Ukuxhaswa kweeNgxowa-mali, nakwii-Mortgages zangaphantsi kwamanzi
INkqubo yeRefance Refinance yasekhaya (UHPP) yiyathelo elenzelwe ukunceda abanini bezindlu bahlaziye amakhaya abo. I-HARP 2.0 yimizamo yesibini ekufumaneni inkqubo ngaphandle komhlaba, emva kokuphumelela okulinganiselwe kwisilingo sokuqala. Abanini bezindlu babekade bekwazi ukulungiswa ngokubolekwa kwemali mboleko ukuba baxabise i -125% okanye ngaphantsi.
Yintoni enokuyenza i-HARP 2.0 ngababoleki?
I-HARP ngokwenene ivumela ukuba abanini bezindlu bahlaziywe kwiizinga eziphantsi kwembali, ezingabancedisa ukugcina imali kwizindlu.
Ngezindlu ezinzulu ngaphantsi kwamanzi, abaninzi abaninikhaya abanakho ukuhlaziywa.
Ukuhlaziya kwakhona xa amaxabiso aphantsi awanceda abanini bezindlu bafike kwi-vanilla mortgage mortgage. Basenokungena kwiimali-mboleko zentsuku ezimfutshane ngaphandle kokutshintsha okukhulu kwiintlawulo zabo zenyanga, banokuthi bangene kwimali-mboleko eyenza ihlawulwe okanye ihlawulwe (ngokuchasene nemali mboleko kuphela), okanye iyakusuka kwi-mortgages rate rate (ARMs) kwizinga elimisiweyo. eziza kuhlala ziphantsi kwexesha le mboleko.
Oku kunokukunceda njani? Qalisa amanani ukuze uzenzele ukuba kukho nayiphi na inzuzo yokuhlaziya. Unokuphelisa ngentlawulo ephantsi, ukwazi ukuhlawula imali ngokukhawuleza, okanye uchithe imali encinci kwiminyaka ezayo. Ukuze ufumane iimpendulo, fumana indlela yokubala iimali-mboleko okanye uvumele ukuba i- calculator yethu yenzele yona.
Iimbali eziphambili ze-HARP 2.0
- Akunandaba nokuba ungakanani emanzini - umboleko ongenamkhawulo ukuxabisa iiratiphi kuvunyelwe ukuhlaziywa kwii-mortgage rate
- Kwimeko ezininzi iifriji ze-appraisals ziyacinywa (ezigcina iindleko zokuvala eziphantsi)
- Ukuba awunayo i- inshurensi yangasese yangasese (PMI) ngaphambili, ayiyi kunikwa xa uhlaziywa phantsi kwe-HARP
- Uyakwazi ukususa igama lomntu kwi-mboleko (njengoweseshweswa naye)
- Iingxowa-mboleko ezimbi zibaluleke kangangoko kunokuba ngaba uya kufaka isicelo sokuhlaziya ngaphandle kokusebenzisa i-HARP
- Izakhiwo zokutshala imali kunye namakhaya e-sibini - kunye nokuhlala kwakho okuphambili - unokuhlaziywa
- Imirhumo kunye neerhafu zingaba ngaphantsi kunokuba ziba yiyo xa uhlaziywa ngokwakho (ukuba ukulungiswa kwempahla kunokwenzeka ngaphandle kwe-HARP)
Ukubhalwa kwengeniso yakho kunye neempahla kunokuba ngumthwalo onzima kunokuba uzilungiselele ngokwakho
Ukuqiqa nge-HARP
Kutheni ulawulo lwe-Obama, ngokusebenzisa iProgram yokwenza iPhaya elithengisekayo, uzama ukwenza kube lula ukuhlaziya? Imali-mboleko sele isele kwiincwadi, ngoko umngcipheko wokungagqibekanga usele noFannie Mae okanye uFreddie Mac. Ukuvumela ukuba uhlaziywe ngezinga eliphantsi kwenza kube lula ukuba uza kubuyisela ngokugcwele imali mboleko. Ukuba unamathele kwikhaya eneentlawulo eziphezulu, unako ukuhlawulwa ngemboleko okanye uhambe nje.
