Indlela yokufumana ikopi yolwaneliseko lwe-mortgage
Iindleko zokuvala i-mortgage yimali oyihlawulayo xa uboleka imali, nokuba uthenga ipropati okanye uhlawulela ngokutsha. Kufuneka ulindele ukuhlawula phakathi kwe-2% kunye ne-5% yexabiso lokuthenga lepropati yakho kwiindleko zokuvala. Ukuba uza kuthatha i-inshurensi ye-mortgage, ezi ndleko zinokuba phezulu.
Iindleko zokuvala ziindleko ozihlawulayo xa uvala ukuthenga ikhaya okanye enye indawo. Ezi ndleko ziquka iimali zesicelo, iimali zamagqwetha, kunye namanqaku esaphulelo, ukuba kufanelekile. Ukuba iikomishoni zokuthengisa kunye neerhafu zibandakanyiwe, iindleko zokuvala i-real estate zizonke zingasondela kwi-15% yexabiso lokuthengwa kwepropati.
Nangona ezi ndleko zinokuba lukhulu, umthengisi uhlawula ezinye zazo, ezifana ne-real estate commission, enokuba malunga ne-6% yexabiso lokuthenga. Nangona kunjalo, ezinye iindleko zokuvala ziluxanduva lomthengi.
Isimbuku seendleko zokuvala ezihlawulweyo kuthengiselwano lwezindlu zahluka kakhulu, kuxhomekeka kwixabiso elithengiweyo lendlu, uhlobo lwemali-mboleko, kunye nombolekisi osetyenzisiweyo. Kwezinye iimeko, iindleko zokuvala zingaba ngaphantsi kwe-1% okanye i-2% yexabiso lokuthengwa kwepropati. Kwezinye iimeko – ezibandakanya abathengisi-mali mboleko kunye nee-arhente zezindlu, umzekelo – iindleko zokuvala zizonke zinokugqitha kwi-15% yexabiso lokuthenga ipropati.
Umzekelo wesenzo sokuthembela
I-deed-in-place of foreclosure (i-deed deed) kukutshintshelwa, ngumnini wepropati efakwe kwi-mortgage, kumntu oboleka imali, ngokwaneliseka ngokupheleleyo kwembopheleleko eqinisekisiwe yi-mortgage. 735 ILCS 5/15-1401. Umbolekisi ufumana itayitile kwipropati ngokuxhomekeke kumabango akhoyo okanye i-liens kwipropati, kodwa i-mortgage ayidityaniswa netayitile yombolekisi kwipropati. I-ID Ukwamkelwa kwetayitile yokubuyisela kuphelisa ubutyala bomboleki kunye nabo bonke abanye abantu abanoxanduva lwetyala le mortgage, ngaphandle kokuba kukho isivumelwano esichaseneyo nesenziwe ngaxeshanye netransekshini yesivumelwano sokubuyisela. Imiqathango kunye neemeko apho umboleki uya kunika kwaye umbolekisi uya kwamkela i-deed-in-en-eu of foreclosure kuyaxoxwa kakhulu kwaye kuya kuxhomekeka kwizikhundla zengxoxo ezihambelanayo zamaqela achaphazelekayo. Ekubeni i-Illinois, i-Wisconsin, kunye ne-Indiana icala lomthetho kwesi sihloko lincinci, kuyanceda ukuphonononga umthetho we-federal kunye neminye i-state case law.
Inzuzo yesibini kumboleki kukuba ukupapashwa, iindleko kunye nexesha elibandakanyekayo kwiinkqubo zokwenza i-mortgage loan kunye nezinye izibophelelo, kunye nokulahlekelwa kwepropati ekugqibeleni, ziyagwenywa. Okwesithathu, umbolekisi unokuvuma ukuhlawula yonke okanye inxalenye yemali yokudluliselwa okanye ukuqwalasela imali eyongezelelweyo ukuba i-equity kwipropati idlula ityala le-mortgage. Nangona kunjalo, imali eya kuhlawula umbolekisi idla ngokuba ngaphantsi kunoko umntu wesithathu angayihlawula, ukuba unokufunyanwa. Okokugqibela, umbolekisi usenokubuyisela kumboleki amalungelo athile alinganiselweyo okubanini okanye amanye amalungelo epropathi, anjengokuqeshisa ngayo yonke okanye inxalenye yepropati, ukhetho lokuthenga, ilungelo lokwala okokuqala, njalo njalo. Nangona kunjalo, ababolekisi badla ngokuba mathidala ukunika loo malungelo aseleyo kumboleki ukuze afumane ipropati ngaphandle kwayo yonke inzala engekahlawulwa. Ukuba ukhetho okanye ilungelo lokuqala lokwala linikezelwe, umbolekisi uya ngokuqhelekileyo ukunciphisa ixesha elifumanekayo kwixesha elifutshane.
