Ukuba usemarikeni wokuthenga indlu, ukujonga kulindelo kunye nentengiso emfutshane kunokubonakala njengeyona ndlela ifikelelekayo kubuninikhaya. Iipropathi zinokubiza ixabiso eliphantsi xa kuthelekiswa nemakethi yezindlu zemveli, kwaye ukuba ungumthengi onamava, umbono wokulungisa-phezulu unokuvakala unomtsalane. Kodwa ngaphambi kokuba utyalomali ngakumbi (okanye naliphi na) ixesha lokujonga kwezi ntlobo zeepropathi, kuya kufuneka wazi umahluko ngqo phakathi kokubhengezwa kunye nentengiso emfutshane kunye nento ekufuneka uyilumkele njengomthengi onokubakho.
Masiqale ngokubhengezwa kwangaphambili
Ukuxelwa kwangaphambili kwenzeka emva kokuba umnini khaya engakwazanga ukwenza iintlawulo zemboleko mboleko zobambiso kangangeenyanga ezintathu ukuya kwezintandathu, kwaye engakwazi ukubhatala iintlawulo eziphosiweyo emva kokuba umbolekisi (njengebhanki) ethumele iSaziso sokuNgagqibeki. Umnini uhlala eneentsuku ezingama-30 ukuya kwezingama-120 emveni kokufumana isaziso sokuba ahlawule imali eseleyo kwimpahla yakhe okanye avume ukuthengisa ngokufutshane ipropathi yabo- ukuba azenzeki ezo zinto, ikhaya liyabanjwa kwaye umniniyo uyagxothwa.
qhubeka ubona inani le-11
Umbolekisi ke ubeka ikhaya lakhe kwifandesi, apho umthengi anokuyithenga khona. Umenzeli wearhente yokuthengisa izindlu nomhlaba ubandakanyekile ukuququzelela unxibelelwano phakathi komthengi kunye nombolekisi, kodwa inkqubo isesikweni ngakumbi, kwaye intengiselwano ithambekele ekubeni ibe bhetyebhetye kwaye ihlala ilibaziseka kunoko. NgokweRealtor.com , ukuba umbolekisi akakwazi ukuthengisa indlu, ipropathi iba yeyabanini, okanye yeyabanini bezindlu nomhlaba (REO).
Unokukufumana phi ukudweliswa kwangaphambili?
Unokwazi ukujonga kwangaphambili ngenkonzo yoluhlu oluninzi, ngokufana nendlela uluhlu lwendabuko oluya kuthunyelwa ngayo. Iipropathi ziya kuphawulwa ngokuthe ngqo njengokuchaziweyo.
Kolu luhlu lweLos Angeles , Uyakuqaphela ukuba indlu iyathengiswa njengoko injalo, kwaye iifoto zibonisa iimeko zayo. Igumbi lokulala ezine, ikhaya lokuhlambela ezintathu lidweliswe kwi-655, 900 yeedola kwaye ichazwa njengethuba lotyalo-mali. Indawo yokuhlala ekuyo iqwalaselwa kwaye iza eLos Angeles, kwaye amaxabiso aphakathi okuthengisa kumakhaya adweliswe kule ndawo ikwi- $ 746,000, ngokweZillow . Kumninimzi onamava ongoyikiyo ukulungiswa okunzima, ngokuqinisekileyo oku kunokuba lithuba lotyalo-mali-ngakumbi ukuba amakhaya akule ndawo ye-LA ahlala enyuka ngexabiso, ekunokwenzeka ukuba baya kuthi. (Iingxelo zeZillow zokuba amaxabiso asekhaya eJefferson Park anyuke ngeepesenti ezingama-8.8 kunyaka ophelileyo).
Ayisiyiyo yonke into exelwe kwangaphambili efuna ukuphakanyiswa kobuso obunzima, kwaye ayisiyiyo yonke into exeliweyo eya kuthi ithathelwe ingqalelo njengethuba lotyalo-mali. Igumbi lokulala elinamagumbi amahlanu okulala, izindlu zangasese zangasese zintandathu uya kwi- $ 1,799,000 kwaye (ubuncinci ngokwemifanekiso ethunyelwe kwiZillow) ikwimo entle. Kolu luhlu, ithi indlu yahlaziywa ngo-2016.
