Iintlobo ezintathu zeNgqungquthela
Ukuqhaqhaqhawulwa yi-flip side ye- American dream of homeownership . Ingumntu oyingozi kakhulu womninimzi wekhaya kwaye kunokubangela ukutshabalalisa okuqhubekayo nokuphazamiseka kwiimali zomntu. Ukuchithwa kwempahla kunokususa ukulingana kwindlu.
Ingakwazi ukutshabalalisa i-credit yakho iminyaka kwaye ingathetha ukutshatyalalisa intsapho evela kumakhelwane, abahlobo, iintsapho kunye nezikolo.
I-Upside ukuya kwiNgqungquthela
Nangona kunjalo, umtyalo-mali okhaliphile, othembekileyo, ukuthenga iipropati eziqingqiweyo zingaba yintengiso enkulu yehlabathi. Ithemba kukuba zombini amaqela ekuthengisweni kwentengiso ngokufumana ukutshintshwa kwetayitile ngexesha elifanelekileyo-elivelisa utyalo-mali olulungileyo kumtyalo-mali kunye nokwahlula umninikhaya-kwaye kunokuthintela ukulinganiswa kwetyala lomnikazi wekhaya ngaphambi kokuba izinto zibe zibi nakakhulu.
Ukuhlaselwa kweNqabileyo
Ukufumana inzuzo kwizinto ezingenakubalwa akusiyo i-no-brainer abaninzi abanokuyicinga ukuba ibe yimiba ye-mpu melelo nganye, mhlawumbi iindaba ezibuhlungu ezinhlanu. Yonke into yokuthengiswa kwezinto ezikhoyo iquka umngcipheko. Nangona abatyali-mali bezona ziphumo ezintle kakhulu kunokunceda ukunciphisa umngcipheko wabo, abanakukuphelisa ngokupheleleyo.
Iintlobo ezintathu zeNgqungquthela
Kukho iindlela ezintathu zokufumana ipropati ecinezelekileyo , esekelwe apho ipropati ikhona kwinkqubo yokuqhawula.
Amanqanaba amathathu anjengolu hlobo: ukulandelwa kwangaphambili, ukuchithwa kwempahla kunye nokuchithwa kwangaphambili.
- Pre-Foreclosures
Kwinqanaba langaphambili, abatyali-mali baya kukwazi ukwenza okulungileyo kakhulu kumnini-propati ogxininisekile kunye nabo. Ukuqalwa kwangaphambili kwimeko apho umonakalo omkhulu kumlinganiselo wekredithi yomninikhaya unokuhlaziywa kwaye ikhaya lingadluliselwa kwixabiso elivunyelwene ngokubambisana phambi kokuba kudingeke ukuba umthengi abandakanyeke. Eyona nto inokubakhokelela ekufumaneni ipropati kweli nqanaba linokuvela kumagqwetha, i-accountants, i- agents agents , okanye ngabahlobo nabangane. Ubulungisa bokubuyisela kwakhona kufuneka buqwalaselwe.
- Isigaba sokuQala
Kwisigaba esilandelayo, xa isakhiwo sisesigxina sokuqhawula, indlela efanelekileyo yokuchonga indawo enepropati i-ofisi ye-County Clerk. Fumana apho izaziso zokungagqibekanga zifakwe khona kwaye zichonge indlela yokuhlenga kwi-index jikelele ukufumana ukuthengiswa kwe-foreclosure. Ungakwazi kwakhona ukucela ukuba idilesi yakho okanye idilesi ye-imeyile ibekwe uluhlu lwesaziso esandulelayo okanye uludwe lwezinto ezingalindelekanga. Iinkampani zomshuwalense yeso siyakwazi ukuncediswa kule ndawo ngokubonelela ngolwazi olurekhodiweyo ngokutshintshela ukulindela ibhizinisi elizayo.
Inkqubo yokuqhawula iya kuhluka ukusuka kwelinye ilizwe ukuya kwelinye, kuxhomekeke ekubeni ingaba sisihloko okanye imeko ye-link, echaza ukuba ngaba i-foreclosure ifanelekileyo. Ukugwetywa kwangaphambili kwezigwebo ngokubhekiselele kumabhonji, ngaphandle kwezenzo zeetrasti , kwaye kuthatha ixesha elide ukugqiba.
Ukugqithiswa okungekho komgwebo ngokubhekisele kwizenzo zokuthembela apho umntu wesithathu, obizwa ngokuba ngu-trustee, ulawula yonke inkqubo kwimiba yeenyanga ezimbini ukuya kwezine emva kokuba umbolekisi ehlekile kwaye wayeke ukwenza iintlawulo. Xa ipropati idlulayo kwisigaba sokwahlulela okanye esingekho isigwebo, ngoko kulungele ukuthengiswa kwintengiso kumthengi ophezulu.
- Post-Foreclosure
Kwaye ekugqibeleni, kwinqanaba lokuhamba phambili, umbolekisi sele usethathe ulawulo lwepropati. Ikhaya lilo lifa le-REO (i-Real Estate Owner) isebe, okanye ezandleni zomnini omtsha okanye umtyalomali othe wathenge loo propati kwintengiso.
Khangela isaziso sokuqhawula ukucacisa igama loboleki kunye ne-balance balance on the mortgage. Ababolekisi ngokuqhelekileyo abathengisi abazimisele kakhulu ngenxa yokuba i-REO kwiincwadi zibonakaliso olucacileyo lokuba benze isigqibo sokuboleka imali. Bobabini i-overhead kunye nelahleko ezibandakanyekayo kwi-REO-kuboniswe kuzo zombini iindawo zokugcina iimali-mboleko kufuneka zigcine kunye nayo nayiphi na imali enokuphathwa kwepropati eyenziweyo-ithetha ukuba ibhanki mhlawumbi ilungelelanisa .
Ukuba ipropati iphelela ezandleni zomtyalo-mali-bucala, kunokuba unikwe umboleki-mali, usenokwazi ukwenza isibonelelo ngokwakho okanye ngoncedo lwe-arhente yezindlu . Nangona kunjalo, ixabiso ngeli nqanaba lingaze libe ngombala.
Isigqibo esisisiseko sokutsalwa kotyalo-mali sokwenza yilapho ungena khona kwinkqubo yokuqhawula. Kubalulekile ukuba ufumane esinye sezigaba ezintathu ezikhankanywe ngasentla kwaye ube yingcali kule nkqubo ethile, eya kukunceda ukuba uphumelele kakhulu ekubeni ube ngumtyalo-mali osisigxina seepropati ezixinzelelekileyo.