Musa ukulinda ikhaya elingenamntu ukuba lichithekele ngaphambi kokuba uhlole umgaqo-nkqubo wakho womshuwalense. Inyaniso engaziwayo kukuba ininzi ye- inshorensi yomnini-mali ayinakwandisa ukukhutshwa kwindlu engenazo iintsuku ezingama-30 ukuya kwi-60.
Oku kuthetha ukuba ukuba usuke uhamba ngaphezu kweentsuku ezingama-60 ezedlulileyo, ikhaya lakho alisayi kuba ne-insured, nangona usenokuhlawula i-premium ye-inshorensi yakho. I-verbiage ivame ukushicilelwa kakuhle.
Ukuthengiswa okufutshane okanye ukuHlulwa kwezindlu kunye neeNtshumo
Kwiimeko ezimfutshane zokuthengiswa , iibhanki ziyakuthi zithumele ummeli ovela kwinkampani yokulondoloza ukuchonga ukuba ngaba ikhaya lingenanto. Nangona uvele uhamba esitratweni, aba bantu baya kutshintsha iitshi kwaye baxele iibhanki ukuba ikhaya alikho. Ibhanki inokwenza okanye ingathathi inyhuwalense enzima ukuyifumana kwaye iyabiza ukuqinisekisa ukuba ikhaya elingenamntu. Bathumela i-bill yakho kuwe.
Iintlobo zeNtshontsho
Akuyinto engavamile ukuthintela i- bhokisi yebhokisi phakathi nobusuku kwaye uyithabathele ekhaya ukuze ucofe iqhosha.
Emva koko, amasela angabuyela ekukhanyeni kwemini aze ahambe ngqo emnyango wangaphambili. Bakhupha iloli kwaye ngaphambi kokuba uthi "amapolisa," baye balayisha iloli nazo zonke izixhobo.
Isela alidingeki ukuba liphule ekhaya lidale umonakalo. Isela lingaswayipha, umzekelo, ipaneli yombane ekhoyo kunye neyunithi ye-compressor ye-A / C ngokulula kuba loo nto ihlala ikhona ngaphandle kwendlu, kwinqanaba le-side.
Ngamanye amaxesha abantwana, ngenxa yokuzonwabisa okuphosakeleyo, baya kuphosa iindonga ngeefestile zeglasi ukuze bajonge ikhefu.
Kwezinye iimeko, i-squatters iyaphula kwaye isetye indlu. Ezi azinjani uhlobo lwabantu abazisa itafile kunye nezihlalo kunye nokusebenzisa i-napkins. Zihlala zilala phantsi kwaye ziphose iibhotile ezingenanto zindonga kwiindonga.
Iingcebiso zokufumana i-Inshorensi
Ekubeni uthengisa njengentengiso emfutshane , ndiyifumanisa ukuba ukuthengiswa okufutshane kukulungele ngakumbi kunokugqithisa. Mhlawumbi ufuna ukukhusela umlinganiselo wakho wekredithi okanye uqinisekise ukuba akukho nto yokuchaswa okufakwe kuyo kumarekhodi kawonkewonke. Uzwakala njengomntu onoxanduva. Ngaloo ndlela, ungafuna ukuqala ngegosa lakho le-inshorensi ukufumanisa ukuba ingaba yindleko eninzi yomshuwalense wekhaya.
Ezi ntlawulo ziyahluka ukusuka kwi-2 ukuya kuma-5 isixa somgaqo-nkqubo wakho womshuwalense rhoqo. Umshuwalense wekhaya ongaphantsi unokuthengwa rhoqo ngenyanga. Unokuzibuza ukuba kutheni umgaqo-nkqubo ogqithise indlu engenanto wawuza kuba nexabiso ngaphezu komgaqo-nkqubo oqinisekisa ukuqulethelwa kuwo kodwa oko kungenxa yokuba ukuchithwa kwempahla kunzima kakhulu ukulungisa.
Ngaphezu koko, ukuba ikhaya lakho lichithwa kwaye ibhanki ayiyi kuhlawula ukulungiswa - kwaye iibhanki ezininzi aziyi kuthi - umthengi angenakho imali eyaneleyo yokuthenga ikhaya lakho - ingakumbi nge- FHA mboleko - kwaye ulungise umonakalo.
Iindlela zokuKhuthaza ukutshabalaliswa kwempahla
Abantu abenza izinto ezimbi njengokugqithisela kwelinye ikhaya lomntu bavame ukukhetha indlela yokuncinci. Bafuna ukungena ekhaya elulula kakhulu ukungena kunye nekhaya elibonakala libabiza ukuba liphangwe. Nazi ezinye iindlela zokuphazamisa ukutshabalaliswa komhlaba:
- Beka uphawu lokukhwela phezu kweSayinisi yokuThengisa ethi "NguNyulo kuphela" okanye "Musa ukuphazamisa."
- Yiba nomhlobo okanye umhlobo wesiqhelo kwikhaya lemihla ngemihla uze uthabathe iimeyile kumanyathelo.
- Cela ummelwane ukupaka imoto kwindlela.
- Faka izibane zokhuseleko eziqhutyelwa yinyathelo.
- Hlela isibane kwixesha lokuhamba kunye nokucima ngamaxesha athile ngexesha.
- Sebenzisa i- alamu yokhuseleko .
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.