Indlela yokuphilisa iSaziso soMgaqo-mpahla nokuPhinda kwakhona amaLungelo ePropati
Inkcazo: Iifayile zabathengi kwiirekhodi zikawonke-wonke apho ipropati ikhona isaziso sikawonkewonke esibizwa ngeSaziso soPhezulu. Emva kokuba iSaziso soMfihlelo sifakwe, yiliphi ilungelo elithile elinawo umninikhaya? Isaziso soMgaqo-siseko sisinyathelo sokuqala sokuqala. Kwamanye amazwe, iSaziso seMeko esiPhezulu sinamathele kwikhaya, ngokubanzi kwiwindow yangaphambili, njengobumba obomvu. Ithi umbolekeki akahlekanga, emva kokuhlawula iintlawulo zemboleko , kwaye ukuba iintlawulo azihlawulwa, umboleki uya kubamba ikhaya.
Izinyathelo ezongezelelweyo zeSaziso soMgaqo-siseko eCalifornia
E-California, ababolekisi ngokuqhelekileyo abafaki iSaziso soMdaka kuze kube yilapho umbolekayo ubuncinane iintsuku ezingama-90 ekwenzeni iintlawulo zemboleko. Xa umntu obolekayo elahlekile iintlawulo ze-2 kwaye emva kweentsuku ezingama-60, ngelo xesha amaninzi amabhanki angathumela isaziso seentsuku ezingama-30, efunwa ngumthetho ukuba ayenze ngaphambi kokufakela iSaziso soPhezulu. Kwakusetyenziswe ukuba umboleki angafaka iSaziso seSigqibo xa sifuna, kodwa imithetho ilungiswe ukuba ulawulo ngokuchaza ababolekisi banelungelo lokufumana isaziso seentsuku ezingama-30 ngaphambi kokurekhodwa kweSaziso soPhezulu.
E-California, ababoleki kufuneka balinde iintsuku ezingama-90. Ngethuba leentsuku ezingama-90, umboleki unelungelo lokwenza iintlawulo zembuyiselo kunye nokubuyiselwa kwemboleko. Ukuba umntu obolekayo unokulingana , ngamanye amaxesha into ehlakaniphile yokwenza ibeka ikhaya kwikarhwebo kwaye uzama ukufumana umthengi. Ukuba umthengi ukhona kwaye umthengi ungumtyalo-mali, umthengi kufuneka ahambisane noMthetho we- Equity Sales Act ukuze ahlangabezane nemigangatho yenkathalo endaweni ekhusela umninikhaya ohlala kwikhaya.
Ngaphandle koko, umninimzi ugcina amalungelo okutshatyalaliswa kokutshintshwa kwesihloko ngexesha elithile.
Emva kweentsuku eziyi-90 zidlulile, umboleki-mali uyadingeka ukuba ashicilele isaziso kwiintsuku ezingama-20, ngexesha apho kuphela umninimzi onokumisa ukuchithwa kukuhlawula ngokupheleleyo imali. Emva kweentsuku ezingama-20, umboleki-mali angayithengisa loo propati kumthengi owamkelekileyo kakhulu kumanyathelo enkundla.
Ukuba akukho bhidi olwamkelekileyo lamukelwe, umphathiswa uya kuhambisa loo propati kumboleki. Ngamanye amaxesha abathengisi benza ibhanti yokuvula ephakamileyo kangangokuthi akukho mntu uza kubhenela ekhaya, kwaye oku kuvumela ukuba umboleki-mboleko, ngokubhekiselele kwi-industry insiders, ukuba agcine ikhaya elichanekileyo kwi-inventory yayo kwiincwadi ezixabisekileyo kwiinjongo zokubala, ezikhusela ixabiso lebhanki yebhanki.
Isaziso Sokungafihlisiyo Sithintela Ukuthengiswa Okufutshane?
Ibhilidi yaseMelika yasekhaya yaseKhilippines ivumelekile ukulandelela kabili ukuthengiswa okufutshane , ukulandela ukuchithwa kwempahla, kude kube nguJanuwari 2018. Ngaphambi kwaloo mhla, ukufaka isicelo sokuthengiswa okufutshane akuzange kuvimbele isenzo sokuqhawula. Ukukhuphela kuphela kwe- letter yokuvunyelwa kwentengiso emfutshane ukuyeka ukulandelela kabini ngaphambi koJanuwari 2018. Oku kuthetha abaphathi bezindlu ababethemba ukwenza intengiso emfutshane kufuneka baqalise inkqubo ngokukhawuleza, phambi kweSaziso soPhezulu, ukuyeka umncintiswano malunga newashi.
Ngelixa umboleki-mboleko ehlala egcina ithuba lokunqanda isenzo sokuqhawula , kwakungekho mfuneko ukuba enze njalo. Enyanisweni, abanye abatyala-mali, njengamashishini anikwe inkxaso karhulumente afana noFannie Mae kunye noFreddie Mac, ngokuqhubekayo baqhubeka kunye nokuchithwa ukuba bekuyindlela ekhawulezayo kwaye mhlawumbi ukuvelisa imali ngaphezu kokuthengisa okufutshane.
I- PSA yezinye iimali-mboleko eziqhelekileyo ziqulethe izibonelelo zemali ezikhuthaza ukugqithiswa ngokuthengisa okufutshane.
Masingalibali i-inshurensi ye-mortgage yecredit, efanelekileyo ngokusemthethweni. Le yilapho umnini-mboleko ethatha i-inshurensi yakhe yokubolekwa ngemali ngaphandle kokuxelela umntu obolekayo. Unokumangaliswa ukwazi ukuba iinkampani zikhona ngenjongo yodwa yokuqinisekisa iitaliti ezingenasiphelo, kwaye ezinye zeebhanki zithi zizingxenye zezo nkampani zomshuwalense. Xa umntu obolekayo esetyenziselwa ukuthengiswa okufutshane, inkampani yomshuwalense yokubambisa i-inshurensi inokufuna ukuba kubekho umvuzo ophezulu apho ukuthengiswa kogu kungenakwenzeka. Kwezinye izijikelezo, kunokuthiwa ngama-sabotage.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.
Eyaziwayo ngokuba: Ixesha lokubuyisela kwakhona, isaziso sesandiso esidlangalaleni, isaziso sokuvalwa
Iimpazamo eziqhelekileyo: isaziso se defult