Yintoni i-Letter yokuVunywa yokuThengisa okufutshane?

Funda ukuba ungayiqonda njani incwadi ebhaliweyo yokuthengisa

Ukuthengisa okufutshane kufakwenzeka xa abathengi bevumela abanikazi ekuhluphekeni ukuba bathengise amakhaya abo ngaphantsi kunokuba banetyala. Ngaphandle kokufumana ileta yokuvuma yokuthengisa emfutshane , abathengisi kunye nabathengi abanayo izabelo ezifanayo ngexesha lokuthengisa okufutshane. Ukufumana ibhanki ukuba ivume ukuthengiswa okufutshane kunye nokunciphisa ukusilela ukuba kukho na, abathengisi ngokubanzi bafuna ixabiso eliphezulu. Abathengi bathumela izibonelelo eziphantsi kwiintengiso ezimfutshane ezenza amaqela amabini aphikisana.

Amaqela kwintengiso emfutshane amaninzi afaka uphawu lwefidavithi yobude egcina ukuba bahluke.

Kodwa ngandlela-thile ukuthengisa okufutshane kufumana ndawonye - ngokuqhelekileyo ngenenhlanhla kunye nokunyuka kwezinto ezininzi. Konke oku kulandelelwano lwefom yeemvume ezifutshane.

Ixesha apho ibhanki iqhuba ukuthengiswa okufutshane kwaye ivelise i-letter yokuvunyelwa inokulinganisa ukusuka kwimibini ukuya kwiintsuku ezintathu kwiibhanki ezincinci ezintathu ukuya kweenyanga ezine kwiibhanki ezinkulu. Ukuvunyelwa kuxhomekeke ikakhulu kumtyalo-mali.

UkuVunyezwa okufutshane okuThengisiweyo

Ileta yokuvuma yokuthengisa emfutshane ichaza ngokucacileyo ukuba ibhanki ilindele ntoni kumthengisi. Ibeka imigaqo elandelayo, phakathi kwezinye izinto:

• Ixabiso elithengisayo lokuthengisa
• Amakhomishini amkelekileyo amaninzi
• Iindleko zokuvala eziphezulu
• Inkcitho encinci yemali
• Umhla wokuvalwa

Incwadi yonke yokuthumela imvume encinci iqulethe ukukhutshwa kwetyala . Enyanisweni, ezinye iincwadi zokuvunywa azijongisi ukukhululwa kwetyala kuzo zonke.

Amagqwetha athi ukuba loo nto ayibhekiswanga nayo, umboleki-mali angagcina naziphi na amalungelo ezifumanekayo kumboleki ukuba aqhubeke nesigwebo esilahlekileyo phantsi komthetho we-federal kunye nombuso.

Ukuvunyelwa kweSatifikethi esifutshane KwieNcwadi eziPhakathi kweeBhanki

Yonke ibhanki inabameli kwaye yiyo eyayilungisa iiflathi zetekethi zeemvume zokuthengisa ezifutshane.

Unobumba obuninzi obuninzi bokuthengiswa kwamagama ludalwe ngamagqwetha. Iileta ziqulethe ulwimi malunga nokuba umbolekiso uza kubhengezwa njani kwi-arhente zeebredari, nokuba ngaba i-1099 iya kukhutshwa kwaye ngaba ngabadayisi bangayigxotha ibhanki kamva. Ewe, ibhanki inokulondoloza ilungelo lokumangalela umthengisi. Yingakho kubaluleke kakhulu ukuba abathengisi babuze ummeli we-real estate ofanelekileyo ukuba ahlaziye incwadi ebhaliweyo yokuthumela intengiso ngaphambi kokuba amkele imimiselo nemiqathango yayo.

Ngokomzekelo, ileta ekhutshwe kwiBhanki yaseMelika isithengiso esifutshane sinokuthi ihluke kwi-Wells Fargo incwadi yokubhengezwa kwintengiso emfutshane, kuxhomekeke kwi:

• Ingaba iibhanki ikhupha umthengisi kwixanduva lomntu
• Isikhundla semali-mboleko ekhoyo
• Imvelaphi yemboleko

Ukongeza, ibhanki ye-bhanki ye-intengiso ye-bhanki ekhutshwe yintsimbi enye inokuthi ihluke kwiinyanga ezithandathu ezikhutshwe kamva. Ngokuqhelekileyo, izandiso, xa zinikeziwe, aziyi kubhalwa kwakhona kwileta evulekileyo yokuthengiswa kwezinto ezifutshane kodwa zilungiso okanye zongezeleleke kwiimvume zokuqala. Ezinye iibhanki azikhiphi incwadi yokugqibela yemvume yokuthengisa kwangoko ukuvalwa. Uxwebhu olukhutshwe kwangaphambili luvame ukuvunywa kwangaphambili okanye kwemvume yokuthengisa okufutshane.