Kuvhura uye Kushumira Chibvumirano - Chii chinonzi PSA

Tsanangudzo yePSA ye Mortgage Loans

A PSA inotsanangurwa neChiping and Servicing Agreement. Ichi ndicho chibvumirano chinowanikwa apo zvikwereti zvinotora chikwereti zvakasungirirwa muchengeti -based security uye inotengeswa kune vatengesi. Iko kuchengetedzwa iko zvino muridzi wezvikwereti zvinowanikwa mu bundle. Muridzi weimba angada kuwana PSA iyo chikwereti chavo chave chagadziriswa, kunyanya panguva yekufambisa mberi .

Maitirwo emari ekubhadhara chikwereti akachengetedzwa uye PSA yakasikwa

Zvikwereti zvakawanda zvekutengesa zvikwereti zvinochengeterwa.

Iwe ungasaziva kuti chikwereti chako chakatengeswa nenzira iyi. Anokwereta chikwereti, chakadai sebhangi kana rekutengesa chikwereti , anounganidza mazana ezvikwereti mune imwe purasi. Icho ndicho chikamu chekubatanidza chePSA acronym. Muvambi anowanzotora zvikwereti zvechimiro chakafanana nehutano. Chikwereti chako ikozvino chikamu chechidziva uye chichava chekuchengetedza chikwereti chemari.

Dziva rekugadzirisa zvikwereti rinova chekuchengetedzeka kwekutengesa kana kuchengetwa kwekuchengetwa kwemari-kunotsigirwa kuchengetedzwa uye kunotengeswa pamusika wechipiri. Kakawanda mutengi is trust. Tariro dzinoumbwa nevashambadziri, avo vachawana mari kubva ku trust. Kungofanana nekutora chikwereti chaunotora chikwereti chakatanga kuenda kubhangi, ikozvino zvinoenda kune kuvimba uye ichava chikamu chekubhadhara kune varairi vekuchengeteka.

Mushure mokunge zvikwereti zvikanganiswa uye zvichitengesa, chivimbo chinobhadhara mutengi webasa kuti awane mari yepamwedzi uye kugovera mari kune varairidzi. Chibvumirano ichocho chekuchengetedza chikwereti chinonzi kusungirirana uye kushanda chibvumirano kana PSA.

Chibvumirano chekugadzirisa uye kushanda chinowanikwa neHarare neKushanda Komisheni (SEC) , zvichipa kuti kuchengetedzwa kwevanhu zvive pachena.

IPSA inodzora izvo zvinogona uye zvisingagoni kuitwa nekutendwa. Inotsanangura kodzero, mabasa uye zvinotarisirwa zvevose vanobatanidzwa. Inotarisa kuti iyo servicer inobhadharwa sei uye mari inobhadharwa pazvikwereti zvichaenda.

Zvinonyanya kukosha kune mwene weimba, inotsanangurawo kuti mari inosanganiswa sei, kuti zvikwereti zvehutengo zvinogona kuchinjwa sei uye kushandiswa kwekugadzirisa.

Kuwana Purogiramu Yako Yokushandisa uye Kushumira

Vimba vepamba mazano avo vanochengetedzwa uye avo vari kutarisana nekutsvaga kana vanoda kushandurwa kwechikwereti vanogona kubatsirwa nokuwana Dhipatimendi ravo reDinging uye Servicing. Inogona kunge iri chikamu chetariro panzvimbo pekunyora-gwaro. Kana iyo securitization yaive yakasununguka, unogona kuwana zvinyorwa pa www.sec.gov website.

Kuti uwane PSA yako, iwe uchada zita remutengi wepakutanga uye zita redziva rezvikwereti. Kuwana zita racho kunotora rimwe rekushanda muwebsite yeS SEC. Iwe unogona kuwana zita rekukweretesa kwako uye zuva rekupa tsamba yako yekuvimbisa uye chiito chekuvimba . Zuva iro chikwereti chaitwa chichibatsira pakutsvaga PSA yako pawebsite ye SEC. Tsvaga nezita reunokweretesa uye uwane magwaro akaiswa mugore rekukweretesa kwako. Tsvaga PSA, prospectus uye prospectus supplement.

Kana uchinge wawana magwaro, ona nhamba yedhipatimendi uye mazita uye uchengetedze kana kuisa zviratidzo kwavari. Iwe unogona kutaurira SEC kuti uwane kopi yakagadziridzwa. Iwe unogona kudikanwa gweta kuti ubatsire kuongorora.

PSA uye Short Sales

Apo mapato ekutengeswa pfupi haanzwisisi kuti nei bhangi ringada kuita chirevo pamusoro pekupa kutengeswa kwemafupi, nguva yakawanda iyo mhinduro inogona kuwanikwa mumagariro nemamiriro ePSA.

Dzimwe nguva zvinobatsira zvikuru kutarisa mberi nokuti PSA inotora mari inobatanidzwa nekutarisa kwayo pachako.

Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.