Umfundi uyabuza: "Ngaba kufuneka siyeke ukwenza imali yethu yokuthenga ngemali ngelixa lethu ikhaya lithengiswa njengentengiso emfutshane ? Sizame ukwenza utshintsho lwemali mboleko kunye nomthengisi wethu, kodwa isicelo sethu sichithwa ngenxa yokuba sasingoku. ukuba ngaba sasiyikho phantsi, kuya kusinceda.Kodwa sinomvuzo omkhulu kunokuba ikhaya lethu lifanelekile, ndilahlekelwe ngumsebenzi kwaye andinakukwazi ukugcina iintlawulo. "Ngaba unokusinceda?"
Impendulo: Okokuqala, ndivumele intliziyo yam iphume kuwe. Ndiyathetha nabathengisi abaninzi abancinci kwiindawo zenu zonke iintsuku kwaye nibona ubuso beentengiso kubathengisi. E-Sacramento, apho ndisebenza khona, ngaphezu kwesigamu se-thengisa ngo-2008 kwakukho ukuthengisa okufutshane kunye nokuqalwa kwangaphambili , kwaye le meko iboniswe kwezinye iindawo zelizwe. AWUKHO wedwa.
Akukho mntu, ngaphandle kwegosa, onokukuxelela ukuba unqanda ukwenza iintlawulo zakho zemali-mboleko-ingakumbi abaxumi bezindlu , kuba asinayo ilayisenisi yokunika iingcebiso zomthetho. Esi sigqibo somntu siqu abathengisi kufuneka bazenzele bona. Kukho imiphumo xa uyeka ukwenza iintlawulo. Nazi izinto ezimbalwa zokuqwalasela:
Ngaba Unomnqweno Wokuhamba Ngaphambili?
Ngokuqhelekileyo, ababolekisi abayi kugunyazisa ukuthengiswa okufutshane ukuze umthengisi athenge umthengi, kodwa ukuba isimo sitshintsha. Qaphela ukuba akukho siqinisekiso sokuthi umnini-mboleko uya kwamkela ukuthengiswa okufutshane, kwaye akusikho wonke umboleki-mali ofuna ukuba uthengise ngokuthengisa okufutshane.
Ukuba uqala inkqubo yokuthengisa emfutshane kwaye unqume ukwenza iintlawulo zakho, xa kuthengiswa ukuthengiswa okufutshane kwaye awukwazi ukwenza iintlawulo zangemuva, unokufumana ukulahlekelwa ngentsapho yakho ngokuzikhusela ngokuzikhusela . Abathengisi abaninzi abancinci bangena kwinkqubo ngoluvo lokuba ukuba umboleki-mali akayi kuvuma ukuthengisa kwabo okufutshane, bazimisele ukuvumela loo propati ukuba ihambe.
Iingenelo zokwenza iintlawulo zakho zentengo ngexesha lokuthengisa okufutshane
Ukuba unako ukulawula ukuqhuba iintlawulo ngelixa ikhaya lakho lisemarike, kunokukunceda ukuba wenze njalo ngezi zizathu:
- Ilungelo lokuthenga ikhaya elitsha .
Izikhokelo zikaFannie Mae, ezikhutshwe ngo-Agasti ka-2008, zithi umntu obolekayo unokuthenga ngokukhawuleza elinye ikhaya emva kokuthengiswa okufutshane ukuba umbolekeki akazange alahlekise, uhambelana "nomgaqo-nkqubo wokuhlawula umboleko" ngaphambi kokuthengiswa kwemali, kwaye akabophekanga ukuba abuyisele umthengisi omfutshane. , kubandakanywa nokwahluleka kwesigwebo .
Kunzima ukufumana umbolekisi oya kwenza, kodwa kukho iibhanki ezincinci kunye nama portolios abo abangathengisi kuFannie Mae kwaye banokuqwalasela loo mboleko. Ngakolunye uhlangothi, izikhokelo ze-FHA zithi ukuba umthengi akazange aphephe, i-FHA iya kuboleka ngokukhawuleza emva kokuthengisa okufutshane. Izikhokelo ze-HAFA 2013 zivumela ababolekisi ukuba babike ingxelo ngokuhlawulwa ngokupheleleyo, oko kwenza ukubahluko omkhulu kwi- credit report .
