Unokuzibuza ukuba oko kwenzeka njani? Incwadi yebhanki ingabhalela njani incwadi ebhalwe phambili yokuba ngamanqina amaninzi? Kulula kakhulu. Ababandakanyi ezithile zeengcaciso ezithile kwileta ngokwayo kwaye benze ezo zinto zingekho.
Ngaphezu koko, akuzona zonke iincwadi zokuqinisekisa kwangaphambili. Kukho umahluko phakathi kweleta yokuqala, eyaziwa njenge-prequal, kunye neleta yokuqala.
Ukwahlukana phakathi koPhambili kunye neNcwadi yokuQala ukuQinisekisa
I-prequal, ngokuqhelekileyo uhlobo lwamaxwebhu angaphambili okuvunyelwa ukuba umthengi wemboleko angayikhupha, khankanya la manqaku alandelayo:
Ileta yokuQinisekisa:
- Umboleki ufaka isicelo semboleko.
- Ingxelo yekhredithi ihlolwe.
- Ngokusekelwe kwenkcazelo enikezelwayo, umboleki uyafaneleka ukuthenga ikhaya kwixabiso elinqunywe ngaphambili.
Incwadi yokuQala
- Umboleki uzalise isicelo somboleko.
- Amanqaku okuthenga ngetyala atyunjwa kwaye anele.
- Ingqesho iqinisekisiwe.
- Ababolekisi bangenise amaxwebhu axhasayo afana neentlawulo zerhafu kunye neengxelo zebhanki.
- Umboleki uvunyiwe kuqala ukuthenga ikhaya kwixabiso elinqunywe ngaphambili, elinde ukuhlolwa kweprojekthi kunye nomgaqo-ntloko .
Uyabona ukuba incwadi yepropprovenation yeyona nto inokubangela ubunzima obuninzi. Kodwa, nayo, iphantsi kokubhaliswa kokugqibela kwaye ayikho isiqinisekiso. Kuzimeleyo kwaye kuxhotyiswe kumaxwebhu amaninzi kwaye uhlolisiso.
Kutheni ibhanki elifutshane elithengayo liya kucela ukuQongwa kwangaphambili
Ibhanki yentengiso emfutshane, ngaphambi kokuvuma ukuthengisa okufutshane, inomsebenzi omude wokuhamba.
Ibhanki iya kuqesha i-Agent ye- BPO ukuvavanya ixabiso lepropati. Kuya kubelwa intetho. Kungathabatha iiveki okanye iinyanga ukufikelela kwisigqibo malunga nokuthengisa okufutshane.
Nazi ezinye iinkcukacha malunga nokuthengisa okufutshane ukuqwalasela:
- Ukuthengiswa okufutshane kuyilungelo - akulona lungelo linye iqela.
- Ibhanki inomtshini omncinci wokuvumela ukuthengisa okufutshane.
Umthengisi kunye nepropati ngokuqhelekileyo kufuneka badinga ukuthengiswa okufutshane , umbolekayo kufuneka afaneleke ukuthenga ikhaya. Ibhanki ejongene nesicelo sokuthengiswa okufutshane sifuna ubungqina obucacileyo bokuthi umthengi uyakwazi kwaye ufanelekile ukuvala.
Inyaniso emva kokusebenza kwintengiso emfutshane kweeveki, mhlawumbi iinyanga, kukudumala kunye nokuchitha ixesha xa ibhanki ifumanisa ekugqibeleni ukuba abathengi abanako ukuvala. Xa ihla waya kumnxeba ize ibhalwe phantsi, ngamanye amaxesha umboleko womthengi uya kuvutha. Ezinye zezinto ezibangela ukuba umthengi anqatshelwe ziyakulungiswa okanye ziphawulwe ekuqaleni kodwa zazingekho.
Kungenxa yokuba akukho miselo ngokwaneleyo ekukhutshweni kweencwadi zokubhengezwa kwangaphambili, kwaye akukho wonke umboleki osebenzisa iinkqubo eziqhelekileyo. Ngokomzekelo, umlinganiselo we-FICO we-720 ufunwa ngokuqhelekileyo njengobuncinci kwimboleko eqhelekileyo.
Kodwa ababoleki abakhulu abenza iimali-mboleko eziqhelekileyo bahlala benqwenela ubuncinane be-FICO ubuncinane be-740 ukuba banike umyinge onomdla kumdlaleki.
Ukuba umntu obolekayo ukholelwa ukuba umboleki uya kunika ixabiso elifanelekileyo kwi-FICO ye-720, kukho umbane onokubangela ukuba umthengi akhansele okanye umbolekisi angathatyathwa. Ibhanki elifutshane elithengiswayo lifuna nje ukutshekisha ulwazi ngokwalo kwaye lenze isigqibo sokuba ingaba umthengi ufaneleke ngokupheleleyo.
Inxamnye nemigaqo ye-RESPA ebhanki ukuba ifune ukuba umntu obolekayo athathe imali mboleko kwibhanki. Nangona kunjalo, iyakwamkeleka ngokupheleleyo ukuba ibhanki ifune i-preprovval letter evela kwibhankini yayo ngaphambi kokuba ivume umbolekekisi ukuthengiswa okufutshane okanye ukuvumela umntu obolekayo ukuba athenge ikhaya lakhe elisebhanki.
Ngamanye amaxesha, ibhanki iya kumvumela umntu obolekayo angenise i-DU (i-desktop underwriting) kwindawo-ye-ileta yokuqala.
Kukulungele ukubuza.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.