wedwa. Kunjengokuba iibhanki zifuna ukulahla i-inventory yazo kwaye zenze zonke izinto zisuke kwiincwadi kunokunceda umninikhaya ahlale ekhaya.
Ingxelo efungelweyo yenkalo ngokuyinhloko ukuqinisekisa ukuba ibhanki apho amaqela angazi, akukho buhlobo obukhona ngaphambili phakathi komdayisi kunye nomthengi.
Isizathu sokuba ucelwa ukuba usayine i-affidavit yobude-yinto yokuba amabhanki azama ukumisa ukukhwabanisa kwempahla . Xa abantu bangena enkingeni yezemali, iingqungquthela zingaphukisa ukuxakeka kweekhilomitha. Ezi thugs zihamba ziphuma emigodini kwaye zibonakala zihlala zipheka iiskimu ezisebenzisayo ngalabo abaninikhaya abajongene nokuchithwa .
Anditsho ukuba iinjongo zakho azihlonitshwayo, kodwa ngenxa yokuba ziyingxenye kwimpahla emfutshane yokuthengiswa kunye neendleko ezixhamliweyo zokuthengisa iifutshane, iibhanki ziye zaqhekeka.
Ziziphi izizathu ze-Afidavithi yobude beArmed for Sale Short?
I-affidavit ende ye-arm-length ngumqulu owenziwe yibhanki elifutshane lokuthengisa ngenzame yokuthintela abathengisi ukuba bathengise kwisihlobo kwaye banqande ukukhwabanisa imali .
Isizathu sokuba ibhanki ayifuni ukuba umthengisi adlulisele isihloko kwisihlobo esithengiswayo esifutshane kukuba abathengisi abanako ukuzuza kwixabiso elifutshane .
Ngamanye amaxesha abathengisi benza izivumelwano zecala kunye nezihlobo okanye abahlobo ukuba benze njengomthengi wendwangu. Emva koko, emva kokuba umthengi uvale, abo bazenza abathengi batshintshe ngokukhawuleza isihloko kumthengisi. Lo mkhuba, ochaphazelayo, uthetha ukuba abathengisi bahlengile ikhaya labo mhlawumbi ixabiso, elinceda kakhulu abo bathengisi. Kodwa ibhanki yenza imithetho, kwaye amabhanki athi abathengisi abanakuzuza. Ukuba babengafuni ukuba abathengisi bazuze, babeyavuma ukulungiswa kwemboleko.
I-Affidavit-Length-Affidavit Inokuphi?
Uninzi lweebhanki zenza iifidavithi zabo zengalo. Iimpawu eziqhelekileyo ayinakuthengiswa. Ngaphezulu, ulwimi luyahluka kwi-afidavithi enye kwenye. Oku kulandelayo ngamanqaku aqulethwe kwi-afidavithi yobude engundoqo:
- I-affidavit yobude bendawo ichaza idilesi yepropati, igama labathengisi, abathengi, kunye nee-agent, kunye neyona nto yintengiselwano yokugcina ingalo.
- Akukho nxaxheba kwiikontraki ezithengiswayo zincinci ilungu lentsapho, umhlobo webhishini okanye umntu onomdla kunye nomthengisi.
- Akukho migaqo efihliweyo okanye izivumelwano ezikhethekileyo phakathi kwabathengi, abathengisi kunye / okanye abameli.
- Xa ukuthengiswa kuvaliwe, abathengisi abayi kuphinda bahlawule ikhaya okanye babuyiselwe kuyo, ngaphandle kokuba ibhanki ivumela.
- Akukho namnye amaqela aya kufumana nayiphi na intlawulo ngaphandle kwekhomishini ehlawulwayo.
Ukuba ubhalisa i-afidavithi yesigxina se-intanethi ngokuthengisa kwakho okufutshane uze uyiphule, unokubanjwa uxanduva lokukhwabanisa. Ukukhwabanisa kwamatyala kuwela phantsi kwegunya le-FBI Ngaphezu koko, ukuba umntu uthetha ukuba kulungile ukuthengisa kwisihlobo, qiniseka ukuba ucacisa ubuhlobo bakho nomthengi kwibhanki ngaphambi kokuvala . Andizi naziphi na iibhanki eziza kukuvumela ukuba wenze.
Ndiyakuqonda ukuba oku akuzwakala kakuhle, kodwa ke iibhanki zenze isigqibo sokuba ziphathe njani. Ndiyathemba ukuba unokufumana umthengi-long-length ngaphambi kokuba ikhaya lakho lingene kwi-foreclosure.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.