Khumbula ukuba ukuba ufanelekile kwi-HARP, ukwenza iintlawulo zakho nangoko, ngoko ingozi yokungagqibeki iphela.
Izidingo zokufaneleka
Ukuze ufaneleke ukuhlaziywa phantsi kwe-HARP, kufuneka uhlangabezane nale migqaliselo elandelayo:
Awukwazi ukuba umbolekisi wakho uyingxenye kaFannie Mae okanye uFreddie Mac - ungacingi nje ngokuba uhlawula kwi "Wells Fargo" okanye nayiphi na ibhanki. Uhlawula umthengi wakho wemali mboleko, kodwa umnini-mboleko unokuba yinto ehlukile.
I-HARP Refinancing Costs
Ukuhlaziywa phantsi kwe-HARP kufana nokuhlaziywa ngaphantsi kwezinye iimeko; kukho iindleko zokuvala ezibandakanyekayo. Unokwazi ukugqithisa uninzi lweendleko kwi-mboleko, oku kuthetha ukuba akufanele uhlawule ephaketheni ukuze uhlaziywe, kodwa uya kugqiba ukuhlawula umdla kulezo zindleko kwiminyaka emininzi ezayo. Ngaphandle koko, iindleko zakho yinqanaba lomdla olihlawula ngalo mboleko. Ukuba le nkqubo isebenza kuwe, loo nqanaba kufuneka ibe ngaphantsi kwento oye uyihlawula ngayo.
Qaphela ukuba inkokhelo engaphantsi kwenyanga ayithethi ukuba uyasindisa imali (nangona inokukunceda uhlale uhlala ixesha). Ngokuqinisekileyo kufuneka usebenze amanani ukuba uqiniseke. Ukuba ukwandisa ibhalansi yakho yemali mboleko ngokuqhafaza kwiindleko zokuvala, kwaye ukwandisa inani leminyaka oza kuhlawula umdla, ungeke uzuze ngokungakumbi njengoko ucinga.
Ukuhamba phambili kunye ne-HARP 2.0
Ukuba ungathanda ukusebenzisa i-HARP 2.0 ukuze uhlaziywe, khuluma nomboleki-mboleko. Umboleki wakho okhoyo unokukwazi ukuwuphatha, okanye ufanele ukhangele kwenye indawo. I-HARP inemithetho yayo, kodwa umboleki ngamnye unemithetho yakhe - abanakho ukuthanda okanye abakwazi ukukunceda ukuba usebenzise inkqubo. Ukuba ucinga ukuba ufanelekile kodwa umboleki wakho uthi awunjalo, zama enye ityala.
Ukuba unemibuzo, unokuhlala ubiza umnxeba weHOPE yeHOPE kwi-888-995-HOPE (4673).
Imiba ye-HARP 2.0
Inkqubo yokuHlaziya iRaffordable Affiliable Can Affordable Can not help you to save money on you monthly payments. Nangona kunjalo, ayitshintshi into yokuba umboleko wakho uhlawulelwe phantsi, kwaye usenokujongana nale nyaniso. Kungathatha iminyaka ukuba uphinde ubuye, kwaye kufuneka uhlole zonke iindlela (ezifana nokuthengisa okufutshane kunye nokuguqulwa). Ukuba uceba ukugcina ikhaya lakho ixesha elide, i-HARP 2.0 ingaba nengqiqo.
Ngaphambi kokuba uchithe imali kwiindleko zokuvala, cwangcisa isicwangciso sakho sokuphuma: njani kwaye ucinga nini ukuba uthengise ikhaya lakho?
- Umboleko wakho unomnini okanye uqinisekiswe nguFannie Mae okanye uFreddie Mac
- Kwakunjalo noFannie okanye uFreddie ngomhla okanye phambi koMeyi-31, 2009
- Imboleko yakho ukuxabisa umlinganiselo ungaphezu kwama-80%
- Ukhoyo ngoku kwi-mortgage yakho, kwaye ube wenze iintlawulo zonyaka ophelileyo
Emva koko, fumana ukuba imboleko yakho ibanjwe nguFannie Mae okanye uFreddie Mac.
- Imali mboleko ye Fannie Mae, khangela apha
- Ngetyala likaFreddie Mac, khangela apha