Indlela yokuSebenza kwangaphambili
Abanye abathengi abanentsingiselo enengqondo banalo mfanekiso kwingqondo yabo yendlu encane enhle, ejikelezwe ngcingo olumhlophe olunomama ongumhlolokazi owawela kumaxesha amanzima, kodwa imeko eninzi ayikho into ekhoyo.
Umfanekiso wangempela udla kakubi.
Ukuchithwa kwindlu eyabhankini, eyayibe ngumnini wezindlu. Umnini wekhaya unokushiya ikhaya okanye enze ngokuzithandela ikhaya lakhe kwibhanki. Uyakuva i-bhanki ithatha ipropathi, kodwa ibhanki ayizange ibe nepropati kwindawo yokuqala, ngoko ibhanki ayikwazi ukubuyisela into ethile ebhanki engazange ibe nayo. Ibhanki ikhonjiswe kwi-mortgage okanye kwizenzo zethente kwaye ithatha indlu. Kukho umahluko.
Kutheni abathengisi beya kwi-foreclosure?
Abathengisi bayeke ukuhlawula iintlawulo ezininzi. Bambalwa bakhetha ukungena ngokuzithandela. Ngokuqhelekileyo kukho umphumo ongalindelekanga ngolu hlobo lulandelayo:
- Ukukhishwa, ukuxothwa okanye ukuyeka umsebenzi
- Ukungakwazi ukuqhubeka nokusebenza ngenxa yeemeko zonyango
- Ukuhlawulwa kwetyala kunye nokunyanzela uxanduva lwebhili
- Ukuxhamla kunye nomnini-mlingani, umtshato
- Ukutshintshwa kweJob kwelinye ilizwe
- Imiba yesondlo abayikwazi ukuyenza
Ngethuba lokuhlaselwa kweemarike ukususela ngo-2005 ukuya ku-2011, abaninzi abanini bezindlu bahamba emakhaya abo ngenxa yokuba ixabiso liye lawa kwaye banetyala elingaphezu kwamakhaya abo.
Oku kwakungesiye isisombululo esihle kakhulu, kwiimeko ezininzi, kodwa kwakuncedo olukhawulezileyo kubaphathi bezindlu.
Ukusebenzisana ngokuthe ngqo kunye nabathengisi kwi-Foreclosure
Abatyalomali abakhethekileyo ekuthengeni izinto ezinqabileyo bahlala bekhetha ukuthenga le mizi ngaphambi kokuba kuqhutywe iinkqubo zokugqibela. Ngaphambi kokusondela kumthengisi osizini, cinga:
- Inkqubo yokuqhawula isahluko iyahluka ukusuka kummandla ukuya kwilizwe. Kwimihlaba apho kusetshenziselwa khona imali yokubanjiswa kwemali, abaninimzi banokuphela ukuhlala kwipropati malunga nonyaka; nangona, kwiindawo apho kusetyenziselwa khona izithenjwa zentembelo, umthengisi uneminyaka engaphantsi kweenyanga ezine ngaphambi kokuthengiswa kwetrasti.
- Phantse wonke umbuso unika ixesha lokuhlengwa . Oku kuthetha ukuba umthengisi unelungelo elingenakuguqulwa ngexesha lokuhlala ixesha elide lokunyanga okungekho phantsi, kuquka ukuhlawula zonke iindleko zokuqhawula, inzala emva kunye neentlawulo zeenqununu eziphosakeleyo, ukuphinde uphinde ulawulwe kwipropati. Ukufumana ulwazi oluthe vetshe, qhagamshelana nommeli wezezindlu.
- Amaninzi amaninzi afuna ukuba abathengi banikezele abathengisi abathile malunga nokuthenga okulinganayo. Ukungaphumeleli ukubonelela ezo zaziso kunye nokulungiselela amalungiselelo kwimaphepha efunekayo kunokubangela iintlawulo, izigwebo okanye ukuchithwa kweentengiso.
- Qinisekisa ukuba unobumba bomntu onokuyisebenzisa ngokulula umonakalo womthengisi phantsi kwezi meko kunye / okanye ukubeka intsapho ngaphandle kwesitalato. Oo, abagxeki baya kuthi bangomashishini kunye nabathengisi banelungelo lokufumana oko, nokuba ngaba iintente ezintlanu kwidola. Abanye baya kubonisa imfesane baze bazikhohlise ngokwabo ukuba "banceda" abanini bezindlu baphephe ukuhlazeka, kodwa ngaphakathi ngaphakathi, uyazi ukuba akunjalo.
Ukuthenga ikhaya kwiTrasti yokuThengiswa
Hlola kwiofisi yakho yasekuhlaleni ukuze ufumanise indlela ukuthengiswa kwendawo yakho kuyenziwa ngayo, kodwa iindibano eziqhelekileyo phakathi kwabo baseSigramento zi:
- Akukho mboleko
- Iimfuno zokuvalwa
- Ubungqina beemfundo zemfundo
- Iindleko zemali ezizimeleyo
- Ukuthengwa kwepropati "njengoko"
Ngamanye amaxesha abathengi abavunyelwe ukuhlola indlu ngaphambi kokuba benze isipho. Ingxaki yokuthenga indlu engabonakaliyo awukwazi ukubala ukuba kuya kuba neendleko ezinjani ukuphucula isakhiwo okanye ukuyifakela kwimigangatho efanelekayo. Awazi na ukuba umhlali uya kubuyiselwa kwaye awonakalise ngaphakathi. Ngaphezulu, ungadinga ukukhupha umqashi okanye umnikazi kwisakhiwo emva kokuba ufumene isihloko, kwaye iinkqubo zokukhutshwa zingabangela ixabiso.
Enye ingxaki ingaba ziingxelo ezibhekiselele kwipropati eya kuba yinkathazo emva kokudluliswa kwetayitile.
Abanye abatyali-mali abathengayo kwii-trustee zokuthengisa bahlawula ukukhangela itekisi kwangaphambili ukuphepha le ngxaki. Laba bafana ababonisa ukuzithengisa kumanyathelo enkundla baqeqeshelwa, kwaye bathenga izinto ezingenakudityaniswa kwintengiso njengeshishini. Baye bathenga ukuthenga ukukhutshwa kwexabiso kwixabiso elincinci ukwenza inzuzo enhle xa beza kufaka indlu. Awudingi ukuqesha i-arhente yendawo yokuhlala ukuthenga ukuchithwa kwintengiso, kodwa kufuneka ukuba wazi ukuba wenza ntoni ukukhuphisana neenzuzo.
Ukuthengwa kweNkcazo kwiBhanki
Iibhanki ezininzi azithengisi amakhaya ngokuthe ngqo kubatyalomali okanye abathengi basekhaya . Ukuba ibhanki ikulungele ukuthengisa amakhaya ngabanye kwaye ingabi ngexabiso lokuthengisa, ibhanki iya kubhala ngokubanzi ikhaya nge-arhente yezindlu. Kukho ii- agents ze-REO ezizodwa ngokuchanekileyo kwizihlomelo zokuvalwa.
Kuqhelekileyo ukuthenga ukuchithwa ngqo kwi-bhanki kwindawo yokuthengwa kwezinto ezininzi. Ngokuthengiswa kweeninzi, iibhanki ziza kuphawula iqela leepropati zibe yintengiselwano enye kwaye zizithengise zonke ngokukhawuleza kwiqela elinye. Leyo yindlela efanelekileyo yokuthenga ukuchithwa xa unokukwazi ukuyifumana, ngokuba izaphulelo ziqhele kakhulu.