Ukuba uthe wafaka umboleko we- FHA , unganakho ukulingana kwangempela ekhaya lakho, okwenza kube nzima ukuthengisa ngexesha elizayo. Ukongezelela, ukuba uthabathe umgca wokulinganisa ikhaya , ulunge ngakumbi nakweemboleko ezimbini ezibophelelwe kwikhaya lakho. Funda emine imibuzo ofuna ukuzibuza yona xa ufumana phantsi kwamanzi kwi-mortgage yakho.
Ngaba Uya kuba nexesha lokuvumela ukuthenga iMarike?
Okokuqala, kufuneka uqwalasele imeko yakho yangoku kwaye nokuba awuyikukhathazeka malunga nokuba unetyala elingaphezu kwekhaya lakho okwangoku. Ukuba unesimo apho ungaqhubeka nokuhlala ekhaya lakho, kwaye unako ukuqhubeka nokuhlawula iintlawulo zakho zenyanga, ngoko kuya kuba ngcono ukuba ulindele nje imeko ekhoyo. Oku kuthetha ukuba awuyi kuthutha, kwaye ekugqibeleni i-mortgage yakho iya kulingana nexabiso lekhaya. Oku kuya kwenzeka ngeendlela ezimbini; Iintlawulo zakho zangoku ziza kunciphisa inani olihlawulwayo, ngelixa ngexesha elifanayo.
Ixabiso lekhaya lakho kufuneka libuye kwaye liqale ukuphakama. Nangona oku kwenzeka, ikhaya lakho linga kuthatha iminyaka emininzi ukufikelela kwixabiso lento owayihlawula ngayo ekuqaleni. Ukuba ungowona mcimbi kukulungele ukujonga umfanekiso wexesha elide kwaye uqaphele ukuba awuyi kuhlala uphantsi kwamanzi kwi-mortgage yakho.
Ngaba Unayo Ixesha Elinzima Ukwenza Iintlawulo Zakho?
Ukuba unesimo apho ungasakwazi ukufumana iintlawulo kwikhaya lakho, kuya kufuneka uthathe indlela eyahlukileyo kwimeko. Into yokuqala okufuneka uyenze kukuba ukhangele ukuba ufanelekile enye yezinto zokulungisa izinto ezifumanekayo kwiinkampani zakho zokuthenga imali. Iinkampani ezininzi zokubambisa imali ziyanqwenela ukulungiswa xa zibona unetyala elingaphezu kwekhaya lakho elifanelekileyo. Nangona kunjalo, urhulumente usemisele iinkqubo onokuzifumana ukuze wenze kube lula ukuhlaziya. Nangona ungeke ukwazi ukusula imali oyenzayo, unokufumana inzala engcono kunye nokuvuselela imali mboleko ukuze ukwazi ukuhlawula intlawulo yakho yenyanga. Qinisekisa ukuba ufumana umboleko nge-APR echanekileyo ukukhusela izinga lomyinge ukusuka ekunyuseni nasekunyuseni intlawulo yakho yenyanga.
Ngaba uzama ukuthengisa ikhaya lakho?
Ukuba unesimo apho kufuneka uthengise khona, ngenxa yokuba uhamba okanye ngenxa yokuba awukwazi ukukwazi ukuhlawula ikhaya, nangona uhlawulelo oluhlaziyiweyo, kufuneka uqwalasele iinketho zakho. Okokuqala kukuqwalasela ukuthengisa okufutshane kwikhaya. Yilapho usebenza nebhanki ukwamukela imali encinane kunokuba umboleko ufanelekile ukuze uthengise ikhaya.
Iibhanki ezininzi ziya kusebenza nawe ukuba sele usele emva kweentlawulo okanye ukuba usondele ekungeneni. Ezinye iibhanki ziya kuxolela umehluko phakathi kwentengo yokuthengisa kunye nemali omele. Abanye banokufuna ukuba uvumele ukuhlawula umahluko ngokuthatha imali ebolekileyo. Kubalulekile ukuqwalasela ezinye iindlela zokusasazeka, ngakumbi ukuba awukwazi ukuthengisa ikhaya lakho ngoku .
Ngaba i-Foreclosure yakho Iyindlela Enhle?
Enye inketho kukungena kwi-foreclosure. Oku kuthetha ukuba uhamba ukusuka ekhaya uze uphendule kwibhankini. Ukuba ulahlekelwa iintlawulo, ke ibhanki inokubeka ekuzicwangciseni ngokuzenzekelayo. Unokuqhagamshelana neebhanki yakho kwaye ubazise ukuba unika ikhaya. Ibhanki inokuza emva kwakho kwaye icele ukuba uhlawule umahluko kwizinto abazithengise ngazo ikhaya kunye nento obenetyala kwi-mortgage.
Olu khetho luya kulimaza ikhredithi yakho kakhulu, kwaye kufuneka ibe yinto yokugqibela, qiniseka ukuba uyayiqwalasela yonke into eya kuguqulwa.
Nangona kunokukhathazeka, kuya kufuneka udibanise nebhanki yakho njengoko wenza isigqibo malunga nokuzama ukwenza ukuthengiswa okufutshane okanye ukuvumela ikhaya lakho lingene kwi-foreclosure. Oku kuya kukuxelela ukuba uzame ukuphumeza isisombululo kwaye awuzange ushiye nje ekhaya.