Ukuthengisa ngento engaphantsi kwetyala

Inzuzo kunye nentengo yokuThengisa ngokufutshane eNew Jersey

NJ Ukuthengisa kufutshane njengendlela yokuNqanda Ukuxelwa kwangaphambili

Le yeVeer Patel kwiOfisi Yomthetho kaPatel Soltis kunye noCardenas. Ndifuna ukuthetha nawe kancinane malunga nokunciphisa ilahleko kunye nolunye ukhetho onokuba nalo ngokungathandabuzekiyo izibonelelo kunye nokuthengiswa kweNdawo eNcinci yokuthengisa. Nceda uqonde ukuba ukuthengiswa okufutshane eNew Jersey yishishini elinobuzaza. Thatha oku njengesaziso sokuba ukuphela kosuku akunakufumana nzuzo kwezemali kwintengiso emfutshane. Oku kunokubonakala kungakulungelanga, nangona kunjalo, unokukwazi ukusebenza ngemali yokuhamba ukuba uneqela elifutshane elithengisayo elisebenza nawe.

Ukuthengiswa okufutshane kwe-NJ yinto oyaziyo ukuba kufuneka ulumkele ukuqhuba intengiso emfutshane. Uninzi lwamashishini athengisayo amafutshane asebenza njengabathengi afuna ukuba abathengisi bamkele nayiphi na eyona nto inomdla kwishishini lokuthenga ipropathi yakho. Oku kwenza ingqiqo yemali kwinkampani ethenga ikhaya lakho njengoko ikwishishini ukufumana uninzi lweentengiso ezimfutshane kangangoko kunokwenzeka ngemali encinci. Bakhangela yonke iMephu yaseNew Jersey ukuze babafunele abaviwa ukuba bathenge amakhaya abo.

Qaphela i-NJ emfutshane yokuthengisa Izikratshi ukuquka ukubonelela kwaBabolekisi, abathengi, iiModifiyali eziMbolekayo, okanye abaBeki bemali mboleko evakala ilungile ukuba yinyani

Usenokuba ubonile abathengi bezentengiso kwi-facebook okanye kwi-twitter abanikela ngayo ukuba bathenge ikhaya lakho ngemali, okanye baqeshise umzi wakho babuyele kuwe. Ngaba ukhe wakhubeka ngakwinkqubo yemithombo yeendaba ezingekho mthethweni malunga nentengiso emfutshane yenkampani entsha enesisombululo esimangalisayo esibonelela ngeenkonzo ezivakala ngathi ngummangaliso ubuwukhangela? Rhoqo ngenyanga, kufuneka silwe namagcisa ahlabayo ukuze sifumane abathengi bethu imali yabo kwiinkampani zokuguqula iimboleko ezingezizo nabantu abazenza ngathi bababolekisi ngesithembiso esinokubandakanya iimali mboleko ezingasenanto yakwenza nokushiya abathengi bekhoboka beziva bengabinayo ayikho enye indlela ngaphandle kwentengiso emfutshane. Ngaba sowufumene imali ezinkozo ekhayeni lakho apho isixa esibonelelweyo singaphezulu kwexabiso lekhaya lakho?

Thetha ne NJ igqwetha lezindlu namhlanje ngokukhululekileyo ukuya ngaphaya kokunikezelwa. Oku yi UKUQINISEKISA SIMAHLA Ukuqinisekisa ukuba uqonda zonke iinketho zakho, hayi iinketho ezizuzisa umthengi kuthengiso olufutshane.

Njengomthengisi, isenokungabi sengqiqweni yezemali ukuba ungatyhubela kwintengiso emfutshane e-New Jersey, ke qiniseka ukuba uthetha ngazo zonke iinketho zakho ngokuthengisa Ummeli wokuzikhusela kwisimo seNew Jersey kunye neReal Realator.

