Khumbula ukugibela emotweni njengengane kunye nokugxeka abazali bakho: Ngaba silapha? Ngaba silapha? Ukuba wenza, ngoko uya kuziva unzima kakhulu ukulinda imvume yokuthengisa emfutshane kuba kuya kwenzeka ukuba kuthathe ixesha elide kunokuba ulindele. Ukuba uqhuba i-yoga okanye ungena kwi-Zen yokumelana nomonde, izinto ziya kuba lula kuwe, kodwa abaninzi abathengi banenkqinkqo enzima ukulinda inkqubo yokuvunywa.
AWUKHO wedwa.
Umfundi uyabuza: "Ndathumela isipho kwisithuba esifutshane malunga neenyanga ezi-5 ezedlulileyo, kwaye asizange sikuve nantoni na kwi-arhente yohlulo kungekudala. I-arhente yam idlala rhoqo ngeveki ukuba ifumene ukuba ibhanki yamkele isipho sethu. I-arhente yohlu aluyibizi kwakhona. Asiyazi ukuba zingaphi izibonelelo ebhankini zijonge okanye nokuba isibonelelo sethu sihamba phambili.
Impendulo: Abathengi abancinci belizwe lonke bacula i-blues kunye nawe. Zonke iintengiso ezimfutshane zihlukileyo kwaye kuxhomekeka kuninzi kumbolekisi njengoko kwenzayo kwi -arhente yohlu . Abanye abameli bezahlulo baxubusha iingxoxo zabo ezithengisayo kwintengiso yesithathu, oku kudla ukulibazisa impendulo.
Qalisa ukuthengiswa kwakho okufutshane ngaphambi kokubhala umnikelo
Ngaphambi kokuba unqume ukuthenga ikhaya elincinci lokuthengisa , cela i-arhente yakho ukuba wenze umgangatho omncinci kuqala. Ezinye zezinto onokuthi igosa lakho lenze ntoni:
- Hlola ukuthengiswa okuthelekiswayo
Iibhanki ezininzi ziya kuphuhlisa ixabiso elincinci kwixabiso lemarike, kodwa ukufumana ukwamkelwa, ukunikezelwa kufuneka kuqikelele kwaye kufutshane nokuthengisa okuthelekiswayo .
- Khangela Ingxelo Yomkhondo Yomgcini WeeNcwadi ezimfutshane
Ukuba i- arhente yoluhlu olutshishino olufutshane luneenkcukacha ezimbalwa zeentengiso ezincinci kwaye unamava amaninzi okuvale ukuthengiswa okufutshane, amathuba akho wokumkela ukunikezelwa angase abe mncinane.
- Buza ukuba Zininzi izipho ezithengisayo ezimfutshane eziye zithunyelwa kuMthengisi
Nangona i-arhente yokurhweba inokungafuni ukutyhila amaxabiso enikezelo, i-agent kufuneka ivumele i-agent yakho ukuba wazi ukuba zininzi izibonelelo ezithe zafunyanwa. Ukuba kukho ukuthengiswa okufutshane okufutshane , unokufuna ukunikela ngaphezu kwexabiso lentengo.
- Fumana ukuba i-Package eFutshane yokuThengisa abathengisi ipheleleyo
Abathengiselwano bebhanki abayi kuqhuba iifayile ukuba umthengisi omfutshane wokuthengiswa kwephakheji akaphelelanga. Le fayili iya kwinqanaba lebhodi ukuba ilahlekile iphepha elifunekayo kwibhanki.
Zingaphi Iimali ezikhuselekile kwiPropati?
Ngaphezu komboleki omnye kunokuthetha ukuba ifayile izakuthatha ixesha elide ukuvala. Abanye ababolekisi abancinci bafuna amanqaku angakhuseliyo athengisayo avela kumthengisi okanye imali engaphezulu kuneqhelekileyo evela kumthengisi wokuqala. Kwakhona, abanye ababolekisi baya kuqwalasela kuphela isibonelelo sokuqala. Ukuba awusona isibonelelo sokuqala, ukunikezelwa kwakho kungawela ngasendleleni.
Kuthatha ixesha elide ukuthengisa okufutshane?
Lo ngumbuzo wezigidigidi. Ndivalile ukuthengisa okufutshane kwiiveki ezi-6 ukususela mhla ndibhalile ipropati ukuya ngomhla ovalwe ngawo. Abanye bangathatha iintsuku ezingama-30. Kodwa ezininzi ziya kuba ziinyanga ezi-3 ukuya kwezi-4. Ezinye iintengiso zeBhanki zaseMelika zithengiswa , zikholelwa okanye zingekho, zifumane imvume kwimini engaphantsi kweentsuku ezingama-30. I-Wachovia yokuthengisa emfutshane idla ngezinye iinguqu ezingama-24.
