Umfundi uyabuza: "Ndivakalelwa kukuba ndenzile zonke izinto eziphosakeleyo. Ndathengisa le ndawo yokuqashisa ekuphakameni kweemarike. Ewe, loo mini sele ifikile kwaye ngoku kungumntu ongaphantsi kwamanzi .
Impendulo: Abanye abantu bacinga ukuba ukhetho lokufutshane olufutshane lukhawulelwe kuphela kwindawo yokuhlala. Mhlawumbi bacinga oko kuba kukho i-hoopla eninzi kwiintlobo ezithile zabathengi malunga nokuba umntu uhlala ekhaya okanye akahlali ekhaya, kodwa oko akunakunxibelelana nokuthengisa okufutshane. Nokuba izikhokelo ze- HAFA zemveli zithengiswa ukususela ngoFebhuwari ka-2011 vumela ukuba indawo yokuhlala yangasese ingabonwa njengexesha elide ikhaya lingekahlali lingaphandle kweenyanga ezili-12 okanye ngaphezulu.
KwiCalifornia, sisandul 'ukuthengisa isakhiwo sendawo yesakhiwo esinezakhiwo ezininzi kumthengisi ngaphandle kokugwetywa kwesigwebo kunye nokukhululwa okupheleleyo komthwalo . Uninzi lweziqinisekiso ziya kuxhomekeka kwezi zinto zilandelayo:
- Uhlobo lwakho lomboleko
- Umboleki wakho
- Imithetho kaRhulumente
- Uhlobo lwepropati
- Isizathu esinzima
Akusoloko kuyimfuneko ukuba ube nobunzima - imali okanye enye - ukwenza ukuthengisa okufutshane. Amanye amaziko ebolekayo njengeBhanki yaseMerika , umzekelo, athengiswa ngokufutshane.
IBhanki yaseMelika ineenkqubo ezininzi zokuthengisa ezincinane ezifumanekayo ezibandakanya ubuncinci ubunzima. Ezinye zeeprogram zihlawula ukuba wenze ukuthengiswa okufutshane, kodwa ngokubanzi kungekhona ngokubhekiselele kwipropati yokutyalomali.
Ukulungiselela Ukuthengiswa Okufutshane kwiPropati yoTyalo-mali
Into yokuqala yokuyenza kukuba ubhale unobumba obunzima .
Ndiyaqonda ukuba ndandisithi nje akusoloko ufuna ukubonisa ubunzima, kwaye oko kuyinyaniso. Kodwa usenokufuneka uvelise unobumba obunzima. Kufuneka ucele ukuthengiswa okufutshane kunye neendlela ekufuneka uyifumane.
Nazi ezinye iimpepha ezibolekayo:
- Uhlalutyo lwemakethi olulinganiswayo. I-arhente yakho inokulungiselela i- CMA ukuze ihanjiswe kwibhanki ukuze iqinisekise ixabiso. Ibhanki iyakuthi ilandele i- BPO yayo . Nangona kunjalo, i-CMA iya kuboleka ukuthembeka kwisicelo sakho.
- Ukubuyiswa kwentlawulo yaseStar. Zonke iishedyuli namaphepha. Ukuba unayo ezinye iimpahla zokutshala imali ezibonakaliswa kwiimbuyekezo zakho zerhafu, kungenokuba yinto elungileyo yokujonga ngokufutshane ukuthengisa yonke into ngexesha elinye.
- W2, 1099 okanye omnye ubungqina bemali engenayo. Lawa maxwebhu ahamba kunye nentlawulo yakho yerhafu.
- Iikhokhsi zemivuzo . Ibhanki elifutshane elithengiswayo lisoloko lifuna ukubona ubungqina benkxaso-mali yakho yangoku kunye namanani ayo.
- Ingxelo zeBhanki . Iiphepha ezipheleleyo zeenyanga ezimbini zokugqibela kwi-akhawunti nganye yebhanki, kuquka nemali yomhlalaphantsi. Kuyinto engavamile kakhulu kwibhanki ukucela umthengisi umnikelo kwiimali zomhlalaphantsi.
