Abaxhasi baya kunika emva kokuzama okuninzi.
Namhlanje, ndivuyiswa kukuba ibhanki ibonakala iphendule ikona. Ngoxa kusekho iipokethi zokungahambelani, ngokubanzi, iibhanki kunye nenkampani yokuboleka imali kubonakala ngathi yenza umsebenzi othembekileyo wokufumana abathengi babo ngenkqubo ngaphandle kokuxinezeleka okukhulu.
Uninzi lwabaxumi bethu luza kuthi kummandla we- bankruptcy . Ngamanye amaxesha abaqapheli ngamathuba abo okuguqula imali yabo mboleko. Ngamanye amaxesha abuyele kakhulu ngaphambi kokuba azame ukuguqula. Ngamanye amaxesha, iibhanki ziyaqhubeka nokuxhaswa nangona abathengi babo bezama ukuthengisa ipropati, bafumane ukuhlaziywa, okanye baqalise inkqubo yokuguqulwa. Sifaka i-case bankruptcy ukuba sisebenzise ngokuzenzekelayo , i-injunction eyenzelwe ukuyekisa oku kulandelwa kunye nezinye izenzo zokuqokelela, banike abantu abanetyala (yiloo nto esiyibiza ngabantu abafakela iifayile zokubhankqalaza) indawo encinci yokuphefumla, kunye nokuphelisa konke okanye konke lonke ityala labo ngeSahluko 7 , okanye bawabeke kwisicwangciso sokubuyisela kwimeko yeSahluko 13 esiya kujongana neemali ezihlawulwayo kuphela kodwa nezinye iimbopheleleko.
Inkqubo yokuguqulwa komthetho ibizwa ngokuba yiProgram ye-Mortgage Affordable Programme okanye i-HAMP. Kule nqaku, siza kujonga oko i-HAMP inokuyenza, kwaye isebenza njani kwimeko yokwenza i-bankruptcy.
Ngoko Yintoni eyahlukileyo phakathi kweRhafu kunye neNguqulelo yeMboleko?
Ukuba udinga imigaqo emitsha okanye indlela yokwenza ikhaya lakho lifikeleleke, unokukhetha ezimbini: ukulungiswa okanye ukuguqula.
Ukuhlengahlengiswa kufaka indawo yemboleko emdala kunye neyomnye. Ngokuqhelekileyo, ukuhlaziywa kwenzelwe ukunciphisa izinga lomyinge okanye ukutshintsha imiqathango encinci, njengezinga lokuguqula, kwiimpawu ezilungileyo. Iyakwazi ukufezekiswa ngumthengisi wamanje okanye umboleki omtsha. Kudinga ukuba umntu obolekayo abe ngetyala kunye nokuba ixabiso lepropati alizange lidibanise ukwenzela ukuba umbolekiso ungaphantsi kwamanzi (umbolekisi uhlawulwa ngaphezu kwepropati.
Utshintsho olushintsha imigaqo yomboleko okhoyo. Ayifuni inqanaba elifanayo lokuthengwa kwemali-mboleko ukuba ukulungiswa kwemali kuyenzayo, nangona umntu obolekayo kufuneka abonise ukuba uya kuba nenzuzo eyaneleyo yokwenza iintlawulo. Enyanisweni, inkqubo yokuguqulwa kwemboleko yenzelwe ukunceda abanini bezindlu abaye bafumana uhlobo oluthile lokuguqula imali. Inokuthi isigxina okanye ingenokwethutyana ukuba kukho isizathu esithile sokukrokra ukuba iimeko zeboleki ziya kutshintsha. Kukho rhoqo ukulungelelaniswa kwimeko enokuthi umbolekisi angathanda ukwenza ntoni ukuboleka imali leyo, kodwa izinga lomdla liza kuba liphezulu kunokuba umboleki angene ekuhlaziyweni.
Ngaba Usenokufumana Ukuguqulwa Kwempahla Ngenkcitho Kwimeko yokuCima?
Ewe. Enyanisweni, abaninzi abathengi bam baye baguqula ngempumelelo imali yabo mboleko kwaye baphuma kwi-bankruptcy ngamatyala ambalwa kunye ne-mortgage-to-date-mortgage date.
Ngubani onokufanisa ukulungiswa kwemali?
