Imoto iyimfuneko kubantu abaninzi - musa ukuyilahleka xa ufaka i-bankruptcy
Kuhamba ngaphandle kokuthi ngoko abaninzi abantu abafake iifayile zokufakela i-bankruptcy bafuna ukugcina iimoto zabo. Emva kokufakela iSahluko 7 sokuchithwa, kukho iindlela ezintathu eziphambili zokugcina isithuthi sakho.
Isiqinisekiso sokuqinisekisa
Inketho yakho yokuqala kukungena kwisivumelwano sokuqinisekisa kunye nomthengisi wakho wemoto. Ukuba yakho imoto yakho ikhululekile kwaye icacile, olu khetho alusebenzi kuwe. Isivumelwano sokuqinisekisa sithi uthetha isivumelwano sokuthatha ityala elihambelana nemboleko yakho yemoto, nangona ukukhutshwa kwebhanki . Oku kuthetha ukuba xa ungekho phantsi kwemboleko yemoto emva kokungena kwisivumelwano sokuqinisekisa, umboleki-mali unokuzibuyisela imoto kwaye akugwebe ngesigwebo esilahlekileyo .
Xhumana nomthengisi wemoto yakho ukuba ufuna ukulandela isivumelwano sokuqinisekisa. Isivumelwano sokuqinisekisa kufuneka sivunywe yinkantolo yebhanki. Inkundla ezininzi zebhanki zithatha isikhundla sokuba ukuqinisekiswa akufanele kuvunywe ukuba umboleki-mali akayi kunciphisa inzala okanye inqununu yemali mboleko.
Isizathu sokuKhusela
Kananjalo unakho ukhetho lokuthenga imoto yakho ngqo kwi-lender yakho kwixabiso lokuthengiswa kweemoto ngexesha lakho lokubhankanya lifakwe.
Oku kunokuba yinto efanelekileyo ukuba ixabiso lemoto yakho liphantsi kakhulu kunani lemali-mboleko yakho. Ukufanelekela ukuhlengwa, imoto kufuneka isetyenziselwe umntu, usapho okanye usekhaya. Kufuneka uhlawule imoto ngemali enye yentlawulo.
Kumele ufake ifowuni yokukhusela kunye nenkundla ye-bankruptcy, ngokwemigaqo yayo yenkqubo, kuquka ukuhambisa isikhalazo kumthengisi wakho wemoto.
Kufuneka unikezele ubungqina kwinkundla yexabiso langokungathengisa imoto. Ukuba inkundla iyavuma, iya kunika isikhalazo sakho kwaye iyalela umthengisi wemoto ukuba amkele imali yokuhlawula imali. Emva kokuhlawula, umboleki-mali uya kudlulisela isihloko, sikhululekile kwaye sicace, kuwe. Ukufakela isindululo kunokuba nzima kwaye ndiyakuthetha ukuba udibane nommeli webhanki ukuba ucinga ngale ndlela.
Hlawula kunye neDrayivu
Ukuhlawula nokuqhuba i-option yinto engekho ngokusemthethweni kwakhona, ubuncinane ngezobuchwepheshe. Olu khetho luye lwasuswa kunye neenguqulelo kwiKhowudi ye- Bankruptcy ngo-2005, nangona kunjalo, isebenza ngabantu abaninzi. Ukuba awuyikukhulula imoto yakho okanye ungene kwisivumelwano sokuqinisekisa, ungaqhubeka nokuhlawula imali yakho ngenyanga. Nangona kunjalo, ngenxa yokuchithwa kwe- bankruptcy , awukho mfuneko yokuba wenze njalo. Ngenxa yoko, kwaye emva kokuba ufumene ukukhutshwa kwakho, umboleki-mboleko unakho, ukubuyisela imoto yakho, nangayiphi na ixesha, nokuba uhlawula . Abambalwa ababolekisi baya kwenza oku njengoko banokukhetha ukuhlawula rhoqo kweentlawulo, ngokubhekiselele kwengozi yexabiso eliphantsi kwisithuthi esithengisiwe. Qinisekisa ukuba ugcine iintlawulo zakho zangoku!
I-Free Free kwaye icacise
Ukuba unayo isithuthi sakho sikhululekile kwaye sicacise naziphi na izibophelelo, kufuneka uqiniseke ukuba ukhusela imoto yakho kumphathiswa we-bankruptcy .
Oku kudinga ukucela ukukhululwa kwiShedyuli C ukukhupha ixabiso lemoto. Nayiphi na inzuzo yemoto ongayibanga ukuba uyayixolelwa, umphathiswa angafuna ngokuthengisa imoto yakho, kwaye ukuhlawula isabelo sakho. Nangona uza kufumana inkokhelo evela kwi-trustee, uya kulahlwa yithuthi yakho.