Abanikazi beeKhaya abaFuna ukuba bahlawule phambili ukunciphisa ukulingana kwemali
Nazi iindawo ezimbini zokufumana ukunciphisa inqununu:
- Inkqubo yokuncitshiswa kwenqununu kaRhulumente
- Inkqubo yokunciphisa inqununu enikezelwa ngumboleki wakho okhoyo
Ngaphezu koko, awudingi ukuhlawula inkampani yokuguqulwa kwemboleko ukufumana ukunciphisa inqununu yakho yokuthenga imali. Uncedo lufumaneka kubanini bezindlu abangaphantsi kwamanzi mahhala ngokusebenzisa inkqubo ye-Home Making yase-Obama.
Khumbula ukuba iinkampani zokubolekisa ngokuqhelekileyo aziyi kunciphisa inani eliyintloko lemali yakho yokubolekwa ngaphandle kokuba ikhaya lakho lixabise ngaphantsi kwemali yakho ekhoyo okanye ezinye iimeko ezilukhulayo.
Isalathiso soMqondiso iNkqubo yokuNcitshiswa kweNqununu yiScam
Akukho mkhosi wamahhala, akukho mali yokuxhaswa kwamahhala kubanini bezindlu, kungakhathaliseki ukuba i-website enefancy ingasithembisa. Nabani na onokubeka iwebhusayithi kwaye enze izithembiso ezingenanto. Musa ukutywala ngeendlela ezilahlekisayo. Ngenxa yokuba uyifumana kwi-intanethi ayithethi ukuba yinyani. Nazi iimpawu ezimbalwa zokulumkisa inkqubo yokunciphisa inqununu ingaba yinto yokuqhayisa:
- Inkampani ayihambelani nebhanki yakho ekhoyo okanye urhulumente.
- Awuboni igama lenkampani.
- Idilesi yenkampani kunye nolwazi lokunxibelelana alufumaneki. Akukho "qhagamshelana nathi" iqhosha ngaphandle kwenani elingenanto.
- Akunamagama ahlukeneyo athathwe njengabanikazi beenkampani okanye ibhodi yabalawuli.
- Amanye amaphepha ewebhu ayinanto okanye ayakhiwa.
- Xa ufinyelela kumntu wenani elingenanto, uziva uxinzelele kwaye udidekile emva koko.
- Awuyiqondi ngokupheleleyo indlela le nkqubo isebenza ngayo. Iinkqubo zokunciphisa eziphambili zilula ukuqonda.
- Uyaqinisekiswa ukuba imboleko yakho ekhoyo iya kuhlawulwa ngokupheleleyo. Akukho nkampani inokuqinisekisa ukuba umboleki wakho okhoyo uya kuthatha inxaxheba kwinkqubo yokunciphisa inqununu. Qaphela iziqinisekiso.
- Uthembise ukuba nayiphi na uhlobo lomboleko kunye nayiphi na imali yemali-mboleko iya kulungelelanisa inkqubo. Abangaphandle abakwazi ukwenza isithembiso ngaphandle kolwazi oluvela kuwe.
- Inkampani yokunciphisa inqununu icela i-deposit ngaphambi okanye inkokhelo ngokutshintshiselana okanye ukuxhaswa ngemali mboleko entsha. Imali yokuqala = iflegi ebomvu enkulu! Ukutshekisha kuphela okufuneka ubhale kuya kuba yiphononongo .
Hlola iNkqubo yokuNciphisa iNqununu
Ukuba unokungabaza ukuba inkqubo yokunciphisa inqununu iyamkeleka, phulaphula imiyalelo yakho. Izilwanyana zakho azisoloko zikhokelela ekukholeni. Nazi ezinye iingcebiso zokukunceda ukuba wazi ukuba inkampani inomthetho:
- Qhagamshelana ne-HUD-Approvedor Counselor yasekhaya. Cofa kwilizwe lakho, faka isixeko sakho uze ubizele i-agency engenzi-nzuzo kwiingcebiso.
- Cwaninga igama lenkampani kwaye ufunde oko abanye bathi inkampani. Mhlawumbi awuyena mntu wokuqala ukuba athathwe. Abantu bakhupha kwi-intanethi ukubika ukuziphatha okuphosakeleyo lonke ixesha.
- Shayela i-arhente yendawo yokuhlala, umthengisi wemboleko, ummeli okanye umthengisi weerhafu othembekileyo kwaye uyamhlonela. Cela loo mntu ukuba ahlole inkampani yokunciphisa inqununu.
Ukuba ufumana ubungqina bokuthi izilwanyana zakho zichanekile, bhengeza inkampani yokunciphisa inqununu kwiziko leNgcaciso yeCandelo leSizwe. Ungaphinde uxele inkampani kwibhunga elilawulayo likarhulumente we-propati kunye ne-Attorney General Jikelele. Nceda ungacingi ukuba ukuthatha amanyathelo angaphezulu ukuchaza ezi nkampani yinkqutyana yokuchitha ngenxa yokuba uncedo lwakho lokuzivala phantsi luya kunceda ukukhusela abanye abantu abangaboniyo.