Iingcebiso zokuthetha ngokuthengisa okufutshane
Ngona ngetoni yolwazi, ii-ejenti ezithengiswayo ezincinane zifumana isiluleko esingaceliweyo kulabo bazama ukunceda.
Esinye seziphakamiso zam intandokazi kukuba:
Kutheni Ungabonakali I-Bhanki Ingakanani Imali Eya Kulahleka Ukuba La maKhaya aya Kuya kwiNgqungquthela?
Ndiyicinga ukuba le ngcamango eluncedo kufuneka ihanjiswe ngamashumi amabini anesibhozo e-8 x 10 imifanekiso enemibala egciniweyo kunye nezicolo kunye nemigca kunye nomhlathi emva komnye. Yabona, le nto ibhanki kwishishini lokuboleka imali ithambekele ekuqeshweni abasebenzi abaziyo ukusebenzela i-calculator. Abathengi bebhanki abayidingi isifundo kwiMali 101, kungakhathaliseki ukuba umntu ongaphandle angacinga.
Ukuba ibhanki iqwalasela ukuthengiswa okufutshane , ibhanki sele isenze izibalo. Ibhanki sele iqalile ukujonga i- PSA yayo kwaye yachonga ukuba ingenza imali engakumbi kwi-foreclosure okanye ukuthengiswa okufutshane. Uninzi lweebhanki ziinkampani. Iinjongo zenkampani kufuneka zikhule, zikhule zize zenze imali.
Amashishini athengisa ukufutshane angabonisa ibhanki izikhokelo zeemarike zendawo ezihambayo. Ukuba ixabiso lekhaya liwa, kungenangqiqo ukwamukela ukunikezelwa kule nyanga kunyaka ozayo, umzekelo.
Kodwa kuninzi, iibhanki azikho unomdla kwimbono ye-arhente yendawo yokuhlala. Abathethathethwano babo abajonge phantsi kwendlela kwixesha elizayo. Bakhangele oko bangakwenza namhlanje. Namhlanje, baya kuvuma okanye balawule ukuthengiswa kwakho okufutshane okanye ukuya kwiholide.
Indlela yokunceda iBhanki ukuba yamkele iSipho sakho sokuThengisa esifutshane
Ukuba unenene ngokwenene ekuncediseni ibhanki ukuba yamkele ukuthengiswa okufutshane, uza kufunda ukunika ibhanki into efunayo.
Akusiqhamo ukuxubusha nebhanki, nokuba ibhanki ayiphutha. Ukuba ibhanki ikuxelela ukuba isibhakabhaka sibubhakabhaka, ngoko utsho ewe, isibhakabhaka sibomvu. Musa ukuphikisana ngokusabalalisa ukukhanya kwevama eliphezulu. Uya kulahleka. Nazi iziphulo ezingaphezulu:
- Buyisela amaxwebhu ngokukhawuleza.
I-arhente yakho inokuthumela idokhumenti oyifungile ukuba usayinwe. Iiifom ezifana nesifungo sokubamba kwengalo , ukuthengiswa okufutshane kwintengiso okanye i-addendum yokuthengiswa kwefutshane yesivumelwano isoloko iguqulwa kwaye iguqulwa ngabameli bamabhanki. Inguqulelo oyifakile kwangaphambili ingahle iphelelwe yisikhathi ngelixa usondele kufutshane nokuthengisa okufutshane.
Ukuba ibhanki ifuna isitatimende sebhanki ehlaziyiweyo okanye i-stub ye-payroll, kha wuleza oko wenzayo kwaye uthumele loo dokethi kwi-arhente okanye ukulahlekelwa yintlawulo. Ukuba awubonisi ukuphuthuma ebhanini ngokuphendula ngokukhawuleza kwiimfuno zayo, umthengisi webhanki unokuthatha ixesha lakhe elimnandi lokuthabatha ifayile kwakhona. Imisebenzi eminingi inexesha elide. Ukuba i-arhente yakho ilahleka umhla wokugqibela, ifayile ingavalwa.
- Thumela amaxwebhu apheleleyo.
Thumela zonke iikhasi zale ntlawulo yerhafu, yonke iphepha lelo bhenge lebhanki. Musa ukwenza impazamo yokucinga ibhanki inqwenela ingcaciso efutshane. Ifuna yonke iphepha. Qinisekisa ukuba inombolo yakho yemboleko iyiphepha ngalinye.
Kwi-HUD, i-agent yakho kufuneka yazi ukuba iibhanki ngokubanzi zifuna ukubona zombini umthengisi kunye nomthengi. Maxa wambi iibhanki zifuna ukubona amagama omninimzi omncinci abhalwe kwakhona. Ukuba i-HUD iqulethe iikhredithi ezisuka kumthengisi kumthengi ongekho ngokwenene iikhredithi, ndihlala ndiqinisekisa ukuba kwicala lomthengi we-HUD ligqityiwe. Nokuba ukuba amanani akhiwe ngokuqikelela. Ngenxa yokuba abaxubushelwano badla ngokungaqondi ukuba kutheni umthengisi wekhredithi yemali yomthengi kwi-HUD ngaphandle kokuba bayayibona ekumnyama nangomhlophe.
- Thumela i-CMA ukulinganisa intengo.
Musa ukubeka ibhola ephantsi, thumela ixabiso elinikezelayo elifanelekileyo kunye nelungileyo. Ngamanye amaxesha, iibhanki ziya kukuxelela ukuba zifuna intengo ephezulu yokuthengisa esekelwe kwi- BPO . Oko kuthetha ukuba ibhanki ayifuni ukwenza ukuthengiswa kwakho okufutshane ngenxa yokuba iya kwenza imali engakumbi ngokukhungqa, kwaye akufuni nje ukukuxelela oko. Okanye, oko kuthetha ukuba i-agent agent ye-BPO ayikwazi. Awazi ukuba yiyiphi. Ngoko, cela i-arhente yakho ukuba ithumele i-CMA.
- Nika ibhanki amaxwebhu omthengi.
Bonisa ibhanki umthengi uqine kwaye azinikezele. Amagent angenza oku ngokubonelela ngekopi yomthengi wemali ephantsi . Ukongeza, thumela i-pre -proval letter, echazwe kwaye isayinwe ngumboleki wamthengi kwiintsuku ezingama-30 ezidlulileyo kumbala weposi, ngaphandle. Faka isitatimende sebhanki njengobungqina bemali.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.