Ezinye ezithengisayo zithengiswa ngabadayisi abayifumani ukuKhululwa kweMfanelo
Xa umnini-mboleko evuma ukwenza ukuthengiswa okufutshane, ngokuqhelekileyo kuza kwesi sigqibo kuba kunenzuzo kakhulu kwibhanki ukwenza ukuthengiswa okufutshane kunokugqithisa.
Kungenzeka okanye akufuneki ukuba umthengisi abe nobunzima bezemali kodwa ngokuqinisekileyo ikhaya liphantsi kwamanzi .
Ngokuthengiswa okufutshane, ibhanki iyavuma ukukhulula umboleko ngemali yokufumana imali engaphantsi kwexabiso elihlawulwayo. Kodwa akuyi kukhulula umthengisi. Ukukhulula umboleko kwipropati nokukhulula umthengisi izinto ezi-2 ezahlukeneyo. Ukuba unetyala le-$ 200,000 kodwa ikhaya lakho libiza i-$ 75,000, ibhanki ingamkela i-$ 75,000 kwaye ikhuphe umboleko. Nangona kunjalo, ngaphandle kokukhululwa kwemfanelo, unokufumanisa kwiminyaka embalwa kamva ukuba ibhanki izayo emva kwakho kwaye ifuna ukuba uhlawule u-125,000 umahluko.
Ukukhutshwa kweMfanelo kunye neNcwadi yokuVunywa kweSivumelwano esifutshane
Incwadi yokubhengezwa yentengiso emfutshane igcina isitshixo. Le ncwadana yokuvunywa yenkcukacha ngokucacileyo oko ibhanki ilindele. 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 ayilungiselelwanga, ke umboleki angagcina nayiphi na amalungelo ayifumaneka kumbolekiseli phantsi komthetho we-federal kunye / okanye welizwe ukulandela isahlulelo sokusilela .
Ungaze usayine i-letter yemvume yokuthengisa emfutshane ngaphandle kokucela igqwetha ukuba ulifunde kwaye likunike iingcebiso zomthetho. Musa ukucela i-arhente yakho kuba ngaphandle kokuba i-arhente yakho igqwetha, loo arhente ayinayo imvume yokukunika iingcebiso zomthetho. Kuchasene nomthetho we-arhente yendawo yokuhlala ukuchitha isiluleko somthetho.
Ndixelela abaxhamli bam ukuba ukuba ndibona incwadi yabo yokuthengisa yokufutshane ifumane ukukhululwa komthwalo, andinakuzicebisa ngolo hlobo. Ndibaxelela ukuba babize igqwetha. Ukuba le leta ayibonakali okanye ayiyikhankanyi ngokukhethekileyo, ndiya kunika ukuba umnxibelelwano nomthengisi ukuba azame ukufumana ukukhululwa kwetyala. Ngaphantsi kweemeko ndinika iingcebiso zomthetho.
Andiyi kukhwankqiswa ukuva abadayisi befakela i-lawsuits malunga neentengiso zabo zangaphandle kuba abo baxhasi baqinisekisa ukuba umbolekisi akayi kuhamba emva kwesigwebo esilahlekileyo. Nokuba eCalifornia, apho sinenhlanhla ukuba sibe nemali-mboleko ethile engekho-mboleko, leyo engeyiyo yokusebenza isebenza ngokubhekiselele kwintengiso, kungekhona kwimpahla emfutshane. Ngamanye amazwi, umthengisi othengise ngefestile kwimali -mboleko yemali ayikho isiqinisekiso sokuba umthengisi omthengisi omfutshane uza kubakhulula ngaphandle kokuba umboleki-mali uyakhupha umthengisi.
Sinesiqendu sesi-580e seKhowudi yaseCalifornia, esongezelelweyo ngoJanuwari 1, 2011, kodwa engakhange ivivanywe enkundleni, kwaye ayisebenzisi kwimali yesibini okanye kwiminyaka edlulileyo.