- Khusela iNgxowa
Ukugcina i-mortgage yakho yangoku iyanceda inqaku lakho lokuthenga ngetyala ngenxa yokuba ingxelo yakho yekhredithi ayiyi kubonakalisa nayiphi na intlawulo emva kwexesha. Qaphela ukuba umnini-mboleko unakho ukubika ukuthengiswa kwakho okufutshane njengeCandelo leMali yeCredit Factor Code # 22, eya kusayi kuphinda ilahle iFICO yakho.
- Uxolo lwengqondo
Ukungaphumeleli emva kweentlawulo zakho kwenza kube lula kwabanye abathengisi ukuba bajongane nentengiso emfutshane ngenxa yokuba ukungabikho kobugqwetha bengekho, kwaye balala ngcono ebusuku.
- Ukukhansela ngaphandle kweNkundla
Ukuba ikhaya lakho alithengisi okanye umboleki-mali wenqaba ukwamukela isipho esivela kumthengi wakho osithengayo, e-California, umzekelo, ukhululekile ukukhansela uluhlu uze ugcine ikhaya lakho ngaphandle kwecala.
Izizathu zokuyeka ukwenza iintlawulo zakho zentengo ngexesha lokuthengisa okufutshane
Abanye abathengisi bajongene nobunzima obunzima bezezimali kwaye abanakho ukhetho lokugqiba ukuba ngaba uyaqhubeka nokuhlawula imali. Abanye abathengisi bayeke ukuhlawula ngamabomu.
- Iinjongo ezongezelelweyo zeeBhanki zokufumana ukuthengisa okufutshane
Nangona akudingekile ukuba ungagqibekanga phambi kokuba ibhanki iqwalasele ukuthengiswa okufutshane, iifayile eziza phambili zizo zikho phantsi.
- Ababolekisi abanakho ukunyanzelisa intlawulo
Awukwazi ukucoca igazi ngaphandle kwebhetti, nangona ndiyazi iibhanki eziye zazama. Ngokuqhelekileyo, ukuba umntu obolekayo ubhekene nobunzima bokwenene kwaye akanakho impahla okanye indlela yokwenza inkokhelo yokuboleka imali, umbolekisi akanakwenzeka ukuba azame ukuphoqa umbolekayo ukuba abuyisele nayiphi na. Akuthethi ukuba umboleki-mali akanalo ilungelo lokugweba , xa iimeko zivuma.
- Ukufumana iNgxowa-mali ukuze uhambe
Kuyacaca ukuba ukuba awukhatali ibhanki, imali eyayiza kubelwa ukuba loo ndleko ingasetyenziselwa ukuhlawula kuqala, ekugqibeleni kunye nokukhuselwa kwirejethi.
Iimpawu zokungena kwiiNdawo eziPhezulu ngexesha lokuthengisa okufutshane
Akukho nto yokutya yasemini. Nangona abanye abathengisi bevuyiswa ukuhamba ukusuka kwikhaya ekukhunguleni, abanye banokukhetha ukugqiba ukuthengiswa okufutshane kunye nokwesaba ingcamango yokuqhawula.
- Ingxelo yeNgxowa-mali inokuthi ihluphe
Ukuthengisa okufutshane kunye nokuchithwa kwemali kuthintela i-credit . Ukongeza kwikhowudi ye-Credit Score Factor Code # 22, umbolekisi angaphinda akhankanywe kwiintlawulo zemboleko zetyala . Abanye ababolekisi bangabhengeza ukuthengiswa okufutshane njengoko kuhlawulwa ngokupheleleyo xa ugqibe i-HAFA emva kokuthengiswa okufutshane emva kwe-2013, okungafanelekanga ukuchaphazela i-credit yakho.
- Ukukhawulelwa ekuthengeni ikhaya elitsha
Nangona ndilindele ukuba imiqobo ikhululeke ngenxa yenkalo ekhulayo yokuthengiswa kwezinto kunye nokuthengiswa okufutshane, okwangoku, ababoleki abanomvuzo-ozayo emva kweentsuku ezingama-60 okanye ngaphezulu bafunwa nguFannie Mae ukuba alinde iminyaka emibini ukuthenga elinye ikhaya. IGold 1 I-Credit Union yaseCalifornia inikeza ithuba lokulinda ngamatyala abantu ababolekayo abafanelekileyo. Ezinye izikhokelo ze-HAFA zivumela ukuthengwa ngokukhawuleza. Thetha kwi-arhente yakho.
- Lahleka iKhaya ukuya kwiNgqungquthela
Ukuba awukwazi ukwenza iintlawulo zangemuva phambi kweentengiso zomphathiswa okanye ukuthengiswa kweentsimbi, unokulahlekelwa yindlu yakho ebhanki.