Ukuqeshiswa okufutshane kwintengiso kunye nokuthengwa yindawo ebumnyama yongxowa-mali. Kukho phantsi kweemeko ezininzi zicingelwa ukuba zithengise ubuqhetseba obuthengiweyo . Ukuba ungathandabuzeki, cela i-FBI into ecinga ngayo ngenkampani yakho yokugcina ikhaya.
Into enxulumene nabanikazi bezindlu ezixinzelelekileyo bethetha nabacebisi basekhaya abangenelwe inzuzo, ngokuqinisekileyo, kufana nokuphonswa kwitanki le-shark elinomlenze wegazi. Kuphela kuphela okuphela kwesi simo, kwaye akuyinto enhle. Xa ikhaya lakho lingagqibekanga, phuma izimpisi zembatho zezimvu. Awazi ukuba ubani ongamthembayo. Awufuni ukulahlekelwa yikhaya lakho kodwa awukwazi ukuhlawula imali yentlawulo yokubolekwa kwempahla, kwaye unayo imali ephezulu kunokuba ikhaya lifanelekile. Ukuthengiswa okufutshane kufana nokubheja kwakho okulungileyo, kwaye kuya kuba kuhle kakhulu, kodwa ngenxa yokungabi namacala nokungenazi zinto kule miba, iinqwenya zingakusebenzisa, kwaye ziya.
Kutheni ukuqeshisa okanye ukuthenga emva kokuthengiswa okufutshane kungaba buqhetseba
Ukukhwabanisa kwe-Mortgage kwenzeka xa ulwazi lukhunjulwa kwi-lender yakho, ukuba, ukuba umbolekisi uyazi, kuya kubangela ukuba umboleki-mali anqabe ukuthengiswa kwakho okufutshane .
Ubizwa ngokuba udonsa uboya phezu kwamehlo omboleki. Akungabonakali.
Iibhanki ezinkulu ezifana neBhanki yaseMelika , i-Wells Fargo, kunye no-JP Morgan Chase baye babamba ama-shinani adlalwa ngabatyalo-mali kunye nama-shady agents, ngokukodwa, iinkampani ezikrakra zenziwa kuphela ukuba zidle umxhasi.
Ezi zilandelayo ziintlobo zezenzo ezininzi iibhanki ziyakwenqabela ngokuthe ngqo, mhlawumbi ngefidavithi yobude bengalo , esayinwe ngabo bonke amaqela okanye kwincwadi yokuvuma yokuthengisa emfutshane :
- Akukho tshintshelo kubantu abathathu ngezenzo ngokuvala.
- Akukho zivumelwano ezingezantsi kwetafile ezikhethekileyo phakathi kweegosa kunye neenqununu.
- Akukho ukuthengisa kwipropati yesifundo ngaphakathi kwexesha elithile, ngokuqhelekileyo iintsuku ezingama 90 emva kokuvala.
- Abathengisi kufuneka baphume kwipropati kwaye abanako ukuqasha.
- Abadayisi abanako ukufumana nayiphi na imali okanye inzuzo ngokufihlakeleyo kwithengiso elifutshane.
Yiba netyala xa uceliwe ukuba wenze ukwenziwa kwekhaya lakho, ukudlulisela isihloko, komnye umntu okanye kwinkampani ngaphambi kokuvala. Ezinye iinkampani ezingenangqiqo ziya kubhala isenzo sakho kwaye emva koko isondo kwaye ijongane nebhanki yakho njengenqununu, ngaphandle kokubandakanyeka kwakho. Sekunjalo, usenomthwalo wemboleko yakho.
Xa kuthengiswa okufutshane okuthengiswayo okanye ukuthenga kwakhona akuyikukhohlisa imali
Ngangoko unokuba ufuna ukujonga abatyali-zimali njengezithunywa zeenceba, aba bantu abazingelosi. Akukho nto ingelosi malunga nenkampani ethatha ikhaya lakho kwaye ifuna ukuba ungayikhokha ngaphaya kwempumlo ukuze uyithenge. Bakuyithengisa kuwe konke okulungileyo, indlela phezu kwexabiso lemarike yaloo xesha.
Ukuba umboleki wakho uveza ngokugcwele kwaye akaphikisi, unokwenza okuninzi kakhulu into oyifunayo.
Kodwa umnini-mboleko unako ukungafuni. Ukuba uya phambili, fumana ngokubhaliweyo kumboleki wakho ukuba kulungele ukuhlawula okanye ukubuyisela ukuthengiswa kwakho okufutshane. Ukukhala ngokukhawuleza, fumana iingcebiso zomthetho. Andiyena igqwetha kwaye akunakukunika iingcebiso zomthetho.
Uthengiso olutshanje lwe-Fannie Mae lungakunika isithuba sokuqeshisa kunye / okanye ukubuyisela. UFannie Mae uyinkampani exhaswe nguRhulumente, oku kuthetha ukuba ilawulwa nguRhulumente. Kwaye urhulumente, nje ngamaqela abucala, angenza amacandelo kunye nawe. Khumbula, nangona kunjalo, ukuba uFannie Mae akayena umhlobo wakho.
Kukho konke, ulungele ukuba uthengise ikhaya lakho njengentengiso emfutshane, uphume kwaye urenze enye into iminyaka embalwa, uze uthenge ikhaya elifana nalo owake wahlala nalo lakho mhlawumbi kwisiqingatha seendleko zalo zangaphambili . Lo mdlalo udlalwa kuwo wonke umhlaba, kwaye lo usemthethweni.
Yona indlela okwenyaniso "ayikho imicu eqhotyoshelweyo" esetyenziselwa ukuthengisa.