Amabhanki akufuneki Ukwandisa ukuvalwa kweMpahla emfutshane
Akukho mntu ufuna ukukhupha ukuthengiswa okufutshane, kwaye akukho siqinisekiso sokongezwa kwandiso. Emva kweenyanga zokulinda imvume yokuthengisa emfutshane , into yokugqibela abathengi bafuna ukuva kukuba i-mortgage lenderer yabo ayikwazi ukwenza. Impendulo yokubolekisa imali inokuthi ihlasele amanxephe kwaye icebise, "Hayi, fumana ukongezwa kwintengiso emfutshane." Ukhulunywe njengempendulo yokubolekwa kwempahla engenamsebenzi ongenamathuba amaninzi okuthengisa okufutshane .
Ababoleki basetyenziselwa ukubiza izibhengezo zabathengi basekhaya.
Kwintengiso engekho ukuthengiswa okufutshane, umthengi womthengi kakhulu ulawula konke ukuthengiselana. Umboleki uyazigqiba xa kuthengiswa. Akunjalo ngokuthengiswa okufutshane. Ngokuthengiswa okufutshane, ibhanki elifutshane lithengisa umhla wokuvalwa. Ukuba umthengi womthengi akakwazi ukudibana naloo mhla, umthengi angahle alahlekelwe yile nto yonke indlu.
Ezinye iibhanki, phantsi kweemeko ezithile, ziya kwandisa. Ukubonelela akusikho ukuthengisa okufutshane kuFannie Mae . Ukubonelela ngebhanki kufuna ukuhlehlisa i-intengiso . Ngamanye amaxesha, iibhanki zikhetha ukunqabisa ukuba umrhumo usondele. Ezinye iibhanki aziyi kuwandisa ukuthengisa okufutshane. Abafunwa ukuba bandise ukuba imimiselo yokuvunywa iphelelwa yisikhathi.
Kutheni i-Bhanki ingabangela ukwandiswa kokuthengiswa okufutshane?
Isizathu esisodwa esikhulu ebhanki sinokuvuma ukuba isandiso esithengiswayo esifutshane kukuba ibhanki mhlawumbi inqwenela ukwenza ukuthengiswa okufutshane malunga nokuvalwa kwezinto . Ukwenza ukuthengiswa okufutshane kufuneka kwenziwe ingqiqo yemali kwibhankini kwaye ibe nenzuzo ngaphezu kokungqineka .
Uninzi lweebhanki ziwela kuloluhlu, kodwa akusiyo yonke ibhanki iya kunika isandiso ukuvala ukuthengiswa okufutshane. Nazi ezinye iindlela oza kuzithatha ukwandisa iingxaki zakho ukuba ibhanki elifutshane lithengise ukunyusa:
- Nika umhla wokuvalwa oqinisekileyo. Ngokuqhelekileyo, oku kuthetha ukuba umboleki wakho uye wathatha amaxwebhu kwaye uya kukulungele ukuxhaswa xa usayine kwaye ubuyisele amaxwebhu eboleki. Amabhanki akafuni ukubhala ileta emva kweleta kuphela ekuxelelwa ukuba mboleko ayikulungele. Yilungele kuqala. Emva koko, cela isandiso.
- Bhalisa i-addendum yokwandisa ukuvala. Ibhanki yentengiso emfutshane inokufuna isiqiniseko sokuba onke amaqela ekuthengisweni kwentengiso emfutshane ayesekho ekulungele ukuvala. Ukuba i-arhente yakho ingathumela isongezelelo kwibhanki esayinwe ngabo bonke abathengisi kunye nabathengi, oku kuya kuqinisekisa ukuba wonke umntu uvumelekile ukwandiswa.
- Hambisa ileta yokuqinisekisa kwangaphambili kunye / okanye ubungqina bemali evela kumthengi. Ileta ibhanki elifutshane elithengiswayo linokuthi libe neenyanga ezilidala ubudala ngelixa ibhanki ikhuphe imvume yokuthengisa emfutshane. Bonisa ukuba umthengi ufanelekile kwaye ulungele ukuvala. Bonisa ubungqina bokuvala.
- Yiba ngongcali kwaye uphathe umthengisi ngenhlonipho. Musa ukufuna ukongezwa okanye ungafumani ukongezwa nonke. Chaza izizathu zokulibaziseka kwaye uqinisekise umnxibelelwano womhla ozakuvala ngawo.
- Yilungiselele ukuhlawula ilungelo. Ukwandiswa kwebhanki elifutshane lokuthengisa lilungelo, akunjalo. Ezinye iibhanki zinokuhlawulisa umrhumo ngamnye ngosuku uhamba ngaphaya komhla wokuqala wokuvala. Le ntlawulo ingaba yi-$ 100 ngosuku okanye ngaphezulu. Ingaba yipesenteji yomnatha. Imigaqo isenokuba sele iqulethwe kwileta yokuvuma yokuthengisa emfutshane, ngoko kuqikelele ukuhlaziya loo leta.
Indlela efanelekileyo yokujongana nokucela ibhanki ukuba isandiso kwisitengiso sakho esifutshane kukuvalwa ngexesha kwaye ungadingi ukunweba. Abanye ababolekisi abaqondi ukuba umhla wokuvala ukufutshane awuhlali uguquguqukayo, kwaye kufuneka benze konke okusemandleni ukuhlangabezana naloo thuba. Kusenokwenzeka ukuba ufanele ugwebe eli qiniso entloko. Yaye masithemba ukuba akuyikhaya lakho eliphuphayo eliya kwi-foreclosure ngenxa yokuba umnini-mboleko wakho akakwazanga ukuvala ngexesha.
Njalo zinike i-buffer yesonto okanye ngaphezulu ukuvala. Iimeko zokuxhaswa ezingenakuhlangana ngokukhawuleza kunye nokuphononongwa kwakhona ziqhelekileyo emva kweHVCC . Ukulahla ngamanye amaxesha kunokwenzeka. Okona kungcono kodwa, xa uva imvume yokuthengisa emfutshane isondele, khawuleza uqale umboleko wakho. Ingaba unokubeka umngcipheko wokulahlekelwa umrhumo wokuhlaziywa okanye ulahlekelwe ekhaya?
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.