Umbuzo: Iyini Intengiso emfutshane ye-Equator?
Umfundi uyabuza: "Xa ndithetha nommeli wenkonzo yabathengi e-Wells Bank yaseBengo, ndixelelwe ukuba ukuthengiswa kwam okufutshane kuya kulawulwa yi-Equator kwaye ukuba i-arhente kufuneka ikwazi ukungena kwi-Equator kwiwebhusayithi yayo. kwaye akazange azive nge-Equator. Ngaba le nto into yokuba mna, njengomnini ofuna ukuthengisa ikhaya lam njengentengiso emfutshane, unokuzenza ngokwam?
Impendulo: I- Equator yokuthengisa emfutshane ayilwanga ngosuku olunye, kungakhathaliseki ukuba ungayiva. Ngenxa yoko, ukukholelwa okanye akunjalo, ngaphambi kokuba kubekho ukuthengisa okufutshane, kukho ii- REO . I-REO ingumfanekiso "we-real estate owned", leyo yipropati eye yangena kwinkqubo yokuqhaqhafaza kwaye ngoku iphethwe yibhanki. I-REO yindawo yokuhlala ephantsi kwebhanki.
I-Equator iqalile njengeqonga lokusingatha iphepha kunye nemisebenzi ye-REO.
Nangona ukuthengiswa okufutshane kungaba yipropati ekhoyo kwi-foreclosure kwaye ihambele isimo njenge-REO, kodwa ukuthengiswa okufutshane nako kwakhona ikhaya elingenakho ukucima. Akusiyo isigqibo sokuthi ukuthengiswa okufutshane kuya kuba yi-REO kuba akuthenganga ukuthengiswa okufutshane kukufuna ukuba umthengisi angenzi phantsi. Ngaphezu koko, akuwona wonke umthengisi ofuna ukuyeka ukwenza iintlawulo zempahla yokuthengisa imali nje ukuthengisa okufutshane. Kodwa ukuthengiswa okufutshane kusoloko kwipropati engaphantsi kwamanzi. Ngamanye amazwi, ipropati emfutshane yokuthengisa ixabiso elingaphantsi kwexabiso elihlawulwa kwibhankini.
Kodwa ukuba ikhaya liyi-REO, liyakwazi ukusingathwa kwi-Equator efanayo ne-equator ukuthengisa okufutshane ukuba ibhanki ivumela.
Ukuthengiswa okufutshane kwe-Equator Kwaqala njani?
Inkampani eyenze iqonga elisekelwe kwifu lokuqhuba i-REOs kwiibhanki yi-REOTrans, ezithengela igama le-domain ngo-2003. Le nqonga ye-intanethi ithande amabhanki amakhulu amakhulu kwaye yanikezela ngemveliso ukuba iqokelele abaphathi bee-asethi nabarhwebi bezindlu ezithengisa nokuvala ii-REOs.
Ama-Agents ajoyina i-REOTrans ukwenza i- BPO ngokuthembela kokuseka ubudlelwane nomphathi we-asethi abaza kubanika i-REO uluhlu kamva. I-REOTrans yaba yimpumelelo kakhulu kwi-REO shishini. Kwakuyintuthuko yendalo ye-REOTrans ukwenza into efanayo nokuthengisa okufutshane. Yenza i-Equator.com ngo-2009 ukulungiselela ukuthengisa okufutshane. Ulwazi malunga nokuthengiswa okufutshane kwe-equator kufumaneka kuyo nayiphina ikhomputha kunye noxhumano lwe-intanethi, nje kuphela ukuba umsebenzisi angena kwi-USER ID kunye nephasiwedi.
Ngubani ohlala kwi-Equator?
Amacandelo amabini asemqoka angama-Equator. Abameli bezindlu kunye neebhanki. Ibhanki inika ufikelelo kubathengiselwano abafutshane abathengisayo , kunye nabashenxi bezindlu zangasese abhalisa njengabasebenzisi ngabanye. Ngokuqhelekileyo, uluntu aluthathi nxaxheba kwi-equator ukuthengiswa okufutshane. Ukulandela uluhlu oluthile lweebhanki zentengiso ezinokuthi zisebenzise i-Equator, ziza zihambe ngokuxhomekeka kwiimarike:
- I-America's Servicing Company (ASC)
- Bank of America
- Carrington
- GMAC / Ally
- Indawo yokuhlala
- JP Morgan Chase
- Nationstar
- Wells Fargo
Umsebenzi Wokuthengisa Ofutshane Ngokufutshane?
