Isikhokelo sakho sokuKhuphela ekhaya, u-Elizabeth Weintraub, uthi: "Kule minyaka, ndivuyiswe ukusebenzisana nabathengisi abaninzi kunye nabathengi kwimisebenzi emfutshane yokuthengiswa. Nangona akukho 2 ukuthengisa okufutshane kufana, ukuthengiswa komntu ngamnye kubelana ngezici ezifanayo. abathengisi, ngokukodwa, banemibuzo abazange bazi ukuba bafuna ukuyibuza kude kube sekupheleni kweentengiso ezifutshane . "
Impendulo: Ngayinye ye-Q & A ilandelayo iqokelelwe kwiinkampani zehlabathi zangempela ukuthengisa okufutshane. Into yokuqala umthengisi ocinga ngokuthengiswa okufutshane kufuneka enze ngudliwano-ndlebe nabameli abambalwa bezindlu ezizodwa ezizodwa ngokuthengisa okufutshane. Yilungu lakho lokuthengisa elincinci elingenza inkqubo ihambe kakuhle okanye ihambe. Cela iziqinisekiso kunye namanani okuvelisa kwaye, nantoni na enokwenzayo, ungathembi ukuthengiselana okunzima okunjalo kumsebenzi we-novice.
# 1) Yintoni endiyithengisayo emfutshane?
Ukuthengiswa okufutshane kwenzeka xa ibhanki ikuvumela ukuba uthengise ikhaya lakho ngaphantsi kwexabiso onetyala. Ukuthengiswa okufutshane kuyilungelo elibonelelwe yibhanki. Akulungile. Ayikho yonke ibhanki izakuvumela ukuba wenze ukuthengiswa okufutshane.
# 2) Ngaba kufuneka sikhethe ukuthengiswa okufutshane malunga nokuqwengulwa?
Kwezinye iimeko, kunokuthi kube lula ukuvumela ikhaya ukuba liye kwi-foreclosure kunokunyamezela umzabalazo kunye noxinzelelo lwentengiso emfutshane. Ingaba kufuneka uqikelele ukuchithwa kwemali kunokuxhomekeke kwimiphumo yemali kunye nemithetho yembandezelo.
Kufuneka uhlale, ngokungafaniyo, ufumane iingcebiso zomthetho kunye neerhafu kuba abameli bezindlu, ngaphandle kokuba banikezwe ilayisenisi yokwenza umyalelo, abanako ukubonelela.
# 3) Umthengisi unokufumana njani iintengiso ezininzi ngokuthengiswa okufutshane?
Enye indlela eqinisekisiwe yokufumana izibonelelo ezininzi kukuhlawula intengiso yakho emfutshane ngaphantsi kwexabiso lentengiso. Kukho ezinye iindlela zokufumana ukuthengwa kwamathengi ngaphaya komnye kwikhaya lakho.
Qaphela ukuba intengo yakho yokuthengisa emfutshane iphantsi kakhulu ngenxa yokuba) i-bhanki ayinakwenzeka ukuthatha ibhidi ephantsi kwaye b) abanye abathengi banokudideka baze benze i- lowball inikezelo .
# 4) Ngaba kufuneka siyeke ukwenza iiNtlawulo zethu zokuThengwa kweMali ukuThengisa okufutshane?
Ingqungquthela ukuba kufuneka ube phantsi, emva kweentlawulo zakho, ukwenza ukuthengiswa okufutshane. Nangona kunjalo, kukho iimeko ezithile apho iintlawulo zakho kufuneka zilahlekise. Uninzi lwalo luquka iimboleko zikaRhulumente kuba ewe, kwezinye iimeko, urhulumente ufuna ukuba uyeke ukwenza imali yakho yokuboleka imali. Uloyiko, huh?
