Ngezinye amaxesha amabhanki anikezela imali kubanini bezindlu ngokuchaneka
Iimali ezikhethiweyo akusiyo impendulo kubo bonke abanikazi bezindlu, kodwa ngokuqinisekileyo bayamkela kwabanye. Emva koko, ezimbini zeengxaki ezinkulu zebhanki ezijongene nazo xa uphinda ubuyisela ikhaya kwi-foreclosure yimeko yekhaya kunye nokulahla abahlali bayo. Yingakho ikhefu kwiitshixo kuyisisombululo esheshayo nesilula kwiibhanki ezininzi. Iimali ezikhethiweyo lixesha eligcinwe phantsi kwee-brab kwiibhanki kwiminyaka, kodwa i- subprime mortgageown meltdown ka-2007 - eyabangela ukuba manani amaninzi okugqithiseleyo - anyanzelekile ukuba amabhanki amaninzi aqalise imali ngemigaqo eqhosha njengenkqubo eqhelekileyo .
Yintoni iCash for Keys?
Ingxowa yezihluthulelo yindlela yabanini-mhlaba ekungqatshelweni- okanye abaqeshi abahlala emakhaya athileweyo-ukufumana imali ngokutshintshiselwa ukunikezela izitshixo kunye nokushiya ipropati. Ibhanki ngokubanzi ifinyelela kwisivumelwano kunye nabemi bekhaya eliqingqiweyo, okufuna ukuba ikhaya lihlambuluke kwaye lishiywe kwindawo efanelekileyo. Isivumelwano sibeka ngokuthe ngqo umhla oza kuphuma ngawo ekhaya, kubandakanywa nesithembiso esivela kubahlali abaya kuthi:
- Vandalize ikhaya.
- Bamba indlu yezinto zokukhanya, izixhobo okanye ubhedu.
- Shiya i zi lwanyana .
Kutheni iibhanki zihlawula imali yeeKhowudi
Amabhanki awasekho shishini lokuba neepropati, kodwa xa ibhanki ithola isihloko kwindlu ngokuqhubekayo kwenkqubo , ixanduva layo de lithengisa. Ukuba ibhanki kufuneka ichithe imali yokulungisa umonakalo obangelwa ngabahlali, loo mali iyanda ukulahleka kwebhanki. Inokuhlawula amawaka eedola ukukhupha umninikhaya okanye umqashi kwaye unokuchitha ixesha lokuya enkundleni.
Amabhanki ahlawula phi?
Isixa sithethathethwano. Amabhanki akanikeli ngokuzenzekelayo imali yeengotshixo; umhlali uhlala ekhupha isihloko. Ngokuqhelekileyo, ngamawaka ambalwa. Ukuphuma, ezi ziindleko ezifanelekileyo ongazilindela ukuzifumana:
- Inkokhelo yokhuseleko kwenye indawo, kunye nerenti yokuqala kunye nenyanga yokugqibela.
- Abaqhubi
- Iloliwe yerenti
- Iintlawulo zemali
- Iindawo zokuhlala zesikhashana ezifana ne-motel
Maxa wambi iibhanki zihlawula ibhonasi xa abahlali bevuma ukuphuma ngokukhawuleza. Konke kuxhomekeke kwibhankini kunye nokuzimisela ukusebenza kunye nomhlali. Akufuneki ukuba unike umntu imali kwiitshixo, nangona kunjalo.
Musa ukucela ibhanki ngemali engaphezulu kunokuba ufuna ukufuduka; le nto ingahlawulela, kwaye isibonelelo sinokurhoxiswa . Yiba mnandi, inceba kwaye inengqiqo, kwaye unokufumana imali efunekayo ukuba ushiye kuloo ndawo.
Imali yeeKheyi ngexesha lokuThengiswa okufutshane
Inzuzo ye- HAFA ukuthengiswa okufutshane kwiipropati eziqeshwe ngumqeshi ezisetyenziselwa ukuba ibhanki yentengiso emfutshane ziza kuhlawula umqeshi ukuya kwi-$ 3,000 ekuncediseni ukufuduswa ukuze abambisane nokuthengiswa okufutshane. I-HAFA ivenkile yokuthengisa ayizange ihlawule umnikazi-umnini-mhlaba ongahlali emakhaya imali yokufudukela. Ukutshintshiselana nomqeshi uyavuma ukuvumela ipropati ukuba iboniswe kwaye ushiye ikhaya elihle. Ekupheleni, umqashi ufumana isheke.
Nangona kunjalo, iindaba ezimbi yi-HAFA iphelelwe ngumhla kaDisemba 31, 2016, njengoko kupapashwa.
Ngaba abasebenzi bahlala befumana iCash for Keys?
Iindaba ezimbi ngakumbi zikhona ezimbalwa kunye nezentengiso ezimfutshane njengoko iminyaka iqhubeka. Ukubhengezwa kwangaphambili kungeke kuphinde kuhambe njengoko kubakho abantu abanobuqhetseba okanye abangazifumani ngeengxaki zemali.
Balahlekelwa ngumsebenzi, amava kwimeko yezokwelapha abanako ukukwazi ukuphucula okanye ngakumbi. Abanye abantu balahlekelwa amakhaya abo ngenxa yeengxaki zomlutha okanye ngokuqhawula.
Ngaphandle nje kokuba kukho izibhengezo, abantu baya kuqhubeka befumanisa ngokwezemali kwaye bangakwazi ukuhlangabezana neembopheleleko zabo. Xa oko kwenzeka, kwaye abantu abanakho imali yokushiya isakhiwo baze bahambe kwenye indawo, yilapho iibhanki zihlala zihamba kwaye zinikezela ngemali njengenkuthazo yokushiya ikhaya.
Amabhanki ayimfuneko ukuba anike umhlali naliphi na imali. Yivuyisa gqitha xa benjenjalo.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.