Indlela yokukhusela imoto yakho kwiSahluko 7 ngokuhlawula ixabiso
Abantu bahlala bexhalabele ukuba xa befakela i-bankruptcy kufuneka banikezele ezinye zeempahla zabo enkundleni ukuba zihlawulwe ukuhlawula abathengi. Enyanisweni, oku kuyenzeka kuphela kwi-1% yamatyala e-bankruptcy. Abanye abantu abanetyala (abantu abafake iifayili) banokukhathazeka ngokuqhubeka nokuhlawula ipropati esebenzayo njengezibambiso kwiimboleko abanetyala. Ngelixa ityala linokuthi likhutshwe kwimeko yecala lokutsalwa, isivumelwano sokukhusela esibambisene nesibophelelo asikhishwa.
Ngako oko, ukuba ufuna ukugcina loo moto, kuya kufuneka uqhubeke nokuhlawula okanye ubuncinane ukuhlawula umboleki-xabiso yemoto.
Xa ufaka iSahluko 7 , ubuncinane ubuncinane ezintathu kwiindlela ojongene ngayo nemboleko yakho yemoto. Unokunikezela imoto yakho kumbolekisi, unokuqinisekisa kwakhona ityala, okanye ungayikhupha ixabiso layo.
Kule nqaku, sithetha ngokukhulula isithuthi ngenani layo. Ukufumana ulwazi oluthe xaxa malunga nokuqinisekisa kwakhona ityala, jonga esi sihloko Yintoni yesivumelwano sokuQinisekisa?
Ukuhlenga = Ukuhlawula ixabiso
Eyona nto, ukukhulula imoto kuthetha ukuhlawula umboleki imali yentengo okanye ibhalansi ephumayo, nayiphi na ephantsi.
Yonke imboleko yemoto iquka izivumelwano ezimbini. Okokuqala, kukho inqaku lesithembiso. Umboleki-mboleko unikela inani lemali kumbolekayo, kwaye umboleki uyavuma ukuyibuyisela.
Emva koko, kukho isivumelwano sokhuseleko. Ukuze kukhange umboleki ukuba abeke imali, umboleki uyavuma ukunika umnini-mboleko inzala yokukhusela kwi-collateral - ngokuqhelekileyo ipropathi umboleki uyathenga ngemali kumboleki.
Ukuba umntu obolekayo akayi kuhlawula, umbolekisi unelungelo lokubuyisela kwakhona kwaye athengise i-collateral ukuze abuyiselwe ubuncinane inxalenye yento ebolekiweyo ngemboleko.
Okona ubuncinci, umboleki-mboleko unokulindela ukubuyisela ixabiso lezithuthi, ngokuthengiswa kwintlawulo okanye ukuhlawulwa ngumboleki.
Kwimeko ye-bankruptcy, umboleki-mali unelungelo lokulindela intlawulo yesithuthi.
Nangona awuzange wenze nto ngelo xesha ngexesha lokubhankqalaza kwaye uxanduva lwakho phantsi kwekhadi lokuthengisa likhutshwe kunye namanye amatyala akho, umbolekisi uya kuba nelungelo lokubuyisela imoto aze ayithengise emva kokuba ityala liphelile.
Ukuba ufuna ukugcina imoto yakho, kufuneka uthathe isinyathelo sokugcina umboleki-mali ekufumaneni imoto yakho. Xa uhlawulela imoto kwi-bankruptcy, uhlawula umboleki okanye ibhalansi ebalaseleyo okanye ixabiso lemoto, nayiphi na encinane.
Oku kuvelakala kakuhle ukuba awunayo imali enkulu kwi sithuthi okanye ukuba uninzi ngaphezu kweemoto, kuyenzeka ukuthenga imali mboleko.
Kodwa, kukho inkulu enkulu yokukhululwa. Ngokuqhelekileyo, kufuneka uhlawule ixabiso kumntu-mboleko kwisamba semali. Uninzi lwabantu abafakela i-bankruptcy abayi kuba nekhefu lokulungele ukukwenza oku kwenzeke.
