Yiyiphi iNyathelo kwiNgingqi yeNgqungquthela?

Iinkonzo kunye neNgxowa kwiNyathelo kwiNgingqi yeNgqungquthela

Ukwandisa, njengoko ndiva malunga neebhanki ezibonelela ngabanikazi bezindlu ukuba zikhethwe yinto eyenzekayo endaweni yokuthengiswa kwexesha elifutshane , ndiqhubeka ndibuyela kwisiseko esisisiseko. Kutheni umntu ukuba afune ukunika ibhanki isenzo endaweni yokuqwengula? Okubalulekileyo, ukuba ibhanki iyalahla ukuthengiswa kwakho okufutshane, ibhanki ikuxelela ukuba uhambe i-pound isihlabathi. Ngaphantsi kweemeko, kutheni ufuna ukukunceda ibhanki?

Ngokombono wam, isenzo kwindawo ethanda ibhanki ngaphezu kokuba inomntu onomnini.

Lilixesha lokugcina ibhanki ikuncede? Ngaphezu koko, kutheni ufuna ukukunceda ibhanki engafuni ukukunceda? Uninzi lwabantu lujamelana nesenzo kwisigqibo esithile emva kokuba ibhanki inqabe ukulungiswa kwemboleko okanye inqatshelwe ukuthengisa okufutshane . Enyanisweni, ukuba unobulungisa, ungayithengisa ikhaya ngaphambi kokuqwalasela isenzo kwindawo, kodwa abanye abathengisi abajongene nesi sigqibo abanalo ubulungisa kuba bangaphantsi kwamanzi.

Inkcazo yeTayitela kwindawo yokuBhengeza

Isenzo kwindawo yokuchithwa kwegama kukudluliswa komxholo osayinwe ngumnikazi wendawo, onikezelwe ngu- notary yoluntu kwaye ekugqibeleni ubhalwa kwiirekhodi zoluntu. Inika isihloko kwizindlu zabanini kwiibhanki ezithatha imali.

Izizathu zeBhanki ziyakunqanda iNdoqo kwindawo yokuBhengeza

Ukungaqondi kakuhle malunga nezenzo ezenzekayo kukuba ipropathi kufuneka ibe kwi- foreclosure . Umboleki angenza okanye angazange afake iSaziso soMgaqo-mpahla okanye aqalise iinkqubo zomgwebo ngaphambi kokuba enze i-foreclose kodwa ahlale evulekile ukuxoxa ngesenzo kwindawo.

Nangona kunjalo, iibhanki zivame ukungafuni ukufumana isenzo endaweni yokuchithwa kwempahla ukuba umnini-propati ukhoyo, kodwa okwangoku akuthethi ukuba ibhanki iya kunqaba. Amabhanki aphantsi koxanduva lokufumana isenzo endaweni yokuchithwa. Nazi izizathu ezimbalwa ezenza ukuba ibhanki inokwenqaba inxaxheba kwindawo:

• Isenzo esinjalo asizuzi.

  Ukuba ibhanki ikholelwa ukuba inokwenza imali engakumbi ngokusebenzisa ukuchithwa kwemali-nokuba ngaba ipropati inobulungisa okanye urhulumente wesigqeba unikeza izibonelelo zemali ebhankini ukuba ibambezele phambili, ibhanki inokuthi ilahle isithembiso somnini-mali sokuhambisa isenzo endaweni yokuchithwa.

• Ii-encumbrances zeJunior, izigwebo okanye izibambiso zerhafu.

  Naliphi na i-lien elandelayo eyenziwa kwipropati iya kuhlala kunye nepropathi kwaye ibe yimbopheleleko yemboleko ukuba ingakhange ikhululwe ngaphambi kwesivumelwano somsebenzi endaweni yokuchithwa. Ngokuqhelekileyo, isakhiwo esinomboleko omnye kuphela ngumviwa ogqwesileyo. Okanye, umboleki wesibini angamkela isenzo endaweni yokuba imali yokuqala ekhoyo kwaye ipropati ibaluleke ngaphezu kwesibalo semali yayo.

