Ungakusindisa njani ikhaya lakho ukusuka ekungcwatyweni
Abanikazi bezindlu abanethemba lokunqanda ukukhutshwa kwexesha lokuqhelanisa ngokusoloko bekwesaba ukusebenzisana neenkcukacha ezibafumana kwindawo yokuzikhusela. Ukujongana nalao maqiniso kunokudakalisa. Ukuba bacinga emva xa baqala ukuthenga loo ndlu, ukulahlekelwa yindlu mhlawumbi kwakungento engcono kakhulu engqondweni yabo. Bambalwa abanini bezindlu baceba ukungena kwi- foreclosure .
Izizathu zokuvalwa kwangaphambili
Ngaphandle kwalabo bathatha inxaxheba ekukhwabaneni kwekhredithi - ngenjongo yokungalokothi bathathe intlawulo enye - abaninzi abaninikhaya bajongene neemeko ezixakekayo ngokukhawuleza ezibangela ukuba bayeke ukwenza ukuhlawulwa kweempahla zesikhashana .
Nazi ezimbalwa zezizathu:
- Ukulahlekelwa yintsebenzo / ukungasebenzi okungalindelekanga
- Ukugula ngokukhawuleza okanye ukongezwa kwezonyango
- Ukufa kwintsapho
- Ukwahlukana / ukulahlekelwa kwemali yesibini
- Iimbopheleleko zetyala
- Ukunyamezela uYobhi okanye ukunyuswa kokunyusa
- Ukungakwazi ukuhlawula umlinganiselo wenzalo olungiswayo owandayo
- Iindleko ezinkulu zokugcinwa kwezindlu ezingalindelekanga
- Iintlawulo zeBhalon ngenxa
Iindlela zokumisa ukuchithwa
Indlela engcono yokumisa ukucima kwinqanaba laseKalifornia, umzekelo, kukuthintela ukufakwa kweSaziso soPhezulu . Ndiyichaza eli lizwe kuba abantu abayizigidi ezingama-35 abahlala eCalifornia naseCalifornia lizwe lenkolo yendawo yokuhlala. Ababoleki abanqweneli ukubeka ingqungquthela kodwa baya kufakela iSaziso soPhezulu ukukhusela iimfuno zabo, ukuba kuyimfuneko. Ukuba uyazi ukuba akunakwenzeka ukuba uhlangabezane nomsebenzi wakho wokubolekwa kwempahla, into yokuqala kufuneka uyenze ukubiza umnini-mboleko wakho.
Musa ukuyibeka, uhlazeke okanye ungayithobeli iileta ezivela kumboleki wakho ngenxa yokuba ezo mpendulo ziya kwenza imeko ibe yimbi ngakumbi, ingcono.
Ngokuxhomekeka kwiimeko zakho kunye neemeko zobunzima, nakhu okukhethwa kukho ukulungiswa kwemboleko mboleko wakho unokukuphakamisa:
- Ixesha lokwenza iintlawulo zakho.
Ababolekisi bangavuma ukuba balinde ngaphambi kokuba bathathe isenzo somthetho kuwe kwaye bakuvumele ukuba usebenze isicwangciso sokubuyisela esithengekayo kuwe. Oku kubizwa ukunyamezela.
- Ukuxolela intlawulo.
Ukuba unokuvuma ngendlela oya kuba ngayo emva kokuba ulahlekile intlawulo okanye ezimbini (ngaphandle kwendlela yokuyibuyisela yona), umboleki-mali angakunika ukuphuka kwaye akhuphe uxanduva lwakho. Oku kubizwa ngokuba ngumxolelwane wetyala, kwaye akunqabile. - Ukusabalalisa iintlawulo ezingekho phantsi kwexesha elide.
Umzekelo, ukuba inkokhelo yakho, yithi, i-$ 1,200 ngenyanga, umbolekisi angakuvumela ukuba ungeze i-$ 100 ngenyanga ukuya kwintlawulo nganye yonyaka kude ufumaneke. Oku kuthiwa isicwangciso sokubuyisela. - Ukutshintsha imiqathango yemboleko yakho.
Ukuba umboleko wakho ngumboleko oguqulwayo , umboleki-mali angashenxisa inzala ngaphambi kokunyuka okanye utshintshe izinga lesenzalo kwizinga eliphezulu lokulawula . Umboleki-mali anganokwandisa ixesha lokubanjiswa kwemali . Oku kubizwa ngokuthi ukuguqulwa kwenqaku. - Yongeza iintlawulo zembuyiselo kwi-balance balance.
