Iimakhaya zichazwa njani njengeentengiso ezimfutshane?
Nangona ukuthengisa okufutshane kukuye kwithuba elithile, ngaphambi ko-2005, abaninzi abantu babengazange bakuve ngokuthengisa okufutshane. Ukuba ubucelile umthengi wekhaya okanye umthengisi emva koko: yiyiphi intengiso emfutshane, mhlawumbi abakwazi ukukuxelela. Ngoko, ukuba uyazibuza ukuba yiyiphi intengiso emfutshane, awukho yedwa.
Okokuqala, qaphela ukuba kukho inkcazelo engakumbi nge-intanethi malunga nokuthengisa okufutshane. Unama- agent amaninzi e- estate , ama-seminars okuthengisa amfutshane, kunye namagqwetha abafuna ibhishithi yeshishini elincinci ngokubhengezwa nokuthumela kwiiwebhusayithi ezijongene nokuthengisa okufutshane.
Uza kufunda okuthile malunga nokuthengisa okufutshane kwiwebhusayithi enye eya kuba yintlukwano ngqo kunye nolwazi olufumaneka kwenye indawo.
Oko akuthethi ukuba inkcazelo oyifumayo malunga nokuthengisa okufutshane kukungalunganga. Kuthetha ukuba utshintsho olutshane lokutshintsha kwaye imithetho iyashintsha rhoqo. Ukuthengisa okufutshane kukuhlala kuhamba. Okanye, ithetha ukuba indawo okhoyo kuyo yabhalwa yi-idiots. Kunzima ukuthetha.
Ziziphi Iimveliso ezimfutshane?
Uyakuva intsingiselo yokuthengiswa okufutshane ukuba abanikazi abanakho, kodwa leyo ayiyona inkcazelo echanekileyo. Akuthenganga zonke iimpahla ezimfutshane zidinga ukusilela. Akunabo bonke abathengisi bentengiso emfutshane ekugqibeleni.
Ukuthengisa okufutshane kufakwenzeka xa ibhanki ivuma ukuba yamkele inzuzo engaphantsi kwemali yemali mboleko. Isixa sakho sokuthenga imali asibalulekile. Yintoni ebalulekileyo ixabiso lentengiso lekhaya lakho.
Unokwenza ukuthengiswa okufutshane ukuba ikhaya lakho lixabise ngaphezu kwemali yakho yokubolekwa kwendleko, nje kuphela ukuba imali enetyenziselwano encinci ingaphantsi kwe-balance balance of your loan.
Ngokuchasene neenkolelo eziqhelekileyo, ikhaya lakho akudingeki libe yindlu engaphantsi kwamanzi ukwenza ukuthengiswa okufutshane, nangona amakhaya amaninzi angaphantsi kwamanzi.
Yintoni eyenza iKhaya lithengiswe ngokufutshane?
Yimali yentlawulo ebhanki echonga ukuba ngaba ikhaya lithengiswa ngokufutshane. Ukuba inzuzo yentengo yokuthengiswa ingaphantsi kwexabiso elihlawulwa kwibhankini, ke loo khaya yintengiso emfutshane .
Oku kuya kwenzeka nangona ikhaya lixabisa ngaphezu kwemali.
Ukuze ubonise kangcono, cinga ukuba ikhaya lakho lifanele u-$ 200,000. Imali yakho yokuthenga imali, masithi, i $ 190,000. Emhlabeni, oku akubonakali ukuba ngaphantsi kwamanzi okanye ukuthengiswa okufutshane. Nangona kunjalo, xa uthetha iindleko zokuthengiswa, awuyi kuba nemali eyaneleyo yokuhlawula ngokugcwele imali. Emva kokuba ufumanisa iindleko zokuvala umthengisi wakho, kubandakanywa ikhomishini, unokufumana ukuba isixa-mali sinokuba ngama-16,000 okanye ngaphezulu.
Iimali ezingama-200 000 zamaRandi eziyi-16 000 ekuvaleni iindleko zilingana nethenda eyi-184,000. Kulo mzekelo, uneminyaka eyi-6,000 efutshane ukuhlawula imali yakho. Ukuba unayo i-$ 16,000 ebhankini kwaye ufuna ukuyivala, ungenza oko, kwaye ke le ntengiso ayiyi kuthatyathwa njengentengiso emfutshane.
Ukuba awunayo i-$ 16,000 kwaye ufuna ukuthengisa, unokucela ukuba ibhanki yenza ukuthengiswa okufutshane. Ukuba ibhanki iyavuma ukwamukela i-R44,000 yeemali kwi-intanethi, ngoko ukuthengiswa kwakho kuba yintengiso emfutshane.
Iintengiso ezimfutshane zithengiswa njani xa umthengisi engekho kwi-default?
Nangona ukuthengisa okufutshane okufutshane kukubandakanya ikhaya ekungqiniweyo , kungekhona yonke into emfutshane ukuthengiswa kwezinto ezilindelekileyo. Ayikho yonke ibhanki idinga umthengisi omthengisi omfutshane ukuyeka ukwenza iintlawulo zempahla . Abanye abathengisi banakho ukufumana ukuthengisa okufutshane ngaphandle kokuhlawulwa kwemali.
Ngeebhanki ezininzi, kunokwenzeka ukuba okungekho phantsi - into engenakukhunjulwa ukuba ukuba umninikhaya uyaqhubeka ngendlela ethile ukuba umninikhaya uza kuhlaselwa phantsi kwendlela angakwazi ukufumana iintlawulo zemali-mboleko- ezinokufumana umthengisi. Akusoloko kuyimfuneko ukuba umdayisi awele phantsi. Ukuba umthengisi angenza ukuthengiswa okufutshane ngaphandle kweentlawulo ezikhawulezileyo ezibonisa ingxelo yengxelo yemboleko , kunokubangela iFICO engcono kumthengisi.
Kukho iibhanki ezithile ezithandekayo ukuthengisa okufutshane . Ezi zizithengiso ezimfutshane apho umthengisi angakwazi ukugcina ikhaya aze aqhubeke nokuhlawula kodwa akhetha ukungena. Ingcamango yokuthengisa okufutshane iphakamisa iintlanzi phakathi kwabanye abantu abavakalelwa kukuba le ndlela ayimkelekanga. Kungenxa yokuba abanye abantu bakholelwa ukuba banelungelo lokunyanzelisa iinkolelo zabo nokuziphatha kwabo kwelinye.
Wonke umntu unelungelo leenkolelo zakhe. Akuyena wonke umntu unelungelo lokumisela ezo nkolelo kwenye.
Ibhanki enye eye yaqhuba ngokuthengisa okufutshane i-Bank of America. Abathengisi banokufanelekela ukuthengiswa kweBhanki yaseMelika phantsi kweemeko enye ibhanki inokuphika. Ukuba umthengisi angathanda ukwenza i- Bank of America Cooperative Intengiso emfutshane , umzekelo, umthengisi kufuneka axhumane ne- arhente yentengiso emfutshane egxininise ekuthengiseni okufutshane kweBhanki eMelika.