Ngenxa yokuba unokufuna ukucinga kabini malunga nokwenza isibonelelo kwi-pre-foreclosure, ikhaya elifutshane elithengiswayo.
Akunjalo nje njengoko ungakholelwa kwaye bambalwa kakhulu abanako ukuvala iintsuku ezingama-30 okanye ngaphantsi.
Uninzi lwam abathengi basekhaya be-Sacramento balinde iiveki ezi-6 ukuya kwiinyanga ezili-6 ukuvalela ngokuthengisa okufutshane, ngamanye amaxesha.
Yiyiphi Intengiso emfutshane?
Ukuthengiswa okufutshane okufutshane kuthetha ukuba umboleki-mthengisi uzimisele ukwamukela umvuzo wokunciphisa ukukhupha imali ekhoyo. Kungenxa yokuba ipropati ibhaniswe kunye nemigangatho emfutshane yokuthengisa ayithethi ukuba umboleki uya kwamkela isipho sakho, nokuba umthengisi uyayamukela. Kungenxa yokuba abathengisi kufuneka bafanele ukuthengiswa okufutshane. Ukuba umthengisi wabo uthengisa iimpahla ezimbalwa ezithengisayo, iiflegi ebomvu kumthengi wakho.
Qaphela ukuba umthengisi akufuneki ukuba angenzi phantsi - ukuba ayeke ukwenza iintlawulo zemali-mboleko - phambi kokuba umboleki-mali aqwalasele ukuthengiswa okufutshane. Umboleki angaqwalasela ukuthengisa okufutshane ukuba umdayisi ukhoyo kodwa ixabiso liwile. Umthengisi unokuba ne-over-encumered, owe ngaphezu kwekhaya elifanelekileyo, ngoko ke intengo ehlaziyiweyo ingazisa intlawulo ngokuhambelana nexabiso lentengo , kungekho ngaphantsi kwayo.
- Izinto ezi-6 zokwazi malunga nokuthengisa okufutshane
- Ukulindela ukuVunywa okuSifutshane
- Izizathu ezi-11 EZINGAKHO ZITHENGA Ukuthengiswa Okufutshane
Hlola iiRekhodi zikaRhulumente
Yenza uphando lwakho ngaphambi kokuba wenze isipho sokuthenga. I-arhente yakho inokufumanisa ukuba ngubani onesihloko, nokuba isaziso sokuqhawula isifakiwe kwaye sinokukweleta kangakanani kumboleki. Oku kubalulekile kuba kuya kukunceda ukuba ufumane ubungakanani bokunikela.
Khumbula, iibhanki azikho phantsi koxinzelelo ukuba zamkele ukuthengiswa okufutshane ukuze isibonelelo sifanele sibe nengqiqo.
Ukuba kukho iingxowa-mali ezimbini , unokuba neengxaki. Isikhundla sokuqala sokubolekwa kwemali mboleko sikhuselwe ngumboleki wesibini, ngaphandle kokuba umnini-mboleko wesibini engafuni ukukhangela ngaphambili. Ukuba umthengisi uhlawula i-$ 160,000 kwi-yokuqala kunye ne-40,000 yee-2000 kwi-sibini, ukunikela i-$ 160,000 engashiyi nto yesibini. Owokuqala uya kufuna ukunika into yesibini ukufumana intsebenziswano yayo, kodwa ayikho into enokucinga ngayo. Ngokuqhelekileyo i-$ 3,000 ukuya kwii-6,000 zamawaka iyamkeleka.
- Qinisekisa uhlobo lwakho lweeMarike
- Iyintoni Inqubomgomo Yesihloko?
- Indlela Yokufumana Ukuthengisa Okufutshane
Hamba i-Agent ngeZiko lokuThengisa elifutshane
Sisinye isiteleka ngokuchasene nawe ukuba i-agent uluhlu aluzange lusetshenziswe ukuthengiswa okufutshane, kodwa kulubi nakakhulu ukuba i-agent yakho ayinayo amava kule ndawo. Musa ukungena kwiimeko apho unemfama ekhokela imfama. Udinga i-arhente esithengisa iifutshane ezinokuthi ungalindela umonakalo kwaye unqande iingxaki ukuba zenzeke.
I- arhente enamava okuthengisa okufutshane aya kunceda ukukhawuleza ukuthengiselana kwakho kwaye ukhusele iimfuno zakho. Awufuni ukuphosakela nayiphi na inkcazelo ebalulekileyo ngenxa yokungakwaziyo okanye ukufumanisa ukuba ukuthengiselana kwakho akuyi kuvala ngexesha ngenxa yokuba akukho mntu utyhafisayo ukulandeleka ngexesha elifanelekileyo.
- Fumana i-Agent Sales Sale
- Ngaba Ufanele Uqashe Ummeli Wentengiso Efutshane ukumela wena?
- Indlela abadayisi abanokukukhansela ngayo ukuthengiswa kwakho okufutshane
Ukufaneleka kwePropati kunye noMthengisi ngokuThengiswa okufutshane
Umboleki-mali akanakwenzeka ukuba avume ukuthengiswa okufutshane ngaphandle kokuba umthengisi akanalo ubulungisa kwaye akakwazi ukuhlawula umlinganiselo phakathi kwexabiso lakho lokuthengisa kunye nemali-mboleko ekhoyo. Abadayisi kufuneka banikele unobumba obunzima kumthengisi. Abathengisi banakho ukuhlawulwa irhafu kwixabiso leetyala elixolelwe.