• Izikhokelo zokukhonza ziyakwenqabela izenzo kwiindawo.

  Iimali-mboleko ezininzi zihanjiswe yi-PSAs, kwaye izikhokelo kulezo zi-PSA ziyakwenqabela ukwenza umsebenzi endaweni yokuchithwa. Ii-PSA kufuneka zilandele izikhokelo kwaye loo migaqo ayinakuguqulwa.

• Imimiselo engamkelekanga.

  Kwakhona kunokwenzeka ukuba i- PSA inokucela ukuba umntu obolekayo enze igalelo lemali ngokutshintshela ukwamukelwa kwezenzo endaweni, kwaye umboleki angayenqaba okanye ngenxa yemigaqo okanye ukungabi nako kwinqununu.

Ukukhahlela kwi-Deed kwindawo yokuBhengeza

Njalo ufune iingcebiso zomthetho ngaphambi kokuba ugxume kwi-bit ukunika ibhanki isenzo endaweni yokuchithwa. Khumbula, kwintlalo yebhanki ukufumana isenzo kuwe. Kungenokuba kungumnqweno wakho ukuthobela. Ngandlela-thile, kunokuthi ukunikezela ibhanki isenzo endaweni yokuchithwa kwinqanaba elingasentla lihamba kude ne- mortgage yakho.

• Impembelelo kwikhredithi.

  Umsebenzi owenzayo uya kuthintela ingxelo yakho yekhredithi . Ezinye imithombo ithi ichaphazelekayo kwikhredithi iyafana neyokuqhoqhozela ngokugcwele. Imeko nganye yodwa iyahluke. Xa ungathandabuzeki, biza i-credit bureau kwaye ucele. Musa ukukholwa yonke into oyifunayo kwi-intanethi.

• Amandla okuthenga elinye ikhaya.

  Akukho nto enjengokunika isenzo kwindawo kwaye ujike ngokukhawuleza ukuthenga elinye ikhaya. Iimpahla ezinkulu, uFannie Mae kunye noFreddie Mac , abathengisa iimali-mali kwikarhwebo yesibini abayi kuthenga umboleko owenziwe ngumboleki owatyikitya isenzo endaweni engama-4 ngaphandle kweemeko ezilukhunileyo, iminyaka emi-2 kunye neemeko ezicwangcisiweyo. Baqhubeka benza utshintsho kwizikhokelo.

  Thelekisa ukulinda ukuthenga emva kokugqithiswa, okuyiminyaka engama-7 ngaphandle kweemeko ezilukhunileyo, 5 kunye, kwaye nantoni na oyenayo i-benefit year-year. Ukujonga ngenye indlela, ukuthengiswa okufutshane kunokukunceda ukuba uthenge ikhaya engaphantsi kweminyaka emi-2, apho unokulahlekelwa yiminyaka emibini ukuba unyanzelekile ukuba ulinde iminyaka emine emva kokusebenza kwendawo.

• Ukukhululwa kwemfanelo .

  Qinisekisa ukuba into eyenzekayo ngokukhawuleza ikukhupha kwiimbopheleleko zokubuyiselwa kwemboleko. Ukongezelela, akukho nqaku elincinci lokunikezela ngetayitile ukuba unomthengisi wesibini oza kukuphishekela ngokusilela .

Iphulo: Qiniseka ukuba ubuze i-akhawunti yakho ukuba ngaba ityala elikhansekisiwe lingakhokelela ekuhlawuleni irhafu. Okwethutyana, uMthetho weMali woTyala lokuXholelwa kweMatyala ka-2007 unikezela ukhuselo kodwa i-sunsets ngonyaka. Ukungeniswa kwesohlwayo kungabikho enye inkululeko ekhoyo.

Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.