Kutheni ibhanki elifutshane lithengisa ukuba umthengisi akafanelekanga
Kungenxa yokuba ibhanki inqabe ukuthengiswa okufutshane akuthethi ukuba awuyi kuphinda uzame kwakhona. Okokuqala, qiniseka ukuba awukho phantsi kwesivumelwano kunye nomthengi wangaphambili. Ukuba iphepha lakho lokuthengisa elifutshane lifakwe kwi-bhanki, mhlawumbi kwakuthetha ukuba wena nomthengi wasayine isivumelwano somthengi. Izivumelwano ezininzi kakhulu zokuthengiswa ziqulethe uhlobo oluthile lwe-addendum eyenza isivumelwano sikhombise ukuvunyelwa kwintengiso emfutshane , kwaye mhlawumbi umlinganiselo wexesha owenziwe njengemeko yesivumelwano sokuthenga.
Njengoko ngokusemthethweni awukwazi ukuthengisa ikhaya okwesibini xa usenyanzelekile kumthengi okhoyo, kufuneka uhlolisise iphepha, ubize inkampani yenkampani (okanye i-ejenti yomthengi) kwaye qinisekisa ukuba isivumelwano sikhoxisiwe ngokubhaliweyo, ukuba asizange iphelelwe yisikhathi.
Okwesibini, ukuba uluhlu lwakho luye lwaphela, mhlawumbi ufumana iifowuni zeefowuni ezinye iinkonzo ezinikezela iinkonzo kunye / okanye zibonisa ukuba zithengela ikhaya lakho. Ezi nkonzo zinokuthi azikho nabathengi, kwaye akukho mqinisekiso yokuba ama-arhente axoshe uluhlu oluphelelwe lixesha analo nawaphi na amava ekusebenzeni ukuthengisa okufutshane.
Kubi ngokwaneleyo ukuba ezinye i-agents azifanelekanga ukuthengisa iifutshane ezimfutshane kodwa zingabanikezela ezo nkonzo, ngoko uqesha i-agent eyazi kakuhle kakhulu oye waxoxisana neentengiso ezininzi ezimfutshane. Igosa elingenalwazi elingenayo imvelaphi enamandla kwimveliso emfutshane inokulimaza isizathu sakho kwaye mhlawumbi kutheni ukuthengisa kwakho okufutshane akuzange kuvunywe ngaphambili.
Uninzi lwamaqumrhu amashishini athengiswayo amfutshane ndiyazi ukuba akayekanga kuze kube yilapho abathengisi behla befile ekugqibeleni okanye ukuthengisa okufutshane kuvunyiwe.
Ukuqesha i-arhente entsha
Beka ikhaya lakho kwimarike kunye neefoto ezitsha kwaye ufumane umthengi omtsha. Qinisekisa ukuba umthengi uya kuhlala ezinikele ekulindeni imvume yakho emfutshane yokuthengisa.
Inkohliso yam abathengisi bam sebenzisa ukufuna i-ejenti yomthengi ukuba ithembise ngokubhaliweyo ukuba i-agents ayiyi kubhala izibonelelo ezingaphezulu kumthengi emva kokuba umnikelo uyamkelwa. Akunjalo wonke umthengi ozimisele ukuzinikela ukuthenga intengiso emfutshane , kwaye umthengi ozinikeleyo kuyimfuneko. Enyanisweni, ukuba umthengi akenziwanga, awunayo ngempela umthengi phantsi kwesivumelwano. Unomxholo ongenanto.
Emva kokuba iiprojimari zigqityiwe, hlaziya incwadi yakho yobunzima. Uninzi lweebhanki lifuna umthengisi alungele enye okanye ngaphezulu kweerameters ezifunekayo phantsi kwekhokelo ezithile zebhanki ukunikezela ukuthengiswa okufutshane. Ayikho yonke ibhanki isebenza phantsi kwezikhokelo ezifanayo kodwa zilapha ezimbalwa ezisebenza malunga naso sonke ukuthengiswa okufutshane:
- Uchitha ixesha elingaphezu kokwenzayo.
