Yiyiphi inzuzo ngakumbi: ukubeka phambili, ukuthengisa okufutshane okanye ii-REO?
Nangona kunjalo, ngaphandle kolwazi olukhethekileyo malunga nendlela yokusingatha ukuthengwa kwempahla, ukuthengisa okufutshane okanye i-REO, unokufumana kwindawo enobungozi.
Ngokomzekelo, ngelixa ukuthengisa okufutshane kukufutshane, akuyiyo yonke into ebhengeziweyo yokuthengisa okufutshane kwaye akuthenganga yonke into emfutshane ekuthengiseni. Ukuqhubekisa phambili izinto, i-REO ayithengisi emfutshane, kodwa ezinye zokuthengisa ezincinane zijoliswe njenge-REO.
Iyintoni ipropati yomhlaba?
Ipropati yeprovinsi yindlu ekukhuselweni - xa isaziso sokungagqibekanga sifakwe kwiirekhodi zoluntu. Kuthetha ukuba umnini uyeke ukuwenza iintlawulo zokuboleka imali kwaye umboleki-mali unikele isaziso ukuba ngaphandle kokuba iintlawulo zikhutshwe ngokukhawuleza, ziya kuthengisa impahla leyo kumthengi ophezulu.
Ababolekisi bangaphinda baxakeke ngezinye izizathu, kodwa isizathu esivakalayo sokubolekisa abafaki-zicelo bafake isaziso sokungagqibekanga kukuba xa umntu obolekayo ubuncinane iintlawulo ezimbini kwiimbuyiselo.
Ukuba umninikhaya akayi kuzisa i-mboleko yangoku, umboleki uya kuthatha indawo leyo kumnini. Isinyathelo sokugqibela umboleki-mboleko uthatha emva kwexesha elithile lidlule ukuzama ukuthengisa ipropati kwintengiso kawonkewonke.
Akuwona onke amakhaya awela kwi-foreclosure aya kuthengiswa koluntu kuba abanikazi banelungelo lokubuyisela iintlawulo kwixesha elide, ixesha eliye lahluka kwilizwe ukuya kwilizwe.
Abanini-zimali bezindlu kunye nabathengi basekhaya babone inzuzo ekuthengeni izibonelelo ezingaphambili ngenxa yokuba banokuthi bathenge ipropati yemali ehlawulwayo, baqokelele ukulingana komnini wekhaya mahhala.
Umthetho waseCalifornia uthinta njani ukuchithwa kwemali / ukuthengisa abafutshane abatyalo-mali
Amazwe anemithetho eyahlukileyo elawula ukulandelwa kwangaphambili kunye namanye alandela umthetho waseCalifornia . Ukuqonda ngokupheleleyo amalungelo akho njengomthengi wokuqhawula, qhagamshelana nommeli wengingqi yendawo yokuhlala. Nangona kunjalo, qaphela ukuba ixesha elide eCalifornia, i- agent ye- estate engakwazi ukumela umtyalo-mali wokuqhawula ukuba zonke ezi zilandelayo zilandelayo:
- Ikhaya lifanelekile njengendawo yokuhlala yomthengisi.
- Ipropati yilekhaya lentsapho okanye iiyunithi ezi-2 ukuya kwezine .
- Isaziso soMgaqo-mali sifakwe kwiirekhodi zoluntu malunga nepropati.
- Umthengi umthengi akayi kuhlala kuloo propati.
Nangona kunjalo, ukuba nayiphi na enye yeengxelo zinyaniso, igosa laseCalifornia liya kuvunyelwa ukuba limele abathengi, ngakumbi ukuba umthengi uya kuhlala ekhaya. Kodwa ukumela umtyalo-mali, umthetho we-CA ufuna ukuba i-arhente yendawo yokuhlala ithathe ibhondi. Akukho mbambano ekhoyo kwilizwe laseCalifornia. Ngako oko, njengomtsalane-mali wangaphambili eCalifornia, abathengi abaninzi banyanzelekile ukuba benze ngokwabo.