Kodwa ngenxa yokuba indlu ijongeka intle kwi-intanethi ayithethi ukuba ayinangxaki, kwaye ukungabikho elubala yeyona nto ibangela iintlungu kubathengi abafuna ukuthenga ikhaya elixeliweyo.
Yintoni ekufuneka uyazi ngokubhengezwa kwangaphambili
Ngaphandle kwenkqubo ekhutshiweyo ngakumbi kunaleyo yokuthenga amakhaya emveli, ukuthenga ukutyhilwa kuhlala kungacetyiswanga kubanini bamakhaya abasakhasayo.
Okokuqala, umthengi kufuneka athenge umbono ongabonakaliyo ekhaya. Ewe ufunda ilungelo. Awunako kuphela ukutyelela indlu, kodwa awukwazi ukucela ukuhlolwa kobugcisa. NgokukaZillow , kuye kwakho amatyala abathengisi abangenelisekanga abakhuthuza amakhaya abo, ze bashiye ipropathi iphazamiseke ngokupheleleyo, okanye yonakele ngabom. U-Beatrice de Jong, umlawuli wentengiso yokuhlala e Uluhlu oluVulekileyo eLos Angeles , California, uthi uwabonile amakhaya apho imibhobho yobhedu iye yahluthwa ngaphandle kwendlu ukuze ithengiswe, kunye namakhaya ebenekhonkrithi egalelwe imibhobho. Akunakubakho kuphela imicimbi ephambili yolwakhiwo ngaphakathi nangaphandle kwekhaya, kodwa kwezinye iimeko, abaqeshi banokungavumi ukushiya ipropathi-kwaye umthengi unoxanduva lokubakhupha.
Ngaphaya koko, ngelixa kungasoloko kukho imfuneko yemali ezinkozo yokuthinjwa kwangaphambili, u-de Jong uyaqinisekisa ukuba iibhanki ezininzi zikhetha ukuthengisa amakhaya kwiifandesi, ezifuna abathengi bonke bemali. Ukuba awunayo imali, amaxesha ngamaxesha ifandesi ijika ibe yimfazwe yokubhida, apho ubuya kuba uchasene nabanokuba ngabathengi abanemali (kwaye imali iyinkosi).
Yintoni intengiso emfutshane (kwaye yahluke njani kwimbonakalo?)
Phambi kokuba indlu yomntu igqityiwe, banokuzama ukuyithengisa ngokufutshane. Oku kwenzeka xa umnini engenakho ukuhlawula imali mboleko yokubolekwa kwemali mboleko, okanye ngobuchule abafuni ngenxa yokuhla kwexabiso lendlu (ngamanye amaxesha eyenzeka kwimarike eguqukayo). Ngoku ka Realtor.com , umthengisi uya kubabolekisi bemali-mboleko yakhe, oya kuthi amkele ixabiso lokuthengisa elixabiso lingaphantsi kunelo alityalayo. Umzekelo, umthengisi angadwelisa ikhaya lakhe kangange- $ 400,000, ngentsalela eseleyo yemali mboleko yokubolekwa kwemali mboleko ye- $ 430,000. Umthengisi unokuba yi- $ 30,000 emfutshane xa ehlawula i-bank yakhe. Emva kokuba intengiselwano igqityiwe, umthengisi ngekhe abe noxanduva kwi-30,000 yeedola.
Ngokwe-Bankrate Umnini kuya kufuneka agcwalise isicelo sentengiso emfutshane, kwaye abhale ileta yobunzima enika iinkcukacha ngemeko yabo yezemali (ebandakanya ukubhatala, ukubuyisa irhafu, kunye nezitetimenti zebhanki) kwaye axelele umbolekisi ukuba angabinakho Ukubuyisa nangona kunjalo ikhaya labo lifutshane xa sele lithengisile. Inkqubo ngokubanzi ithatha iinyanga.