Umthengisi endiyaziyo ukuba unyanzele ukuba umthengi ahlawule i-$ 1,000 yokuthengisa ukuba anikwe ilungelo lokuthenga ipropati yomthengisi. Sathi cha. Lobu buqhetseba. Umboleki-mali uthengisa ngokusemthethweni ukuba umthengisi. Musa ukukhwabaniswa ngabadayisi abacebisa lo mkhuba. Ngokuthengiswa okufutshane, umthengisi akafumani mvuzo ngenxa yokuba umboleki-mali ulahlekelwa yimali. I- HAFA ukuthengiswa okufutshane kwakuba yinto engafaniyo, kodwa ezo zingekho.
- Iimfuno ezimfutshane zokuthengiswa kweentengiso
- Kutheni iibhanki zilahla ukuthengisa okufutshane
- Iimpazamo ezithengisayo ezifutshane
Hambisa amaxwebhu kunye neNkonzo yokuThengwa kuMthengisi
Xa umthengisi esamkele isipho sakho, i-arhente yoluhlu iya kuthi kumboleki ukuba avunywe. Awunayo intsebenzo de kube umbolekisi uyavuma. Kwakhona, umnini-mboleko uya kufuna ikopi yemali yakho yesigxina kunye noqinisekiso lwemali . Musa ukumangaliswa ukuba ngaba umboleki uyacela ukuba ukwandise intengo yakho yokuthengisa.
Ukongeza, umnini-mboleko uya kufuna ukubona ukuba unomboleko wakho okhoyo kwaye uvunyiwe. Thumela ikopi yangaphambili yokumenywa kwangaphambili kwendoda -mboleko, ngomhla weentsuku ezingama-30 zokugqibela. Kuya kunceda ukuba i-arhente yakho ithumele uluhlu lweentengiso ezifaniswayo ezixhasa ixabiso olinikezelayo ukuhlawula ikhaya.
- Indlela yokuThengisa ukuThengiswa okufutshane
- Ukuthengiswa okufutshane
- Ukuphatha ukuthengiswa okufutshane okuthengisayo kwi-default
Nika ixesha elifutshane ukuthengiswa kwexesha lokuphendula
Yenza isipho sakho siphephe kwi-lender's acceptance. Nika umnini-mboleko ithuba lokuphendula, emva koko, uya kukhululeka ukucima.
Abanye ababolekisi bathengisa ukuthengisa okufutshane kwikomiti, kodwa abaninzi banokwenza isigqibo kwisithuba seveki ezimbini ukuya kwiinyanga ezintathu. I-arhente yohlulo kufuneka ibe nolwazi olufanelekileyo loqhagamshelwano lomboleki. Njengomthengi, awukwazi ukuqhagamshelana nomboleki okanye unakho i-agent yakho, ngoko ube nomonde.
- Ukukhusela Idilesi yakho Yokholo Elihle
- Iingcebiso Zokuthenga Iintetho Zokuthengisana
- Ukubhalwa kweeNtengiso zeMakethe
Qonda iiKomishishini zokuThengisa ezifutshane
Kungakhathaliseki ukuba ikhomishini, umdayisi uvumelekile ukuhlawula, umboleki-mali nguye owamkela ikhomishini. Nangona umdayisi engagcinanga nayiphi na imali, umthengisi uhlawula ikhomishini evela kwimveliso yentengiso. Umboleki-mali uya kuxoxisana ngqo nekhomishina ngqo kunye nomrhwebi woluhlu, oya kuthi ke abelane ngekhomishini kunye ne-arhente yakho.
Ukuba uthe wasayina isivumelwano somthengi kunye nomthengisi wakho, cela ukuba i-agent iyakunqumla umgama okanye kufuneka uhlawule ngaphandle kwepokothini lakho. Abanye abathengisi banomuva wokungalungi ukugweba i-ejenti, kodwa umboleki-mboleko ubiza izibhengezo.
- Ngubani omelela iKhomishoni yeZindlu eziMahia?
- Indlela yokuThetha ngeeKomishoni zangaphandle zeeMpahla
- Izivumelwano zoMthengi
Ukugcina ilungelo lokuqhuba uhlolo
Ngokuqhelekileyo, umnini-mboleko akayi kuvumela umthengisi ukuba akhokhe izinto zesiko ukuba umthengisi wendabuko uza kuhlawula. Ezi ziquka izicwangciso zokukhusela ekhaya kumthengi, ukupakisha / ukuphazamiseka / ukuhlolwa kwexesha lokugqibela kunye nokugqitywa kwezilwanyana. Umthengi uya kucelwa ukuba athenge ipropati "njengoko kunjalo," oku kuthetha ukuba akukho ukulungiswa.
Kubaluleke kakhulu ukuba umthengi afumane ukuhlolwa kwekhaya. Buyela kwiNkqubo yokuThengisa ukuThengiswa okufutshane
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.