Ndiyamthiya kuba ngumbali weendaba ezimbi, kodwa kukho iingxaki zonke ezijikeleze kunye nesisombululo.
Amabhanki anikezela ukuthengiswa okufutshane ngezizathu ezahlukeneyo, akukho nto iquka ukunceda umninikhaya. Ngoko, incamango yokuba unokwathenga indlu entsha kunye nesibheno kwibhanki ukukuvumela ukuba uhambe kude nemali yakho yokuthenga imali akunakwenzeka, kodwa kukho imeko apho iimeko ezifanayo zingasebenza.
Ukuthenga ikhaya elitsha Emva kokuthengiswa okufutshane
Ukuze uphendule umbuzo wakho, makhe sijonge kwimeko yokuqala. Ukwenza ukuthengisa okufutshane kunye nokuthenga ikhaya elitsha . Unendlela ezintathu zokuhamba ngokuthengiswa kwekhaya lakho elikhoyo njengentengiso emfutshane:
- Imboleko kwi-default
Ababoleki banikezela ngokuthengisa okufutshane kuba abathengisi banobunzima bezezimali. Ukuba unobunzima bezezimali kwaye uyeka ukuhlawula iintlawulo zakho zemali, ke mhlawumbi awufaneleki ukufumana mboleko ukuthenga ikhaya elitsha. - Iintlawulo zeMali zikhoyo ngoku
Ukuba iintlawulo zakho zokubolekwa kwemali zihlawulwa ngexesha, ibhanki yakho inokugqiba ukuba awufanelanga ukuthengiswa okufutshane ngenxa yokuba unobunzima. Ukwenza ukuthengiswa okufutshane ngaphandle kobunzima bunzima. Ibhanki elifutshane lokuthengisa lingacela ukuba wenze inxaxheba yomthengisi .
- I-Mortgage ikhoyo ngoku kodwa malunga nokuya kwi-default
Yona imeko enhle kakhulu, kodwa kwakhona, ezinye izikhokelo zotyalo-mali aziyi kuvumela ukuthengiswa okufutshane ngaphandle kokuba ungagqibekanga. Ukwehla emva kweentlawulo zakho kuya kubonakalisa kakubi kwingxelo yakho yebhanki njengemini yeentsuku ezingama-30, emva kweentsuku ezingama-60 emva kwexesha. Ukuba isikolo sakho seFICO siwa phantsi kakhulu, awuyi kuba nelungelo lokuthenga elinye ikhaya.Nangona izikhokelo ze- Fannie Mae kunye nezikhokelo ze-FHA zibonelela ngempahla yabathengisi abangazange baphoswe imali yokubolekwa kwemali , ukufakwa kwebhanki akulandelanga. I-FHA iyakwenqabela ngokukodwa ukwenza umboleko kumthengi obenokuthengisa okufutshane nje isizathu esithile sokuxhaswa kwixabiso lexabiso. Omnye umzekelo ukuthunyelwa komsebenzi nokuhambisa umgama owamkelekileyo.
Ukuthenga indlu entsha kunye nokwenza ukuthengiswa okufutshane kwikhaya lokuqala
Ukuthenga ikhaya elitsha, abaninzi abathengi basekhaya bafumana imali. Imali entsha yokubolekwa kwemali ibandakanya ukubonisa umboleki umrhumo wakho werhafu. Imbuyekezo yakho yentlawulo iya kubonisa ukuba unayo ikhaya. Kulula kakhulu kumthengisi wakho omtsha ukufumanisa ukuba ikhaya lakho lihlasele. Inyaniso nje yokuba unetyala elingakumbi kwikhaya lakho elikhona kunokuba lifanelekile ngenxa yezizathu ezininzi zokubhenca iifayili yakho ngaphandle kokubhalwa phantsi kunye nokukhanyela mboleko.
- Thenga kunye neBheyili
Kutheni i-bhanki ingayibhikisha imali yakho mboleko ukuba ukhona kwiintlawulo zakho zokubolekwa kwemali kwaye unayo ingxelo engcono kakhulu yekhredithi? Amagama amathathu: uthenge kunye nebheyili . Thenga, kwaye ibheyile ithathwa njengento yokukhwabanisa . Ukuba uthe waxoka kwaye uthi uceba ukugcina ikhaya lakho elikhoyo xa unenjongo yokuhamba, oku kungathi kuqwalaselwe ukukhwabanisa kwempahla . - Ilungelo lokuba nezindlu ezimbini
Abanye abathengi basekhaya benza imali eyaneleyo ukuze bakwazi ukufumana amakhaya amabini . Ukuba ingxelo yakho yekhredithi igolide, kwaye i-ratios yakho isekela umboleko omtsha ngaphandle kokuxhomekeka kwingeniso yerenti ukusuka kwikhaya lakho elikhoyo, kungenzeka ukuba ibhanki inokukuvumela ukuba uthenge ikhaya elitsha, nokuba ikhaya lakho likhona ngaphantsi kwamanzi. - Ukuthengiswa okufutshane kweSicwangciso
Akunakwenzeka ukuba ibhanki ikunike isicwangciso esifutshane sokuthengisa kwikhaya lakho elikhoyo emva kokuthenga ikhaya elitsha-nokuba ngaba uhlangabezana neziqinisekiso ukuba ube namakhaya amabini. Ibhanki ayiyi kukuvuza ngenxa yeemali zakho zemali ukucinga kwangaphambili. Ukongezelela, ibhanki iya kubona ukuba ngaphambili ufanele ukufumana amakhaya amabini, kwaye ujabulele ukulinganiswa kweentengo zemboleko; kutheni i-bhanki kufuneka ikuvumele ukukhupha kule ndawo?Ukuguquka kuyo yonke le nto kukuba unobunzima bezezimali, ngoko awuyi kufaneleka ukuthenga ikhaya elitsha kwindawo yokuqala. Nangona kunjalo, ukuba ubunzima bakho bezemali bunokukhawuleza, ngaphandle kwesaziso kunye nokugqithiseleyo, unokufanelekela ukukhululwa.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.