Umfundi waseCalifornia uyabuza: "UBydy uthi ibhanki yakhe ihlawulise i-$ 25,000 ukwenza ukuthengiswa okufutshane . Makhe ndikuxelele, ndinokusebenzisa i-$ 25,000. Ufanelekile. Ikhaya lam li malunga nokuba ngaphantsi kwamanzi njengoko beza. Ndingathanda ukuyilahla kwaye ndiphume ngaphandle kweli lizwe elilahliwe nguThixo. Ndingayifumana njani imali ngokuthengisa okufutshane?
Impendulo: Xa ukuthengisa okufutshane kukuqala ukubuyela kwintengiso ekuthengiseni i-estate estate ngo-2005, abaninzi abathengisi babuze ukuba bangayenza njani imali ekuthengiseni okufutshane. Ngokuchasene neenkolelo eziqhelekileyo ukuba abathengisi abanakunceda ekuthengiseni okufutshane , kukho ngokwenene iindlela ezithengiswa ngabathengisi ukwenza ukuthengiswa okufutshane. Akunabo bonke abasemthethweni.
Ukuba unokungabaza ukuba ngaba ukuhlawulwa kwakho kusemthethweni, qiniseka ukuba intlawulo oyifumayo iboniswa kwi-HUD-1 yakho. Uninzi lwabathengi bangena enkingeni ngokuthengisa ngobuqhetseba obufutshane ngokukhohlisa umboleki okanye ukwazisa ulwazi kumboleki. Ngaphandle kokuba imali oyifumeneyo iphawulwe kwi-HUD, ngoko ukhululekile.
Ukufumana iCash ye-HAFA Intengiso emfutshane
Inkqubo yokukhuthaza imali eyaziwayo ngokugqithiseleyo yokuthengiswa okufutshane kukuthengiswa okufutshane kweHAFA . Le nkqubo yurhulumente: I-Home Affordable Foreclosure Alternatives. Inxalenye yePs. I-Obama yokwenza iNkqubo yoHloniphekileyo kwikhaya, ngaphandle kwendlela eyenza ikhaya lakho lifikeleleke kumnye umntu, kungekhona kuwe.
Ukuba umboleki wakho uthatha inxaxheba kwi-HAFA kwaye ufanelekile kwi-HAFA, ngoko unako ukufumana u-$ 3,000 ekuvaleni. Ndiyakrokra ukuba iibhanki ezininzi zakha i-$ 3,000 yokukhwela kwintengo yokuthengisa, ngoko umthengi uhlawula imali encinci ekhaya, ukuba abeke imali engaphezulu kwipokethi yomdayisi.
Ndiyazi oku ngenxa yokuba ndandifumana imvume kwiBhanki yaseMelika ukuthengiswa okufutshane ukuba bekufuneka ukuba yi-HAFA kwaye iqhutywe ngephutha njengentengiso emfutshane rhoqo.
Ndabona ukuba ukunyuswa kokufuduka kwakungekho kwinqanaba lomsebenzi, kwaye akuzange kubhekisele kwinkqubo yeHAFA. Xa ekugqibeleni samukelwa imvume yeHAFA, intengo yokuthengisa yayingama-3,000 ephezulu. Ngoko ke, abathengi be-HAFA ukuthengiswa okufutshane, qaphela, unokuhlawula imali yokuthutha umthengisi.
Imithetho yeFennie Mae HAFA ukuthengiswa okufutshane kuyahluka. Kodwa u- Fannie Mae HAFA ukuthengiswa okufutshane , ukubonelela oko kwenza ukuba kuthengiswe okufutshane kunye nokubetha ixesha elide lokugqibela , uhlawule ukuya kuma-3,000 ukuya kumthengisi.
Kwakhona kunokwenzeka ukuba ufumane i-$ 3,000 ngo- Freddie Mac HAFA ukuthengiswa okufutshane , kodwa olu hlobo lokuthengiswa okufutshane kufuna ukuba kufakwe kwangaphambili. Awukwazi ukuhambisa isipho kwibhanki ngaphambi kokuvunyelwa kukaFreddie Mac HAFA ukuthengiswa okufutshane.
Indlela yokufumana iCash ye-FHA Sale Sale
Ukuba umboleko wakho ngumboleko we- FHA , unokufumana ilungelo lokuthengisa okufutshane . I-FHA ivenkile yokuthengisa iyaziwa njenge- preforeclosure yentengiso , kwaye iyakuthi iphinda iqinisekiswe yi-HUD. Ibhanki iya kuhlaziya ikhaya lakho kwaye iyavuma ukwenza ukuthengiswa okufutshane kukubonelela ngesibonelelo esithintela i-HUD ubuncinane be-88% yexabiso elichongiweyo.
Inkuthazo yemali ehlawulwa kumthengisi iyahluka kwaye iyaxhomekeka kulolu hlobo lwemboleko , imeko yemali yomthengisi kunye nezikhokelo ezihambelana nepotfolio, phakathi kwezinye izinto ezingaziwa.
