Inzuzo kunye neengxaki zokuvumela umboleki wakho ukuba alahlekelwe imali ekhaya lakho
Ingaba kufuneka wenze ukuthengiswa okufutshane okanye uvumele ukuba ikhaya liye kwi- foreclosure lincike kwiimeko ezininzi. Ngexa kubanini bezindlu, kulula ukuphosa izandla zabo kwaye uvumele i-bhanki ithathe ikhaya, okungekho nto eyona nto ibulumko. Kungakhathaliseki ukuba yiyiphi indlela okhethayo, soloko ufumana iingcebiso zomthetho kunye neerhafu ngaphambi kokuba wenze isigqibo phakathi kokuthengiswa okufutshane okanye ukuchithwa.
IziNzuzo eziFutshane
Nazi iinzuzo ezimbalwa zokwenza ukuthengisa okufutshane:
- Ulawulo lokuthengisa, kungekhona ibhanki.
- Ungalala ngokungazi ukuba ngubani othenga ikhaya lakho.
- Uza kuzikhusela intshutshiso yentlalo yegama "F", ukuchithwa.
- Ngokuchasene neenkolelo ezithandwayo, unako ukuhlala uhlala ngoku kwiintlawulo zakho kwaye usenokufaka isicelo sokuthengisa okufutshane.
Ukuthengiswa kwekhaya lakho kuya kusingathwa njengawuphi na ukuthengiswa kwekhaya, ngenhlonipho nangesidima.
IiNzuzo zokuQala
Nazi iinzuzo ezimbalwa zokukhetha ukwenza ukucacisa:
- Isisombululo esheshayo.
- Ungayeka ukwenza iintlawulo kwaye uhlale ekhaya uze ukhishwe.
- Kweminye, impindezelo; unokuba uzive ungcono xa uqala ukuxelela ibhanki apho uya khona xa wenqaba ukulungiswa kwemboleko.
- Ukuba into ephule okanye ukungasebenzi, akumele ulungise.
- Unokushiya ikhaya emva kwaye uhambe.
Ukuthenga Emva kokuthengisa okufutshane
Izikhokelo ze-2016 zikaFannie Mae zivumela ukuba uphinde ufake isicelo sokuthenga imali mboleko emva kweminyaka emine emva kokuthengiswa okufutshane kunye ne-10 yeepesenti yokuhlawula imali.
Ukuba uthengise ikhaya lakho njengentengiso emfutshane ngenxa yeemeko ezicwangcisiweyo, unokuphinda ufake isicelo se-Fannie Mae-backed mortgage emva kweminyaka emibili kunye namaxwebhu afanelekileyo kwimeko. Unako ukufumana umboleko we- FHA ngonyaka owodwa emva kokuthengisa okufutshane.
Khumbula ukuba u-Fannie Mae kunye ne-FHA izikhokelo azikho isiqinisekiso sokuba uza kuthenga indlu emva kwexesha eliphakanyisiweyo.
Amabhanki anokuthetha okugqibela kwaye aqhele ukuquka ukugqithwa okunokuthi utshintshe izikhokelo ezisetyenziswe nguRhulumente. Cela i-ofisi yakho yemboleko ukuba icacise ngaphambi kokuxhomekeka kwizikhokelo zomgaqo-nkqubo.
Ukuthenga Emva kokuQala
Ukuba ukuchithwa kwakho kwadalwa ngenxa yeemeko ezicwangcisiweyo, unokufumana ilungelo lokuthenga elinye ikhaya kwiminyaka emithathu. Ngaphandle koko, ixesha lokulinda elimisiweyo lihlala iminyaka eyisixhenxe, inqaku likaFannie Mae kwizikhokelo zalo zakutshanje. Ngokufanayo nezikhokelo zayo ezifutshane zokuthengisa, i-FHA ivumela abo baxhomekeke emakhaya abo ukuba babuyiselwe kwimali yokuthenga emva kweenyanga ezili-12.
