Oko Kufuneka Ukwazi Ngeentengiso ezimfutshane kunye noNgaphambili
Ukuthengisa okufutshane kunye nokuvalwa kwangaphambili ziintlobo ezimbini ezihlukeneyo zokuthengiselana ezabelana ngeendawo eziqhelekileyo eziphathekayo, ezibandakanya umboleki wemboleko. (Akunamagama angatshintshiyo-nangona abaninzi abantu bengayiqondi, kukho ukuhlula phakathi kwababini.)
Abaninzi abathengi basekhaya baqala ukukhangela ukuthengisa okufutshane kunye nokubeka ingqalelo kwizinto abanethemba lokuba bangazithenga indlu encinci, mhlawumbi ngenjongo yokutyalomali okanye ukuhlala njengendawo yokuhlala.
Bakholelwa ukuba bangasindisa imali eninzi okanye bathenge ikhaya elingaphantsi kwexabiso lemarike.
Xa abathengi bandibiza ukuba bathe ukuthenga ukuthengisa okufutshane okanye ukuchithwa kwempahla, ndiyabanika ukutshekisha kwangempela. Le nyaniso kukuba ayinakusindisa imali ephuma kwiibhanki zibaxabisa ukuthengisa okufutshane kunye nokubeka phambili kwixabiso lemarike, kunye nesibonelelo somqathango wepropati. Nangona kunjalo, kukho ukungafani, kwaye rhoqo loo nto iya kuba yinto efanelekileyo. Kungaphezulu kwelo mthetho, nangona kunjalo.
Ukuze siqalise, makhe sihlolisise ukungafani phakathi kokuthengisa okufutshane kunye nokuvalwa kwangaphambili.
Iimpawu ezisisiseko zePropati yokuThengisa okufutshane
- Indlu yokuthengisa emfutshane iyindlu engekho ebhankini. Nangona kunjalo, ukuze kuthengiswa ukuvala isango, ibhanki kufuneka ivume ukuthengiswa.
- Isihloko sisesegama labanikazi, kwaye abanini baninzi bahlala kwipropati kuba abanako ukufikelela kuyo nayiphi na indawo.
- Abanikazi bezindlu abanakho okanye bangasemva kwintlawulo yabo yokuboleka imali ; ukugqithisa akusoloko kuyimfuneko.
- Kufuneka kubekho incwadi ebunzima yokubhala . Ukuba ubunzima kungabandakanya ukulahlekelwa ngumsebenzi okanye umhlalaphantsi wokunyanzeliswa komsebenzi, unokuba unxulumene nempilo, okanye abathengisi banokuqhawula okanye bavalelwe.
- Ezinye iimveliso ezimfutshane zibandakanya iimali-mboleko zokusayinwa ezitywinwe ngabadayisi abafayo, okanye i-mboleko yesibili ekhutshwe kwi-bankruptcy kodwa ayizange ikhutshwe.
- Nangona ikhaya alikho phantsi kwamanzi, ukuthengisa okufutshane kukubandakanya ukuhlawula ngaphantsi kwexabiso elipheleleyo kumboleki. Umthengisi unokufanelekela ukuthengiswa okufutshane ukuba ukulingana akwanele ukuhlawula zonke iindleko zokuthengiswa ezifana neekomishini kunye neendleko zokuvala.
Iimpawu ezisisiseko zePropati yePropati
- Ukuqhaqhaqhaqhayisa ngamakhaya aphethwe ngumboleki-mboleko okanye - ukuba imali ebolekwe yimali eqinisekisiwe okanye eqinisekisiwe - ngumbutho karhulumente ofana noFannie Mae, uFreddie Mac, okanye i-HUD.
- Kukho iindlela ezahlukeneyo zomboleki onokufumana itayitile kwipropati yokuchithwa. Indlela eqhelekileyo yinto yokuqhelanisa nabanini bezindlu ngokungahlawulwanga imali yabo. Nangona kunjalo, ibhanki ivumelekile ukuba ilandelelanise ezinye izizathu, njengeenkqubo ezibonelelwa xa umninikhaya athengisa ikhaya komnye umntu ngaphandle kokuhlawula umboleko. Isihloko-ekuthengiseni akuvumelekanga. Amabhanki angathatha isitifiketi kwipropati yokuchithwa kwempahla ngokwemvume-kwindawo-indawo yokuchithwa okanye inkundla yamanyathelo.
