Ukuthengiswa okufutshane akusiyo ifulegi enkulu ebomvu eyayisetyenziswa. Akufani ne-Letter Scarlet exhomekeke entanyeni yakho.
Ukuthengisa okufutshane kukuqhelekileyo ukuba phantse wonke umntu uyazi umntu owenze ukuthengisa okufutshane. Ayiyona into enyantyantya njengokwenqatshelwa. Ukwenza ukuthengiswa okufutshane kuthetha ukuthatha uxanduva, kwaye abaninzi abantu abaqeshisa amakhaya bakhetha ukuhlawula abaqeshi abaxanduva.
Ukuba kuphela uphawu oluhlaselayo kwingxelo yakho yekhredithi kubangelwa ukuthengiswa okufutshane, loo mboleko yokunyelisa iyacaciswa. Yaye ukhumbule, emva kweminyaka emi-2, ininzi yemali isetyenziselwa ukufikelela kwinqanaba lokuba abathengisi banako ukufumana umboleko weFannie Mae ukuthenga elinye ikhaya.
Izizathu zokusebenzisa ikhaya lakho ngexesha lokuthengisa okufutshane
Iingcebiso zam abathengisi kukuba zihlale zifakwe ngexesha lokuthengisa okufutshane. Musa ukuhambisa. Nangona unokuba unomdla wokuqhubeka kunye nobomi bakho, vula iphepha elilandelayo uze ufake konke oku emva kwakho, kukho izizathu ezintle zokuhlala ekhaya lakho.
- Amakhaya aphumayo ahlala ephazamiseka. Kungenxa yokuba ukuthengisa okufutshane akuthethi ukuba awukho uxanduva lwekhaya lakho. Unembopheleleko yendlu yakho yonke indlela eya kumva. Oku kuthetha ukuba i-thuglette iphule ukucima i-plumbing yobhedu kwaye ikhukula indawo leyo, ilahleko leyo yilahleko.
Ngaphezu koko, khumbula ukuba amakhaya amaninzi ayifumanekanga emva kweentsuku ezingama-30 zesithuba. Hlola umgaqo-nkqubo we-inshorensi yakho. Ukuthengwa kwe- inshurensi yasekhaya engekho yindleko.
- Amakhaya aphumayo afuna ukugcinwa. Awukwazi ukuvumela umtshini ufe okanye unqande ukutshiza umtshini. Ukuba abamelwane babiza iqumrhu likarhulumente ukuba bakhononde kwaye elo nyathelo linyathelo lokunyamekela ingcambu yakho, loo nto iya kubakho ukufaka ifayile. Ikhonkco apho ibhanki yakho iyakuthi ivume ukukuvumela ukuba uyihlawule, kwaye ke ikhaya lingaya kwi-foreclosure. Kulula ukunyamekela ikhaya ukuba usaphila apho.
- Uhlala kwi-rent-free. Ukuba unqamle ukwenza iintlawulo zemali , ungabi nantoni na ukuba uhlale ekhaya. Kungenzeka uhlale apho ngokukhawuleza njengoko unakho kwaye uqhubeke nokugcina ukugcinwa kwekhuseleko kunye nentlawulo yokuqala yenyanga / yokugqibela.
- Ezinye iibhanki zifuna ukuhlala. Into yokugqibela oyifunayo ukuva ukuthengiswa kwakho okufutshane kuye kwayekelwa ngenxa yokuba uhambe. Sineentengiso ezimfutshane ezinqatshelwe iibhanki kuba ikhaya lalingenamntu kwaye izikhokelo ze-investor zifuna ukuhlala. Musa ukucinga ukuba unokuthi nje uhlala apho xa ungabikho ngenxa yokuba ibhanki iya kucela ikopi yesikweletu sakho sekhefu.
- Ikhaya lakho libonisa ngcono ngefenitshala. Kukho nje i- arhente emfutshane yokuthengisa engayenza ukudubula umfanekiso wegumbi lokulala elingenanto. Ikhonkco enefestile yiprato engapheliyo. Ikhaya lakho liza kuthengisa ngokukhawuleza kwaye litsalise abathengi ababenzileyo xa ungahambi.
Xa uhamba uya kuxhomekeka xa ukulindele ukufumana ileta yokuvuma yokuthengisa emfutshane. Ndiyacetyiswa ukuba abathengisi balinde ukuba idilesi yokuvunywa ifunyenwe kwaye kwezinye, ixesha elide kunelo. Iibhanki ezininzi ziya kukunika iintsuku ezingama-30 ukuya kwi-45 ukuhamba. Ukuba iintsuku ezingama-30 kuphela, kufuneka usebenze ngokukhawuleza. Uninzi lwezindlu zokuqashisa ziyafumaneka ngeyokuqala kwenyanga leyo, ngoko ufikelele ngakumbi ukuya kwinyanga yokuqala, iindwendwe ezimbalwa zokurenta onokuzifumana.
Ngaphezu koko, ukuba isipho sokuthenga sineenkcukacha, umthengi unokususa. Ukuze uqaphele ngokwenene, unokufuna ukulinda de iinqununu zitshintshwe. Ngaphandle koko, unokufumana uhamba ngaphandle ukujika kwaye kufuneka uphinde ungene ngaphakathi. I-arhente yakho yokuthengisa esifutshane kufuneka ikwazi ukukukhokela.