Ukukhetha intengiso emfutshane kubandakanya:

  • Ukuthengisa ikhaya ngenzuzo
  • Ukuqeshisa ikhaya okanye amagumbi ukwenza imali eyongezelelweyo
  • Ukuchithwa - Isahluko 7, Isahluko 13, Isahluko 11 okanye indibaniselwano yesithathu
  • I-Deed-in-Lieu yokuDalulwa kwezinto ukuba ufuna ukuphuma kwipropathi ngokukhawuleza okanye unganikwa imali yokuhamba ngokubambisana ne-deed-in-panzvimbo yokubaliswa
  • UkuLungiswa kweMali mboleko -Ukuba uzame kwisithuba esidlulileyo, masiqwalasele isicelo sakho sangaphambili kunye nokulandela abantu obabhatalele uguquko lwemali mboleko ukuba ngekhe uphinde ufumane isiqinisekiso. Ngaphantsi kweenkampani ze70 zinelayisensi yokwenza uhlengahlengiso lwemali mboleko kwiPhondo laseNew Jersey. (Amagqwetha avumelekile ukuncedisa kulungiso lwemali mboleko, kodwa oko akuthethi ukuba abahluthi abantu ngaphandle kwemali. Kule veki iphelileyo sifumene isheke yokufumana i-$ 3998 kumthengi omnye.)

Siye safika abantu kwi-ofisi yethu yomthetho bezama ukulandela intengiso emfutshane, kodwa emva kokuba sihlalutye impahla yabo safumanisa ukuba banokuyithengisa kwintengiso evulekileyo benze inzuzo kuyo kodwa loo mali kwiakhawunti yabo yebhanki ngokuthelekisa neakhawunti yebhanki. kwishishini elizama ukubahlazisa. Akukho copyright kwi-Scams, kwaye sibona ezifanayo kunye eziphindaphindiweyo zivela kwimikhombandlela eyahlukeneyo. Umahluko omnye umnxeba onokubakho ngumahluko phakathi kokucela inkxaso kwiintsapho xa uthatha umhlala phantsi kwaye kufuneka uqalise umsebenzi (imisebenzi) omtsha wokusebenza ekufuneka ubenakho ukuba nenxaxheba kwithamsanqa lakho nosapho lwakho ekuthengiseni ikhaya lakho kwinzuzo ngenxa yokuba uthathe isigqibo esifanelekileyo sokuqhubeka ukhangela esona sisombululo endaweni yokuthatha isibonelelo sokuqala osifumeneyo.

Kutheni le nto ukhetha ukuThengisa ngokuMfutshane njengoMniniKhaya kwiNew Jersey?

Ukuthengisa kufutshane eNew Jersey kunokuba yinto yakho yokugqibela ukungavumeli ukubonwa kwirekhodi yakho kunye nokuthintela ukuba likhaya lakho kuthengiswa kwifandesi yesherifu yecandelo. Ukuba ukhe wazihlola zonke ezinye iindlela zokugcina ikhaya lakho, okanye isigqibo sakho kukususa impahla kuba akukho sixa seendaba ezilungileyo malunga nepropathi singakuze siqiniseke ukuba ufuna ukuqhubeka ujongana nepropathi emva koko kuthengiswa okufutshane. inokuba yeyakho kwaye ibe yeyona ndlela inokwenzeka.

Sibonile abazali abathi ngelishwa bafumane izindlu zabantwana babo ezaziphantsi kwamanzi kwaye bengakwazi nokujongana nokuzama ukuvula ucango lwangaphulelo mali yemali mboleko kumakhaya afuna ukuthengiswa okufutshane. Khawufane ucinge isibini esidla umhlala-phantsi esingakwaziyo ukugcina indlu yesibini, kwaye singenakho ukubhengeza ukungabinamali njengoko oko bekuya kuthatha enye impahla yabo ukuba kugxothwe amakhaya abo. Sibonile abatyali-zimali bentywila amawaka eedola kwiipropathi abangakwazanga ukuqeshisa ngazo, ukuthengisa ngemali, ukwenza ingeniso, ebingenalo itayitile ecacileyo ekugqibeleni.

