Imbalwa Imali-mboleko yakwa-VA iya kwi-Foreclosure
Akukho zinto eziqinisekileyo kwiinkampani zemali. Into eqinisekileyo kuphela ukuba wenza imali yakho yokuhlawula imali, uhlala. Ukuba awukwazi, awuyi kuba. Kodwa iimali-mboleko ze-VA zithetha ngokusondeleyo njengoko ababolekayo bafumana ukukhuselwa ngokuthe ngqo kwimeko yokungagqibekanga.
Ekuvukeni kwe- subprime mortgageown , iimali-mboleko ezixhaswe yiSebe leeMantshi ziqhubeka nokubonelela ngamatriki ngendlela ekhuselekileyo yokuxhasa imali yokuthenga indlu.
Ezi mboleko zendleko eziphantsi ziza kunye nenkqubo engabonakaliyo yenkqubo yokubhala phantsi eyayikunceda ukukhusela amaqhawe kunye neentsapho zabo kwiintshukumo zokungagqibekanga kunye nokuchithwa .
VA Ukuqulunqwa kweeRhafu
Enyanisweni, i-VA mboleko inexabiso eliphantsi kakhulu lokuchithwa kwayo nayiphina imveliso enkulu ebolekileyo, ngokutsho kwedatha yakutshanje evela kuMbutho weBhanki Bankers. Nantsi i-snapshot yemilinganiselo yokuqhaqhafaza ngekota yesine ka-2009:
- Ukuhlawulwa kwemali mboleko ye-Subprime: 15.58%
- Ukuhlawulwa kwemali-mboleko ye-FHA: 3.57%
- Ukuhlawulwa kwemali-mboleko yokuqala: 3.31%
- VA loan foreclosures: 2.46%
Naphezu kwempumelelo ebusweni bokungena, i-mboleko mboleko kunye nee-veterans ze-VA azizange zithintele ngokupheleleyo kwiintlungu zezoqoqosho kwiminyaka emibini edluleyo. Nangona kunjalo, iSebe leeMfazwe zakwaMatsha liye lasebenza ngokuqhubekayo ukugcina amagosa kunye namalungu enkonzo asebenzayo ekulahlekeleni amakhaya abo.
Ukuphepha ukuKhankanywa kwe-VA Imali
I-arhente ikhuthaza abantu basekuhlaleni ukuba baxhamle ngokukhawuleza abaxhamli babo kwaye bahlolisise iindlela zokuthintela ukuvalwa.
Abanikezeli bemali-mboleko banokukwazi ukubonelela ngezilwanyana zezilwanyana ngeyona enye okanye ngaphezulu kwezi zilandelayo:
- Ukunyamezela kwemali
Amanqwanqwa angafumana ixesha elide lokubuyisela uxanduva. - Ukutshintshwa kwemali
Ababolekisi baqhotyoshela iintlawulo ezigqithisiweyo kwi-balance balance kwaye baqale ishedyuli entsha yokuhlawula. - Irejimenti yentlawulo
Abahlaseli beemfazwe bahlawula isahlulo seentlawulo ezigqithisileyo inyanga nganye kunye nemali yabo rhoqo.
- Ukuthengiswa okufutshane
Ababolekisi banokuvumela iinqwelisi ukuba zithengise ikhaya labo ngaphantsi kwabanini bezindlu. - I-Deed-in-Lieu of Foreclosure
Esikhundleni sokungena kwi-foreclosure, i-veterans ingayenza loo ndawo kwi-servicer mboleko. Uninzi lwababolekisi banokuthi baphephe iindleko kunye neentloko eziza kunye nokuzama ukukhankanya kwangaphambili kwipropati.
Uncedo lwababoleki baka-VA kwi-default
Amanqatha abaye ahlambela kwi-VA mboleko yasekhaya angasebenzisa uncedo olunikezelwa ngumbutho ukulungiselela ukulungisa ingxaki. Ababolekisi be-VA banokufuna uncedo kwiingcali kwiziko elinesibhozo zeeNgxowa-mali zeeNgingqi kunye namaziko eenkonzo ezimbini ezikhethekileyo. Ukufumana indawo ekukufutshane nawe, fowuni 877-827-3702.
Abanye abantu basekuhlaleni banokukwazi ukufumana ukukhuselwa ngokungazenzisiyo phantsi koMthetho weeNkonzo zoLuntu, okanye i-SCRA. Abadlali beemfuno ze-veterans banokufumana umyinge we-interest ongezantsi ukuya kunyaka owodwa baze bagwebe ukukhutshwa okanye ukukhutshwa kwiinyanga ezili-9 ukusuka kwinkonzo yabo yempi.
Amanqatha aMa-non-VA
Ngokucacileyo, i-VA iyanqunyulwa kwinto engayenzayo ukungenelela xa abadlali be-anti-retirement bengenayo inkxaso. Amanqwanqwa angaba nako ukulungiswa kwemboleko yabo yesiqhelo ekhoyo kwi-VA loan to 100% yexabiso lepropati.
Amanqwanqwa angaphinde abuyele kwi-HOPE NOW Alliance ukuze uncede. Eli qela labacebisi, iinkampani zokubolekisa, kunye nezinye iingcali zinikeza ukufikelela, ukucebisa kunye noncedo kubaphathi bezindlu abanomdla wokuhlala. Shayela u-1-888-995-4673 okanye tyelela i-www.hopenow.com.