Umfundi uyabuza: Ibhanki yam ithi, ukuze ndiyenze ukuthengiswa okufutshane, kufuneka ndithumele ibhanki igunya lomntu wesithathu. Iyintoni le fomu kwaye kutheni ndiyayifuna? Ndizamile ukukhangela i-intanethi kule mpendulo kwaye konke ukukhangela kwam kungizise kwiwebhusayithi yakho. Ngokuqinisekileyo unolwazi oluninzi malunga nokuthengisa okufutshane. Ngaba unokundixelela ukuba isigunyaziso sesithathu sinjani kwaye kutheni ndifanele ndiwusayine? "
Impendulo: Yonke ibhanki idinga igunya lomntu wesithathu. Andizange ndisebenze kunye neziko elibolekayo elingazange lilifune ukuthengisa okufutshane . Amabhanki angatyholwa ukwenza izinto ezininzi ngendlela yangasese njenge-foreclosure fiasco kunye nokungafuni ukulungiswa kwemali mboleko yabanini-phantsi bamanzi, kodwa abayi kuthetha nawuphi na umntu obiza ngokukhawuleza ukuba abuze malunga nomboleko wakho. Kulapho ukugunyazwa kweqela lesithathu kungena.
Injongo yoGunyaziso lwamaThathu
Ibhanki ayiyi kukuxelela oku, kunjalo, kodwa injongo yesigunyaziso sesithathu ukukhusela ibhanki ukuba ilandelwe nguwe. Ibhanki yakho ngokuqinisekileyo iya kwenza ubomi bakho bube buhlungu njengokuba ufumana iindlela ezahlukeneyo zokutsala ukuthengiswa kwakho okufutshane, kodwa nguGeorge, kuya kuqinisekisa ukuba kulandelelaniswa neprotocol xa kufikelele ekuxoxeni ngolwazi lwakho lwezemali lomntu kunye nomnye umntu.
Ezi zilandelayo ziyinxalenye ezisisiseko ezisisiseko zesigunyaziso sesithathu:
- Igama labanye abantu bachazwe kwiimpepha zokubambisa
- Idilesi yepropati, isixeko, urhulumente kunye ne-ZIP
- Igama leqela eligunyazisiweyo ukuthetha nebhanki yakho (inokwenzeka ukuba i- arhente yakho yendawo yokuhlala ) kunye nolwazi lokuqhagamshelana, kuquka idilesi, i-imeyile, kunye neefowuni / yefeksi
- Inombolo yakho mboleko
- Ixesha lokugunyazwa, ukususela ekuqaleni ukuya ekupheleni
- Umhla ugunyazisiweyo usayinwe
- Indawo yokutsayina kwakho
- Ukuchongwa komntu siqu njengamadijithi amane okugqibela eNombolo yoKhuseleko lweNtlalo
Ufumanaphi igunya lokuVunywa kweThathu?
Ndadala igunya lam elithathu lesigunyaziso sokusetyenziswa kwi-Sacramento yokuthengisa mfutshane. Uninzi lweebhanki liya kwamkela ifom elandelayo okanye ukuhluka kwayo:
"Kucelwa uqwalasele le ncwadi ebhaliweyo igunya lokuthetha nabarhente bam uluhlu malunga nemboleko engenhla. Banayo imvume epheleleyo yokuxubusha imeko yombolekisi wam kunye nawe, kwaye ndixoxisane ngenxa yam xa isibonelelo sokuthenga senziwe. ivumelekile ukususela ngomhla ka-TODAY NGOMHLABA 12 KWAMANZI OKUYA MANJE. I / sinika imvume yethu epheleleyo ukuba sikhululwe lonke ulwazi malunga nemboleko yethu kula maqela alandelayo: "
Unokucela kwakhona i-agent yakho ye-estate ukunika ifomu lakhe lesigunyaziso seqela lesithathu. I-arhente yakho inokufumana le fomu kumbutho wendawo we-REALTORS®. Enye inketho kukucela ibhanki yakho kwifomu. Phantse yonke ibhanki inesimo sayo.
Ngaphezu koko, kunokwenzeka ukuba ibhanki inokukhetha uhlobo lwayo, ngoko cela. Ukuba ibhanki ikunika igunya eligunyazisiweyo lesithathu, kungenzeka ukuba uxwebhu ludinga ukuba luphawulwe.
Ukuba kunjalo, kuya kufuneka uhambe kumanothi wengxelo yomntu kwaye uhlawule umqapheli ukuba uqinisekise umqondiso wakho.
Uhlobo lwesiBini lweGunya lokuSetyenziswa kweThathu
Olunye uhlobo lwesigunyaziso seqela lesithathu ligunyaziso lomntu wesithathu. Amabhanki acela abanikazi bezindlu ukuba batyikitye olu hlobo lokugunyazwa xa kukho imali ebolekileyo kwintengiso emfutshane . Umboleki-mboleko ophezulu unokufuna ukuba athethe nomntu omncinci ngokubambisa ngokuhlawula umthengi omncinci umrhumo othile ukukhulula umboleko.
Umboleki ophezulu ufuna imvume yakho yokuxoxa ngesimo sakho kunye nomthengisi omncinane. Le mvume ibonakaliswe kakuhle ngokubhaliweyo. Kwakhona, i-mortgage lender yakho ayifuni ukuba uyibophise. Ukuququzelela ukuthengiswa okufutshane, ababolekisi abancinci kufuneka bakhululwe imali yabo engenasiphelo esivela ekhaya. Abaninzi ababolekayo, nokuba bengenalo ukhuseleko lokuthenga imali, abayi kukhulula umboleko wabo ngaphandle kwenye yembuyekezo.
Ingxoxo phakathi kwesikweleti sakho semali mboleko kunye neendleko zakho zokuboleka imali ezinokubaluleka kwemali ezingabalulekanga ekufumaneni imvume yokuthengisa emfutshane . Ingumthengisi ophezulu wendleko-mboleko oza kuhlawula iipeneni zemali zendleko zokuthenga imali ephantsi kwidola evela kwimali yentengiso.
Iimpawu zeGunya lokuQinisekiswa kweThathu elincinane
Izibonelelo ezixhomekeke kumagunya omntu ophezulu obolekisa ilungelo lokunxibelelana nomboleki wakho omncinci. Ingakumbi inokunika ilungelo lomthengisi wakho ophezulu ukuhambisa amaxwebhu okanye ukufumana amaxwebhu avela kumniki-mboleko omncinci ukugqiba ukuhlaziywa kokuthengiswa kwakho okufutshane. Ezi zilandelayo zilandelayo zibonakaliswe kumqulu:
- Ingama lakho
- Igama lakho eliphezulu lomthengisi
- Igama lakho lomncinci
- Inombolo yakho mboleko mboleko
- Idilesi yakho yepropati
- Umhla kunye nomqondiso wakho
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.