Oku kuxhomekeke kwi-servicer yakho kwaye ingaba umboleko wakho unabhanki, inkampani yokubolekisa, okanye iqumrhu elinjengeFannie Mae okanye uFreddie Mac. Ngamnye unemfuno kunye nemigqaliselo. Kodwa ngokubanzi, uya kufaneleka ukuba ngaba
- Uchitha imali engaphezulu kwe-31% yengeniso yenyanga ngenyanga kwiindleko zendlu (intlawulo yokuboleka imali, intlawulo yinshurensi, irhafu yepropati, ii-homeowners association associations).
- Ngaphandle koko awufanelekanga ukuhlaziywa kwemali.
- Unobungcali okanye unobungozi bokungagqibekanga ngenxa yenguqu kwiimeko zezimali.
- Ixabiso lezindlu liye lahla, kwaye unetyala elingaphezu kwendlu.
Ukuguqulwa kwe-HAMP kungasetyenziselwa ukuguqula imali mboleko kwiindawo zokuhlala eziphambili kunye neendawo ezithile zokuqashisa.
Yintoni Ukuguqulwa kweMpahla yokuThengisa?
Isicelo
Okokuqala yisicelo. Abaninzi ababolekayo baya kufuna ubungqina bemivuzo ukuze baqinisekise ukuba umboleki ubuncinane unomvuzo omncinci wokwenza iintlawulo eziguquliwe. Abaninzi ababolekisi baya kufuna kwakhona ingxelo yengxelo yemboleko, nangona kungekho ncinane okanye amanqaku amaninzi afunekayo. Oku kuvame ukucacisa ukuba unjani umbolekayo obolekayo enyangeni nganye.
Iintlawulo zokuTyala
Okwesibini lixesha lokuvavanya. Emva kokuba zonke iimaphepha ziphelile, kwaye umboleki-mboleko unquma ukuba umntu obolekayo uya kufezekisa iimfuno zayo ezincinci, umboleki uya kunikwa ithuba lokwenza uluhlu lweentlawulo zezilingo. Iintlawulo ezintathu ziba nenani ndilibona rhoqo.
Xa iintlawulo zetyala zenziwe ngempumelelo, umnini-mboleko uza kwenza isigqibo sokugqibela ngokuguqulwa nokunikezela ukuguqulwa komboleki.
Ziziphi Iimiselo Zetyala eziya kutshintsha?
Injongo yokuguqulwa kwe-HAMP kukukwenza umbolekisi ufikeleleke kumboleki kwaye ukhusele umboleki ukuba angalahlekelwa nayiphi na into. Umboleki-mali angatshintsha phantse nayiphi na imigaqo yokuhlawula kuquka
- Ukunciphisa izinga lomdla
- Ukuguqula imali mboleko kwizinga elitshintshiweyo kwizinga elimisiweyo
- Ukwandisa ubude, umzekelo ukususela kwiminyaka engama-30 ukuya kuma-40
- Ukongeza imbuyiselo kumva wokugqibela wemboleko
- Cwangcisa ezinye ze nqununu
- Ukuxolela ezinye zeenqununu
Kuthiwani Ngezilungiso kunye neNkcitho?
Xa umntu efaka ifowuni ye-bankruptcy, inkundla ye-bankruptcy ithatha igunya phezu phantse yonke into ethinta imali yefayile. Umboleki (yinto esiyibiza ngomntu ofake i-case bankruptcy) avunyelwe ukuqhubeka nokuthengiswa kwansuku zonke njengokuthenga ukutya kunye nokuhlawula iibhidi zesevisi, izinto esizibiza ngokuthi "ikhosi eqhelekileyo yezoshishino."
Ukuguqulwa kwemali-mboleko "akusikho iklasi eliqhelekileyo loshishino." Ingaba inkundla yebhanki kufuneka ithathe inyathelo lokuvuma ukuguqulwa kuxhomekeke kwinxalenye enkulu nokuba ngaba iCandelo 7 okanye iSahluko 13. Kwimeko yeSahluko 7, esiya kudlalisa iinyanga ezine ukuya kweyesithandathu, abanye ababolekisi baya kubuza umboleki ukuba athole inkundla kuvunywa. KwiSahluko 13, umboleki uhlale efuneka ukuba afumane imvume yesikhala kungakhathaliseki ukuba umboleki uyayidinga okanye ayifuni. Ukuze ufumane imvume yelo nkundla, igqwetha lomboleki liza kufuneka lifake isikhalazo enkundleni.