Ngandlela-thile, iibhanki ziye zathola indlela nge-Equator ukuba idlulisele umsebenzi omkhulu wencwadi kwi- ejenti yokuthengisa emfutshane . Ngokomntu, andinakuyithemba i-arhente yendawo yokuhlala kunye naloo mandla amaninzi, kodwa ndicinga ukuba inkqubo yokucinga ingummeli kufuneka ikwazi ukufaka amagama, iinombolo zomnxeba, iidilesi ze-imeyile kunye nolunye ulwazi lweencwadi, kuquka neendleko zokuthengiswa kunye nexabiso lokuthengisa .
Amagcisa ayaziwa ngekhono lokuthengisa kunye nezakhono zabantu kwaye kungekhona ezo zakhono zabo zamaphepha okanye iinkcukacha zabo.
A ndi kholelwa? Yiya kwiphina iofisi yezabelo kunye neentsimbi ze-"squirrel". Bona ukuba zininzi iintloko zincinci. Ha, ha, ukuhleka kancinci. . . nje ukulahla nge.
I-equator yenkqubo yokuthengisa ifumaneka ngokufutshane idala "imisebenzi" kwaye inika umhla wokugqibela umsebenzi ngamnye ozakugqitywa. Omnye umsebenzi onjalo unokuba ungene kwigama lomthengi, idilesi yasekhaya, inxalenye yombolo yokhuseleko lomthengi nenombolo yefowuni. Ekubeni amaninzi amanxusa aqokeleli ulwazi olwangasese nolwangasese, ezinye zezo nkcukacha zenziwe.
Ibhanki ngalinye linalo iifom zayo kwi-Equator ukuthengiswa okufutshane kunye neenkqubo zayo. Ezinye iibhanki ziya kuvumela i-arhente yendawo yokuhlala ukuba iqalise ukuthengisa okufutshane kunye nezinye iibhanki ziza kufuna ukuba umsebenzi webhanki aqalise ukuthengiswa okufutshane.
Nganye i- HUD iyahluke. Iintengiso ezifutshane kunye nabathengisi bebhanki baxhuma kwi-imeyli ye-Equator.
Emva kokuba zonke iifayili zilayishwe kwi-Equator, kwaye iibhanki zigqibile imisebenzi yazo yangaphakathi, kubandakanywa ne-BPO, isibonelelo se- counter singase senzeke. Ukuba isibonelelo sekhawuntri senzeke kwi-Equator, akuyiyo into oya kuyicinga xa uva ukunikezelwa kwexesha lokugqibela. Ingumnikelo ohambelana nezikhokelo zomtyalomali, oqhelekileyo kubandakanya ukuphelisa okanye ukunciphisa iindleko ezithile zokuthengisa. Kodwa ingaquka intengo yokuthengisa. I-arhente emfutshane yokuthengisa iyakwamkela okanye ibalawule umnikelo we-counter.
Emva kokugqitywa kwemigangatho yokugqibela phakathi kwamaqela, i-HUD yokugqibela ilayishwa rhoqo. Ezinye iibhanki zenze iinjongo eziphakamileyo ze-HUD ezi-2 - ngelixa ezinye iibhanki zaziwa ngokuba zicela ii-HUD ezingama-25. Ndiya kukushiya ukuba uqaphele ukuba yiyiphi ibhanki inkundla enetyala. Iqala nge-B. Xa umnxibelelwano omfutshane uthengisa ngamaxwebhu kunye nemigangatho yesondlo, incwadi yokuvuma iyenziwa ngokubhankini.
Xa ithengiselwano ivaliwe, i-ejenti yokuthengisa efutshane ilayishe amaxwebhu okuvala okugqibela kwi-Equator, kwaye ifayile ifakwe. Ndiyathemba, ungaze ubone kwakhona ukukhanya kwemini.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.