Umfundi uyabuza: "Ekugqibeleni sifike indlu epheleleyo kummandla esiyithandayo, kodwa i-arhente yoluhlu ithi indlu isele idayiswe. Xa sathetha kummeli wethu wokuthenga, uthe umthengisi wamkela isipho kodwa ibhanki ayiyikuyivuma okwangoku uthanda ukwenza umrhumo ophezulu. Ngaba umdayisi angamkela isipho sethu xa umdayisi sele esamkele isipho?
Impendulo: Kuvakala ngathi ukuthengiswa okufutshane ofuna ukuthenga kukwabizwa ngokubhekiselele kwisimo esifutshane esifanelekileyo. Imigqaliselo yokuthengiswa okufutshane apho umthengisi wamkele ukunikezelwa kodwa ibhanki ayisayi kuvunyelwa ukuhlukahluka kwelizwe lonke, kodwa ngokukodwa, ngaphandle kokuba isivumelwano semvumelwano sichaza ngenye indlela, umthengisi angavuma ukuba athengise kwisethi esisodwa sabathengi.
Oku akuthethi ukuba umthengisi akakwazi ukwamukela izibonelelo ezininzi, kodwa ezo zinikezelo mhlawumbi aziyi kuba kwindawo yokuqala. Isipho esilandelayo esamkelwe ngumthengisi saziwa ngokuba ngumnikelo wokubuyisela. Umthengisi angasayina amaninzi amanqaku okubuyisela kwaye awamise kunoma yimuphi umyalelo ovunyelwe kumaqela achaphazelekayo.
Ukufumana uMthengisi ukuba amkele ngaphezu kweSipho esisodwa sokuThengiswa esifutshane
Awunanto yokulahlekelwa ngokuthumela isipho kwi-short short sale list. Kungenxa yokuba abanye abathengi babhala izibonelelo ezininzi kwamanye amakhaya, nangona loo nto ikhutshwe ngamagqwetha kwaye inokubangela ukuba i-ramifications esemthethweni.
Xa esinye isibonelelo samukelwa ngenxa yezi ntlobo zabathengi, abathengi banokukhupha izibonelelo zabo ezigqithisiweyo.
Ukuba umthengi wokuqala uyahamba , i-arhente iya kukwazisa ngokubanzi i-ejenti yomthengi wayo umthengi isikhundla sakhe senkxaso-mboleko. Kodwa akuthethi ukuba umthengi kule ndawo uya kuba yintoni na ekufuphi ukuvunyelwa kweentengiso ezimfutshane .
Iibhanki ezininzi zenza abathengisi baqalise xa umthengi omtsha engena kwinkqubo.
Umthengisi akavumelekanga ukuba amkele isibonelelo sokubuyisela ukuthengiswa okufutshane. Ukuba umthengisi akafuni ukuwamkela umnikelo wokubuyisela, awukwazi ukunyanzela umthengisi ukuba asayine lakho.
Ngaba uMthengisi angathumela iSibini iBhanki yokuThengisa okufutshane?
Ezinye ii-agents zorhwebo ezifutshane zicebisa abo bathengisi ukuba bathumele umrhumo omfutshane wokuthengisa ngexesha eliya kwibhankini. Kodwa kwenzekani ukuba umthengisi ufumana isibonelelo esiphezulu, njengento esinikezelayo ukuba uyithumele?
Ukuze uphendule le nto, kufuneka ufunde isivumelwano sokuthenga , ngokukodwa isongezelelo sokuthengisa esifutshane. E-California, umzekelo, ii-add-ons zethu ze-CAR ezithengiswayo ezifutshane zivumela ukuba umthengisi ngokuzenzakalelayo aqhubeke nokuthengisa ipropati kwaye athumele ukunikezelwa okukhuphisanayo kwi-bhanki. Nangona umthengisi mhlawumbi akanako ukunyanzelisa umthengi wokuqala ukukhansela isivumelwano, kukho iindlela zokubeka uxinzelelo kumthengi ukukhansela.
Emva kokuba i-arhente yoluhlu ichaza kwi-arhente yokuqala yomthengi ukuba isipho esiphezulu siya kuthunyelwa kwi-bhanki, ngokuqhelekileyo i-arhente yokurhweba iya kucela i-arhente yomthengi ukuba umthengi ufuna ukuhlala kwisigxina kwezinye iintsuku ezingama-30 ukuya kwi-90 ngelixa ibhanki icinga ukwamukelwa siphakamiso esiphezulu. Kuloo meko, abathengi abaninzi abaye bangenisa kuqala isipho esiphantsi baya kuqubuda xa beqonda ukuba isipho sabo sinokuthi sidluliselwe.
Qaphela xa usithumela isipho esithengiweyo sokuthenga ngentengiso ngaphezu kwexabiso lemarike. Ukuba isipho sakho siphezulu kakhulu, nokuba ibhanki iyamkela ukuthengiswa okufutshane, iziganeko zeebhanki yakho yebhanki ziya kungena nge-appraisal ephantsi. Kweso siganeko, i-arhente yoluhlu luya kufuna ukuphinda ixoxisane nebhanki elifutshane, kwaye ibhanki elifutshane elithengiswayo lingenakukulungele ukunciphisa ixabiso. Kusemngciphekweni wokunikela kakhulu, kwaye unokulinda iiveki okanye iinyanga nje ukuba ufumene umboleko wakho wenqatshelwe ngenxa yokuhlolwa okuphantsi .
Kutheni Umthengisi angathanda ukufumana iSibini semali esithengiswayo esifutshane njengeNkqubela
Umthengisi weentengiso ezimfutshane ufuna esinye isiphumo esisisiseko. Umthengisi ufuna ibhanki yamkele ukuthengiswa okufutshane. Amabhanki athabatha ukunikezelwa kweentengiso ezimfutshane ezithengwa kwixabiso lemarike. Izizathu zokwamkela ityala lesibini elincinci linikezela ngokukhawuleza kwaye uhambise loo mnikelo wokuqwalasela:
- Mhlawumbi umthengi wesibini uyakwazi ukuthenga ngaphezu komthengi wokuqala.
- Umthengi wokuqala angeke abe ngu-100% ozinikele ekuthengeni ukuthengiswa okufutshane.
- Intengo yokuthengisa yomthengi yokuqala ingase iphantsi.
- Umthengisi unakho ukukhululeka ekwenzeni umthengisi ngenxaxheba ngexabiso eliphezulu lokuthengisa.
- Umthengisi anganciphisa ukusilela , ukuba kukho, ukuba ixabiso elinikeziweyo liphezulu.
- Umrhumo werhafu umthengisi, ukuba kukho na, unokuncitshiswa ngesibonelelo esiphezulu.