Umbuzo: Ngaba sifanele senze iRefinfinance ye-HARP okanye Intengiso emfutshane ekhaya lethu elingaphantsi kwamanzi?
Umfundi uyabuza: "Umyeni wam ndizama ukujonga ukuba sifanele sizame ukuthengisa ikhaya lethu njengetengiso elifutshane okanye ukuxhoma kulo kwaye sisebenzise inkqubo yohlengahlengiso ye-HARP . kodwa sithanda imbono yokunciphisa iintlawulo zethu zokuthenga imali. Sineemali eziphantse zi-$ 300,000, kwaye ngelixa ixabiso lekhaya lethu li malunga ne-$ 165,000, umntu wethu wokuthenga imali uthi singalondoloza i-$ 635 ngenyanga xa sifanelekile ukulungiswa kwe-HARP. Ngaba kufuneka senze ukulungiswa kwe-HARP okanye ukuthengisa okufutshane ? "
Impendulo: Ingaba umninikhaya kufuneka athengise ukuthengiswa ngokubhekiselele kwi-HARP refinance ayikuthi inqunywe kwaye iyomile. Ngokuqinisekileyo, kwiimeko ezininzi, ingqiqo yayiya kubongoza ukuba umninikhaya mhlawumbi angcono kwiminyaka emibini emva kokuthengisa okufutshane kunokuba emva kokuhlaziywa kwe-HARP, kodwa kukho izinto ezininzi zokuqwalasela ngaphambi kokuba wenze eso sigqibo.
Okokuqala kwaye okuphambili kukuba ngaba uya kulungelelanisa nayiphi na inkqubo. Iibhanki ezininzi ezithengiswayo ezincinane zikhululile iimfuno zokuthengiswa okufutshane, kwaye akusiwo wonke umboleki ofuna ubunzima bezezimali, ngakumbi emva ko-2012. Nangona kunjalo, ukuba ibhanki yakho idinga ubunzima bezezimali kwaye awukwazi ukubhala ubunzima bezezimali, ngoko ungeke ufanelekele ukuthengisa okufutshane kukonke. Yiyiphi na eyenza loo mbuzo ube yi-moot point, kulungile?
Ngoko, into yokuqala endiyiphakamisayo ukuba uyenze, uthetha nge-arhente edayisiweyo yokuthengisa ukuba uza kufumana ilungelo lokuthengisa. Cinga ngoRhulumente HAFA inkqubo yokuthengisa emfutshane xa kuthengiswa okufutshane okufutshane kunzima kakhulu.
Kodwa ukuba uya kwindlela yeHAFA, qi ni sekise ukuba ufuna ukwenza ukuthengisa okufutshane ngaphambi kokuba ufake isicelo se-HAFA. Abanye ababolekisi abanakukuvumela ukuba uphinde usebenzise kwakhona xa ulungelelanisa, ukuba ufanele utshintshe ingqondo yakho xa uvunyiwe.
Kubalulekile ukuqaphela ukuba awukwazi ukwenza zombini. Kufuneka ukhethe enye inkqubo. Ingaba i-HARP Refinance okanye ukuthengiswa okufutshane.
Ulungelelwaniso lwe-HARP Refinance
- Akuncinci ku-Fannie Mae kunye no-Freddie Mac.
Inkqubo yokuhlenga i-HARP isebenza kuphela kwimali mboleko egcinwe nguFannie Mae okanye uFreddie Mac. Ukuba umboleko wakho awukho uFannie Mae okanye uFreddie Mac, awuyi kufaneleka. Unokufumana ukuba umboleko wakho nguFannie Mae okanye uFreddie Mac ngokuya ku-Fannie Mae Loan Khangela phezulu okanye u-Freddie Mac Loan Khangela. Uya kufuneka ukwazi iinqununu zokugqibela ezibolekileyo zokugqibela zeNgcaciso yeNtlalo.
- Imali evela kwi-Juni 1, 2009 okanye ngaphambili.
Ukuba uthetha imali yokuthenga ngemali ngomhla ka-Juni 2, 2009 okanye kamva, awuyi kulungele ukuhlaziywa kwe-HARP. Akukho nto ngaphandle kwexesha kodwa ingatshintsha.
