Ukuba ne-foreclosure yangaphambili kunokukwenza kube nzima ukurenta indlu, kodwa akunakwenzeka. Abanini-zimhlaba kwixesha elilandelelwano lwe-post-recession abangekho nje ngokungqongqo njengokuba bekunjalo ngaphambili, ethemba, kuthetha ukuba akufanele ube nexesha elinzima lokuqasha emva kokungena. Landela la macebiso ukuze ufumane irente.
Ukuqeshisa Ngaphambi kokuba i-Foreclosure ikhangele i-Credit yakho
Ngokuxhomekeke kwindlela ukuchithwa kwemisebenzi kusebenza ngayo kwimeko yakho, ukuchithwa kwangoku kungabonakali kwingxelo yakho yemali kwiiveki ezimbalwa.
Ukuba ufaka isicelo sefestile ngaphambi kokuba i-foreclosure ihlaziywe kwingxelo yakho yekhredithi, unethuba elingcono lokufumana imvume. ( Iintlawulo ezizayo ezikhokelela ekugqibeleni kwakho kuya kuqhubeka zibonisa kwingxelo yakho yekhredithi.) Ixesha elibi kunzima kuba abaninzi abantu abaqapheli ukuba ukuvalwa kwexesha kungenakugwetywa kuze kube yenzeke.
Khusela ezinye iiAkhawunti zakho zeMatyala
Gcina umonakalo kwikhredithi yakho ngokuncinci kangangoko kunokwenzeka ngokugcina iintlawulo zonke ezinye i-akhawunti yakho. Unokwazi ukucacisa ukucima i-foreclosure, umzekelo mhlawumbi umyinge wakho wenzala ulungiswe kwaye iintlawulo zakho zenzeke ngokungazelelwe. Akunjalo lula, nangona kunjalo, ukukholisa umninimzi ukuba aqeshe kuwe nge-foreclosure kunye namanye amaninzi. Musa ukuyeka kwi-credit yakho ngenxa yokuba ukugqithiswa kwinkqubo.
Yenza Imali Efanelekileyo
Abanikazi bezindlu ngokubanzi bafuna ukuphepha abaqeshi abanenkathazo abahlala behlawula ngokukhawuleza kwaye ngokukodwa abo kufuneka baxoshwe ekugqibeleni.
Kufuneka wenze imali eyaneleyo yokuhlawula ngokukhawuleza irenti kunye nezinye iindleko zenyanga. Njengomgaqo jikelele wesohlwayo, khangela iipropati kunye nerenti ezingekho ngaphezulu kweethathu ngokufumana imali yakho - $ 800 ukuba ingeniso yakho yenyanga i-$ 2,400 ngomzekelo. Ukuba irenti yakho iphezulu kuneleyo, awukwazi ukufaneleka, nangona ukuba umnini-mhlaba unokuzikhethela ukunqanda ukuchithwa kwakho.
Fumana i-Credit Check Check Apartments
Izakhiwo ezinkulu zezindlu zineenkampani ezinemigangatho yokuvuma ngokuthe ngqo. Uvumelekile ukufumana ityala lokuthenga ngetyala kwizinye zezi ngxaki (kwaye unqatshelwe ukuba unokwenkcenkceshela) ngoko ungavumeli ukuba oku kube yinto yokuqala yokukhetha.
Endaweni yoko, khangela izindlu, ii-condos, i-townhomes, ii-duplex, kunye nezakhiwo ezincinane zendawo yokuhlala eziphantsi komnini womnini. Ezi ntlobo zabanini bezindlu zingenakuncinci ukwenza ukuhlolwa kwekhredithi . Khangela ezi ntlobo zeendawo ezipapashwe kwiphephandaba lendawo, amaqela e-Facebook okurhweba kwindawo yakho, Craigslist okanye ucele abahlobo kunye nosapho ngeziphakamiso.
Ukuhlawula iDistim yokuHlala ePhakamileyo
Intetho zemali. Ukuba unako ukuhlawula idiphozi ephakamileyo yokhuseleko, kunokukunceda ungene kwigumbi. Ukunika umninikhaya wakho idiphozithi ephezulu kubenza bazi ukuba uhlawule ngokuhlawula irenti yakho. Akunjalo kuphela, idiphozithi ephezulu ivumela umninindlu ukuba ahlawule ilahleko xa ugqiba ukuphula isivumelwano sakho ngaphandle kwesaziso. Kodwa, oko akuthethi ukuba unokweqa iinyanga ezimbalwa zokurenta. Usenomthwalo wokuhlawula irenti yakho kwinyanga nganye, ngaphandle kokuba isivumelwano sakho sokuqasha sithetha ngenye indlela.
Fumana i Cosigner
Unokufumana ukuvunyelwa kwipropati, nenye yezindlu ezinkulu zendawo yokuhlala, ukuba unomqashi okanye umgcini-mboleko ohlangabezana neziqinisekiso zemboleko.
Hlalani nikhumbule umxhasi wakho oza kuba noxanduva lwentela engakhokhelwa okanye umonakalo owenziweyo kwirente eziya kuqeshiswa xa uhamba.
Ungathethi Ngokuphathelele Ukuqalwa Kwakho
"Musa ukubuza, musa ukutshilo" ifilosofi efanelekileyo ukulandela xa kuziwa ekuqeshweni emva kokungena. Nangona kunjalo, ukuxoka malunga nalo kuya kukuhlawula irenti. Ukuba ubuzwa ukuba ngaba unakho ukuchithwa, qiniseka. Chaza imeko kwaye ugxininise indlela ojika ngayo imali yakho. Qinisekisa ukuba umninimzi uyaqonda ukuba yintoni eyenza ukugqithiswa akuyi kubangela ukuba ufikelele kwirenti yakho.