Ichaphazela Ngetyala
Ukuthengiswa okufutshane kunokuthi kuthathwa njengomqondiso ohlaselayo kwi-credit yakho nakuba i-credit bureaus ingasebenzisi igama "ukuthengiswa okufutshane" kwingxelo yakho yekhredithi . Ingxelo yakho yekhredithi ingafundwa "ihlawulwe ngokugcwele ngaphantsi kokuvunyelwanayo" okanye "isetyenziswe ngaphantsi," kwezinye iindidi. Izikhokelo ezithile ze- HAFA zivumela ukuba "ayikho into ebolekileyo kwi-credit" kwaye ingabonakalisa ngokuhlawulwa ngokupheleleyo. Ngokuxhomekeke kwimbali yakho yematyala, i-Myfico.com inikeza imizekelo emibini apho amanqaku okuthenga ngetyala anokuwa kakhulu emva kokugqithiswa. Ngokuqhelekileyo, ukuchithwa kwemali kuhlala kwi-credit report yakho iminyaka eyisixhenxe.
Iingcamango zokusilela
Izigwebo zivame ukuxoxisana phakathi komdayisi kunye nomthengisi omfutshane.
Kwamanye amazwe, afana neCalifornia, ukuba ikhaya lakho lihlala yakho kwaye lixhaswa ngemali ngokuthenga imali, akukho sichaso sokugwetywa .
Amabhanki ngokubanzi akafuni ukuxoxisana nezigwebo ezingabikhoyo kunye nomnini-mhlaba emva kokungqanda. E-California, umzekelo, ngokwe-California Association of Realtors, isingeniso sesigwebo singathatyathwa ngokumalunga nemboleko yemali enzima xa umboleki-mboleko ehamba phambili phantsi kokugwetywa komgwebo ngokubhekiselele kwintengiso yomphathiswa, okanye ukuba umbolekiso wesibini ngumboleko onzima wemali kwaye ukuthengiswa kwenzeka njengetengiso lomphathiswa.
Imibuzo Yemibuzo Yesicelo
Izicelo zokubolekisa azifuni ukuba ufake ulwazi malunga nokuthengisa okufutshane. Unokubika ukuba uthengise ikhaya lakho. Kodwa kunjalo, kufuneka ukuba uphendule umbuzo: "Ngaba uke waba nepropathi echanekileyo okanye wanikezelwa ngezenzo kwiindawo ezisixhenxe ezedlulileyo." Ukuba umboleki-mboleko ubona ukuba unesigxina, umboleko wakho unganqatshwa.
Ubude bexesha lokufuduka
Ukuba unesaziso sokuvalwa, unokwazi ukuhlehlisela eso senzo ngelixa ibhanki ibona ukuthengiswa okufutshane. Ukulinda imvume yokuthengisa emfutshane kungabikho kwiinyanga ezimbini ukuya kwethathu, okanye ngaphezulu. Kwinqanaba, ngaphandle kokuba kwenziwe amalungiselelo angaphambili, umnini-mboleko unokufuna ukuba uphume ngokukhawuleza kwipropati kwaye unokuqalisa ukuqhutyelwa kwenkqubo xa ulibaziseka.
Iingxalaba zerhafu
Indawo yokuhlala yedwa ikhululekile ekuncedisweni kwetyala lokubolekwa kwemali kwinqanaba lezombusazwe ngexesha nje urhulumente uyaqhubeka ekwandisa le mxolelo. Ezinye iindawo zisahlawula irhafu ngaphandle kokuba ulungele ukukhululwa. Umtyalo-mali akasayi kuxolelwa kwiinkxaso zemboleko zetyala , phantsi kwemiqathango ethile. Kubanikazi abanokuthi bangenele emakhaya abo, abanye ababolekisi bathumela ngokukhawuleza ama-1099, ababizela inani lempazamo njengembuyekezo kumnini, nangona umnikazi akhululwa.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.