Ukuba unako ukulingana okwaneleyo kwaye uhlangabezane nezikhokelo zokubolekisa umboleki, umboleki-mali angakwandisa ibhalansi yakho yemali-mboleko ukufaka iintlawulo zembuyiselo kunye nokuhlawula imali. Oku kuthiwa ukuhlaziywa . - Yenza i mboleko ehlukile kuwe.
Ezinye iimali-mboleko zikaRhulumente ziqulethe izibonelelo ezivumela ukuba ababolekayo abahlangabezana nemigqaliselo ethile bayayifumana enye imali mboleko, eya kuhlawula iintlawulo ezingekho phantsi. Oku kuthiwa ibango elincinane.
Iindlela zokumisa ukuchithwa
Xa umnini-mboleko efayile iSaziso soPhezulu, ukhetho lwakho aluphelelanga. Yingakho kungcono ukuba ubize umnini-mboleko wakho ngaphambi kokuwa emva kweentlawulo zakho kuba ababolekisi bahlala bexhala ukusebenzela iishedyuli zokubuyisela emva kokuqalisa ukuqhubela phambili.
Uya kunikwa ixesha elithile lokuzisa iintlawulo ezikhoyo ngoku, ukuhlawula iindleko zokufakela ukuchithwa nokuyeka ukuchithwa. Oku kuthiwa ukubuyiswa kwemboleko yakho. Ukuba awukwazi ukwenza iintlawulo ezingekhoyo kwaye umnini-mboleko akayi kusebenza nawe, nantsi ezinye iindlela zokukhetha ukuyeka ukuvalwa kwezinto:
- Thengisa Ikhaya Lakho. Udliwano -ntsebenziswano lwama- intanethi ukufumana uluvo lwexabiso lemarike kunye ne- DOM ephakathi ukuthengisa ikhaya lakho. Unokulingwa ukuba uqeshe umthengisi wezaphulelo , kodwa abathengisi abaninzi banomuva wokuba badinga ukutyalwa kunye nokuthengiswa kwabanikezeli beenkonzo . Thelekisa zombini ukucacisa okokugqibeleleyo okuhlangabezana neemfuno zakho kunye nexesha.
Cinga ngokuthengiswa okufutshane. Ukuba ikhaya lakho lixabisa ngaphantsi kwexabiso olinayo, unokuba ngumgqatswa wokuthengisa okufutshane . Ukuthengiswa okufutshane kukuchaphazela inkokhelo kodwa akuyona into embi njengembonakalo. Wena okanye i-arhente yakho kuyakufuneka uxoxisane kunye nomboleki wakho ukufumanisa ukuba umboleki uya kubambisana ngokuthengisa okufutshane . Oku kubizwa ngokuba yi-pre-foreclosure ekhutshiwe.
Tyikitya I-Deed-in-Lieu of Foreclosure Oku kubizwa ngokuba yikhaya elibuyela kumboleki. Umnini-mali unikela umnini-mboleko isenzo esilungiselelwe kwaye saqulunqwa kakuhle, kwaye umnini-mboleko uthethelela umboleko wempahla, ngokufanelekileyo ukucima isenzo sokuqhawula. Ababoleki bandixelela ukuba izenzo-kwindawo-indawo yokuchithwa kwemali zithintela i-credit efana ne-foreclosure.
Ixesha elifutshane leRhafu . Umboleki angasebenzisa ilungiselelo apho umninikhaya angahlala ekhaya aze afumane indawo yokungena kuyo. Abanikazi ngokungafanelekanga baxoxisane nelungelo lokugcina indawo yokuhlala, bebhikisana ukuba ukuba umboleki-mali ulandelele ekugqibeleni, umnini uya kuhlala enelungelo lokufumana loo mali ngexesha le nkqubo
Cinga i-Bankruptcy. Inyathelo elisemthethweni elinjalo ukutshatyalaliswa kungayeka zonke izenzo zokuqhawula. Shaza ugqwetha elithile ngokukhethekileyo ekufakeni i-bankruptcy kwaye ucele ingcaciso ecacileyo yazo zonke iinketho zakho, iindleko kunye nexesha elibandakanyekayo. Ayinakuyeka ngonaphakade unyathelo lokuqhawula kodwa luyakwazi ukuluyeka.
Ngethuba lokubhala, u-Elizabeth Weintraub, Cal BRE # 00697006, ungumhlobo we-broker kuLyon Real Estate eSigramento.