Ngamanye amaxesha, umbolekisi wemali mboleko mboleko usenokufuna ukuba imali ilahlekile kwintengiso ebuyisiweyo, ebizwa ngokuba sisigqibo sokusilela. Amanye amazwe anayo ukukhupha oku , kodwa ngokuqinisekileyo yinto umthengisi ekufuneka eyiqaphele.
ukubona inani elingu-555
Ufumana phi ukuthengisa okufutshane?
Kuya kufuneka ukwazi ukufumana uluhlu olufutshane lokuthengisa ngenkonzo yokufakwa kuluhlu okuninzi. Uninzi lweentengiso ezimfutshane zidweliswe ngabathengisi bezindlu, kodwa uluhlu alunakubhalwa njengothengiso olufutshane. Umzekelo, ungaya kwi Uluhlu oluVulekileyo kunye nokuthengisa okufutshane kuya kubonakala phantsi kwefilter yokulungisa.
Yintoni ekufuneka uyazi ngokuthengisa okufutshane
Ixesha elithathwayo kukuthengiselana ukuya kuthengiso olufutshane kuhlala kuthatha ixesha elide (ngesiqhelo phakathi kweentsuku ezingama-90 ukuya kwezili-120, ngokweRealtor.com) kunoluhlu lwendabuko. Kuba umthengi ujongana ngqo nombolekisi-hayi umthengisi, ngubani olungileyo ezandleni-ixabiso lokunikezela kufuneka livunywe ngumbolekisi, kwaye oku kuthatha ixesha.
Intsingiselo ye-2 22
Ixabiso lentengiso emfutshane liyakhohlisa. Ngokwimali engaphantsi kweminyaka engama-30 , kubalulekile ukuba umthengi aqinisekise ukuba ukuthengisa okufutshane kuvunyiwe okanye akunjalo. Ukuba yamkelwe, umbolekisi sele evumile ngexabiso umniniyo afuna ukuthengisa ngalo ikhaya. Ukuba ayisiyiyo, intengiso emfutshane yomthengisi iyakwaliwa.
NgokweBhalansi , Ixabiso lodweliso oluphantsi inokuba sisicwangciso esisetyenziswa yiarhente yoluhlu kunye nomthengisi ekurhwebeni izibonelelo ezininzi kwintengiso emfutshane. Elo xabiso lithanda ukuba lihle kakhulu, kuba ukuba umboleki akavumeli ixabiso, ixabiso liya kunyuka. Ekugqibeleni: ukuthengisa okufutshane akuthethi ukuba uya kuba nakho ukuthenga ikhaya elingaphantsi kwexabiso lentengo lentengiso. Ibhalansi ithi ixabiso lentengiso elifutshane linokuphakama; ingaphantsi; inokuba ilungile emalini.
Ukongeza, ababolekisi abayi kuqhubeka nentengiso de umthengi azibophelele kwizicelo ezithile, njengokuhlawulela ukulungiswa kunye nokuvala iindleko-nantoni na umthengisi ebeya kuba noxanduva lwayo, umthengi kufuneka avume ukuyithatha.
Kuya kufuneka uyamkele ipropathi njengoko injalo, nangona ngokweRealtor.com, umthengi angacela ukuhlolwa. Ukuba umthengi ufumene ukonakala kwipropathi yalo naluphi na uhlobo, umbolekisi ngekhe abe noxanduva lokuyilungisa. Ukuba ikhaya likwimeko engagcinwanga, kungabiza umthengi imali eninzi yokulungisa wonke umonakalo.
Ekugqibeleni, ukuba ubhengezo okanye uluhlu olufutshane lokuthengisa lunomdla kuwe, qiniseka ukuba uyalwenza lonke uphando kwaye uyabuqonda bonke ubungozi. Kungenxa yokuba ngelixa inokuba likhaya lamaphupha akho, isenokuba yeyakho amaphupha amabi . Qinisekisa ukuba yeyokuqala.
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