Umfundi uyabuza: "Ndiyathanda ukwenza ukuthengiswa okufutshane kodwa ndiva iindaba ezibuhlungu malunga nexesha elibandakanyekayo. Abanye abantu endibaziyo baye benza ukuthengiswa okufutshane ngaphezu konyaka. Ndixelelwe ukuba kunokuthatha iminyaka emininzi ukufumana ukuthengiswa kwam okufutshane.
Impendulo: Indlela ehamba phambili yokuthengiswa kwee-othengiso ziza kuqikelela ukuba ixesha lokuthengisa elifutshane liqale ngokujonga ulwazi lwakho lwemboleko. Uhlobo lweemali-mboleko onayo kunye nobunikazi bakho bentengo-mboleko uza kubeka isigaba sakho somgca wexesha elifutshane. Ungeke ukhumbule uhlobo lomboleko owenziwe ekuqaleni. Unokubolekisa imali ingaba:
- Umvuzo oqhelekileyo
- Umboleko we-FHA
- Mboleko ye-VA
- Mboleko ka Fannie Mae
- Imali mboleko yakwaFreddie Mac
Ukongeza, mhlawumbi uhlawula ezimbini okanye ezintathu zemali mboleko? Mhlawumbi wakho mboleko uphethe i- inshurensi yokuthenga imali ? Zonke ezi meko zichaphazela ukulinda ukuthengiswa okufutshane kwintengiso kwaye wongeze iirekhodi zokuthengisa okufutshane.
Ixesha eliSiseko loVavanyo lweMpahla elifutshane
Isinyathelo sokuqala sentengiso emfutshane kukuqokelela zonke iimaphepha zakho. Ndiyakuthanda ukuqoqa iphepha lamakhasimende wam kwangaphambili. Oku kunamaphepha alandelayo alandelayo:
- Iminyaka emi-2 edlulileyo yembuyekezo yentela
- Ukugqibela kwe-2 W2s / 1099s
- IiNkcazo zokugqibela zebhanki ezimbini
- Ii-stubhu zokugqibela ezi-2 zokugqibela
- Ingxelo yemali okanye 1126
Amabhanki angacela iimaphepha ezongezelelweyo, kodwa phantse yonke ibhanki icela amaxwebhu angentla apha. Ndiyicinga loo maxwebhu kwifayili yePDP, ngokubhekiselele kwinombolo yemboleko kwiphepha ngalinye.
Emva koko sibhalisa isivumelwano sokubhala, ukuchazwa kunye nokugunyazwa kweqela lesithathu, oku vumela ukuba ndizithethe neebhanki (umthengisi).
Ndidubula iifoto zekhaya, ndiqhube i-arhente yokuhlola ebonakalayo kwaye ndidibanise ibhokisi yokukhiya .
Kwindawo yam yeSramramento, ukususela ngexesha ixesha lohlu lufika kwi-MLS kwixesha le-offer offer accepted from anywhere 2 to 3 days to 2 to 3 weeks. Ukuba ikhaya lifumaneka kwindawo eneempahla eziphezulu, kunokuthatha iintsuku ezingama-60 ukuya kwi-90 ezongezelelweyo ngaphambi kokuba sithole isibonelelo esisamkelekileyo.
Xa isibonelelo sifumanekile kwaye sisayinwe, ndiyithumela ebhankini, kunye nephakheji elifutshane lokuthengiswa kunye ne-HUD elungiselelwe. Ukususela kuloo ndawo ukuya kwixesha elivunyelweyo lokuthengiswa okufutshane , umlinganiselo wesiganeko unentsuku ezingama-60 ukuya kwi-90.
Oku kuthetha iintsuku ezingama-30 ukuthengisa + iintsuku ezingama-60 ukuvunywa + iintsuku ezingama-30 ukuvala isantya = iinyanga ezine, ngokuqhelekileyo.
Iimbangela zokuThutyana okufutshane kwixesha elifanelekileyo
Enye yeengxaki ezinkulu esizibonayo kwiimveliso ezimfutshane namhlanje zizithengi ezingenziwanga kwinkqubo yokuthengisa emfutshane . Ngenxa yokuba amanqaku amaninzi ayengaziwa, angenza umthengi azive engakhuselekanga kakhulu. I- ejenti yokurhweba emfutshane yintengiso inokunika ukuqiqa okufundisiweyo, kodwa ukuba i-ejenti yomthengi iyayiqonda indlela ukuthengisa okufutshane kwikhodi yasendle. Ukuba i-arhente yomthengi ayikwazi ukulawula ukulindela komthengi kwaye engazi indlela yokuchaza ixesha elifutshane lokuthengisa kumthengi, loo mthengi angakwazi ukukhupha ngokulula.
Akusiyo iphoso lomthengi.
Umthengi ongaphandle kolawulo kunye nomthengi okhungathekileyo ungumthengi oza kukhishwa ukuthengiswa okufutshane . Ezi ntlobo zabathengi azifuni ukulinda imvume yokuthengisa emfutshane . Baya kukhansela baze bafake enye into emfutshane yokuthengiswa, eqala ikhefu kwakhona. Kukwenza uzibuze ukuba kutheni.
Enye ingxaki ukulinda ixesha elifutshane lothengiso linika abathengi ithuba elide lokucinga ngokuthenga ukuthengiswa okufutshane . Ukuba babethengisa ukuthengiswa kwendabuko, ngexesha begqiba ekubeni bengayithandi ikhaya, bazithiyile abamelwane kwaye banqwenela ukuba bangazange babeke amehlo kuloo ndawo, ukuthengiswa kuya kuvalwa. Kodwa ukuthengisa okufutshane kukuthatha ixesha elide kangangokuthi abathengi baninzi ixesha lokuqwalasela zonke iimpazamo kunye neengxaki. Maxa wambi, bahlakulela iinyawo ezibandayo .
Ndathengisa umthengisi ukuba athengise ukuthengiswa okufutshane esafungile okokuqala kwakuyikhaya lakhe iphupha.
Wayenobumba bokuvunyelwa kwaye umboleki-mali wayekufuphi ukudweba amaxwebhu. Kodwa i-appraisal yayingama-20,000 engaphantsi kwexabiso lokuthengisa kuba kukho ukuthengisa okumbalwa kuloo ndawo. Umhloli wenkampani wayefanele abheke ngaphandle kwendawo yokuthengisa efaniswayo . Wayethengisa ukuthengisa okwakungekho ngokwenene ukuthengisa . Umthengi wayesaba ukuba ixabiso lekhaya lawa ngexesha lokutsala kweentsuku ezingama-30 ngamawaka angama-20,000, kwaye wakhupha.
Esikhundleni sokuvuyela ukuba ibhanki yaphoqelelwa ukunciphisa ixabiso lekhaya layo ngama-20,000 e-$, umthengi wanciphisa ukuthengiswa okufutshane. Wayengakulungele ukuthenga ikhaya. Akunabo bonke abathengi abakulungele ukuthenga ikhaya .
Xa ezi ntlobo zenzeke kwaye umthengi angashenxisa, ixesha elifutshane lokuthengisa ixesha liqala. Yingakho into ebaluleke kakhulu ongayenza ngokuthengisa okufutshane kukugcina umthengi ekwazisiweyo, ebenomdla kwaye evuya.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.