INgxowa isenzi isetyenziselwa ukuchaza inkqubo yocingo (ukukhulula) imali evela kumbolekisi bemali-mboleko ukuya kwisihloko okanye kwisigxina ngaphambi kokuvala ukuthengiswa kwezindlu. Inzala ihlawulwa ngomhla wokuxhaswa ngemali kwaye kungekhona ngomhla wokuvalwa ngenxa yokuba imali ihlala ihamba ngosuku okanye ezimbini ngaphambi kokuvalwa.
Inkqubo yokuxhaswa kwemali mboleko ihlukile kummandla ukuya kummandla waseMelika. Ukuxhaswa ngemali ngokuqhelekileyo akuyi kufaka de kube zonke iincwadi zemboleko zityinwe kwaye zonke izimo zezimali ziyaneliswa.
Ngokomzekelo, eCalifornia, umthengi wekhaya uza kusayinela iimpepha zemboleko ngemini embalwa ngaphambi kokuvalwa kwangoku. Kwezinye iindawo zelizwe, ngokukodwa kwi-East Coast, xa umthengi ebonisa iimpepha zemboleko, kuvalwa kwenzeka ngaloo mini.
Ngenxa yokuba ikhaya lakho lokuthenga ubuchwephesha liyazi kakuhle neCalifornia, ngaphantsi kwindlela inkqubo yokubolekwa kwemali yokuphathwa kwempahla ephathwa ngayo enyakatho yeKalifornia, leyo iphinda ihluke kwi-California yangasemzantsi. Okokuqala, sinezikhokelo ze-TRID , eziqhelise ngokusisiseko indlela yokuxhaswa kwezimali ezigqityiwe ngaphezulu kweminyaka engamashumi amane. Ukuphuma kunye neCandelo loLungiso loLungileyo kunye ne-HUD kunye ne-RESPA kunye nezikhokelo zikaRhulumente ezahlukeneyo.
Yintoni ethatha ukuxhaswa ngemali?
Inxalenye yeprogram ye-TRID idinga ukuthumela ukuthengiswa kokuvala kumthengi iintsuku ezimbalwa ngaphambi kokusayinwa kwamaphepha-mboleko. Emva kokuba ixesha elifanelekileyo lidlulileyo, umthengi uvumelekile ukuba asayine amaxwebhu e-mortgage, ahlala evakalelwa ngathi umntu uyasayinela ubomi, kukho iphepha elininzi.
Ezinye zephepha ziza kubonakala zifana nomnye, kwaye ezinye zazo. Sekunjalo, konke kufuneka kusayinwe ukuba ufuna ukuxhasa imali mboleko yakho.
Amaphepha ebolekiweyo aya kufuna kwakhona ukuchongwa. KwiCalifornia, oku kuthetha ukuvelisa iifom ezimbini ezibamkelekileyo zokuchonga nokufaka isayinwe kumaphepha athile phambi komnothi wenkcazelo kawonkewonke.
Inqaku elininzi kunye nabasebenzi be-escrow labasebenzi be-notary public. Ungasayinela kunye nomnxeba weselula kwindawo yakho yangasese okanye kwindawo yoshishini, xa ukhetha.
Emva kokuba onke amaphepha-mboleko kunye neepesti zokungena zisayinwe ngokupheleleyo ngamaqela onke, amaxwebhu eboleko abuyele kumntu-mboleko wokuhlaziywa. Kulo xesha xa kubhalwe phantsi kubangelwa ukuba zonke iimeko zemboleko zizaliswe kwakhona. Kukho iimeko apho phantsi kweemviwo zale mboleko ezingenakuthatyathwa okokuqala ukuba izimo zemboleko zingonelelwanga, zibizwa ngokuthi "ngaphambi kocingo", kodwa ababolekisi abaninzi baya kufuna ukuba iimeko zemboleko zigqitywe ngaphambi kokuba kuxhaswe ngemali.
Izimo zetyala zingabiza ukuphononongwa kokuhlaziywa okanye into elula kakhulu njengokufumana onke amaphepha e-bhanki, namaphepha angenanto. Kwimizi emitsha, imeko yomboleko ingabiza ukuba zonke izixhobo zifakwe kwaye zisebenze ngaphambi kokuvalwa. Ngomboleko we- FHA , imeko yemboleko ingadinga ukuba umntu athathe kwaye alahle iipopu zepende ezifunyenwe zilele ngaphaya komda wendlu. Awukwazi ukuba yeyiphi imboleko yemali engayifuna.
Emva kokuba umboleki-mali ahlaziye iimviwo zemboleko, umboleki-mali uya kulungiselela ukuxhasa imali.
Ngokuqhelekileyo, oku kuthetha ukuhlanganiswa kwayo yonke imali yemboleko kwisihloko okanye kwinkampani yokuhlawula. Xa ucingo lufunyenwe yi-ejenti yokuvala, ifayile ifakelwe ukurekhoda. E-Sacramento County, sinamaxesha amanqaku okurekhoda atholakalayo kuthi yonke imihla. Kwamanye amabakala, kunokubakho ixesha elilodwa kuphela elikhoyo lokurekhoda.
Oku kuthetha ukuba iifowuni yefowuni ifunyenwe ngokukhawuleza ukwenzela ukuba yenze ixesha elilodwa lokurekhoda kulezo zibalo ngexesha elilodwa elikhoyo, ukuthengiselana akuyi kuvala kude kube ngumhla olandelayo. Ukufumana imali yemali-mboleko kubalulekile ekuvaleni ukuthengiswa kwekhaya lakho. Unako ukukhawuleza ukuvala ikhaya lakho ngokubuza ngaphambi kokuba isihloko okanye umboleko osondeleyo ulindele ukufumana iimali zemali mboleko kwaye ingaba uvala olunye usuku.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia .
Umzekelo: Uninzi lweengxowa-mali kunye nokuvalwa ngomhla omnye, kodwa abanye ababolekisi bakhetha ukuxhaswa ngemini phambi kokuvala.