Home Mortgage Disclosure Act
Nthawi zambiri, mutha kufunsira ngongole yoyamba kuti mugule nyumba kapena nyumba, kukonzanso, kukulitsa ndi kukonza nyumba yanu yamakono. Mabanki ambiri ali ndi ndondomeko yosiyana kwa iwo omwe akufuna kugula nyumba yachiwiri. Kumbukirani kufunsa banki yanu yamalonda kuti ikufotokozereni bwino zomwe zili pamwambapa.
Banki yanu idzayesa kubweza kwanu posankha kuyenerera ngongole yanyumba. Kubweza kumatengera ndalama zomwe mumapeza pamwezi/zowonjezera, (zomwe zimatengera kuchuluka kwa ndalama zomwe mumapeza pamwezi kuchotsera zomwe mumawononga pamwezi) ndi zinthu zina monga ndalama za mnzanu, katundu, ngongole, kukhazikika kwa ndalama, ndi zina. Cholinga chachikulu cha banki ndikuwonetsetsa kuti mukubweza ngongoleyo bwino panthawi yake ndikuwonetsetsa kuti ikugwiritsidwa ntchito komaliza. Ndalama zomwe zimapezeka pamwezi zimakwera, ndiye kuti ndalama zomwe ngongoleyo ikuyenera kulandira zimakwera. Nthawi zambiri, banki imaganiza kuti pafupifupi 55-60% ya ndalama zomwe mumapeza pamwezi / zowonjezera zimapezeka pakubweza ngongole. Komabe, mabanki ena amawerengera ndalama zomwe amapeza pamalipiro a EMI potengera ndalama zonse zomwe munthu amapeza osati ndalama zomwe amapeza.
Tanthauzo la mtengo wopezera ndalama zosweka
Ngati muli ndi zaka 62 kapena kuposerapo - ndipo mukufuna ndalama kuti mulipire ngongole yanu, kuwonjezera ndalama zomwe mumapeza, kapena kulipira chithandizo chamankhwala - mungafune kulingalira zangongole yobwereketsa. Zimakuthandizani kuti musinthe zina zanyumba yanu kukhala ndalama popanda kugulitsa nyumba yanu kapena kulipira ngongole zina pamwezi. Koma tenga nthawi yanu: kubwereketsa kubweza ngongole kungakhale kovuta ndipo sikungakhale koyenera kwa inu. Ngongole yobwereketsa ikhoza kuwononga ndalamazo m'nyumba mwanu, zomwe zikutanthauza kuti muli ndi katundu wocheperako kwa inu ndi olandira cholowa chanu. Ngati mwaganiza zogula mozungulira, yang'anani mitundu yosiyanasiyana ya ngongole zanyumba ndikugula mozungulira musanakhazikitse kampani inayake.
Mukakhala ndi ngongole yobwereketsa, mumalipira wobwereketsa mwezi uliwonse kuti mugule nyumba yanu pakapita nthawi. Pobweza ngongole, mumatenga ngongole yomwe wobwereketsa amakulipirani. Ngongole zobwereketsa zimatenga zina mwazinthu zomwe zili m'nyumba mwanu ndikuzisintha kukhala malipiro kwa inu, ngati kulipiritsa mtengo wanyumba yanu. Ndalama zomwe mumalandira nthawi zambiri zimakhala zopanda msonkho. Nthawi zambiri, simuyenera kubweza ndalamazo malinga ngati mukukhala kunyumba. Mukafa, gulitsani nyumba yanu, kapena kusuntha, inu, mwamuna kapena mkazi wanu, kapena malo anu mudzafunika kubweza ngongoleyo. Nthaŵi zina zimenezi zikutanthauza kugulitsa nyumbayo kuti mupeze ndalama zobweza ngongoleyo.
kulemedwa kwachuma
Muli ndi ufulu wothetsa mapangano osiyanasiyana ndi maubale pamene mukudutsa njira yogulira nyumba. Tiyeni tiwone mwachangu maubwenzi atatu omwe amapezeka kwambiri omwe mungalowemo komanso zosankha zanu kuti mubwerere.
Kumbukirani kuti mapangano ena amakhala ndi chindapusa ndi zilango, koma izi zimakhala zopepuka poyerekeza ndi mtengo kapena kupsinjika mtima komwe mukusunga nyumba yomwe simukufuna. Anzanu ogula nyumba ayenera kukudziwitsani nthawi zonse musanafike pomwe simungabwerere.
Kenako, yang'anani ntchito yanu ndi mgwirizano womwe ulipo ndi wobwereketsa wanu. Nthawi zambiri mutha kubwezeredwa zolipirira zina, monga cheke cha ngongole ndi chindapusa. Ndalama zina, monga ndalama zoyendetsera ntchito ndi chiwongola dzanja chokonza chiwongola dzanja, nthawi zambiri sizibwezedwa. Mutha kulipira chindapusa poletsa fomu yobwereketsa nyumba.
Wobwereketsa wanu akufunika kuti apereke chitsimikiziro chakulephereka pafoni kapena pamasom'pamaso, ndikutumizanso chitsimikiziro ndi imelo. Sungani zikalata zonse zolepherera ngati mungazifune mtsogolo.
Kuwerengera Mtengo wa Libor Break
Munthu aliyense amene amapereka ngongole yanyumba yokhudzana ndi boma la feduro ayenera kuulula kwa munthu aliyense yemwe akufunsira ngongoleyo, panthawi yofunsira ngongoleyo, ngati ngongoleyo ikhoza kuperekedwa, kugulitsidwa kapena kusamutsidwa kwa munthu wina aliyense nthawi iliyonse. .pamene ngongole ilili.
Kupatula monga zaperekedwa m'ndime ting'onoting'ono (B) ndi (C), chidziwitso chofunikira pansi pa ndime (1) chidzaperekedwa kwa wobwereketsa masiku osachepera 15 tsiku lisanafike tsiku la kutumiza ngongole yanyumba (potengera kwa yemwe chidziwitsocho zapangidwa).
(B) Kupatulapo Njira Zina Chidziwitso chofunikira pansi pa ndime (1) chidzaperekedwa kwa wobwereketsa pasanathe masiku 30 kuchokera tsiku lomwe laperekedwa, kugulitsa kapena kutumizira ngongole yanyumba (mokhudzana ndi zomwe zidziwitso zaperekedwa. ) mulimonse momwe kugawira, kugulitsa kapena kusamutsa kasamalidwe ka ngongole yanyumba kumatsogolere -
kuyambika kwa mayendedwe ndi Federal Deposit Insurance Corporation kapena Resolution Trust Corporation posungira kapena kulandila wogwira ntchitoyo (kapena bungwe lomwe lili ndi kapena lolamulidwa ndi wogwira ntchitoyo).
