Umfundi uthi: "Ndizama ukuthenga indlu yam yokuqala kodwa kwimiba endiyibonayo, onke amakhaya abonakala ngathi athengisa ukuthengisa. I-arhente yam ezama ukuthetha nam ngokungathengi ukuthengisa okufutshane kuba uthi Iibhanki zingathanda ukugqithisa kunokuba zithengise.
Impendulo: Umbuzo wokuba ibhanki yenza imali engakumbi kwi- foreclosure kunokuthengiswa okufutshane kukuxhomekeka kakhulu kwibhanki nganye kunye / okanye abatyali-mali.
Siye sambatha i-market ye-real estate kusukela ngo-2005 leyo yabona izaziso zokuqhaqhazela ezifakwe kwizinga elingakaze libekwe. Kwakumangalisa. Ngaphezu koko, ubuncinane ubuncinane bohlengahlengiso lweemboleko ezenziweyo babuya emva kweemva emva kokuba banikezelwe. Iimakethi yayiyi-mess.
Ukuqhubela phambili ukuxubusha imiba, kwezinye iinjongo ezifana ne-Arizona, iibhanki azikwazi ukuthengisa ipropati ngaphezu kwe-mortgage yayo. Iphondo ngalinye linemimiselo yalo. Ku-California, umzekelo, ukuba umninikhaya uphuma imali yokubolekisa ngemali emva kokuvalela ukuvala kunye nokungafezeki, ukuba umbolekisi omncinci angenelungelo lokuphishekela isahlulelo sokusilela , kungakhathaliseki ukuba ikhaya lithengiswa ngetengiso elifutshane okanye umboleko ukucinywa ngokugqithiswa ngumthengisi wokuqala.
Kutheni iibhanki zikhetha ukuthengiswa okufutshane malunga nokuqwengqa?
Amabhanki aqhutywa njengeshishini kuba ibhizinisi. Baye kwishishini lokwenza inzuzo. Ukuba kukho imali eninzi yokwenza ukukhutshwa kwemvume xa uvuma ukuthengiswa okufutshane, ibhanki inokuthi iyakuthanda ukuthengisa okufutshane.
Ezinye iingcali ziqikelela ukuba ibhanki inokwenene yenza i-20% ukuya kuma-30% ngaphezulu kwintengiso emfutshane malunga nokugqithiswa. Nangona kunjalo, kwezinye iinjongo ezifana neFlorida, kubiza kakhulu ukufakela ukuchithwa kwempahla kwaye ubone inkqubo ukufikelela ekupheleni.
Ukuba ibhanki ithola isithembiso esiphathelene nexabiso lentengiso , ibhanki inokuthi yenzeke ukuba yamukele loo mnikelo endaweni yokucima.
Isizathu sisemva kokungqambela, ukuba ibhanki ifuna ukuthengisa ikhaya, akunakwenzeka ukufumana isipho esiphezulu kunokuthengiswa okufutshane kwitheyibhile. Ngakolunye uhlangothi, ukuba ibhanki ivakalelwa ukuba imakethe yendawo yokuhlala ingayifumana, ukuchithwa kwinto enokuba yinzuzo kakhulu ebhankini.
Ababoneleli ngeNkonzo banganquma ukuba ngaba banikeze ukuthengiswa okufutshane okanye bacebise ukuBhengeza
Ngokwe-National Consumer Law Centre, malunga neyesibini kweyesithathu zemali-mboleko eyenziwe ukususela ngo-2005 sele iqinisekisiwe. I-Securitization yinkqubo ebandakanya ukuqokelela amakhulu ukuya kumawaka eemali-mboleko kwenye ipakethe enye kwaye uthengisa loo phakhe kwikharityhulam yesibini. Ngokuqhelekileyo, umthengi uyithemba. Iingxowa ziquka abatyalo-mali.
Emva kokubolekwa kwemali mboleko kwaye kuthengiswa, i-trust ithawula umboneleli wesevisi ukuqokelela iintlawulo zenyanga kunye nokusabalalisa imali kubatyalomali. Isivumelwano sokubambisa i-securitization sibizwa ngokuba yi-pooling and servicer agreement okanye i- PSA .
Kubaluleke kakhulu kubaboneleli ngeenkonzo nokuba ixabiso lekhaya liwa okanye ikhaya liya kungena kwi-foreclosure kuba umniki-nkonzo uyahlawulwa kungakhathaliseki. Ababoneleli ngeenkonzo banika imali ngeendlela ezininzi ezifana nokufumana intlawulo yenkonzo, iifizi ezizenzekelayo, intshukumo ehambayo kunye kunye / okanye kwiintlobo zemali-mboleko kwiinkonzo zemboleko.
I-National Consumer Law Centre ithi ababoneleli ngenkonzo bavame ukukhetha ukuthengisa okufutshane kuba ababoneleli ngeenkonzo bahlawulwa ngokuphindaphindiweyo ngokuphindaphindiweyo ukwenzela ukuthengiswa okufutshane kunokuba kwenziwe utshintsho lwemboleko.
Iphulo: Ukuba ibhanki yentengiso emfutshane yiWachovia, eyathengi imali yokuSindisa iWorld, loo bhanki inqwenela ukwenza ukuthengiswa okufutshane malunga nokugqithiswa. I-insider eWachovia indixelele ibhanki yenza imali ethe xaxa ngokuthengisa okufutshane kunokugqithisa. I-Wachovia yi-potifoliyo yesikhothifoliyo, oko kuthetha ukuba imali-mboleko ihlala isendlini. Ndifumene imvume yokuthengisa emfutshane kwintengiso emfutshane ye-Wachovia eSacramento kwiintsuku ezili-7.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.