- Xa iibhanki zithatha umxholo kwipropati yokuchithwa, zikhupha abahlali kwaye zikhusele ikhaya. Ngokuqhelekileyo inkampani yokulawula i-asethi izakuvala amanzi, kwaye mhlawumbi ibhodlela kwiifestile kunye neengcango kwaye utshintshe iitshi. Yingakho i-foreclosures isoloko ikhangeleka kuyo.
Imigaqo yokuLungiswa kweNtengiso kunye nokuThengiswa okufutshane
Phantse ukuthengiswa okufutshane kunye nokuchithwa kwithengiswa kwimeko yayo "njengokuba".
Ezinye iibhanki ziza kutyalombela ekulungiseni amakhaya okuthungula ngenxa yokuba iibhanki ziyabona ukuba zinokwandisa inzuzo yazo ngokubuyiselwa, kodwa ezininzi iibhanki zithengisa ikhaya kwimeko efanayo nababantu abadlulileyo bangashiya, nangona kunjalo.
Ngamanye amaxesha iziganeko ezongeziweyo phantsi kwebhanki ziza kuvumela ukunciphisa intengo kwisiphene esikhulu, kodwa ngokuqhelekileyo kungabonakali. Unokubuza, umzekelo, ukunciphisa okanye ityala lokubuyisela isithandweni okanye uphahla, kodwa ukuba imarike ishushu kwaye omnye umthengi angahlawula imali, ibhanki mhlawumbi iya kukhanyela eso sicelo.
Uhlobo oluphambili phakathi kwimeko yepropati yepropati kunye nemeko emfutshane yokuthengiswa kwekhaya yimeko yokungafihla into engaziwayo. Ikhaya lokungcebeleka lingaba lithuba leenyanga, kwaneeminyaka, apho kungabikho ukungena okanye ukungena kwamanzi. Ngamanye amaxesha abanikazi banqumla ikhaya okanye bahluleki ukuyigcina ngokufanelekileyo xa ikhaya lisesigxina. Xa kuthelekiswa, abathengisi abancinci bathengisa ukunyamekela amakhaya abo, kwaye banokubonelela ngokubhengezwa kumthengi.
Olunye umehluko yipropati yokuchithwa ingavalwa ngokubanzi kwiintsuku ezingama-30. Ukuthengiswa okufutshane, okufuna ukuvunyelwa kwebhanki, kunokuthatha iintsuku ezingama-30 ukuya kwiinyanga ezi-3, ngokomyinge, ukuze ufumane incwadi yokuvuma yokuthengisa emfutshane , kwaye emva kweentsuku ezingama-30 ukuvalela, ngokuphindwe kabini ubuncinane ubuncinane.
Iphi na indlela yokuthenga ngokukhawuleza
Ngaphandle kokuba ibhanki ibancinci kunye neendawo, akunakwenzeka ukuba unikezele indlu yokuthengiswa kwezindlu ekuthengiseni kuluntu. Iibhanki ngokubanzi zilahla ukukhutshwa kwazo kwiindlela ezi-5. Ngaphandle kwendlela yokuthengiswa kwezinto ezininzi, ezininzi iindlela zeebhanki zithengisa izibophelelo zazo zibandakanya inzuzo ebhanki.
- Kwintengiso ye-trustee okanye ityard of auction. Le nkqubo yinkqubo yokubamba inxaxheba eyenzekayo kumanyathelo enkundla yesigqeba okanye esinye isakhiwo sikawonkewonke. Ngokuqhelekileyo izibonelelo kufuneka zibe yimali, kwaye ibhanki ibonisa inani elincinci lokugcina. Ukuba kukho izibhambathiso eziphezulu, umthengi uthatha uxanduva lwaloo maqabane. Abathengi kwintengiso badla ngokusebenza kunye ne-agent ye-estate.
