Kakade uya kuthi, kwaye mhlawumbi kungekudala kunokuba ucinge.
Abanye ababolekisi, njengekhadi lesikweleti kunye nabathile bemali bemali , baya kuthatha ithuba kuwe emva kokuba uvela kwi-bankruptcy.
Uya kuhlawula umyinge ophezulu, kwaye loo migaqo ayinakuyithandeka njengokuba uyithandayo, kodwa i- credit itholakale kuninzi lwababolekisi bamandulo.
Akunjalo lula xa uthetha ngento enkulu yetiketi njengendlu. Ababolekisi bemali mboleko kunye nabagadi bamagcisa bafuna ukuqinisekisa ukuba abayi kukhanyela izibonelelo ngokubolekisa umntu ongakulungele uxanduva lomninikhaya. Ngenxa yoko, ngokuqhelekileyo abayi kuvuma iindleko zemali emva kokuba umboleki efumana ukukhutshwa kwe-bankruptcy. Kuya kuba nexesha lokulinda elinokuba lincinane nje ngomnyaka omnye okanye emininzi kwiminyaka emine.
Ngethuba lexesha lokulinda, kufuneka ugcine irekhodi lakho elitsha lokuhlawula iitaliti. Ukuba ungena enkingeni, kufuneka uqalise iwashi. Ngokomzekelo, ukuba imali yakho yokubolekwa ihlawulwe ngonyaka emva kokuba icala lakho lokubhankqalaza likhutshwe, uya kuba nelinye ixesha lokulinda ngaphambi kokuba uvumeleke. Ngaphaya koko, wonke umboleki okanye umgcini-mboleko unesiqulatho sayo.
Hlola iingxelo zakho zeMali
Isinyathelo sakho sokuqala sifanele sihlolisise iingxelo zakho zekhredithi. Unokufumana ikhophi yamahhala yeengxelo zakho rhoqo ngonyaka kwi-www.annualcreditreport.com. Sebenzisa iirekhodi ze-credit ukuze uqinisekise ukuba lakho ityala likhutshwe njengalokhu "kufakwe kwi-bankruptcy." Nawaphi na amakhadi ekhredithi awakhutshwa kodwa angayibonakali, inokulimaza i-credit yakho ngakumbi.
Fumana kuqala
Xa uqinisekile ukuba iingxelo zakho zemali-mboleko zichanekile, cinga ukuba ufanele ukufumana imboleko ngemali mboleko yakho. Ngeemvumba kunye nemivimbo yembali yakho yekhredithi, unokufuneka ukuba unikeze iinkcazo okanye uvelise ubungqina bokuba uphinde wamisa i-credit entle. Oku kungathatha ixesha. I-pre-qualification ingakunceda ekukhuseni okukhulu xa ufumana ikhaya lamaphupha akho.
IiNkqubo eziMdaka kakhulu
Makhe sihlolisise iimfuno ezongezelelweyo oza kudibana nazo ezinye zeenkqubo ezibolekileyo zokuboleka imali kunye nabashuseli.
FHA
I-FHA inezikhokelo ezahlukileyo kwiSahluko 7 nakwiSahluko 13.
Isahluko 7: Ukuba ufaka iSahluko 7 sokuchithwa ngokuchanekileyo kwaye ufumane ukukhutshwa, kuya kufuneka ulinde iminyaka emibini ukususela kumhla wokukhutshwa ngaphambi kokuba ufake isicelo se-FHA mboleko. Kodwa ke ubuncinci. I-FHA ayinikezeli imali ngqo kubathengi. Iqinisekisa ukubolekwa kweebhanki zorhwebo. Ngokuqhelekileyo iibhanki ziya kufaka iziqinisekiso okanye iimfuneko ezincinci ezingaphezulu kunezinto ezifakwe kwi-FHA okanye ezinye i-arhente karhulumente. Iibhanki ezininzi zifuna ukuba ulinde iminyaka emithathu ngaphambi kokufaka isicelo.
Isahluko 13: Iindaba ezilungileyo apha. Kwimeko yeSahluko 13, uza kuhlawula inkundla ukuya kwiminyaka emithathu ukuya kwemihlanu ukuhlawula okanye ukuhlawula ityala lakho.
Awunakuze ulinde kude kube yiminyaka emibini emva kokuba u-bankruptcy afake isicelo. Enyanisweni, akudingeki ulinde ukutsalwa kwebhanki iphelile. Ngethuba nje ukuba wenze iSahluko 13 seentlawulo ngexesha lonyaka, unako ukufumana umboleko we-FHA.
