Yintoni eyenza i-Bonafide Sale Sale?
Ukuthengisa okufutshane kunokuba ngumzi ongaphantsi kwamanzi , isakhiwo sezindlu okanye umhlaba ongenamntu.
Ukuba kukho ibhalansi yokuboleka imali ephezulu kunexabiso lemarike kwikhaya, loo propati ibonwa njengento esithengiswayo emfutshane, ukubonelela ngetyala.
Abantu abaninzi abaqapheli ukuba ukuthengiswa okufutshane kunokukwenzeka xa iindleko zokuvala zichithwa kwixabiso lebhanki. Ikhaya liyakwazi ukuthengisa ngokufutshane, umzekelo, ukuba intengo yokuthengisa eyamkelekileyo iphezulu kunomtsalane kodwa ayikho phezulu ngokwaneleyo ukuhlawula zonke iindleko zokuvala kunye nee-commissions. Ukongezelela, kwezinye iimeko ezibandakanya amabhanti amabini, ixabiso lokuthengisa linokuphakama ngokwaneleyo ukuhlawula imali ekhoyo ekhoyo yangaphambili kodwa enganeleyo ukuhlawulela ngokupheleleyo ibhalansi ngenxa yesibini .
Ukuba kukho ukunqongophala okubandakanyekayo ukuvalela, kuthengiswa okufutshane ukuba umdayisi akayi kubhalela i-gap ngemali yakhe.
Ukuthengiswa okufutshane kukuNelungelo, Akunelungelo
Akuyiyo yonke impahla ifanelekileyo njengentengiso efutshane kwiibhanki. Ibhanki kufuneka ivumelane nokunikezela ukuthengiswa okufutshane.
Amabhanki aphantsi koxanduva lokuvumela ukuthengisa okufutshane. Amabhanki aya kunika ukuthengiswa okufutshane ukuba ibhanki ivakalelwa kukuba ibhanki ibaluleke kakhulu ukuvuma ukuthengiswa okufutshane.
Kusemdlalweni webhanki ukuvuma ukuthengiswa okufutshane ukuba ibhanki iya kwenza imali ngokuthengisa okufutshane kunokugqithisa kwangaphambili. Kuqikelelwa ukuba iibhanki zingasindisa i-25% ukuya ku-30% kwiindleko zokuqhawula ukunikezela ukuthengiswa okufutshane malunga nokugqithiswa, kodwa ezinye izikhokelo zotyalo-mali zenza ukuba kubekho inzuzo ngakumbi kwibhanki ukuba igxilwe ngaphambili.
Yintoni eyimfuneko yokuthengiswa okufutshane?
Uninzi oluninzi lweentengiso zithengiswa ngabashente bezindlu ezizodwa ezizodwa ngokuthengisa okufutshane. Kukho izixhobo eziyimfuneko ezi-4 zokuthengisa okufutshane; nangona kunjalo, ukuthengisa okufutshane okucwangcisiweyo , abangenayo ubunzima, nako nako. Yintoni eyenza umsebenzi omfutshane wokuthengisa ngolu hlobo lulandelayo:
- Ikhaya elingaphantsi kwamanzi
- Ibhanki elincinci lokuthengisa
- Umthengisi ngobunzima
- Umthengi ozimisele ukuthenga ikhaya
Iyiphi indima Ngaba abaThengisi beMpahla abaThile baDlala ngokuThengisa okufutshane?
Abanye abameli bezindlu bachitha imizi kwiimarike ezingenakuvalwa njengoko kuthengiswa okufutshane. Kungenxa yokuba ii-agents azikwazi ukufumana ithuba lokuthengisa abadayisi abafutshane. Ezinye iingcali zibonisa i-tags yexabiso eliphantsi ngokungenangqiqo kwithengiso elifutshane, apho ibhanki ayisoze yamkela. Kuqikelele ukukhetha i- arhente esithengisa iifutshane efihliweyo efikile ubuncinane ukuthengisa okufutshane oku-100. Nantsi into eyenziwa ngummeli kwintengiso emfutshane:
Inquma uhlobo lokuthengisa okufutshane . Kukho iintlobo ezininzi zokuthengisa okufutshane, ukususela kwi- Fannie Mae ukuthengiswa okufutshane ukuya kwii- HSE ze -GSE ezingekho kwi-GSE ukuthengisa okufutshane, kunye nezinye ezimbalwa phakathi.
- Ubutha iimpapasho ezifunekayo aze athumele ipakethe yokuthengisa emfutshane ebhankini. Ngamanye amaxesha abameli baxhomekeke kule nxalenye yenkqubo yeprojekthi bangabhawula umntu wesithathu ukuba bathethe inxaxheba kwintengiso emfutshane, kodwa ndikhetha ukuzisebenzisa, ukuzakhela izandla.
- Unceda umthengisi ukuba athenge ixabiso elifutshane kwikhaya lokuthengisa . Ixabiso kufuneka likhangele ngokwaneleyo ukukhohlisa umthengi ukulinda imvume yokuthengisa emfutshane kodwa ephakamileyo ngokwaneleyo ukuze anelise iBPO yeBhanki.
- Uhlaba ikhaya kwikarhwebo. I-arhente kufuneka ifake zonke izibonelelo ezifunyenwe kumthengisi. Ezinye izinikelo ziya kuba ne- lowball zinikezelo kuba abathengi abazi lutho olungcono.
- Uthetha ngokuthengisa okufutshane. Ngamanye amaxesha abathengisi baya kuqesha igqwetha ukuba lenze ukuthengiswa okufutshane , kodwa ngokuqhelekileyo, kwiindawo apho kuvunyelwe khona, ngummeli oxoxisana nebhanki egameni lomthengisi.
Uhambisa incwadi yokuthumela imfutshane kwintengiso kumthengisi. Uninzi lwabathengi bafuna ukukhululwa kwemfanelo kwaye akukho nto yaneleyo yokuthengisa okufutshane. Imithetho kaRhulumente ithambekele ekulawuleni imiqathango kwiincwadi zokuvunywa .
Abadayisi kufuneka bahlale befumana iingcebiso zomthetho kunye neerhafu ngaphambi kokugqiba ukuthengisa okufutshane.