Ubani Ubuncwane Bokuthengisa Okufutshane?

Ukusasaza ngeMali evela ekuthengisweni okufutshane

Kubathengisi basekhaya ababolekisa umboleki ngaphezu kwekhaya labo bafanelekile, akunjalo njengokuba kunzima, kodwa ukuthengisa okufutshane kukuvumela ukuba umthengisi enze inzuzo. Ezinye iibhanki ziya kuhlawula abathengisi ukuvuselela ukufudukela kunye nezinye iiprogram zinikeza izikhuthazo ezikhethekileyo, kodwa inxalenye enkulu, umthengisi akafaki iipokethi ezithengiswayo.

Ukuthengiswa okufutshane kuthetha umthengisi okanye i-agententengiso yomthengisi uthengisa ikhaya kumthengi kwixabiso lemarike okanye okanye kufuphi nexabiso lemarike , kwaye umboleki uyavuma ukungenisa imali njengentlawulo epheleleyo kwi- mortgage , nangona intengo yokuthengisa ingaphantsi kwezinto ezikhoyo.

Ingcipheko ngababolekisi akudingeki ukuba bathethe iingxoxo ezihlawulelwayo, kwaye akukho siqinisekiso sokuthi umnini-mboleko wakho uya kukuvumela ukuba wenze ukuthengisa okufutshane .

Ngubani Owenza Inzuzo Ngokuthengiswa Okufutshane?

Umbuzo wukuthi umdayisi akenzi imali ngeentengiso ezimfutshane, ngubani owenza imali? Ngenxa yokuba uyazi ukuba umntu uza kuphuma phambili. Kwaye akuyi kuba ngumthengisi. Inyaniso yiyo yonke into phantsi kwelanga iya kwenza imali ngokuthengiswa okufutshane ngaphandle komthengisi.

Makhe sijonge ukuba ngubani ozuza kwingxelo emfutshane yokuthengisa:

• I-Mortgagee ekhoyo izuza inzuzo kodwa ayiyomfuneko inzuzo

  Umboleki-mali okhoyo unqanda ukukhutshwa kwefayili, ugweme ukuthwala ipropati kwiincwadi xa kungekho mntu uzithengayo kwintengiso kwaye ugweba ixesha kwi-marike efuna umthengi walo.

• AbaLawuli beeNcwadi kunye nabaThengi baThengiweyo Inzuzo evela kwiShishini elifutshane.

  Kuyavunywa, i-arhente inokuthi ithatyathwe kwikhomishini kuba umboleki-mboleko unokugxininisa ukunciphisa umrhumo, kodwa umgca wee-arhente kunye nabathengi babo bahlawulwa ngokuthengisa loo propati.

• IiNkampani zeSihloko zizuze kwiShishini elifutshane

  Inkampani yeTile ikhiphe umgaqo-nkqubo womninimzi ngokubhekiselele kumthengi omtsha kunye nomgaqo-nkqubo we- ALTA ukulungiselela umthengisi omtsha. Kwamanye amazwe, iinkampani zetekisi zibonelela ngeenkonzo ezingabonakaliyo, kodwa, kungakhathaliseki ukuba zihlawulwa.

• IiNkampani zeeSkredishment zenzelwe ukuthengiswa okufutshane

  Kuloo ndawo apho iinkampani zenkampani ezixhamlayo zisebenza njengabantu abathathu abazimeleyo kwiintengiso zezindlu, ezi nkampani ziphuma phambili, nazo. Zihlawulelwa ngumboleki okanye umrhumo uyahlula phakathi komboleki kunye nomthengi.

• Amagqwetha aMaZwe angamaZindlu angaNcedisa ngokuThengiswa okufutshane

  Abathengisi bentengiso emfutshane mabahlale befuna iingcebiso zomthetho ngaphambi kokuba bangene kwisivumelwano sokuthengisa ngokufutshane. Ngoko ke, amagqwetha ahlawulwa. Amanye amagqwetha athetha ngokukhethekileyo ekuthengiseleni ukuthengisa okufutshane kunye nentlawulo yelo nkonzo.

• Abacebisi bezeRhafu kunye neCPAs Inzuzo evela kuThengiswa okufutshane

  Abathengisi bentengiso emfutshane mabahlale befuna iingcebiso zerhafu ngaphambi kokuba bangene kwisivumelwano sokuthengisa ngokufutshane. Kukho ukuhlawulelwa kwentlawulo ngenxa yokuxolelwa kwetyala .

• INkonzo yeNgeniso yangaphakathi Inokuthi inzuze ngokuthengiswa okufutshane

  I-IRS iya kuqokelela isabelo sayo esilungileyo xa umboleki-mali enika i-1099 kumthengisi, ukubonelela umthengisi ngokuxhomekeka kwerhafu kwintengiso emfutshane.

• Umthengi Ngamancedo Ngokuthengiswa Okufutshane

  Kungenzeka ukuba umthengi uthenge ipropati okanye okanye ngaphantsi kwexabiso lentengo, ehlawula umthengi kwisakhiwo. Ngokuxhomekeke kummandla welizwe kunye nekommandla, kunokunciphisa irhafu yerhafu yerhafu. Kungakhathaliseki ukuba intlawulo yomthengi iyancitshiswa ngenxa yokuba umboleko ungaphantsi.

• I-New Lender yenza inzuzo ngokuthengiswa okufutshane

  Umboleki omtsha wenza imali ngenxa yokuba umboleko omtsha uvelisa ishishini elitsha kunye nengeniso entsha. Umboleko omtsha uhlawula umgcini - phantsi kunye nomprojekti wemboleko.

• I-Incraiser Benefits From Sale Short

  Nangona ipropati ingathengisa ngexabiso lentengo, i-lender entsha iya kufuna ukuba umthengi athathe uvavanyo . Abahloli bafumana i-$ 250 ukuya kuma-650 e-appraisal.

• I-New Mortgage Broker Benefit evela kuThengiselo olufutshane.

  Ukuba umboleki womthengi ubandakanyeka ukupakishwa ngumthengisi wemboleko , lowo mntu uya kuhlawulwa ngamanqaku emboleko. Ngaphezu koko, i- YSP inokuvelisa i-paycheck enkulu kunomthengisi wemboleko.

• Uxhasomali weRhafu kaNxweme ngoMeyi okanye angenakuncedisa ngokuthengiswa okufutshane.

  Kwiindawo apho ipropati iphinda ihlaziywe xa kuthengiswa, umhloli weerhafu uya kuqhubeka nokuqokelela irhafu yepropati ngexesha elifanelekileyo kwaye mhlawumbi kwixabiso eliphezulu lokuvavanya ngenxa yexabiso lokubuyisela. Ukuxhaswa kwemali mboleko ayiyikuchaphazela ukuhlolwa kweerhafu.

• IiNkampani zeInshshurensi zizuze ukuthengiswa okufutshane

  Ikhampani ye-inshurensi yomthengi ithatha i-premium yokuqinisekisa umthengi kunye nekhaya elitsha. Ukongeza, i-inshurensi ye-inshorensi ifumana ikhomishini kumgaqo-nkqubo we- inshorensi yomnini .

Nangona kunjalo kukho esinye isizathu esihle sokuba umthengisi enze ukuthengisa okufutshane. Ukuthengiswa okufutshane kufuthe kwiTyala kunye nokuThengwa kwaseKhaya . . . funda ngakumbi .

_{Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.}