Ukuthenga Ukuthengiswa Okufutshane Ngokuchanezela

Ixabiso leNgqungquthela yeROS ingaba ngcono kunezoqoqosho ezifutshane

Ukulindela impendulo kwintengiso emfutshane kunokuphazamiseka. Ukuthengiswa okufutshane kwenzeka ntoni xa umthengisi womthengisi evuma ukwamkela ngaphantsi kwe-balance balance mortgage yakho ukulungiselela ukuthengiswa phakathi komdayisi kunye nomthengi, kwaye ibhanki ithatha ixesha elide ukugqiba. Abanye abathengi abancinci abancinci balinde iinyanga ezintandathu okanye ngaphezulu ukuphendula. Ingaphezulu kwesigxina sexesha, impendulo ithi "Hayi, kwaye ungavumeli ukuba umnyango uphumelele endleleni."

Uluhlu olutshane lokuthengiswa kwamaxabiso Amanani ayenjalo

Abathengi banamathela kwiivenkile ezithengisayo ngezizathu ezibini. Uluhlu lwamanani lukhangelekile kwaye bakholelwa ukuba umthengisi unxungupheko. Nangona kunjalo, akukho zeenkolelo ziyinyaniso. Ekubeni kungekhona yonke indlu emfutshane yokuthengiswa ku- foreclosure , kungekhona bonke abathengisi banqwenela. Ngaphezu koko, abathengisi bavame ukubeka ixabiso elithengisiweyo, bengathembeki ukuba abathengi baya kuthungela kuloluhlu olufana neenundu kwintlambo.

Ukuqinisekiswa kwangaphambili kweentengiso

Indlela e -arhente yoluhlu ifumanisa ukuba i-bhanki iya kuhamba ngaphantsi kangakanani ukuba isibonelelo sele samukelwe kwaye umthengi uyahamba. Kuphela ke i-ejenti ekhululekile ukuthengisa uluhlu njengentengiso emfutshane esamkelweyo ngenxa yokuba amabhanki ayabonakali ukuchaza intlawulo ephantsi.

Ngokuthengiswa okufutshane kwandulela, abathengi abatsha balinde ngokufutshane. Ngokuqhelekileyo, malunga nexesha abathengi bokuqala bahamba ngalo , amaxwebhu abathengisi asele angeniswe kumbolekisi, kwaye umboleki-mali mhlawumbi wayekufutshane nokukhupha incwadi yokubhengezwa emfutshane .

Amaxwebhu alahlekileyo kweli nqanaba awenziwe ngabathengi abatsha kunye neziqinisekiso zemboleko.

Iintengiso Zentengiso emfutshane

Abadayisi banokuvumelana naluphina uhlobo lokuthenga okunikezelwa phambi kwabo ukuze basayinwe, kodwa alubopheli ngaphandle kokuba ibhanki yabathengisi livumile. Akunandaba nokuba yiyiphi imigaqo ekhoyo kwisibonelelo ukuba ibhanki ayiyi kwamkela.

Ingxoxo yakho yokwenene ayithethi kunye nomthengisi; lilala nomxoxisana webhanki.

Amabhanki ancike kwii- appraisals ze- desktop kunye ne-BPOs yesithathu (imibono yexabiso lomthengisi) ukufumanisa ixabiso. Nangona amabhanki afuna ukulandelelana ngokukhusela, afuna ukuxabiswa kwexabiso lemarike. Kufikelela kwi-arhente yokurhweba ukubonelela ngeentengiso ezifananisiweyo kunye nokuqinisekisa ukuba intengo efakwe ngumthengi.

Ixabiso emva kokuqulunqa

Ingaba umthengi kufuneka alinde ukuba ipropati ihambe ngokugqithisela kwaye ibanjwe kwibhankini kuxhomekeke ekubeni ngaba ikhaya linamathuba amaninzi . Ukuba ngaphezulu komthengi omnye uthumele umnikelo, isibonelelo esiphezulu nesona sifanelekileyo siya kuzuza.

Ukuba umthengi nguye onikezelayo kuphela kwaye ibhanki iyayiphendula ngokungafanelekanga okanye, ngokubhekiselele, akunjalo, mhlawumbi inokuba ngumdla onqwenela umthengi ukulinda ukucima. Akukho kwakhona isiqinisekiso sokuba ibhanki ayiyi kukhanyela amaninzi amaninzi, kwakhona, ngakumbi ukuba akukho bani uphakamileyo ngokwaneleyo.

Ngamanye amaxesha amabhanki ayengqiqweni kwaye aphelile ukudubula ngokwayo. Ndineenkcukacha ezininzi apho iibhanki zenqwenela ukwamukela ukuthengiswa okufutshane ukufumana isitifiketi sekhaya ngokusebenzisa ukuchithwa kwempahla, ekugqibeleni kuthengiswa ngamashumi amawaka angaphantsi.

Unokufumana inkcazelo malunga nokuba ibhanki inokwenza ntoni ngokujonga iibhidi zokuvulwa ezithunyelwe kwimeko apho ikhaya likwinqanaba. Iibhanki ziza kufaka ibhanki encinci yintengiso. Ukuba loo mabhanki amancinci yimali ebolekiweyo kwibhanki, etshela umntu oqikelelweyo ukuba ibhanki ayithengise ikhaya kumntu othile kwintengiso.

Ngenxa yokuba umntu onengqiqo akafuni ukuhlawula ibhalansi ngenxa yokubolekwa kwemali okanye lowo mntu uya kuhlawula imali yokuthenga imali aze athenge ikhaya kumthengisi. Musa ukudimazeka xa ibhanki iyalithobela ukuthengiswa okufutshane. Yiba lula. Hambisa eso siphinde, kwaye unokufumana umcebisi ohlukile. I-arhente yohlulo iyakwazi ukuhambisa amaxwebhu ahlaziyiweyo egameni lomthengisi onokutshintsha indlela ibhanki iyakubheka ngayo ifayile yokuthengisa emfutshane.

Ukuba akukho mntu uhambisa isibonelelo esiphakamileyo - kwaye ukuba awuzange, kutheni na omnye umntu?

- ekugqibeleni, ibhanki iya kubeka i-home up for sale njenge-REO. Jonga ukuba ubuyeke kwimarike njengendlu yasebhanki. Ukuba ixabiso linengqiqo ngelo xesha, lithenge kwi-bhanki. Ubuncinci abathengi bamakhaya asebhankini banokuqinisekiswa ukuba imisebenzi yabo iya kuvalwa zingakapheli iintsuku ezingama-30 okanye kunjalo, kwaye baninzi kakhulu kwixabiso elincinci.

_{Ngelo xesha lokubhala, u-Elizabeth Weintraub, uBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.}