Iindleko zokuvala umthengisi
Ukukhangela ikhaya lakho elitsha kuyonwabisa, kodwa qiniseka ukuba ufumana iindleko zakho zokuvala ngokufanelekileyo ukunqanda izinto ezothusayo zomzuzu wokugqibela. Nje ukuba ulifumene ikhaya eligqibeleleyo kwaye imali mboleko yakho yamkelwe, kukho amanyathelo ambalwa okufuneka uwathathe ngaphambi kokuba ufumane izitshixo zekhaya lakho elitsha. Elinye lala manyathelo yintlawulo yeendleko zokuvala.
Ngeentsuku ezi-3 zokungenisa isicelo esipheleleyo semali-mboleko, uya kufumana uQikelelo lweMali-mboleko oluya kukunika umbono ongcono wokuba kufuneka uhlawule malini malunga neendleko zokuvala. Emva koko, kwiintsuku ezi-3 phambi kokuvalwa, uya kufumana i-Disclocation yokuvala kunye neendleko zokugqibela, ezinokubandakanya:
Ngubani ohlawula iindleko zokuvala kwintengiso yepropati
1. Ukhuseleko. ICandelo le-1026.19(a) lifuna ukubhengezwa kwangaphambili kwemigaqo yekhredithi kwintengiselwano ye-mortgage ebuyela umva ngokuxhomekeke kwicandelo 1026.33 elikhuselwe likhaya lomthengi kwaye likwaphantsi koMthetho weNkqubo yokuHlaliswa kwe-Real Estate (RESPA) ) kunye noMgaqo wokuPhunyezwa kwawo X. Kwicandelo lecandelo 1026.19 (a) ukufaka isicelo, intengiselwano kufuneka ibe yimali mboleko enxulumene ne-mortgage phantsi kwe-RESPA. "I-Federal Related Mortgage Loan" ichazwa kwi-RESPA (12 USC 2602) kunye ne-Regulation X (12 CFR 1024.2 (b)), kwaye ixhomekeke kuyo nayiphi na inkcazo yi-Ofisi.
3. Isicelo esibhaliweyo. Abatyalwayo banokuthembela kwi-RESPA nakuMgaqo X (kubandakanywa nokutolikwa kwe-Ofisi) ukwenza isigqibo sokuba sifunyenwe 'isicelo esibhaliweyo' kusini na. Ngokuqhelekileyo, i-Regulation X ichaza "isicelo" njengokungeniswa kolwazi lwezemali ngumboleki ngokulindela isigqibo sekhredithi ehambelana ne-federal mortgage loan. Jonga i-12 CFR 1024.2(b). Isicelo sifunyanwa xa sifika kumbolekisi ngayo nayiphi na indlela izicelo ezidla ngokugqithiswa ngayo: ngeposi, ngokuziswa ngesandla, okanye ngearhente engumthetheli okanye umthengisi. (Jonga i-Comment 19(b)-3 ngesikhokelo ekumiseleni ukuba intengiselwano ibandakanya okanye hayi i-arhente yomthetheli okanye i-broker.) Ukuba isicelo sifikelela kumbolekisi nge-arhente ephakathi okanye umthengisi, isicelo sifunyanwa xa sifika kumbolekisi, kungekhona xa sifika kwi-arhente okanye umthengisi.
Yintoni ebandakanyiweyo kwiindleko zokuvala
Ukubhengezwa: Eli nqaku liqulethe izixhumanisi ezihambelanayo, oku kuthetha ukuba sifumana ikhomishini ukuba ucofa ikhonkco kwaye uthenge into esiyicebisile. Nceda ujonge umgaqo-nkqubo wethu wokubhengeza iinkcukacha ezithe vetshe.
Iindleko zokuvala ziyinkalo ebaluleke kakhulu ye-real estate ekufuneka abathengi basekhaya balungiselele, kodwa ngubani ohlawulayo? Ngamafutshane, iindleko zokuvala zomthengi kunye nomthengisi zihlawulwa ngokusekelwe kwimimiselo yekhontrakthi yokuthenga ikhaya, apho omabini amaqela avumelanayo. Njengomgaqo jikelele, iindleko zokuvala umthengi zinkulu, kodwa umthengisi uhlala enoxanduva lweendleko zokuvala. Okuninzi kuxhomekeke kwikhontrakthi yokuthengisa.
Iindleko zokuvala zizo zonke iimali kunye neendleko ekufuneka zihlawulwe ngosuku lokuvala. Umgaqo jikelele kukuba iindleko zokuvala zizonke kwiipropati zokuhlala ziya kufikelela kwi-3-6% yexabiso lilonke lokuthengwa kwekhaya, nangona oku kunokwahluka ngokuxhomekeke kwirhafu yendawo yendawo, iindleko ze-inshurensi kunye nezinye izinto.
Nangona abathengi nabathengisi bahlala besahlula iindleko zokuvala, ezinye iindawo ziye zaphuhlisa amasiko azo kunye nezenzo zokwahlula iindleko zokuvala. Qiniseka ukuba uthetha nomthengisi wakho wezindlu malunga nokuvala iindleko kwangethuba kwinkqubo yokuthenga ikhaya, nto leyo enokukunceda uthethathethwano ngezivumelwano zokuthengisa. Kamva siza kukunika iingcebiso malunga noku.
Zeziphi iintlawulo ezihlawulwa ngabathengisi xa bethengisa indlu?
Umzobo obonisa inani lemizekelo evela kulo lonke elase-United States apho abantu bebala abazange banikwe imali-mboleko yezindlu, ngelixa abafaki-zicelo abamhlophe abaneemeko zemali ezifanayo baye bavunywa ukuba babolekwe. Le mizekelo ivela kwidatha eyayanyaniswa noMthetho we-Home Mortgage Disclosure Act (HMDA) evela kwiBureau yoKhuseleko lweMali yoMthengi. Izibini ezingumzekelo zafunyaniswa zikwimeko efanayo yezemali ngokusekwe kwindawo ezikuyo, umvuzo wazo wonyaka, umlinganiselo wetyala labo kwingeniso, kunye nesixa ebesizimisele ukusiboleka xa sithelekiswa nexabiso lekhaya labo. Imizekelo engama-20 iyahluka omnye komnye ngokwejografi nangokwemali (ingeniso eyahlukileyo, iimali-mboleko, njl.njl.). Imizekelo iboniswe kwimephu yase-United States eyenziwe ngeepictograms ezincinci zabantu. Imizekelo iboniswa kwizixeko ezingama-20 ezahlukahlukeneyo, kuquka iBaltimore, iMaryland, iKansas City, iMissouri, iPortland, iOregon, iNew Haven, iConnecticut, nezinye.
Indlu entsha enamagumbi amane okulala eCharlotte, NC yayiliphupha likaCrystal Marie kunye no-Eskias McDaniels laseMelika, isizathu sokuba bafudukele kwesi sixeko sisemazantsi besuka eLos Angeles ebizayo kwiminyaka embalwa eyadlulayo. Ingca echumileyo, ende, indawo yokuhlala eziskwemitha ezingama-2.700 375.000, ichibi laselumelwaneni, nebala lokudlala lonyana wakhe, uNazret. Yonke i-$ XNUMX.
