Iibhanki zinganqwenela njani ukuvuma ukuthengiswa okufutshane
Ngamanye amaxesha amabhanki aya kwenza iimfuno ezingenangqiqo ngokuthengisa okufutshane. Bavame ukwenza izicelo ezingakholelwayo ukuba bavume ukuthengisa okufutshane ngokusekelwe kwiimfuno zabo.
Ezi zifunwa azihlali ziqikelela.
Kuya kuba kuhle ukuba ibhanki yayiza kubeka phezu komgca kwaye ithi ayifuni ukwenza ukuthengisa okufutshane, kodwa kuya kwenzeka xa ihagu zihamba. Iibhanki zivakalelwa kukuba abahlawulanga nabani na inkcazelo. Nazi ezinye zeendlela ebhanki okanye abatyali-mali bayo abanokuchitha intsha ukuthengisa okufutshane:
- Ukufuna intengo ephakamileyo yokuthengisa kune-appraisal iya kudibana nayo.
Ezinye iimbosa zikholelwa ngokugqithiseleyo ukuba iibhanki zibudenge kunye / okanye i-agent ye- BPO ayinakho. Kodwa kungenxa yokuba iinjenge zikholelwa ukuba iibhanki zikhathalele nge-BPO, kwaye iibhanki zixelela inyaniso. Umthengisi webhanki unokuthi iBPO ifike kwi $ 200,000 xa i-BPO iphakanyise intengo yokuthengisa eyi-180,000. Nangona kunjalo, intengo yokuthengisa yee-180,000 zamaRandi ingenakukufihla ukulahlekelwa kootyalo-mali ngendlela efanayo ukuba i-foreclosure iya kuyenza. - Ibhanki okanye abatyali-mali bayo banokufuna ukuba umthengisi ahlale kuloo propati.
Kubekho icandelwana kwi- PSA ethi izakhiwo ezigcinwe ngumnini kuphela ziya kuvunywa ukuthengiswa okufutshane. Umthengisi webhanki unokufuna ukuba umthengisi abuyele ekhaya, nangona umthengisi ehamba kulo lonke ilizwe ukuba athathe umsebenzi omtsha. Umthunywa-mthengisi unokumrhaxela ukuba umthengisi akayi kubuya, ngoko umthengisi akafanele anqabe ukuthengisa okufutshane-umthengisi uya kukwenza ngokungafuni ukuhamba.
- Ibhanki inokufuna umnini mthengisi umthengi akakwazi ukuhlawula.
Akuqhelekanga kwibhanki ukuba icele umthengisi ngemali eyongezelelweyo, ngasentla nangaphezulu kwexabiso lokuthengisa . Ngokuqhelekileyo, ibhanki ayiyi kuvumela i- agent yezindlu zangaphandle okanye umthengi ukuba ahlawule lelo galelo, elingaba likhulu. Kwiimeko ezininzi, iibhanki zifuna imali kuphela kumthengisi, ngokungathi ngandlela-thile isijeziso. Ukuba umdayisi akanalo okanye akanako ukuboleka, ibhanki ayiyi kuvuma ukuthengisa okufutshane.
Kutheni iibhanki zivuma ukuthengisa okufutshane
Amabhanki akwenza ishishini lokwenza imali. Amabhanki ngamanye amaxesha angenza imali ethe xaxa kwi- foreclosure kunokuthengisa okufutshane. Kodwa kaninzi kunokuba kunjalo, iibhanki zifuna ukunciphisa ilahleko, kwaye ziya kuqwalasela ukuthengiswa okufutshane phantsi kwezi zilandelayo:
- Umthengisi unikezela ubunzima obubhalweyo.
Nangona ama-bhanki ngamanye amaxesha ayamkela ukuthengiswa okufutshane kwintengiso , ininzi imveliso yokuthengisa ivunyiwe ngokusekelwe kubunzima bemali abathengisi kunye neemeko ezingaphaya kolawulo lwabathengisi. Ungalindelanga ukuhamba kunye nokuthengiswa okufutshane okuvunyelweyo kwaye akukho nxaxheba xa unayo impahla kunye neholo engenayo. - Umthengisi uye wamkela isipho esithengiweyo esivela kumthengi ofanelekileyo.
Intengo yokuthengisa kufuneka ibe kufuphi nokuthengisa okuthelekiswayo . Ngamanye amaxesha ibhanki iya kumelana nesibonelelo somthengi ukuze sibone ukuba umthengi uya kuhlawula ngaphezulu, kodwa ekugqibeleni, umthengi womthengi usafuna ukulinganisa ikhaya ngelixabiso elivunyelweneyo. Ngaphambi kokuvuma ukuthengisa okufutshane , ibhanki ingafuna ukubona ubungqina bemali kunye / okanye ileta yokumenywa kwangaphambili , ukuba umthengi ufumana inkxaso-mali.
Uninzi lwazo zonke, ukuthengiselana kufuneka kuqikelele kwibhanki elifutshane lokuthengisa. Kalula nje ukuba ixabiso lekhaya liyekile ukwenzela isizathu sokuba ibhanki ivume ukuthengiswa okufutshane kwaye vumela abathengisi ukuba bayeke ikhonkco.