Ngoxa usesikweni seSahluko 13, ubomi bakho bezezimali bulawulwa yinkantolo yebhanki. Nangona uvunyiwe yibhanki yakho kunye ne-FHA, inkundla yebhanki kunye neSahluko 13 i-trustee kuya kufuneka isilinganise ekuqinisekiseni ukuba awuthathi mthwalo omkhulu kunokuba ungayilawula.
Funda kabanzi kwii-FHA Imigaqo-mboleko yeMboleko yabalandelayo emva kokufowulwa kwe-Bankruptcy.
Ulawulo lwabaPhathi
Iimfuneko zexesha le-VA mboleko zifana nezo zifunwa yi-FHA, kodwa ngeehupu ezingaphezulu ukugqithisa ngaphambi kokuvunywa.
Isahluko 7: Iminyaka emibini emva kokuba ufumene iSahluko 7 sokukhutshwa, unokufaka isicelo se-VA mboleko.
Ngelo minyaka mibini, kufuneka uthathe amanyathelo ekuvuseleleni kwakhona i-credit card. Uyacelwa kwakhona ukuba unikeze inkcazo yeSahluko 7 sokungabikho, kunye nokubonisa ukuba ingeniso yakho iyomelele.
Isahluko 13: Umele ubonise unyaka weentlawulo ze-bankruptcy plan ukwenzela ukuba ufanele ukufumana i-mboleko yasekhaya yakwa-VA, kwaye kufuneka ufumane imvume yenkantolo yebhanki.
Nantsi imbonakalo efanelekileyo ye-VA inkqubo yokubolekisa: I-VA imvume yeMboleko emva kwe-Bankruptcy okanye i-Foreclosure.
UFannie, uFreddie, noGinnie
Iimali-mboleko eziqhelekileyo e-US ziphantsi okanye ziqinisekiswe ngamashishini axhaswe nguRhulumente, uFannie Mae, uFreddie Mac, okanye uGinnie Mae. Abaxhasayo banemfuno efanayo yokufaneleka kwemboleko kulabo ababolekayo abafake amacala enkcazo. Ezi zikhokelo. Umboleki wakho wemali mboleko okanye umthengisi wemali-mboleko unokukunceda ngeenkcukacha ezithile.
Ukongeza kwithuba lokulinda, le mibutho idinga ukuba ababoleki bakhombise ukuba baphinde bamisela i-credit emva kokubhankwa.
Isahluko 7: Isikhathi sokulinda sineminyaka engama-4, okanye iminyaka emi-2 kunye neemeko ezinzulu (ngaphandle kolawulo lomboleki). Umzekelo weemeko ezicwangcisayo ziza kutyunjwa kunye nokungabikho kwemisebenzi, okanye imiba yonyango.
Isahluko 13: Ixesha lokulinda liyiminyaka emi-2 ukusuka ekukhutsheni kunye neminyaka emine ukusuka ekuxothweni, okanye kwiminyaka emi-2 ukuxothwa kunye neemeko ezicwangcisiweyo.
Izihlomelo ezininzi zeBhanki
Ukuba unesithuba esingaphezu kweyodwa kule minyaka engama-7 edluleyo, ixesha lokulinda liyiminyaka emi-5 ukusuka ekukhutsheni kwangoko okanye iminyaka emithathu kunye neemeko ezicwangcisiweyo.
Khangela eli phetshana elivela kuFannie Mae: I- Sheetibility Acceptability Sheet .
Kwaye lo ovela kuFreddie Mac: Izikhumbuzi zokuBhala phantsi .
Ezinye iimali eziqhelekileyo
Nangona ubuninzi beemali-mboleko zasekhaya e-United States ziphantsi okanye ziqinisekisiwe ngenye yearhente ezibhalwe apha, kusenokwenzeka ukufumana mboleko kwibhanki yakho yangaphandle ngaphandle kokubandakanyeka kwe-agency. Kuloo meko, umboleki-mali uya kubeka imigaqo yokuboleka imali kubantu abaye bafaka ifowuni ye-bankruptcy okanye babe ne-foreclosure yangaphambili, ukuthengiswa okufutshane, okanye isenzo endaweni yokuchithwa. Uya kufuneka uhlolisise ngamanye amaziko emali.