# 5) Ngaba i-Bhanki iza emva kwethu ngenxa yokungafani?
Esinye isizathu sokufumana iingcebiso zomthetho. Esinye sezizathu eziphambili zokwenza ukuthengiswa okufutshane kukufumana ukukhululwa komntu, kodwa akusiyo yonke into eyenziwa ngumthengisi. Ezinye iimali-mboleko ziphethe isiqinisekiso somntu kwezinye iindawo. Ezinye iimali-mboleko ezinzima kumazwe athile avumela ukungaphumeleli. Ukungabikho kwesandi esimalunga nokusilela kwincwadi yokuvuma akuthethi ukuba umthengisi ukhululiwe.
# 6) Ngaba iNdawo yokuThengisa okufutshane ifumaneke kwisiThumo samTyala?
Ngokutsho kwe- FICO , ukugqithiswa okukhulu kwekhredithi yakho kubonakala kukukho xa kukho ukusilela. Ngokusilela, ukuchaphazeleka ngekhredithi ngokuthengisa okufutshane kufana nokufana nokuchithwa.
Ngaphandle, kungaphantsi. Ababoleki bazisa ngokuthengisa okufutshane kwirekhodi yakho yemali njengoko "ihlawulwa ngokugcwele ngaphantsi kokuvisisana," kodwa kukho ezinye iinketho zokunika ingxelo.
# 7) Sinokusenza njani ukuthengiswa okufutshane kunye neenkokhelo ezimbini?
Ukwenza ukuthengiswa okufutshane kunye nemali-mboleko emibini ngendlela efanayo nokuthengiswa okufutshane kunye ne-3 mboleko kunye / okanye iqela leetyala. Ngxoxo. Ngokuqhelekileyo, umboleki-mboleko kwisithuba sokuqala uya kubela ipesenti encinci yemali yabaxhasi abancinci. Nangona kunjalo, ababolekayo banokucelwa ukuba benze igalelo lomthengisi .
# 8) Ngaba sifuna ummeli ngokuthengiswa okufutshane?
Ukuba unempahla yokukhusela, imali engenayo kwaye ujongene nemboleko yemboleko mboleko, ezo zizathu ezi-3 ezifanelekileyo zokuqesha ummeli ukwenza ukuthengiswa okufutshane. Ngelishwa, ukuba ucela igqwetha, igqwetha liya kuthi, ewe, kuqeshwe igqwetha. Ufuna iingcebiso zomthetho.
Ingaba ufuna ukuba ugqwetha lithethathethwano ngenxa yakho kuxhomekeke kwinkimbinkimbi kunye neenkcukacha zeemeko zakho. Buza i-arhente yakho okanye iCPA kunye nabanye abacebisi abathembekileyo.
# 9) Ngaba Sidinga Ubunzima bezeMali Ukwenza Intengiso emfutshane?
Ekuqaleni kwe-mania emfutshane-ntengiso yokugqibela-eyayiqala ekupheleni kuka-2005-ubunzima bezemali yimiqathango efanelekileyo yokufumana ukuthengiswa okufutshane . Ngenxa yenani elimangalisayo lamakhaya angaphantsi kwamanzi kunye nesidingo sokulahla iimali mboleko ngaphandle kokukhuseleko, abanye abatyalo-mali bebhanki baya kunika ukuthengisa okufutshane.
# 10) Kutheni iBhanki iyakunqabela ukuthengiswa kwethu okufutshane?
Amabhanki abukela izinto ezibalulekileyo zokuvumela ukuthengiswa okufutshane kodwa mhlawumbi umgqugquzeli omkhulu kukuba ibhanki iya kwenza imali ngokunikezela ngokuthengisa okufutshane ngokulandela ukuchithwa. Ngamanye amaxesha, i-bhanki ayiyi kukuxelela ukuba ibhekisele kwinzuzo enkulu kakhulu ngokungqambela. Kuza kuchaza nje intlawulo efuna ukuba akukho mthengi uza kuhlawula. Hlela uhlobo lwenkukhu ngaphandle.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.