Hlola i-DU yakho yeFayile ngaphambi kokukwabelana ngolwazi
Njengabathengisi basekhaya abaxhamla ngakumbi malunga nenkqubo yokuthengisa ikhaya , baninzi bacela umboleki ukuba ahambe elo nyathelo elizeleyo kwaye anikezele i-DU kunye naloo mnikelo wokuthenga. Kwiminyaka edlulileyo, ngaphambi kwe-Intanethi, abathengisi abanakuze beve nge-DU, esona sandla esifutshane se-desktop phantsi. Nangona kunjalo, ukuqhelana ne-DU kwaye ukwazi ukutolika iziphumo zayo zizinto ezimbini ezahlukeneyo. Omnye usenokufuna iinkonzo zomthengisi wemboleko ukuze achaze i-DU ngolimi olufanayo.
Yintoni i-DU?
I-DU okanye i-desktop engumgcini-zincwadi ibonisa umfanekiso opheleleyo wemali yomboleki. Yinkqubo yokubhala phantsi kwe-automation eyenziwa yi-Fannie Mae kodwa nayo isetyenziselwa ukuboleka kwe-FHA . Isishwankathelo sokuqala sibonisa ukulingana kweziboleki, zombini ukuphela kokugqibela kunye neziphumo zokugqibela. Umphelo ongaphambili ngumlinganiselo weentlawulo zempahla, kuquka iirhafu kunye ne-inshorensi, ngokumalunga nomvuzo owenziweyo ngenyanga. Eli nani libizwa ngokubhekiselele kwixabiso lezindlu.
Yithi, umzekelo, umntu obolekayo ufumana ama-dollar ayi-80,000 ngonyaka, okuya kuba malunga nama-6,666,67 ngeenyanga. Isamba se-$ 2,379.33 se-PITI (kuquka i-inshurensi yangasese ye-mortgage okanye i-PMI) iya kufanana nomlinganiselo wezindlu wama-35.69%. Ukuba lowo obolekayo unalo netyala eliqhubekayo elidibanisa kwi-252 eyongezelelweyo yenyanga, eyayiza kuzisa umlinganiselo wokugqibela, okanye ixabiso lokugqibela, ukuya ku-39.48%.
Iintlawulo zeenqwelo zezimoto zisoloko ziyingcaciso engcolileyo ephosa umthengi kwii-ratios eziphakamileyo ukuba afanele ukuthenga ikhaya.
I-DU ingafuna kwakhona ukuba amatyala athile apheliswe okanye ahlawulwe ngaphambi kokuvalwa. Ingabonakalisa ukuthengiswa okufutshane okanye ukuchithwa okukuthi, nangona amaxesha afanelekileyo adibeneyo, umgcini-phantsi phantsi kwamanqaku okugqibela angaphikisha imboleko.
I-DU iza kubhala uluhlu oluninzi lwababolekisi, iimali ezihlawulwayo kunye neentlawulo zenyanga. Umntu-mboleko ulindele ukuba umbolekisi ahlawule.
Ingumfanekiso wesikweletu kunye neempahla njengoko kuchazwe ngabathengisi abathile kunye nomboleki kwisicelo semboleko, esibizwa ngokuba yi-ten-oh-three (1003).
Ngamanye amaxesha umboleki-mboleki uya kubamba i-LP, emele i-Loan Prospector. Oku kusetyenziswa nguFreddie Mac, kwaye iimfuno zayo zihlukile. Ngokomzekelo, imfuno yeminyaka emibini yengqesho ingancitshiswa unyaka omnye kwi-LP. Kwakhona, ukuba intombi ithenga ikhaya kunye nabazali bakhe, umbolekisi angasebenzisa iLP kuba ivumela ukuba onke amaqela afaneleke ukuba ngathi umnini uhlala esikhundleni somntu ongekho umnini. Izitishi zenzalo ezithathelwe ngumnikazi ziphantsi kunomnini ongekhoyo.
Ukusebenzisa i-DU ukunikezela umthengi kwi-Edge ngexesha leeNtetho zeNtetho ezininzi.
Abathengi bahlala bexhala malunga neemeko ezibonelela ngamanye amaninzi kwaye ngamanye amaxesha bayakrokra ukuba iimeko ezichasene nazo okanye i-agent uzama ukuxhathisa intengiso, kodwa izibonelelo ezininzi zinyani kwaye zenzeke kakhulu kwiimarike zathengisi. Into enjalo ukuba ukhangele ikhaya elihle, ngokunjalo ngaba-20 abathengi. Ngelixa wonke umthengi a tyelela ikhaya ofuna ukuyithenga, okwaneleyo kubo kuya kuvelisa ngaphezu kwesinye isibonelelo. Kungenxa yokuba kukho izibonelelo ezininzi azikho isizathu sokuyeka nokuvakalisa ukunqotshwa.
Unokuyiphumelela imeko ephakamileyo yokubonelela ngokuma nje ngaphandle kwabanye abathengi.
Enye indlela yokwenza ukwahlula kukubonisa umthengisi imali. Abadayisi bafuna ukwazi ukuba umthengi ufanelekile ukuthenga ikhaya lakhe kwaye anikezelwe kwinkqubo. Ileta yokumisela isilathisi okanye ibhokisi yokulandelwa kwangaphambili ayinelanga. Bonke basho ngokufanayo into efanayo - ukuba umthengi ufaneleke ukubonelela ipropathi ngokwayo ukuba ihlole kwaye ilandele izikhokelo. I-DU yindlela yokubabonisa imali. Ihamba ngaphaya kwemali, enokukubonelela ngokubandakanya izitatimende zebhanki, kwaye ibonisa umfanekiso wakho wezezimali, kubandakanywa izikolo zakho ze- FICO .
Xa abathengisi befunda nge-DU, umthengisi akanakho ukuyiqonda yonke into, kodwa umthengisi uyazi ukuba amanqaku aphezulu e-FICO abonisa ukukhwabanisa okuphezulu.
Ngakolunye uhlangothi, ukuba izikolo zakho ze-FICO ziphantsi kuneyona ndlela, ungase ungafuni ukubonelela loo ngcaciso kumthengisi. Esi sicwangciso sisebenza kakuhle phakathi kwababoleki abaqeqeshekileyo.
Abanye benu banokuzibuza ukuba kutheni umntu oza kuphazamiseka ngokufumana i-DU ukuqinisekisa ubungqina bemali mboleko xa umthengi ebeka phantsi i-20% okanye ngaphezulu ngemali. Kodwa khumbula ukuba ngamanye amaxesha isikweletu somboleki sibi kangangokuba indlela yodwa umboleki-mali uya kuzuza umthengi ukuba ngaba umthengi ubeka i-chunk enkulu yenguqu. Inkokhelo ephantsi ephantsi ayisoloko ibonakalisa ityala elibi. Thatha umthengi we- VA mboleko , umzekelo, ngubani obeka phantsi. Iimfuno zokufumana imali ngaphandle kokuhlawula ngokuqhelekileyo ziphezulu kakhulu kunokuba zibeka imali encinci. I-DU imane ikhuphe ibango lakho kumnyama nomhlophe, kwaye unokuyithengela i-bippy yakho enomthi omnye umthengi angayi kucinga ukuba uyinike.
Ngexesha lokubhala, u-Elizabeth Weintraub, uBRE # 00697006, ungumthengisi-Associate eLyon Real Estate eSigramento, eCalifornia