- Isivumelwano soluhlu. Esi sivumelwano phakathi kwakho kunye ne-agent yakho yendawo yokuhlala ukuthengisa impahla yakho.
- Inkontileka yokuthenga. Inkontileka yokuthenga iya kubandakanya yonke imiqathango kunye nemimiselo echaphazelekayo ekuthengisweni kwepropati yakho, kubandakanywa uhlobo lokuxhaswa kwemali, ukuba kukho na, ukuhlawula kunye nentengo yokuthengisa.
- Ubungqina benkxaso yemali kunye / okanye ileta yokumenywa kwangaphambili . Umboleki wakho uya kufuna ukubona ukuba umthengi ufanelekile kwaye uyakwazi ukugqiba ukuthengiselana.
- Isitatimende sokuvala esilinganisiweyo okanye i-HUD-1. Imiba engundoqo yomnatha. Iindleko ezingezizo eziqhelekileyo ziya kukwenyulwa.
Izinzuzo ezifutshane Ukuthengiswa kweMpahla yoTyalo-mali
Ndiqaphele ukuba ngamanye amaxesha ababolekisi banamathengi ngakumbi kubathengisi bepropati yokutyalomali kunokuba bekunxulumene nabathengisi bendawo yokuhlala. Ucinga ukuba kuya kuba yindlela ejikeleze, kodwa ayikho. Ndiyakrokrela kukuba kungenxa yokuba utyalo-mali oluninzi lubanjelwe ukuhamba kwemali okanye ukuxabisa. Ngoko, ukuba ipropati igxininisekile, mhlawumbi ayikho imali ehambayo kwaye ayithathwa njengotyalo-mali emehlweni omtyalomali.
Nangona indawo yokuhlala, nangona kunjalo, ihlaselwe phantsi, kuseyikhaya lakho.
Abantu abaninzi abayithengi ikhaya lokutyalomali xa kuthengwa njengendawo yokuhlala eyinqununu. Ngoko ke, iibhanki zithatha ezinye izinto xa kuqwalaselwa ngokufutshane ukuhlala. Ngokuqhelekileyo, ukuba ngaphantsi kwamanzi akwanele isizathu sokuthengisa okufutshane ukuhlala kwinqununu.
Abathengisi babonakala befuna ukuthengisa ikhaya elingaphantsi kwamanzi xa kungabikho ukuhamba kwemali kwaye uphantsi. Ukuba ibhanki ifuna umrhumo wathengisi, abatyali-mali bavame ukukwazi ukuhlawula ngenxa yokuba baqonda ukuhlawula imali engafanelekanga.
Ukwenza ukuthengisa okufutshane kwipropati yotyalomali ngokukhawuleza kwaye kulula. I-hit to a credit report ngaphandle kwesigwebo esilahlekileyo ngokuqhelekileyo ingaphantsi kwe-debt to credit.
I-Pitfall yokuThengisa iMpahla yoTyalo-mali njengokuThengiswa okufutshane
Njengoko naluphi na ukuthengiswa okufutshane, funa iingcebiso zomthetho nezerhafu ngaphambi kokuba uvumele ukuthengiswa okufutshane. Ngenxa yokuba ikhaya alikho indawo yokuhlala, enokufumana unyango olukhethekileyo, unakho ukuxhomekeka kwerhafu ukusasazeka phakathi kwesiseko sakho kunye nentengo yokuthengisa.
Unokuba ungaphantsi kobunqongophala bembolekiso, yintoni umahluko phakathi kokulingana kwakho kunye nexabiso lebhanki elifunyenweyo. Abathengisi abaninzi baseCalifornia ndidibene nabo baqeshe irhafu efanelekileyo kunye nabameli bezomthetho bafumana iindlela zokusebenza malunga neengxaki ezimbini, kodwa abathengisi kwezinye iindawo abanako ukuba nethamsanqa.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.