Yiyiphi iNgqungquthela yokuKhokhiswa kweMali yokuTyala?
Kuyinto enkulu enkulu. Okubizwa ngokuba " ukuxhasa ngemali " kuphuma ngee-1970, kunye neentsimbi zeentsimbi. Ukuba umboleki-mali ufumanisa nayiphi na inxalenye yesicelo sakho semali-mboleko, akunakwenzeka kuphela ukuba imali yebhanki ifune ukuhlawulwa ngokukhawuleza kwembolekiso yakho, kodwa unokuhlawula iintlawulo ezintandathu ze-FBI kwaye ufumene i-FBI yokubethela umnyango wakho ngenxa yokuba uya ejele.
Yiyiphi iCommunity Mortgage Scheme Schemes?
I-FBI ichaza ukukhwabanisa kwempahla njengento "nayiphina into ephosakeleyo, ukuchazwa kakubi okanye ukungaphumeleli okuxhaswe ngumgcini- phantsi okanye umboleki-mboleko ukuxhaswa, ukuthenga okanye ukuqinisekisa umboleko".
Nazi imimiselo embalwa yenkqubo yokubolekwa kwemali mboleko:
- Ukukhawulwa okungaxeliweyo: Ukuba uthengisa umthengisi wekhaya ukunika i-wad enkulu yemali okanye ukutshintsha isheke kwitafile yokuvala, uthi, ukuhlawula uphahla olutsha , kwaye ukuba ngaba umboleki-mali engazi malunga nayo - - kuba ayibonakalwanga kwisivumelwano sokuthenga okanye isongezelelo okanye isitatimenti sakho sokuvala sokuqikelela - kukukhwabanisa.
- Imali yesibini yokuthenga imali: Obolekayo ngaphandle kokuhlawula inkokhelo angenza inkohliso yokubolekisa ngemboleko ngokuboleka intlawulo ehlawulekileyo evela kumthengisi ngokutshintshela ukuthengisa umthengisi isithwathwa sesibini esicacileyo , esingagunyazisiyo (okanye iirekhodi emva kokuvala) kwaye ifihliwe kumboleki.
- Ukukhohlisa imali engenayo yengqesho: Imali-mboleko yemali engenayo ethe yangaphambili eyenzelwe abantu abaqeshwe ngabasebenzi abanomvuzo onzima ukuyiqinisekisa, kodwa abanye ababolekileyo abaqeshweyo bafaka ingeniso yabo ngaphezulu nangaphezulu kwe-W-2.
- Umntu ongeyena umnini-mali obiza indawo yokuhlala: Ababoleki banikela ngezinga eliphezulu lemali kunye nemigangatho engabonakaliyo kubahlali abangabanikazi bomhlaba kuba umngcipheko wentengo uphezulu. Ukuba awuhlosi ukuba uphile kwindawo leyo, ungathembisi ukuba uya kuthanda
- Izipho zokuhlawula phantsi, uya kubuyiselwa: Obabini amaqela, umniki-mali, kunye nommkeli, bafaka ubuqhetseba-mboleko ukuba isipho sibuyiselwe. Izipho azikwazi ukuhlawulwa.
- Ixabiso lentengo elithengiweyo: Ukuba unesivumelwano sokuthenga ezimbini kunye nokuthumela isivumelwano esibuxoki kunye nexabiso eliphezulu lokuthengisa kumbolekisi ngethemba lokufumana uvavanyo oluphezulu, kukukhwabanisa.
- Ukukhohlisa imali: Ababolekisi abangathembekiyo abangenayo idiphozi yemali ethembekileyo bangathetha kwisivumelwano sokuthi idiphozithi ihlawulwe ngaphandle kohlwaywa, oko kukukhwabanisa.