Inkundla yaseCalifornia yawulawula ngo-2007 ukuba ukufunwa kwebhondi kwakunganyanzelwanga. I-California Association of Realtors yenze i-package ekhethekileyo yeefom ezinokusetyenziswa ngabameli.
Qaphela, njengomtyalo-mali, kufuneka uhambelane noMthetho wezoThengiswa kweeNgxowa-mali zaseKhaya. Phakathi kwezinye iimfuno, abathengisi abasemagqabini banelungelo lokucima (ukukhansela) ukuthengiselana kwintsuku ezintlanu. Abatyalomali kufuneka banike isaziso somthengisi welo lungelo, kubandakanye ikopi yefom eya kubangela ukuba abathengisi banqande.
Ukungaphumeleli ukuthobela uMthetho we-Equity Sales Act uthwala izigwebo ezinzima, kuquka nelelo elinikezela umthengisi ilungelo lokukhansela ukuthengiswa ukuya kwiminyaka emibini emva kokuthengisa kumtyalo-mali uye wavala kwaye ibuyisela impahla. Ufunda oko ngokuchanekileyo. Minyaka e mibini.
Njengomtyalomali, ngaphambi kokuba uthathe isigqibo sokuthenga ikhaya kwi-foreclosure ngokwenza iintlawulo zembuyiselo kumbolekisi, ukunika umthengisi idola ezimbalwa kunye nokurekhoda isenzo, biza ummeli wezezindlu .
Iyiphi impahla ephambili yokuthengisa?
Ukuthengiswa okufutshane kwenzeka xa umnini-mhlaba esecaleni kodwa ngaphambi kokuba ipropati iya kwintengiso yomntu.
Ngaphantsi kweentengiso ezimfutshane, umboleki-mali kufuneka avumele ukuba amkele ngaphantsi kwexabiso elibolekiweyo kwipropati.
Ngokungafani nokugqithiswa, abatyali-mali bahlala bethenga ikhaya ngokuncinci kuba abatyali-mali abayihlawula umboleko okhoyo okanye benze iintlawulo zangemva. Abatyalomali babetha ingxaki kunye nekhredithi ekhoyo ukuba ithathe ngaphantsi kwento obolekisileyo abaza kuyo ukuphepha ukujongana nokuqhawula.
Ingqungquthela yokuba abathengi abayi kuyenza intsebenziswano nomtyalo-mali ngaphandle kokuba umthengisi ewele emva kwimbopheleleko yomthengisi wokwenza iintlawulo zemali ezifike ngexesha . Abathengi akudingeki ukuba babekho phantsi ukuthengisa okufutshane ukuba kwenzeke. Ukuthenga umthengi ofuna ukuhlala ekhaya, ukuthenga intengiso emfutshane kwenza ingqiqo yemali.
Ziziphi ii-REOs - Iimpahla ezithengiweyo?
- Ukuthenga i-REO kufana nokuthenga ukuthengiswa okufutshane ngaphandle kokuba ipropati sele ikhona ngumnini-mboleko.
- Ipropathi yafunyanwa ngumboleki ngemisebenzi yokuqhawula.
- Ixesha elininzi ababolekayo baya kuthengisa amakhaya aphinda ahlawulelwe ngaphantsi kohlahlo lwabiwo mali.
- Iipropati ezinezindlu zeBhanki zibizwa ngokuba yi-REOs, nto leyo ithetha ukuba i- state ifakwe ngumboleki.
Amabhanki agqiba ukufumana ipropati xa kungekho mntu kwi-intengiso yintengiso eyaneleyo yokufihla imali ehlawulwayo kwipropati. I-REO izindlu zidlalwa njengeyona ndlela efanelekileyo yokuthenga ipropati ecinezelekileyo kuba umdayisi usele mfa nekiso. Ingumnini-mali-mali, i-ejenti yomtyalo-mali, i-bhanki kunye ne-ejenti yebhanki abaxoxisana nokuthengiselana. Ezinye i-REOs zingathengwa ngqo kumboleki.
Ukufumana ulwazi oluthe vetshe, khangela isiluleko sommeli wezezindlu.