- Ufumana okanye uqhawule umtshato kwaye awukwazi ukuhlawulela ikhaya lakho.
- Umyinge womyinge wakho mboleko ulungele ukulungelelanisa okanye sele ukhulisiwe.
- Kukho ukufa okanye ugula lwezokwelapha kwintsapho eyabangela ukuhlawula imali.
- Imboleko yakho ingagqibekanga ubuncinane iintsuku ezingama-30 ukususela xa ukuhlawulwa kwakho kokugqibela bekufanelekile.
- Awunamsebenzi onethemba elincinane lomsebenzi.
- Uzalise i- bankruptcy ekhuphe zonke iimali zakho.
Ngamanye amaxesha, xa kuthengiswa okufutshane, kubangelwa into elula njengoko umthengisi ekhoyo ngoku ukuhlawula imali.
Ukuba imali yokuboleka imali ayikho kwimbuyiselo, izikhokelo zebhanki zingathi ibhanki ayivumelekanga ukuba ivume ukuthengiswa okufutshane. Ngaphandle koko, cingisisa ngawo, ukuba ibhanki iyayifumana imali yakho, kutheni kufuneka uhlolisise ukunika nantoni na? Okwesibini, ukuba ngaphantsi kwamanzi nokwenza imali yokuhlawulwa kwempahla ngamanye amaxesha kunokuziva ngathi kufana nokukhwabanisa iibhilidi ezingama-100 emoyeni ukuba zithathwe ngumoya.
Ukuphonononga iincwadi zakho zobunzima
Ukuba kukho naziphi izinto ezi-7 zingasentla zisebenza kwimeko yakho, qiniseka ukuba uquka ezo zizathu kwincwadi yakho yobunzima . Abathengisi bebhanki baphatha umthamo omkhulu weefayili, kwaye abahlala behlolisisa rhoqo uxwebhu ngalunye ngokucophelela njengoko banako. Kufuneka ukwenze kucacise ukuba kukho ubunzima kunye nokubonelela ngamaphepha kunye.
Ukuba uqhawula umtshato, thumela ikopi yemaphepha yakho yomtshato kwibhanki.
Faka i-invoyisi ezivela kugqirha wakho kunye neengxaki zokufumana unyango okanye izicwangciso zonyango. Yenza yonke ingeniso yakho yenyanga ngenyanga. Ezinye iingxelo zezemali aziboneleli iibala okanye iibhokisi zomboleki ukuba zibandakanye zonke iindleko. Kungakhathaliseki ukuba iphepha lebhanki likunikezele ukuba lizalise, yenze ingxelo yakho yemali ingeniso yekhohlo ngakwesobunxele kunye nazo zonke iindleko ngakwesokudla. Bonisa inombolo engezantsi phantsi ngokukrazula amatyala akho kwimali yakho engenayo. Yenza kube lula kakhulu kumthengisi webhanki ukuba aqonde ngokucacileyo umfanekiso wakho wezezimali.
Phinda uthumele
Ubungqina bokuthengisa kwakho okufutshane kuya kuvunywa. Amabhanki afuna ukwenza ukuthengisa okufutshane. I-National Mortgage Settlement, phakathi kwamanye amanyathelo omthetho, inika inkxaso yezemali kwiibhanki ukwenza ukuthengiswa okufutshane njengoko i-HAFA inkqubo yokuthengisa emfutshane. Enyanisweni, ezininzi iibhanki endisebenza nazo kunye nokukhetha ukuthengisa okufutshane malunga nokuguqulwa kwemboleko. Ukuba ukhona ngokutshintshwa kwemali-mboleko, iimeko zokuthengiswa kwakho okufutshane ziza kuvunywa nje ukutshulwa ukuya ku-99.9%. Funda indlela yokutshintsha ukusuka ekutshintshelweni kwemali ukuya kwintengiso emfutshane .
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia, kwaye akaboneleli ngcebiso. Ukuba ufuna isiluleko sezomthetho, nceda uqhagamshelane nommeli onikwe ilayisenisi ukunikezela.