Umbuzo: Ngaba uMthengisi unembopheleleko kuMthengi ngokuKhetha ukuVala ukuThengiswa okufutshane?
Umfundi uyabuza: Ndiyilungu eliyingozi kakhulu, kwaye ndiyanxibelelana kuba ndicinga ukuba uyazi impendulo kule nto. Abathengi bam bathengisa ukuthengisa okufutshane . I-arhente yokurhweba isinike ikopi yesaziso esivumelekileyo sokuthengisa kunye kwaye isitshele ukuba sivunyiwe. Abathengi bam bahlawula i-appraisal, kwaye sihlolisise ikhaya , kunye nokuhlolwa kwezilwanyana. Bachitha imali engaphezu kwe-1 000 kwiimali ezingaphambili. Ngoku umthengisi wenqaba ukuvala ukuthengisa okufutshane. Ngaba sinokumangalela umthengisi okanye simenze asondele? Ingaba umthengisi uxanduva kumthengi ngokungafuni ukuvala intengiso emfutshane? " - ICalifornia REALTOR®
Impendulo: Mhlawumbi into endibuzayo ukuba ngaba umthengisi uyaxanduva kumthengi ngokungafuni ukuvala intengiso emfutshane kuba impendulo oyifumanayo kummeli omthengisi omfutshane unokuthi: "Inja ehambayo, masihambe enkundleni . "
Ndicinga ukuba phantse naliphi na ixesha unelinye igqwetha kwindawo efanelekileyo yokwenza imali eninzi isekelwe kwingcebiso yegosa, unakho ukuxabana. Kufana nokucela ugqirha ukuba asebenze. Njengokuba ucela unwele wezinwele ukuba ufuna ukunqunyulwa kweenwele zakho. Okanye ucele unobhala wokuthengisa we-Nordstrom ukuba uthenge ezo zimpomps ezibomvu ze-patty Jimmy Choo. Ewe, o, ewe.
Ngakolunye uhlangothi, ngokundibuza ngetyala lomthengisi, andinako ukubonelela ngombono wezomthetho kuba andisuye igqwetha kwaye andizenzi umthetho. Njenge-agent ye-real estate njengawe, andinako ukunika iingcebiso zomthetho. Ndiyakwazi, ke, ndabelana nawe ngeengcinga zam malunga nomthwalo wemthengisi ngokusekelwe kum namava am ngokusingatha ukuthengisa okufutshane kwiCalifornia.
Ngokuqinisekileyo ndiyakwazi ukuqonda umsindo wakho kule meko. Apha, unabo abathengi abakholelwa ukuba umthengisi wayesebenzisana nentengiso emfutshane kwaye, ngokusekelwe kule nkolelo, abathengi basebenzisa imali eninzi yophando kwipropati ekulungiseleleni ukuvala. Unokuziva ucukisiwe kwaye ukhohliswa. Unokucinga ukuba umthengisi waphula isivumelwano esilungileyo sokukholwa kwisivumelwano.
Kodwa kukho iziqendu ezimbini ezibalulekileyo zedokhumenti mhlawumbi ezifakwe kwisivumelwano sakho sokuthenga, esiya kumvumela ukuba umdayisi ahambe kude nokuthengisa okufutshane.
IsiHlomelo esiThengiweyo sokuThengisa IsiThengisi sokuThengiswa esifutshane Sukumka Ukuvalwa
I-CAR ishintsha rhoqo kwaye ihlaziywe iifom zayo ze-real estate, kwaye i-addendum esithengiswayo esifutshane, i-SSA, ayikho. Ezinye ezininzi zilandela i-suit kwaye zisebenzisa iifomu ezifanayo ukuchaza imiphumo yokuthengiswa okufutshane kuba izivumelwano zokuthenga eziqhelekileyo azijongisi ukuthengisa okufutshane.
Isalathisi esithengiswayo esifutshane sithi umthengi kunye nabathengisi akuvumelekanga ukuba bavumelane naluphi na umgaqo-mboleko omthengisi omfutshane. Unokuthi inyaniso ukuba umthengisi avumele abathengi bakho bachithe imali ekuhloliseni oku kuthetha ukuba umthengisi wayinike imvume. Inkundla ingavumelana kwaye ithi imvume imele ibhalwe phantsi kuba zonke izivumelwano zendawo yokuhlala kufuneka zibhaliwe.
Isihlomelo esithengiswayo esifutshane sitsho nokuba umthengi kunye nomthengisi bajongene neendleko zabo, nokuba ngaba elinye lala maqela liyakudlulisa ukuthengisa okufutshane .
Isaziso seMarsions Mortgage Relief Sivumele ukuba uMthengisi omfutshane uthengise ekupheleni
I-Assistance Assistance Services Relief Services I-Offer yeSaziso sokuXhaswa kweMali yokuHlawula iMali siyiphumo sesigqibo seFTC esibizwa ngokuba yi-MARS.
Bonke abameli bezindlu zithengisa ukuthengisa okufutshane kummandla wonke kufuneka banikeze ikopi ye-MARS ukunikezelwa kumthengisi phambi kokuba umdayisi unyanzelekile ukuhlawula ikhomishini. Kwaye, abathengisi bahlawula ikhomishishini ngokuthengisa okufutshane. Iikhomishini zihlawulwa kwimali yentengiso.
Izinto ezisiseko ze-MARS zilandelayo:
- Umthengisi angayeka ukwenza ishishini kunye ne-arhente yohlulo nangaliphi na ixesha.
- I-arhente yokurhweba ayinxulumene no rhu lumente okanye ayivunyelwe ngu rhu lumente.
- Umthengisi omfutshane umthengisi angeke avumele i-offer.
- Ukuba kwaye nini na isibonelelo sikhutshwe ngebhanki elifutshane lokuthengiswa, umthengisi unelungelo lokulahla isipho.
- Ukuba umdayisi uyamkela umnikelo, umthengisi uya kuhlawula intlawulo echazwe kwi-arhente yohlu.
- Ukuba umthengisa uthengayo umnikelo, umdayisi akakhokhina nto kwi-arhente yohlu.
- Imali yerhafu ye-arhente yoluhlu ichazwa.
- Ukuba umthengisi uyeka ukuhlawula imali, umthengi wekhredithi uyahla phantsi iibhubhu kunye nomthengisi angalahlekelwa ngumzi.
Okwangoku, eCalifornia, amanxusa afuneki ukuba athenge abathengi ikopi ye-MARS ukuchazwa - kungekhona i-MARSSN okanye i-MARSMRN. Ngoluvo lwami lobuntu ukuba ukususela ngomhla wama-MARS, umthengisi unqande ukuthengiswa okufutshane nanini na phambi kokubhaliweyo okubhaliweyo kwileta yokubhengezwa kwintengiso emfutshane, umthengi makangeniswe olu bhengezo.
Umgca ophantsi ukuthengiswa okufutshane ngokuqhelekileyo kuthengiswa okudandathekileyo . Kwiimeko ezinokudityaniswa kweentengiso, abanini bezindlu banamalungelo athile. Akukho mntu unokuphumelela ekwenzeni umdayisi athengise ikhaya lakhe njengentengiso emfutshane ukuba umdayisi akafuni ukuthengisa. Ukuthengiswa okufutshane kukukhetho. Kodwa akuthethi ukuba awuyi kufumana igqwetha elikulungele ukuhamba kulo.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.