- I-80% ye-LTV
Ukuba ikhaya lakho liphantsi kwamanzi, i-LTV yakho (umlinganiselo -mboleko-value-value ) iya kudlula i-80% yexabiso lemarike-kuba ixabiso lemarike ngokuqhelekileyo lingaphantsi kwe-balance balance yakho. Uninzi lwabantu alukho ingxaki kule nqanaba elifanelekileyo.
- Akukho ntlawulo ehlawulezileyo.
Nangona iprogram ye-HARP Refinance ivumela inkokhelo enye emva kweenyanga ezili-12, ababolekisi abaninzi abayi kuboleka imali mboleko kumntu obolekayo, kungakhathaliseki ukuba izikhokelo ze-HARP. Ezi mfuneko zeemali-mboleko ezongezelelweyo ezingafani nalezo ezibekwe kwiprogram zibizwa ngokuba yi-overlays.
- Okokuqala ukulungiswa kwe-HARP.
Ngaphandle kokuba imithetho iguqulwe, kwaye kunye nenye into encinane, unokwenza enye yokulungiswa kwe-HARP kwaye, xa unikwe, awukwazi ukuhlaziya kwakhona nge-HARP kwakhona. Nangona kunjalo, ukuba emva kweRefinance ye-HARP, unengxaki yokwenza iintlawulo, unako ukuhlala rhoqo emva komhla usebenza ngokuthengisa okufutshane.
HARP Refinance Vs. Ukuthengiswa okufutshane
Izikhokelo zentengiso ezimfutshane zokuthenga elinye ikhaya emva kokuthengiswa okufutshane ziqhelekileyo iminyaka emi-5 ngemboleko yesiqhelo kunye neminyaka emithathu kwiimali-mboleko ze- FHA . Masithi uthe wathengisa ngokufutshane kwaye uthengise ikhaya lakho. Iingxaki ekuthengiseni okufutshane zi:
- Awunayo ikhaya.
- Kufuneka uhambe kwenye indawo uze ube ngumnini-renter.
- Kusenokwenzeka ukuba uhambe ngaphandle kommandla wakho.
- Uza kulahlekelwa yerhafu yakho yokutsalwa kwekhaya.
- Akukho siqinisekiso oza kufaneleka kuyo kwiminyaka emithathu ukuthenga enye ikhaya ngenxa yokuba imeko zenguqu zitshintsha kwaye imithetho iyatshintsha.
Ukuba ukhethe ukhetho lokuhlaziywa kwe-HARP, kwiminyaka emi-2, uza kugcina i-$ 15,240 (u-$ 635 umahluko wentlawulo x iinyanga ezingama-24). Kwiminyaka emithathu, uza kugcina ngaphezulu, i-$ 22,860. Ingaba ixabiso lemarike yokwanda kwekhaya lakho liya kukwenzela i-fact you still worth about $ 300,000 kwikhaya elixabisa i $ 165,000?
Akunakunceda. Isizathu sokuba akunakunceda kuba ungeke ufune ukuthengisa. Oku kuthetha ukuba uya kuqhubeka ukuhlawula ekhaya uze uhlawule imali engama-300,000.
Ukuba ukhethe ukuthengisa okufutshane, nangona kunjalo, ekupheleni kweminyaka engama-3, unokufanelekela ukuthenga elinye ikhaya. Ukuba ukholwa ngamanani asekhaya aya kuhlala ezinzile ngeli xesha, oku kuthetha ukuba unokuthenga indlu njengendlu oyithengisayo, ngaphandle kwexabiso lemarike yanamhlanje eyi-$ 165,000. Nangona iirhafu ziphindwe kabini, inkokhelo yakho iya kuba isezantsi kuneentlawulo ozihlawulayo namhlanje.
Kodwa kubantu abathile, akuyona inkcazo yeengcamango okanye ukucinga ngemali. Kwaye kulungile, kulungile. Abantu badla ngokuthenga i-estate kwiimvakalelo kwaye bahlala kuloo ndlu ngokusekelwe kwimizwelo. Musa ukuziva ungalunganga xa ukhetha ukulungiswa kwe-HARP ngokuthengisa okufutshane. Sisiphi isigqibo osenzayo sisigqibo esifanelekileyo kuwe.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.