Ndibone izibonelelo zentengo ehlawulwa kubadayisi abavela kwi-$ 750 ukuya kwii-1,000 zamawaka, kodwa akuthethi ukuba umthengisi akanako ukufumana ngaphezulu. Vumelani ukushiya ikhaya elihle kwaye uvale ngexesha zezi zimbini iimfuno eziphambili.
Chase iBhanki yelizwe Iingxowa-mali zokuThuthukiswa kweeNkxaso zeMveliso ezimfutshane
Kuya kubonakala ukuba i-Chase iBhanki ihlawula imali yokuvuselela imali ye-Old Mutual loan. Kukho inkolelo yokuba iintlawulo zenziwa ngenxa yecala lokulwa neWashington Mutual kodwa andizange ndibize iBhanse iChese ukuba iqinisekise iindlebe. Kungenxa yokuba andingakholelwa ukuba isithethi sikaJP Morgan Chase siya kuqinisekisa okanye sikhanyele eli gama.
Iintlawulo zokuhlawula abathengi beBhanki ukusuka kwiiwaka ezimbalwa ukuya kwii-25,000 ukuya kwii-35,000 zama-$ kwaye mhlawumbi ngaphezulu kuba kungekho ndlela ekhoyo yokulandelela le datha. Ukuba imali yakho yasekuqaleni yayinayo iWashington Mutual , unobunzima bezezimali kwaye uphelelwe phantsi, ngokuqinisekileyo kuyafaneleka ukuba ufake isicelo sokuthengisa okufutshane ekuthembiseni ukufumana inzuzo yemali.
IWachovia Bank Izwe Iintengiso Ukugqiba Ukuthengiswa Okufutshane
Ukuba umboleko wakho ngumboleko weBhanki yeWachovia okanye i-Golden West yezeMali okanye iNgcaciso yeMhlaba, ungumgqatswa wokuqala ukufumana inzuzo yemali. Nangona iWachovia Bank ngoku ilawulwa yi-Wells Fargo Bank, iyaqhubeka nokuhlawula abathengisi ngokuthengisa okufutshane, ukubonelela ngeendlela ezithile. Ngokomzekelo, kwi- Wachovia ukuthengiswa okufutshane , ibhanki inokugxininisa ukuba umthengisi uvale ngomhla wesivumelwano ukuba athole ibhonasi yekheshi, ephuma kwi-$ 1,000 ukuya kuma-7 500.
I-Litton Imali-mboleko yokuSebenza kweMhlaba Khetha i-Incentive yeSeller for Sales Short
I-Litton Loan Servicing ithatha indlela esebenzayo. ULitton uthumele iileta kubathengi abaza kuba bathengisa ukuthengisa okufutshane, banikezele inkuthazo kwileta. Le ntlawulo yekheshi iyahluka kwaye ingaba yi-$ 5,000, kodwa abathengisi kufuneka bakuthobele kwaye balandele zonke izikhokelo ezichazwe kwileta.
I-Citimortgage Inika Imbuyekezo Yentengiso kwiZintengiso ezifutshane
Iingxelo zithengiswa kwiSan Diego iingxelo ezingama-35 000 ngeCitimortgage ukwenza ukuthengiswa okufutshane. Oku akusiyo imeko apho umthengisi wayecinga ngayo ngentengiso emfutshane. UCiti uqhagamshelana nomthengisi ngokuthe ngqo ngeposi. Ukuba ubona ileta evela kwiCitimortgage kwibhokisi yakho yeposi, ungayilahli.
IBhanki yaseMelika iRhumele iNkqubo yokuThengiswa kweMfutshane eSebenziseneyo ehlawula abathengisi
IBhanki yaseMelika nayo ifuna ukucoca i-inventory yayo yamakhaya angaphantsi kwamanzi. Kuzo zonke iibhanki ezivumela ukuthengisa okufutshane, iBhanki yaseMelika yenye yezona zinto zilungele ukuphumeza iinkqubo ezintsha. I- Bhanki yaseMelika Yobambiswano olufutshane Iintengiso zihlawula abathengisi ukuya kwii-2 500 zamawaka ukwenza ukuthengiswa okufutshane kwaye, kwiimeko ezininzi, kufuneke kuphela itekisi yobunzima bezimali.
Iimali eziKhutshwe ngokuKhutshwa kweMali eFutshane yabaseCalifornia
I-California TAP (inkqubo yenkxaso yokutshintsha) ihlawula abahlali baseCalifornia ukuya kwii-5,000 zamawaka ukwenza ukuthengiswa okufutshane. Ukuze ufaneleke, umthengisi kufuneka ahlangane nemingcele yembuyekezo kunye nomboleki-ntengiso kumthengisi kufuneka athathe inxaxheba kwinkqubo ye-TAP. Inxalenye ye-Keep Your Home California Programme, engenalo nto ngokugcina ikhaya lakho.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.