Abanye ababolekisi batyhutyhile ngokuthumela okufutshane ukuba abasebenzi babo abakwazi ukuphendula ngexesha elifanelekileyo. Into ewathatha iinyanga ezimbini inokuthatha kalula iinyanga ezine, kwaye akukho babini ababolekisi bafana. Ukuba umboleki-mboleko wayephendule entwasahlobo, akuthethi ukuba ixesha lokuphendula ngexesha lokuwa liza kukhanya.
Inkqubo yokuthengisa emfutshane, ukususela ekuhambisweni kwemvume emfutshane , ngokuqhelekileyo lulandelayo:
- Ukungeniswa kokunikezelwa kunye nokugqiba iphakheji elifutshane lokuthengisa kumthengisi.
- Ibhanki iyavuma ukufumana - iintsuku ezili-10 ukuya kwi-30.
- Ibhanki iyalela iBPO okanye i-appraisal - iiiveki ezimbini ukuya kwiinyanga ezi-2.
- Ifayile ihlaziywa - iintsuku ezi-2 ukuya kwi-10 zoshishino.
- Umthunywa-mthengisi unikezelwe - iintsuku ezi-2 ukuya kwi-10 zoshishino.
- Umqhubi weNqanaba II angabelwa - iintsuku ezili-10 zoshishino.
- Ifayile ivunyiwe okanye iyanqatshwa - iintsuku ezingama-30 ukuya kwi-120, kuxhomekeke kumtyalo-mali.
Ezinye iimveliso ezimfutshane zidinga amanqanaba angaphezulu okuvunywa.
Ukuba umtyalomali uyinkampani karhulumente, loo yedwa unako ukongeza iiveki ezimbalwa kwiprogram yokuvunyelwa kwentengiso emfutshane. Ngokufanayo ukuba umbolekisi uneminshuwalense yokubolekwa ngemali, engenakongezwa ngumboleki.
Ukuba usuqhuba iintsuku ezili-120 ezedlulileyo, kungenzeka ukuba i-arhente yohlu okanye umcebisi-ntetho wesithathu ayingekho kwibhola kwaye uyalahla ngokubiza i-bhanki. Ukubiza iibhanki kuthetha ukulinda ukubamba indawo ukusuka kwiimitha ezili-10 ukuya kwiyure okanye ngaphezulu.
Okanye, ixesha elide elithengiswayo lithetha ukuba ibhanki ineengxaki zangaphakathi, abangekho abasebenzi abaneleyo okanye ilahlekile iifayile zihlandlo ezimbalwa, ekhuthaza ukuba i-agent yezohlomelo ibuyisele ipakethe ngokuphindaphindiweyo. Ngaloo ndlela uyazi, i-FHA yokuthengisa emfutshane, ithetha ukuba ezo nge-HUD, ziquka ukulibaziseka ixesha elide.
Kwakhona kunokuthetha ukuba ukuhlolwa kwee-appraisal kuphakamileyo kakhulu kunokwenza kwakho, kwaye i-arhente yohlulo yakha ityala kwesohlisi esitsha. Nangona, ndiyakuthetha ukuba amashishini ambalwa athengisayo athatha iiveki ezi-6 ukuya kwezi-8 ukuvuma, ngokubanzi sicela umthengi ukuba alungiselele ukulinda iintsuku ezingama-90.
Ngelishwa, awukwazi ukuhlala uphephe iingxaki ngokuthengisa okufutshane. Ukunyamezela kubalulekile. Ngokuqinisekileyo uya kuba nokufumana imvume yokuthengisa emfutshane. Enye yezinto ezinzima kunabo bonke abathengi ukuyiqonda isongela ibhanki ngokuchithwa akuthethi nto kwibhanki. Ibhanki.does.not.care. Ibhanki ayikhathalele ngemeko yepropati, indawo yayo, ukulungiswa okufunayo, okanye nayiphi na into ephuthumayo echaphazela umthengi.
Ukubethelwa kwakho kukubambelela kwaye ulinde, kukunikezela ngokwenene ikhaya.
I-TIP: Ngokuqhelekileyo ukuba ubona ikhaya lidakile kwinyanga yeemarike emva kwenyanga njengoko kuthengiswa okufutshane, okuchasene nenkolelo eninzi, AKUSI umboleki ophethe ixabiso lokuthengisa ekhaya. Mhlawumbi umthengi oye waxoshwa, watshintshwa isipho esitsha, kwaye inkqubo yonke iqalile.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia .