Inkcazo: DU isicatshulwa esetyenziselwa i-desktop phantsi kwe-desktop kunye ne-desktop phantsi . Yinkqubo yokuzenzekelayo eyenziwa ngabasunguli bemali-mboleko ukufumana umboleki umyalelo-mboleko kwi-Fannie Mae izikhokelo eziqhelekileyo. I-Desktop engumgcini-phantsi isetyenziselwa iimali-mboleko ze- FHA .
I-DU ibhetele nje ngolwazi olunikezelwa kule nkqubo. I-DU ibonisa umlinganiselo weendleko zezindlu nomboleki kunye nomyinge wemali-kuya-ngeniso, kubandakanywa izikolo ezi-3 ze- FICO .
Ababoleki baphonsa ngaphandle kweFICO kunye neFICO ephantsi kwaye bagcine i-FICO ephakathi.
I-DU ibonisa kwakhona impahla yeboleki (umthombo wemali ukuthenga) kunye namatyala njengoko kuchazwe kumboleki-mboleko. Amatyala afaka iitaliti eziqhubekayo ezichazwe kwiimali zengxelo yokuthenga ngetyala. Iziphumo zibonisa igama lomboleki, ibhalansi engabhawulwa yimbopheleleko, kubandakanywa nentlawulo yenyanga.
Ingxenye yesimfuneko kwi-desktop phantsi kwe-desktop ayikho na matyala angabandakanya imali ebolekwe ukuthenga ipropati. Ngamanye amaxesha, ukuba ityala alibonakali kwi-desktop phantsi kombhali kuba ityala alinayo i-12-month-year history report. Ngokuqhelekileyo izilinganiso ezingahlawulwanga ezingavumelekanga aziyi kuvumela isinqumo somntu phantsi kombhali ngaphandle kokubhalwa ngumhloli womgcini-phantsi.
Njengoko ubona, kubonakala kwimeko yezimali yomthengi, ngaphandle kokuqinisekisa. Ababoleki kaninzi abayi kukhulula i-DU kwi-arhente ngaphandle kokugunyazwa ngokukodwa kumboleki.
Ingxelo eNgeniso kwiDeskriter phantsi kombhali
Ababoleki bemali mboleko bemali bacela ababoleki ukuba bazalise isicelo sokuboleka imali, esivame ukubizwa ngokuba ngu-1003 (ishumi-oh-ezintathu). Ingeniso echazwe kwi-desktop phantsi kwincwadi engabonakaliyo ingqiniswanga, kwaye leyo yimiba ebalulekileyo yokuqwalasela. Umthengisi ofuna ukuphonononga umthengi we-DU ukuqinisekisa ukuba umntu obolekayo unokukwazi ukuthenga ikhaya lakhe alinakho izixhobo zokuqinisekisa, kwaye umboleki makangadingeki ukuba aqinisekise ingeniso kuze kuqaliswe ukuhlawulwa kwemboleko.
Abanye abantu baya kubheka ingxelo ye-DU kwaye bakholelwe ukuba ingeniso iqinisekisiwe xa ingenayo ingeniso okanye ingqesho ingaqinisekisiwe. Khumbula ukuba nayiphi na ikhefu kwingqesho kwiminyaka emibili edlulileyo iya kufuna inkcazo ecacileyo ukuba ifunde phantsi.
I-FICO Izikolo ezichazwe yiDesktoprini phantsi
Abanye ababolekayo ngezinye iinkcukacha baya kwi-Intanethi baze bathenge iingxelo ze-FICO ngenxa yokuba abaqapheli ukuba umbolekisi uya kuzuza loo manani kwi-desktop underwriter. Ukongezelela, amanqaku ombolekayo angathenga nge-intanethi ahlala ehlukileyo kunamanqaku eFICO achazwe kwi-desktop underwriter, ngoko kuya kuba yintsholongwane yemali kwingxenye yomboleki ukuzama ukuqokelela loo ngcaciso kwangaphambili.
I-FHA ineemfuno ezingaphantsi kwee-FICO kuneemali-mboleko eziqhelekileyo ezithengiswa kuFannie Mae. Ababoleki abaneziphumo eziphezulu ze-FICO bavame ukufumana inzala engaphantsi kunye nemigqaliselo ebolekayo. Nangona ababoleki abaneengxelo eziphantsi ze-FICO bafumana ixabiso eliphezulu .
Imilinganiselo eboniswa nguDesktoprini
Iingqinisiso zichazwe njengephambi kokugqibela nasemva kokugqibela. Izivumelwano zokugqibela-mali ziquka ukuhlawulwa kwemali yonke yepesenti njengepesenti yemali engenayo yenyanga. Intlawulo ye- PITI yokuhlawulwa ingaphinda ifake i-inshurensi yangasese yemali yomshuwalense okanye i-inshurensi yomhlala-mboleko, kunye nentlawulo ye-HOA yenyanga xa ikhaya liphantsi kombutho wabaninikhaya.
Intlawulo yenani lezindlu lifaniswa nomvuzo wenyanga ohlawula umvuzo kwaye uboniswe njengepesenti. I-low percent percentage, bhetele umbolekayo uvela njengomgqatswa wemboleko. Ukuba umlinganiselo uphakeme kakhulu, i-desktop underwriter ayiyi kuvuma umboleki.
Inomdla, ngokuqhelekileyo ayikho umlinganiselo wokugqibela obulala isicelo sokubolekwa kwemboleko, isilinganiselo sokugqibela. Amanani okugqibela ekupheleni awabandakanyi kuphela ukuhlawula kwezindlu kuphela kodwa zonke iintlawulo zeentyala eziqhubekayo njengoko zichazwe kwiivenkile zemali zokubika ngetyala. Umbolekayo unokuziva ukuba unako ukuphatha umthwalo wakhe weentlawulo ezikhoyo, kodwa ukuba loo milinganiselo iphezulu kakhulu, i-desktop underwriter ayiyi kuvuma umboleki.
Akuqhelekanga ukubona amaxesha okugqibela ekupheleni kwe-50%. Ukuba i-50% yengeniso yakho yenyanga yenyanga isetyenziselwe ukuhlawula amatyala kunye nentlawulo entsha yezindlu, umthengi wekhaya oqiqayo unokubuza ukuba ukuthenga ikhaya okwangoku kungomdla woluntu.
Kungaba luqilima ukuhlawula ezinye zelo tyala ngaphambi kokufaka isicelo sokuthenga imali.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.