Ngaba ukwaneliseka kwe-mortgage kuyafana ne-deed
Uvunywa kwangaphambili kwimali mboleko ukuze ufumane ikhaya lamaphupha akho. Emva koko ubeke intlawulo ephantsi, uqokelele imali yokubambisa, uhlawule umthengisi, kwaye ufumane izitshixo, akunjalo? Hayi ngokukhawuleza. Ezinye iindleko kufuneka zithathelwe ingqalelo. Ezi ndleko zokuvalaIvula ifestile evelelayo. kunye neendleko ezongezelelweyo zinokuchaphazela unikezelo lwakho, isixa sentlawulo yakho ephantsi kunye nesixa semali mboleko ofanele ukuyifumana. Bambalwa kuphela abazikhethelayo, ngoko qaphela ezi ndleko kwasekuqaleni.
Emva kokuba ufumene ipropati, kufuneka wazi yonke into malunga nendlu, okulungileyo nokubi. Ukuhlolwa kunye nezifundo zinokutyhila iingxaki ezinokuchaphazela ixabiso lokuthenga okanye ukulibaziseka okanye ukumisa ukuthengisa. Ezi ngxelo zikhetho, kodwa zinokukunceda ugcine imali kwixesha elide.
Phambi kokuba wenze isithembiso kwipropati, yenza uhlolo lwendluIvula ifestile ephumayo Umhloli wendlu ujonga ukuba yonke into esendlwini ikwimeko elungileyo yokusebenza. Ukuba uphahla lufuna ukulungiswa, uya kufuna ukwazi ngoko nangoko. Ukuhlolwa kwekhaya kukunceda wenze isigqibo esinolwazi malunga nokuthenga ikhaya. Ngelo xesha, unokuhamba kwaye ungajongi ngasemva.
Yintoni isiqinisekiso sepropati yetrasti?
Ukwaneliseka kwe-mortgage luxwebhu oluqinisekisa ukuba i-mortgage ihlawulwe kwaye ichaza imimiselo yokudluliselwa kwamalungelo okubambisa. Ababolekisi bezindlu kufuneka balungiselele amaxwebhu okwaneliseka kwe-mortgage ekufuneka asayinwe ngawo onke amaqela anxulumene nemboleko-mali mboleko kunye netayitile yetayitile.
Amaziko abolekisa ngemali anoxanduva lokulungiselela nokufaka amaxwebhu okwaneliseka kwe-mortgage. Iinkqubo malunga nokwaneliseka kwamaxwebhu e-mortgage kunye nenkcazo yazo zilawulwa ngamazwe ngamanye.
Abacwangcisi bezemali abaninzi bacebisa ukukhawuleza kweentlawulo ze-mortgage ukuhlawula imali-mboleko yakho ngokukhawuleza. Ukwenza intlawulo eyongezelelweyo yemali-mboleko-ucinga ukuba umbolekisi wakho uyakuvumela ngaphandle kwesohlwayo-unokucheba iinyanga kwithuba lakho lokuboleka imali kwaye ugcine amawaka eedola kwiindleko zenzalo. Isicwangciso esisebenzayo sokukhawulezisa intlawulo ye-mortgage siya kunceda abanini-zindlu bafumane uxwebhu lolwaneliseko lwe-mortgage olunqwenelekayo ngokukhawuleza.
Ulwaneliseko lwe-mortgage lukwaluncedo ukuba umnini ufuna ukwenza isibambiso sepropati njengesibambiso seshishini okanye imali-mboleko yobuqu. Kakade ke, iingenelo zokuthatha imali-mboleko usebenzisa indlu njengesibambiso, emva kokuchitha amashumi eminyaka ukuhlawula i-mortgage, kufuneka iqwalaselwe kakuhle ngaphambi kokwenza njalo.
