Indlela yokuThengisa uMthengisi Ukubuyisela imali kwi-Mortgages
Izizathu Zabathengisi Ukubuyisela Imali-mboleko
Xa ixabiso lentengo liphezulu okanye izikhokelo zesikweletu ziqinisiwe, abathengi babuza abathengisi ukuba benze endaweni yebhanki baze baqhube inkxaso. Ukuba ikhaya likhululekile kwaye licacile ngaphandle kwemali-mboleko ekhoyo, umthengisi angase athathe yonke imali okanye umthengi angafumana umboleko oqhelekileyo weengxowa-mboleko ngenxalenye yentengo yokuthenga kwaye ubuze umthengisi ukuba ahlawule imali.
Ukuba kukho umboleko okhoyo owenzelwe ekhaya, abathengisi bangavumela abathengi ukuba bathathe iintlawulo zemali-mboleko ezikhoyo, nangona umboleko uza kuhlala kwigama lomthengisi. Umehluko phakathi kwentengo yokuthengisa, ukunciphisa intlawulo ephantsi kunye nemboleko esele ikhona ukulingana nomthengisi uya kuthwala imali.
Abathengisi bavuma ukuba bathathe inxaxheba okanye zonke iimali ngezizathu ezahlukeneyo, ezinye zazo zilandelayo:
- Iimakethe ezithe tye okanye ezantsi . Inkxaso-mali ethwalwe ngumnikazi iya kutsala inkulu enkulu yabathengi.
- Abathengi abanako ukufumana imboleko yesiqhelo.
- Umthengisi ujongene nokuzuza kwexabiso eliyinkunzi ekuthengiseni kwipropati kwaye unokusichasisa eso sabelo esixhaswa ngemali.
- Ukuxhaswa kwemali kunika umthengisi izinga lokubuyisela elingcono kune-akhawunti yemarike yemali.
- Abanye abathengisa ngamanye amaxesha bafuna ingeniso yenyanga.
- Ipropati ayihambisani kwaye akukho mboleki uya kuboleka kuyo.
- Ngokuqhelekileyo abathengisi banokufumana intengo ephezulu yokuthengisa ngokutshintshela ukunikezela ngemali.
Iimpawu zokuthengiswa kweMpahla yokuThengisa imali
- Umthengi unokungagqibekanga kwiintlawulo, obangela ukuba umthengisi aqalise iinkqubo zokuqhawula .
- Emva kokungeniswa kwexesha, ukuhlawula imali kwi-mboleko ekhoyo, ukuba kukho umbolekiso okhoyo, ukuhlawula iindleko zokuvalwa kunye nee- commissions zezindlu , umthengisi akanakho ukushiywa naluphi na ubulungisa.
- Abadayisi abathwala imali yokubolekwa kwemali baye babophelela imali ngokuyifumana kwipropati.
Ukuguqula umthengisi Ukuthwala-Phindela kwiCash
Kukho idama elikhulu labatyalomali abazimeleyo kwindawo yeemarike abahlala bethengisa izixhobo zokubuyisela umthengisi. Nangona kunjalo, abahlawuli xabiso lomntu. Abatyalomali babheka isivuno abaya kufumana phezu kwexesha lotyalo-mali, kwaye esi sivuno sinokunyuka xa umtyalo-mali ehlawula ngaphantsi kwe-balance balance.
Izaphulelo ziyahluka phakathi kwebhodi, kodwa abathengisi banokulindela ukulahlekelwa i-10 kuya kwi-30 ekhulwini le-bhaleni engakhokhelwa, kuxhomekeke kwezi zinto zilandelayo:
- Ixesha lexesha . Oku kuthetha ukuba umthengisi ufumane ixesha elingakanani ukufumana iintlawulo kwi-backback back funding. Umthengisi ofumene iintlawulo ngexesha eli-12-inyanga uya kufumana imali engaphezulu kunomthengisi obambe i-brand mortgage entsha.
- Inzala yomdla . Iphakamileyo inzala, inqanaba eliphantsi. Inqanaba lesenzalo esincinci luza kutsala abatyali-mali abafuna isaphulelo esiphezulu.
- Ixesha lokuthenga . Imali-mboleko yexesha elide njenge-mortgage iminyaka engama-30 ayinakuchukumisa kumtyalo-mali njengemali-mboleko yesikhashana; Ngoko ke, iimali zokuhlala zangaphambili zithengiswa ngezaphulelo eziphezulu kunexesha elifutshane.
- Izigwebo zokuhlawulwa kwangaphambili kunye neentlawulo zamva . Ukubuyiswa kwemali yokubuyiswa kwemali equlethwe isohlwayo sokuhlawulwa kwangaphambili kunye nokuhlawulwa kwexesha eligqithisiweyo kwakhona kunomtsalane kubalimi-mali, okuchaphazela isaphulelo sokusetyenziswa kwesaphulelo.
- Ukulinganiswa kweMali-to-Value . Izilinganiso eziphantsi kweemali-mboleko zifumana izaphulelo ezilungileyo. Izivumelwano eziphezulu zibhekwa njengengozi enkulu kwaye izaphulelo ziphezulu.
Abatyalomali baqwalasela uhlobo lokhuseleko, ixabiso laso elichongiweyo, indawo, izibonelelo, imeko kunye ne-credit-worthiness, ukuba iyaziwa, yabathengi.
Ukuthengiswa kweeMali zokuThuthwa kweMali
Umtyalo-mali unokucela umdayisi we-back-back mortgage ukuba athathe zonke iindleko ezinxulumene nokuthengiswa kwesaziso kunye nemali yokuthenga. Unokucelwa ukuba uhlawule imali efana nale:
- Umgaqo Wesihloko
- I-Escrow Fee
- Ulungiso lweMqulu
- U vavanyo
- Ingxelo yomNcedo
- I-Courier / Wire Transfer
- Ukurekhoda
- IKhomishini, ukuba kukho
Ukufumana abaTyalo-mali ukuThengwa kweeMali-mboleko
Kukho abatyali-mali batyali kunye nabarhwebi-mali. Ezinye zimelelwe ngabathengi bemali , ezinye azikho:
- Bhalisa kwiifolda zentengiso.
- Khangela i-Intanethi.
- Khangela kwiimpapasho zakho zepapasho zendawo.
- Ukubiza ii-agent zangaphandle zezindlu ezijongene nezakhiwo zokutyalomali.
- Vumela iminwe yakho ihambe kwi-Yellow Pages.
- Buza abahlobo namalungu entsapho.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.