- Kwixabiso elithengiswayo kubarhwebi abazimeleyo. Le nto ingabakho amakhaya angathengiweyo kwintengiso okanye amakhaya asebhanki awazange amisele i-intengiso. Ibhanki iya kufaka le mizi ngamaqela kwaye ithengise yonke ipakethe kumthengi-mali okanye kwinkampani kwisaphulelo esiphezulu.
- Ngenkampani yokuthengisa i-intanethi. Uninzi lweevenkile zasekhaya kwi - intanethi zibeka umrhumo ogcinwe kuyo apho ikhaya lingayi kuthengisa ukuba i-reserve ayifumanekanga. Bamafuna ukuba umthengi akhokhe ibhonasi ye-premium njenge-5 ekhulwini kwixabiso elinikeziweyo njengemali kwiinkampani zentengiso. Ixabiso lokuqala lokuthengisa lihlala liphantsi kwexabiso lokubhengeza kwaye libonakala likhohlisa. Uninzi lwamawebhusayithi luvumela i-agent yakho ukuba ikumele.
- Ngokubeka uluhlu ngekhaya kunye ne-REO kunye neenkonzo zokuthengisa ekhaya kwi-MLS. I-agent ye-REO isebenza nomphathi we-asethi yebhanki kwaye ilungiselela i-BPO. Igosa livavanya imeko, kwaye ivumela ukuncitshiswa kwe-AS IS imeko, ngoko ke ikhaya liya kubalwa kwixabiso lemarike. I-arhente yakho ingakumela.
- Ngokubeka ikhaya elithengiswayo kwiwebhusayithi yeewebhusayithi kunye nokuvumela ukuhanjiswa kwe-electronic offer. Oku kuqhelekileyo kwiinkampani zikaRhulumente. Ibhanki iya kuhlawula i-arhente yakho ukuba ikumele.
Iphi na indlela yokuthenga iiVengiso ezimfutshane
Umthengi okanye umtyalomali akavumelekanga ukuba athengise intengiso emfutshane ngokuthe ngqo kumninikhaya. Enyanisweni, ukuthengisa okufutshane kukufuna umthengi ukuba asayine i -affidavit yexesha lesigxina elithetha ukuba akukho buhlobo obukhona ngaphambili phakathi kwabadayisi nabathengi. Ndibe neebhanki zilahla ukuthengisa okufutshane kuba umthengi wayengummelwane owayehlala kufuphi.
(Ngaphezu koko, amanye amaqela angayichasene nalo mkhuba kwaye ayenqabe loo nkcazelo ebhankini. Baya kusayine ubude bengalo kodwa bengabonakali ngokufihlakeleyo ukutyhila ubudlelwane nomthengisi. Kweli lizwe lifana neCalifornia, eso senzo singenza ukuthengiswa kobuqhetseba obufutshane, evumela iibhanki ukuba ikhuphe ukukhululwa komthwalo onikwe umthengisi.)
Kufuneka uqeshe i-agent yakho ye-real estate ukumela wena xa uthengisa ukuthengiswa okufutshane. I-arhente ayifanele ibe yilungu le-arhente. Ufanelwe ukumela kwakho. Ngaphandle koko, ibhanki ithambekele ekunciphiseni ikhomishana yokwenza uluhlu lwee-ojenti ezenza uluhlu lwezentengiso ezimbini.
I-arhente yakho kufuneka inqume ukuba ungaphi na amabhanki kunye nezibambiso ezibandakanyekayo ukuze ulungele ngokwaneleyo ukulinda imvume yokuthengisa emfutshane. I-arhente yakho inokufuna ukuqinisekisa ukuba umthengisi ufanelekile ukuthengiswa okufutshane. Nangona zonke iimveliso ezifutshane zithengisa ubunzima bomthengisi, baninzi.
Ekugqibeleni, inqaku: Amabhanki anokukunika nge-counter counter and ask for a higher price. Ukuba ipropati idinga ukulungiswa, ungaphumelela ngokuvala kwixabiso lakho lokuthengisa elithengileyo xa ubonisa ibhanki kunye neengqikelelo ezimbalwa kunye namafoto.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.