Indlela yokuFundela ukuba uMnini weNdawo oya kwiNtloko yeNgqungquthela
Ukuba uyazibuza ngamalungelo abaqeshi ekugqibeleni, ufike kwindawo efanelekileyo. Abaqashi abanokungenwa kwinto engabhekiswa kuyo umninikhaya wabo kufuneka bangabi nkunkuma enye ngomzuzu ngaphambi kokufumanisa. Iziganeko ezilindelekileyo zirekhodi kawonkewonke. Kodwa njengendlalifa, akudingeki ukuba udibanise iirekhodi zoluntu yonke imihla ukuze ubone ukuba umninikhaya wakho wenza iintlawulo zemboleko.
Ukuba ungumqeshi ucinga ngokuqeshisa ikhaya elitsha, uya kufuna ukwazi ukuba umntu (umntu) obiza ukuba ungumnini ngokwenene ungumnini wezindlu.
Kukho izinto ezininzi zokuqhawula umhlala-phantsi ezivela kubaculi be-con posing as homeowners. Awufuni ukuvusa ngolunye usuku kusasa uze ufumane umphathiswa kwindlu yakho, uthi ufuna ukuphuma ngenxa yokuba uhlawule irenti kwi-scammer.
Yaziswa Ukuba Umhlali Wakho oya kwiNgqungquthela
Yonke into ineemithetho eyahlukileyo, kodwa kumazwe amaninzi, umqeshi unelungelo lokucela ikopi yesaziso esingagqibekanga . Kwi-Nevada, umzekelo, kuya kufuneka ufumane ikopi yesivumelwano sakho sokuqeshisa nawe. E-California, kulula kakhulu kwaye engabizi ukuyenza, kwaye nabani na onokuyifakela ikopi yesaziso esingagqibekanga.
Ekubeni amaninzi athetha iCalifornia, nantsi indlela yokucela ikopi yesaziso sokungagqibeki eCalifornia. Hlola kunye nesimo sakho ukuze ufumene indlela yokwenza ngayo. Le ndlela yindlela ephakamileyo yokukhusela amalungelo akho abaqeshi ekugqibeleni.
Isicelo soKhuphela kweSaziso soPhezulu
Ikhululekile eCalifornia. Ngokuqhelekileyo igcinelwe umnini-junior holder ukuba axelelwe kwimeko apho umboleko wokuqala uhamba ekungqiniweyo, nabani na, ngokwenene, banokufakela isaziso se-default eCalifornia.
- Yiya kwi- ForeclosureForum ukufumana ifom, uyizalise kwikhompyuter yakho kwaye uyiprinte. Unokucela le fomu kwiSebe leenkonzo zethengi kwikampani yenkampani yakho.
- Unokuhlawula ukufumana ikopi yesenzo sokuthembela kwi-intanethi, kodwa kutheni? Shayela inkampani yenkampani ukufumana ikopi yesenzo sentembeko ngesikolo. Uya kufuna umncedisi, umxhamli, inombolo yesazisi, incwadi kunye nephepha leenkcukacha ukugqiba isicelo seKopasho yeSaziso seMeko. Olu lwazi lunikezelwa ngezenzo zokwethemba. Unokufumana kwakhona ulwazi kwiofisi yeNgingqi yoMgcini weNgingqi.
- Ifom kufuneka ibhalwe phantsi.
- Rekhoda ifomu kwiofisi yakho yokurekhoda.
- Abarekhodi bamaRejista bahlawulisa ukurekhoda loxwebhu, kodwa kungabizi. E-Sacramento, umzekelo, umrhumo u-$ 11 kwiphepha elilodwa.
Emva kokuba Isicelo seKopasho yeSaziso esiPhezulu sibhaliswe kwi-county yakho, ukuba inkampani yomnini-mboleko yakho ihamba phambili, uya kufumana ikopi yeso saziso ngeposi.
KwiCalifornia, ukukhutshwa kwangaphambili kuthatha malunga neenyanga ezi-3/2 ukugqiba ukususela ngomhla wokuthi iSaziso soMntu oPhezulu sirekhodiwe. Oku kufuneka kukunike ixesha elide lokufumana indawo entsha yokuhlala, ukubonelela umninikhaya wakho uyavuma. Ukuba umdayisi uthengisa ikhaya njengentengiso emfutshane, kunokuthatha ixesha elide ukuvala, okuza kukunika ixesha elide lokufumana ikhaya elitsha.
Amalungelo abaHlomelo kwiNgqungquthela
Amalungelo akho nje ngokuba ngumqeshi ekugqibeleni kuyahluka kuye kuxhomekeke ukuba ngaba usayine iqeshiso okanye uqesha inyanga inyanga. Ngokwe-Helping Families Ukugcina Umthetho Wamakhaya Wabo ka-2009, abaqeshi inyanga-ngenyanga bahamba ubuncinane beentsuku ezingama-90 ukuba bahambe, kodwa enye imithetho iyahluka. Khumbula ukuba nangona umnini-mhlaba wakho engayikhokheli imali, umqeshi usadingeka kwiindawo ezininzi ukuqhubeka nokuhlawula irente.
Abanye abaqeshi kwiimeko zokugweba iyalondoloza ilungelo lokumangalelwa umninikhaya kwiNkundla yeMangalo encinci ngenxa yokungahloniphi ixesha lokuqeshisa.
Uya kufuneka udibanise negqwetha okanye inhlangano yomqashi ukuze ubone ukuba oku kuya kusebenza kuwe.
Ukuba uvumelekile ukuba usolwe umonakalo, nakhu ezinye iimali ozokwazi ukuzenza kwakhona:
- Iinkampani ezihambayo kunye neenqwelo zokuqashisa
- Iindleko ezenzelwe ukufumana ikhaya elitsha
- Ukulahlekelwa kwezokhuseleko
- Ukwahlula phakathi kwerente kunye nerenti entsha
- Iindleko zentlawulo entsha yokhuseleko
- Ixesha elide emsebenzini
Unganqikazi ukuqhagamshelana negqwetha ukuze ufumane iingcebiso ezingaphezulu. Nangona kunjalo, abaqeshi beCandelo 8, banokukhuselwa phantsi kwemithetho eyahlukileyo. Qhagamshelana neHUD.
Abaqashi bangabiza umnini-mhlaba ukuba bafumane ukuba bangafaka isicelo sabo sokukhupha kwiintlawulo eziqashisayo, ngenxa yokuba kwezinye iinjongo ezifana neCalifornia, ukuchithwa kwempahla kuyasusa isivumelwano sokuqeshisa. Ngaloo ndlela, ukhuseleko lwakho luphelile.
Cash for Keys
Emva kokuba ikhaya liye lagqithisa ukuchithwa kwento kunye nesihloko sele sidluliselwe kumbolekisi, mlungele ukuva kummeli-mboleko.
Abanye basebenzisa amaqhinga e-ballball ukuzama ukwenza abaqeshi baphume phambili ngaphaya komthetho.
Esinye isiluleko kumntu oqeshwe ngumqeshi ukucela imali ngemitshixo . Umqashi angaqokelela ngokwaneleyo ukuhlawula isithuba sokuqeshwa kwenyanga yokuqala kunye nokukhuselwa kwindlu entsha. Qinisekisa ukuba isivumelwano esivela ebhankini sibhaliwe ngaphambi kokuba unikezele izitshixo.
Indawo ekhuselekileyo yokufumana inkqubo yokuqhawula isingqinisiso seNational Housing Income Coalition. Inhlangano engenzi nzuzo ityhila inkqubo yokukhutshwa ngexesha lokuvalwa, urhulumente ngurhulumente.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.