Iintlobo ze-Verbiage kwiVumelwano eziMfutshane zokuVunyelwa kweeNcwadi Iincwadi ezibhekiselele ekuKhululweni kweMfanelo
Ngelixa ndingenako ukunika yonke into enokucinga yokukhululwa kwembopheleleko okanye ukungaxolelwanga kweemfanelo kwiibhokisi zokuvuma ezithengiswayo ezimfutshane, nantsi imizekelo embalwa. Ezinye zale nkcazo zikhulula umthengisi, abanye banganikeli naluphi na uhlobo lokukhululwa kwemfanelo.
- Xa ibhanki ithola i-XXXXXX, i-bhanki iya kukhupha i-lien kwaye ihlawule ityala eliseleyo njengemali yokuqokelela.
- Ibhanki ivume imvume yokuphuhlisa. Akukho nto kule ncwadi iya kuthathwa njengobandlululo, ukukhupha, ukuguqula okanye ukuguqula noma yiphi na amalungelo ebhanki okanye amanyathelo emthethweni okanye ngokulinganayo ekuqokeleleni ixabiso elipheleleyo ngenxa.
- Ibhanki iyayivuma imvume yokuthengisa isakhiwo sakhiwo esiza kubangela umvuzo omfutshane we-mortgage. . . kwaye uya kulahla nawaphi na amalungelo okungafanelekanga, ukuba kusebenza.
- Emva kokufumana le ntlawulo, siza kuxela ityala "lihlawulwe ngokugcwele ngaphantsi kwexabiso elipheleleyo" kuzo zonke i-arhente zeentengo.
- Umboleki kufuneka asayine imvume yokuqhotyoshela kuyo yonke imiqathango echazwe kulo mvume kwaye kufuneka uvume ukuba ibhanki igcina onke amalungelo anelungelo njengoko kunikwe i-note, i-trust ye-trust kunye / okanye isivumelwano sezokukhuseleko kunye nemithetho yendawo kunye nomthetho.
- Ibhanki iyavuma ukuba yamkelwe kwiimali eziqinisekisiweyo i-XXXXXX njengentlawulo epheleleyo yemboleko, ngaphezu koko, ibhanki iya kubika inani letyala elixolelwe kwiNkonzo yangaphakathi yeNgeniso.
- Ibhanki inokuphishekela ukuhluleka kwezahlulo kwiimali ezifunyenweyo kunye ne-balance balance, ngenxa yokuba ingavunyelwanga ngenye indlela okanye ingavunyelwe ngumthetho ukuba ukuthengisa okufutshane kuvala umboleko okhankanywe ngentla.
- Emva kokufumana iimali zebhanki ziza kukhupha i-lien, kwaye ukungabikho kwemali kuya kubikwa njengento yokuhlawula imali yokuhlawula imali.
- Emva kokufumana imali evunyelweneyo, ibhanki iya kushiya ibhalansi eseleyo ngenxa ye mboleko ekhankanywe ngasentla kwaye ikhulule umbolekekisi ukuba ayimbopheleleko, kwaye ulahle onke amalungelo ukuba enze isigwebo esingekho okanye ukusilela.
Ukuba ibhanki ayiyi kukunika ukukhululwa kwemfanelo, unokufuna ukunikezela ngegalelo lomthengisi ukunyusa ibhanki ukuba inikezele. Ngamanye amaxesha uya kufumana uxoxisana naye ongayiqondi umgaqo-nkqubo webhanki. Ukuba uvakalelwa kukuba ibhanki ayinalo ilungelo lokwenza isigwebo esilahlekanga kwaye ibhanki yenqabe ukukukhulula, unokufuna ukunyusa ifayili kwiphathimandla ukuze ukhululwe. Kodwa ukuba zonke ezinye izinto ezihlulekayo, ukubetha okulungileyo kukucela ugqwetha ukuba ukhulule umthwalo kuwe okanye ubuncinci ukucacisa amalungelo akho omthetho ukuba ukufunyanwa kwemfanelo akunakufumaneka.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.