Kwimeko yeSahluko 13 , umboleki ucebisa icebo lokuhlawula amatyala akhe ngokwenza intlawulo kumphathiswa ohambisa imali efunyenwe kubabolekisi abafake amabango afanelekileyo . Isicwangciso kufuneka sibandakanye iintlobo ezithile zeetyala ezinjengexesha elidlulileyo ngenxa yerhafu yengeniso okanye iimbopheleleko zokuxhasa zasekhaya ezifana nokuxhasa abantwana kunye ne-alimony. Ingabandakanya ukuhlawulwa kweemali ezifunekayo kwenkampani yokuboleka imali kunye netyala eliqinisekileyo njengemoto kunye nezixhobo.
Ngenxa yokuba kuzo zonke iimeko, iirejista zokubolekwa kwemali ziza kubakho kwi-modification, ummeli weetyala uya kufuneka kwakhona afake isikhalazo sokuguqula isicwangciso seSahluko 13 sokuhlawula imali. Ngokuxhomekeke kuyo nayiphi na into enetyala enokuthi iyenze ukuyifeza ngeSahluko 13-ukuhlawula ityala eliphambili njengerhafu yerhafu yentsholongwane okanye ukuxhasa abantwana, okanye ukwenza intlawulo yemoto inokuhlawuleka ngokuyiquka kwisicwangciso seSahluko 13 - umboleki unokugqiba isigqibo sokuba icala leSahluko 13 alisadingeki okanye luncedo. Ngelo xesha, unokuqwalasela ukuba kuya kucetyiswa ukuba uguqule ityala kwelinye phantsi kweSahluko 7, okanye ukulixotha ngokupheleleyo.
Indlela eSebenza ngayo kwiNkundla yokuPhawula
Nasi umzekelo: Masithi umboleki wafaka iSahluko 13 kwaye wafaka i-$ 5,000 kwixesha elidlulileyo ngenxa yokuhlawulwa kwemali. Emva kokuba ityala leSahluko 13 lifakwe, umboleki usebenza ngokuguqulwa kwemboleko kunye nenkampani yakhe yokuboleka imali. Ngexa kwiSahluko 13, uyaqhubeka nokuhlawula kwiSahluko 13, esibandakanya i-$ 5,000 ehlawulwa kwiinkampani zokuboleka.
Makhe sithi unyaka emva kokuba ityala lifakwe, ukuguqulwa kwemali yokuthenga imali kuvunyiwe. Ngaloo xesha, umboleki-mali uhlawule i-$ 1,000 ngokuhlawula kwiSahluko 13 umphathiswa. Ukuguqulwa kwemali mboleko kufaka i-$ 4,000 ehlala ihlawulwe ngenxa yebango lembuyiselo.
Umboleki akafuni ukuba "imali eyongeziweyo" ukuba aye kwinkampani yokuboleka imali, ngoko igqwetha lakhe liya kufuneka lenze izinto ezimbini. Okokuqala, ugqwetha liya kufaka isikhalazo enkundleni yebhanki icela inkundla ukuba ivume ukulungiswa kwemali mboleko. Ngamanye amaxesha isikhalazo kufuneka simiselwe ukuva phambi kwejaji. Ngamanye amaxesha inokuthi ibe kwifayile yexesha elimisiweyo-rhoqo rhoqo iintsuku ezingama-24-ukuvumela nayiphi na inxaxheba ukuba inxamnye nayo. Ukuba akukho nto yenkampani, kwaye imimiselo iyamkeleka kumboleki, kunokwenzeka ukuba ijaji yebhanki iya kuyayivuma. Ukuba iqela lijongene nalo, ukuguqulwa kuya kusetyenziswa ukuvalelwa ukuvumela onke amaqela ukuba afakazele kwaye aphikisane nejaji.
Emva kokuba enikwe umyalelo evela enkundleni ukuvuma ukuguqulwa, kwaye umboleki uyangena kwisivumelwano sokuguqula, lakhe igqwetha liya kucela inkundla ukuba ishintshe imigaqo yesicwangciso sokususa iirejista kwinkampani yokubolekisa. Oku kuya kubandakanya nesindululo. Inkqubo ifana nesicelo sokuguqulwa kwemboleko. Isiphakamiso sisetyenziselwa ukuva, okanye sihlala kwifayile kwithuba elithile ukunika abathengi ithuba lokuba lihlawule kwaye lichase, ukuba lifanelekileyo.
Okanye umboleki unako ukulahla inkqubo yokuguqulwa kwesicwangciso aze afake isikhalazo sokuguqula iSahluko 7 okanye isikhalazo sokuxosha inkundla ngokupheleleyo, kuxhomekeke kuyo nayiphi na into onokuyithenga ngayo imali. Funda ngesofthiwe ye-bankruptcy .