Njengomthengisi, awuvunyelwanga nzuzo kwintengiso emfutshane, kwaye ngokwesiqhelo awunakuthengisa ngepropathi kwilungu losapho okanye kumhlobo osondeleyo wosapho. Ngokusisiseko, iibhanki azifuni ukuba ungene phezu kwazo ngokwenza inzuzo ngasese kwisivumelwano. Ungawubona umxholo wekhaya lakho ngenzuzo, kodwa hayi ikhaya ngokwalo. Nangona kunjalo, ngamanye amaxesha iibhanki ziya kubandakanya igatya kwisivumelwano esifutshane sokuthengisa iimali eziza kusetyenziselwa ukuthutha ukuphuma kwexabiso lokuthengisa. Nangona kunjalo, oku kufanelekile ukuba kuxoxiswane nomntu ojonge ezona zinto zilungele wena, hayi iibhanki hayi abathengi. Kulapho ungafuna ukujonga ekuqeshiseni inkampani ethengisa mfutshane ehlawulwa ngumthengi xa kuvalwa okuza kuthetha-thethana ngokuthengisa okufutshane egameni lakho.

Ukuthengisa ngokufutshane kunokuba lithuba lakho lokugqibela lokuthintela ejongene nembonakalo yangaphambili eNew Jersey

Ufumana intengiso emfutshane njengethuba lokugqibela xa zonke iinketho zakho ziphelile. Ke kulungile ukugcina ityala lakho kwaye yeyona ndlela onayo oshiyekileyo njengoko ungaphantsi kwamanzi kwimali mboleko yakho yangoku okanye ekubambiseni ngemboleko mali ukuba ukhuphe ngaphezulu kwesinye xa intengiso yezindlu ilungile. Ngokuthengisa okufutshane, akukho buntsala bele ndawo. Kulungile ke masithi indlu yakho ixabisa i-500,000 kwaye unetyala le- $ 750,000.

Uya kwenza intengiso emfutshane ukuze uthengise ngepropathi. Okokuqala, udinga imvume yebhanki yokuthengisa kufutshane. Emva koko ufumana i-realtor okanye nokuba ligqwetha kwiphakeji yakho yentengiso emfutshane. Xa kuvalwa ibhanki iyavuma ukuthatha imali engaphantsi kwento etyalwa xa kuvalwa. Uza kufuna ukuqinisekisa igqwetha lakho nokuba kungasiphi na isivumelwano esifutshane sokuthengisa esikukhusela kuko nakuphi na ukusilela. Ke i- $ 250,000 ibhanki masithi ayakhange ihlawulwe. Kuba indlu ithengisiwe nge $ 500,000.

Ngaphandle kokwazi ukurhaneleka ukusilela kwi-XXUMX ye-$ 250,000 kwiNdawo eNcinci yokuthengisa xa wawungenalo iGqwetha loKhuseleko lwe-NJ lokuKhusela

Ke, ufuna ukuyilumkela loo nto. Kwakhona, kuya kufuneka ukhumbule ukuba kukho iziphumo zerhafu.
Ngoku, andinguye umntu oza kuthetha ngerhafu

Iziphumo kuba ndiligqwetha. Kodwa kuya kufuneka uthethe kwi-accountant xa usenza into enje ngoba ungabanjwa ubenetyala lerhafu kuthengiso olufutshane. Ke loo nto kufuneka igcinwe engqondweni.

I-Veer Patel, i-Esq. Ukuzikhuselwa kwembonakalo ye-NJ igqwetha zombini i-New Jersey kunye ne-New York State layisensi yegqwetha Ugxila ekusindiseni amakhaya kwi-Foreclosure. Uncede abantu abaninzi ngokukhuselwa kwezomthetho ezibekwa ecaleni eNew Jersey naseNew York.

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