Ukuxhaswa kweMali kuNcedo
Noko ke, kukho enye indlela. Kwiminyaka embalwa edlulileyo, abanikezeli abakhethekileyo abanjengo-722 Ukuhlawulelwa baye bavela kwi-intanethi yokunikela ngemali yokuhlawulela. Ezi nkampani zenkxaso-mali zihlawula inzala ephezulu, kodwa umboleko omtsha ungakufanele ukuba ukukhululwa kwetyala lokuqala kulondoloze imali phezu koko uza kuhlawula umboleki wangaphambili.
Kukulungele ukuqhagamshelana nabanye ababolekisi, njengemanyano yakho yeebhanki okanye ibhanki apho ugcina khona i-akhawunti yakho ye-deposit, ngakumbi ukuba awukweleta imali engeyiyo ikhutshwe kwi-bankruptcy.
Ukuhlawulelwa akuyona into engavumelekanga, kodwa ngokuqhelekileyo ayifakwanga kwimirhumo emiselweyo ukuba inkokhiso yommeli webhanki. Ummeli uza kucela imali eyongezelelweyo ngenxa yexesha kunye nephepha elibandakanyekayo ekwenzeni kwenzeke. Ukuba ukhethe ukungena kwinkampani yokuxhaswa ngemali, amaninzi amaninzi umboleki omtsha uya kuhlawula imali yentlawulo yommeli eyongezelelweyo, kwakhona.
Indlela Yokukhulula Imoto kwiSahluko 7
- Qinisekisa ukuba imoto yakho ibaluleke kangakanani. Iindawo ezimbini ezifanelekileyo zokujonga ziyiNADA kunye neKelley Blue Book.
- Thelekisa ukubaluleka kwemoto yakho kunye nesixa sakho umboleki uthe uhlawulwa. Ukuba ixabiso lincinci kakhulu, kunokufaneleka ixesha lakho ukuhlawula ixabiso okanye ukufaka isicelo sokufumana imali yokuhlawulela.
- Thetha kunye nommeli wakho webhanki malunga nokuba uyakwazi yini ukukhusela isithuthi sakho.
- Igqwetha lakho lingancoma inkampani yokuxhaswa ngemali. Unokufumana iinkcukacha ezininzi nge-intanethi ngokufuna "imali yokuhlengwa" okanye ukuxhaswa ngemali ". Abadlali ababini bezona zinkulu kakhulu kwiimarike zi-722Redemption.com kunye ne-FreshStartLoans.com.
- Emva kokuba ufake isicelo sokuxhasa imali, igqwetha lakho lingafuneka lenze intetho kunye nomthengisi wangaphambili kwixabiso kunye nemeko yesithuthi sakho.
- Emva kokuba ufikelele kwiimboleko, ummeli wakho uya kulungiselela kwaye afake inkundla kwiNkundla yokuHlawulela. Cofa apha ukuze ube ngumzekelo woMyalelo wokuHlawulela. Ukuhlenga kufuneka kuvunywe yijaji ye-bankruptcy, kodwa kuxhomekeke kwinkqubo yakho yangaphakathi, akumele kubekho imfuneko ukuba uvele enkundleni. Ewe, igqwetha lakho liya kuchaza inkqubo yenkundla yakho ngokubanzi.
- Xa inkundla ivuma ukuhlengahlengiswa, umboleki omtsha uya kuhlawula umboleki omdala (kwaye uya kuhlawula ummeli wakho nayiphi na imali evunyelweneyo yokusingatha ukuhlengwa). Omdala umboleki uya kukhupha i-lien yasekudala, kwaye ngoku uya kuba noxanduva lobolekisi abatsha kwimboleko yakho entsha.
Ekubeni umboleko omtsha wenziwa emva kokuba ufake i-bankruptcy, umboleko omtsha awukhiphi kwi-case case. Ukuba ungaphumeleli ukwenza iintlawulo njengoko kuvunyelwene ngazo, umboleki wendleko uya kuba nawo onke amalungelo atholakalayo phantsi kwesivumelwano sokhuseleko kunye phantsi komthetho welizwe ukuba aphinde ahlawule okanye afune ukuhlawula.
Uhlaziywe ngoMashi 2017 nguCarron Nicks