Ukukhwabanisa Kwezempahla
Ubungakanani bexesha elichithwe kwi shishini alikho isiqinisekiso sokuba "umcebisi wakho othembekileyo" akayonto. Umthengisi wasePennsylvania oneminyaka engama-30 ubudala emva kokukhwabanisa abantu abangaphezu kwe-800 kwisikimu se-Ponzi , ngandlela-thile wagcina zonke iibhola emoyeni iminyaka engama-20. I-Kansas City, eMissouri, i-appraiser yavuma ityala lokukhwabanisa kwaye yagwetywa iminyaka engama-20 entolongweni, kunye ne-$ 500,000. Iimpawu zenzeka rhoqo imihla.
Amaphephandaba azaliswe ngamabali afanayo.
Ukukhwabanisa Kwempahla e-Sacramento, eCalifornia
Ndikuncede isibini esitshatileyo sithenge indlu eSigramento, CA, eyayiye yangena kwi- foreclosure kwaye, ngengozi, ikhutshwe kwisikimu sokukhwabanisa. Kwakungekho nzima kunzima ukudibanisa kunye nesimo esidlulileyo.
Masithi ekugqibeleni kuthengiswa ngoNovemba nge $ 600,000. I- arhente yokurhweba yayingumthengisi wemboleko engenakho irekhodi elilandelwayo lokuthengiswa kwezindlu. Wayemele umthengi. Nangona andinalo ulwazi oluchanekileyo lokuba umrhwebi wemboleko uthe wayilungiselela imali, kuya kubonakala ngathi, inikwe into yokuba ukulungiswa kwemali-mboleko yayiyinkampani yakhe ephambili.
Ndiza kuqikelela ukuba ndifumene amacala omabini e- estate estate , kunye ne-pocketing points-loan sum sum of more than $ 40,000-ingaba yinto eyimali yokukhwabanisa.
Ikhaya lalisetyenziselwa iinyanga ezine ngaphandle kokunikezelwa kwi $ 550,000, kodwa ngokuzithengiswa kuthengiswa kwii-600,000 zamaRandi -kwiimarike zomthengi xa ixabiso lepropati liwa, lingakhuli. Umthengi akazange ahlale kwipropati ekuvalweni kodwa endaweni yoko wayiqeshisa.
Ukwahlukana kweedola ezingama-50,000 kwafaka iipokotshi zomntu. Oku kungaba ngumthengisi wemboleko , umlingisi, umthengisi, umthengi okanye zonke ezine.
Umthengi uqokelele irenti kwaye akazange enze enye yentlawulo ye-mortgage kwi-100% -engeniso-mboleko enemali engama-600,000. Oku kwakulula ukuyifumana kuba ukuvalwa kukaNovemba kwakuthetha ukuba inkokhelo yokuqala yokuhlawulwa kwemali yahlawulwa ngoJanuwari. Ababoleki ngokulinda balinde ezimbini ukuya kweenyanga ezintathu emva kokuba abolekayo bebenzileyo ngaphambi kokuba bafake iSaziso seMeko .
Ngo-Matshi, iSaziso soMfihlelo safakwa, kwaye indlu yavalwa ngoJuni. Umboleki uthengisa abaqeshi kwaye wabeka ikhaya kwikarhwebo ngoJulayi. Abathengi bam bathenge le ndlu ngo-Agasti malunga nama-400,000.
Ukuba Usola Ukukhwabanisa Kwempahla
Ukuba uthe wenziwa ngutitshala wezoburenxa ocela ukuba ube yinxalenye yesikimu sokukhwabanisa, xela ababenzileyo kwi-FBI. Khumbula, ukuba kuvelakala ukuba kuhle ukuba yinyani, mhlawumbi i-scam. Ngaphezu koko, yazi ukuba ukukhwabanisa kwempahla kulwa nomthetho kunye nolwaphulo-mthetho olutshutshiso. Ukuba ukrokrela ukuba ucelwa ukuba uphule umthetho, ubuncinci, thetha nommeli ohloniphekileyo wezakhiwo okanye igunya lokugunyazisa ilayisenisi kwimeko yakho ngaphambi kokuhambela phambili nezicwangciso zakho.