Kukho ezinye iinketho kwiindawo ezingaphantsi kwamaManzi ngaphandle kweThengiselo elifutshane
Umuzi wakhe ungaphantsi kwamanzi. Ngaba uMaria kufuneka athenge ngokufutshane ?
Okokuqala, uMaria akafanelekanga ukuthengiswa okufutshane . Akanayo ubunzima bezezimali. Unayo ikhaya elingaphantsi kwamanzi ngaphandle kokulingana. Okwesibini, uMaria akafuni ukuba ukunyaniseka kwakhe kwesikweletu kuchatshazelwe okanye i- FICO yakhe isikolo sokuwa. Ukuthengisa okufutshane kukuchaphazela i-credit . Okwesithathu, uMaria ufuna ukuthenga elinye ikhaya. Uvakalelwa kukuba ummelwane wakhe uye wahlahlakala ngaphezu kweminyaka kwaye, njengowesifazane ongumthengi womthengi ekhaya, uMaria akasayizikhusela kwindawo yakhe.
Ziziphi iintlobo zokhetho ezikhoyo kuMaria?
Iintengiso ezimfutshane eziCwangcisiweyo
Isitengiso esifutshane sisitengiso esifutshane ngaphandle kobunzima. Kucwangciswe, kubalwa kwaye kuvunywe yibhanki elifutshane, xa kuthengiswa ngemali enkulu yokukhuthaza imali ehlawulwa ebhankini ngumthengisi kodwa into engabonakaliyo ukubona kunye neentlawulo zemali azenzekanga eCalifornia ngenxa yeCalifornia Civil Code 580e. Isitengiso esifutshane sinokuba ngumnye umthengisi onjengoMaria onamanzi angaphantsi kwamanzi.
Ngokomzekelo, ukuba uMaria uqeshe ikhaya lakhe elingaphantsi kwamanzi, uya kufumana i-$ 1,500 ngenyanga. Intlawulo yakhe yokuthenga imali , kunye neerhafu kunye ne-inshurensi ibe yi-$ 2,200 ngenyanga. Ukungabali izikhundla zezithuba, ukugcinwa okanye ukulungiswa okungalindelekanga, uMaria uza kuhlawula i-$ 700 ngenyanga ukuze axhase ikhaya lakhe elingaphantsi kwamanzi njengentlawulo.
Iminyaka engaphezu kwe-10, i-$ 84,000. Ekupheleni kweminyaka eyi-10, uMaria wayengasayi kubuyiselwa kwakhona. Unokuba usenobomvu, oku kuthetha ukuba ikhaya lakhe lihlala phantsi kwamanzi.
Ukuba uMaria unikela into engaphantsi kwamaRandi angama-84 000 ebhankini ukuyikhulula kwimboleko yakhe kwaye ibhanki iyamkela, uMaria wayenokuba yinto ephambi komdlalo. Ngaphandle kwexabiso-lexesha lemali, uMaria angeke afune ukumthengisa ekhaya elingaphantsi kwamanzi ukuze ahlasele ibhanki. Kwezinye iindawo zelizwe, iintlawulo zemali zamukelwe ngababolekisi bemali.
Ukongezelela, akuyiyo yonke intengiso yokuthengisa emfutshane ifaka ukuhlawulwa kwemali okanye nayiphi na uhlobo. Abanye ababolekisi bajonga ngenye indlela malunga nezinto kwaye baqwalasele izikhokelo eziqhelekileyo kuphela. Ngethuba nje iibhanki zithola amaxwebhu njengoko kufuneka, ziya kuvuma ukuthengiswa okufutshane.
I-Deed-in-Lieu
Ngokomntu, andiyakholelwa ukuba ukhetho olwenziwe ngolu hlobo lungcono kunokuba lukhuphe ngaphandle kokuba luphelisa ixesha lokulinda ngaphambi kokuthenga elinye ikhaya malunga nonyaka. Isenzo-kwi-ndawo sivame ukuthanda ibhanki kwaye kungekhona umninikhaya. Isizathu esiyinhloko sokunika umsebenzi-ku-ndawo kukuphelisa loo mqathango, kodwa kungenokuba kungumnqweno womninikhaya kuba ukuthengisa okufutshane kukunikezela ngemali kumninikhaya.
Ukutshintshwa koKhuseleko
Ukuba umninikhaya unomnye umnini-mali okhululekileyo kwaye ucacile, ibhanki inokuvunyelwa ukutshintshela ukhuseleko lomboleko kwikhaya elingaphantsi kwamanzi ukuya ekhaya ngaphandle kwemali. Ngokutshintsha ukhuseleko lomboleko, umninikhaya unokukwazi ukuthengisa ikhaya elingaphantsi kwamanzi ngexabiso elifanelekileyo ngaphandle kwemboleko .
Thengisa nge-Money Financing
Unokuzibuza ukuba ngubani ofuna ukuthenga ikhaya elingaphantsi kwamanzi, kodwa kukho abantu abathengayo amakhaya angaphantsi kwamanzi rhoqo ngosuku. Ezi zibizwa ngokuba ngabanikazi bezindlu abaye bachonga ukulungiswa kwemboleko . UMaria unokukwazi ukuthengisa kwiikontrakthi zomhlaba okanye ukhetho lokuthengiswa kwintengiso kumthengi obanjelwe imali kodwa akwazi ukuhlawula iintlawulo zenyanga. Kuthengwa ithemba kunye nokuthenga ixesha lokuhlawulela.