Uvavanyo lukaRhulumente lokuLula ukuVala. . .
Ukuba i-HUD-1 yayingekho nzima ngaphambili, kubi ngakumbi emva kokuba imigaqo ye-TRID ilahlekile i-HUDs ngokuphathelele ukuvala iingxelo kunye nendlela iikhredithi zokuthengisa zivela ngayo. Abagcini kuphela abathengi basekhaya abangayiqondi iingxelo zokuvala ngamakhredithi, nabasebenzi bebhanki, nabo banomzabalazo. Ngokukodwa iibhanki ezithengiswayo ezincinane ezifuna ukuvuma isitatimende sokuvala. Le fomu iyanqunyulwa kwaye inzima kukuba abaninzi abaphathi be-escrow baye bazithathela bona banikezele iphepha lokusebenzela, ngoko ke onke amaqela kwindawo yokuthengiswa kwezindlu angakwazi ukuqonda oko kwenzekayo.
Le nkqubela?
Ingxaki ngeCredits Credits kuMthengi ekuValweni
Ingxaki iqaliswe ngokuhlaziywa koBulungiseleli boBulungiseleli boBulungisa . Yenyuke kwi-HUD. I-RESPA inqume ukuba ukuba umrhumo uboniswa kwi-Faith Faith Estimate kodwa uhlawulelwa ngumthengisi, ngoko kufuneka ubonakaliswe kwi-HUD. Ukwenza ukulinganisela kwe-HUD, ukuba umrhumo uboniswa njengetyala kodwa akuyona i-credit, ngoko ke kufuneka ukuba iboniswe njenge-debit, eyenza uhlambe. Emva koko i-HUD yahamba, yatshintshwa ngxelo yokuvala.
Ngaba wenza ukuba uzibuze ukuba kutheni ukubonisa konke? Ngoba? Ngenxa yokuba iNgxowa-mali. Ndiyazi, yenza ukuba ufuna ukukhupha izinwele zakho. Imimiselo kaRhulumente iya kwenza oko kuwe.
Yiyiphi Intengo yokuThengisa kuMthengi ongeyitalato?
Masiqale ngesiseko sokuthi iikhredithi ziboniswa ngokubanzi njengenombolo yokudibanisa kunye neenkokhelo zingenombolo encinci. Ukuba ungeze i-$ 100 uze ususe i-$ 100 yakho.
Okwesibini, kwiindawo ezininzi zelizwe, iimali ezithile zokuvala iindleko zihlawulelwa ngumthengisi.
Kuqhelekileyo kwiindawo ezithile ukuhlukanisa le ntlawulo. Ingxaki ivela xa kuwumkhuba wendawo ukuba umthengisi ahlawule intlawulo ethile kodwa loo ntlawulo ibhaliwe kwi-Estimated Loan Estimate. Imizekelo yalezo iintlobo zemirhumo:
- Incwadi yomnini-nshuwalense yomnini-ntanethi, owaziwa ngokuba yi-CLTA / ALTA Policy Owner's Policy.
- Imali yokuhlala, eyaziwa ngokuba yi-Escrow fee
- Intlawulo yokuTshintshwa kweNqila, eyaziwa ngokuba yiRhafu yokuThumela iRhafu
Imirhumo engentla, ukuba iboniswe kwisivumelwano somthengi njengomrhumo ohlawulelwa umthengisi, iya kubonakaliswa kwisitatimenti sokuvala njengetyala kumthengisi kumthengi. Ngenxa yokuba le mirhumo ayiyona inkokhelo kumthengi evela kumthengisi, ngoko ke iboniswa njengomdaleko kumthengi, owenza ukuba aphume.
Kodwa o, ngaba le nqubo ibangela wonke umntu, ukusuka kuJoe Blow umthengi kumakhaya kubasebenzi bebhanki, ukuba acacise i-eyeballs zabo. Bakhathazekile. Kwaye asikwazi ukukulungisa ngaphandle kokuba urhulumente alungise. Ukuba urhulumente uzama ukulungisa oku, ndinesidima somoya esiya kuba sibi kakhulu. Ngoko, kubonakala ngathi le yiCatch 22.
Ngenxa yoko, ndiyathemba ukuba le nkcazo ecacileyo yenkxalabo ekuthiwa yithengi kumthengi kwisitatimende sokuvala kuya kubangela umntu omncinane ukuba aphinde adibanise iintloko zawo ngasemva emnyango - kuphela kuba uvakalelwa lungile xa uyeka.
Kutheni i-Credits Credits kwi-HUD Ingxaki yeengxaki zeeBhanki ezithengiweyo ezimfutshane
Iibhanki zentengiso ezimfutshane zikhokelo ezibekwe ngabatyalo-mali. Ezi zikhokelo zichaza indlela ibhanki inokusingatha ngayo imvume yokuhlawulwa kwemali kwi- intengiso emfutshane . Ezinye izikhokelo ziyakwenqabela iikhredithi kumthengi, kwaye ezinye izikhokelo zinomda kwipesenti ehlawulwe kumthengi.
Xa umthengisi ongaqhelekanga ngesitatimende sokuvala ubona i-credit echazwe kumthengi, ngokuqhelekileyo lo mntu uya kufuna ukuba imali isuswe. Kunzima ukufumana abantu ukuba baqonde ukuba umrhumo sele usususwe njengedali. Bayakwazi ukubona oku kumnyama nomhlophe, ngokufanelekileyo phambi kobuso babo, kodwa alubhalisi phezulu. Bayazi kuphela ukuba umdayisi akakwazi ukunika umthengi ityala.
Igosa lesigxina okanye i-ejenti yokuvala ayivunyelwe ukutshintsha isitatimenti sokuvala. Imirhumo kufuneka iboniswe njengoko kumiselwe ngumthetho wesigqeba. Imirhumo ayikwazi ukugubungeleka ngokukhawuleza ukuba ihambisane ne-whim ye-negotiator short.
Ndiyakuthumela iinqununu kwi-link ye-RESPA echaza imithetho kodwa abaninzi abayiqondi. Ngoko, ukuba ungomnye walabo bantu, ungazivumi ngokungazi. Abantu abaninzi banokudideka kunye neenqanawa ezifana nawe.
Ndifuna ukuthetha: mhlawumbi iya kucola, kodwa ndiyinyanisekileyo. Ngenxa yokuba inyaniso yile ntlawulo ayikho ityala kumthengi.
Ukuba udidekile emva kokuphonononga yonke le ngcaciso, ingaba yinto efanelekileyo yokuqwalasela omnye umgca womsebenzi.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.