Oko Ukwenza Ukuba Uzifumana KwiNgxaki Yemali Ngekhaya Lakho
Andiyithandi ukuphonsa amanzi abandayo kwiqela lakho, kodwa ndingathanda ukwandisa inqaku lokulumkisa.
Inyaniso kukuba izigidi zabanini-propati ziye zanyuka kwi-foreclosure . Abaninzi bala bantu babecinga ukuba banomdla kwaye banethemba lokuthenga kwabo njengoko wenzayo.
Emva kwakho konke, xa uthenge ikhaya, ingcamango yokuba loo ndlu inokuthi ibe yinto engaphantsi kwento yokuqhawula mhlawumbi into engokugqibela engqondweni yakho.
Ungakuphepha njani lo mngcipheko? Funda kwi.
Kutheni Abaninikhaya bezindlu beLahla izindlu zabo?
Amaninzi amaninzi awela kwi-foreclosure emva kokuba umnini-fayile angenzi - okanye uyeke ukwenza iintlawulo ngokupheleleyo - kwimboleko yabo yokuboleka imali. Oku kwenzeka ntoni?
Ngamanye amaxesha, oku kwenzeka ngenxa yokuba umnini-mthengi othe wongezwa , uthengise ikhaya elingaphezulu kunokuba likwazi ukuthenga. Ngokufanayo, umboleki-mboleko naye wanika umboleki umbolekisi; umntu ongeke anikezelwe umboleko wesikolo eso sikhulu. (Ngaphambi kokunciphisa imali, abaninzi ababolekisi abazange baqinisekise ingeniso yomntu ngaphambi kokuba banikele ngemboleko. Akumangalisi ukuba abaninzi abafake izicelo zemboleko bazenzela ukuba bafumana imali engaphezulu kunokuba benza ngokwenene.)
Ngamanye amaxesha, umnini uyafezekiswa emva kokuba ehluthwe ngechungechunge lweziganeko zobomi ezingalindelekanga, ezifana nokulahlekelwa ngumsebenzi okanye ukujongana neendleko ezinkulu zezokwelapha, ezichaphazela ukukwazi ukuzenza iintlawulo zabo zenyanga.
Kwezinye iimeko, umnini-mhlaba wathatha imali yesibini kwaye wayichitha imali ematyaleni (kunokuba i-assets-generating assets), eyanciphisa umthamo wayo wonke kwaye yawonakalisa ukukwazi ukuyibuyisela kwikota yesibini.
Kwezinye iimeko, umninimkeli uyavuma i -mortgage rate rate , ecinga ukuba baya kukwazi ukufezekisa inkokhelo yokuhlawulwa xa izinga liphakama.
(Umthetho waseburhulumenteni ufuna ukuba umboleki adibanise umyinge omkhulu wenzala umnini angayikhokha phantsi kwemiqathango yerhafu yokulungiswa kwemali.) Umnini unelungelo lokungenisa inzala engaphantsi kwexesha, kodwa xa loo maxabiso ephakama, umnini uyafumanisa ukuba ukudibana neentlawulo kunzima kunokuba bekulindeleke, kwaye ziwela kwimbuyiselo.
Kwaye kwimeko ezininzi, umninikhaya uyazi ukuba "uphantsi kwamanzi" kwi-mortgage yabo (umxholo esiza kuxoxa ngawo ngezantsi) kwaye ugqiba ekubeni ukuhamba kude kukukhetha okukhethekileyo.
Njengoko ubona, zininzi izizathu zokuba abanikazi behla emva kweentlawulo zabo.
Unokuzikhusela Njani?
Akukho mntu uthanda ukucinga malunga nenkqubo yokubhekiswa kwezinto ezinokujamelana nazo. Kodwa kufuneka sibheke kanzima kwiimeko ezinobungozi ezinokusikhokelela ekusongweni kokungcwatywa xa sifuna ukuphuhlisa indlela esomeleleyo, enoxanduva kwimali yethu.
Ukongezelela, kufuneka siyiqonde indlela inkqubo yokukhusela ngayo isebenza ukuze ukuba ikusasa lethu lithintele ngakumbi, siza kuba neengcamango malunga nokuba yikuphi okuza kubeka phambili. Oku kuya kusinceda sazi ezinye iindlela esinokuzikhetha.
Kule nqaku, siza kuqala sihlawule izinto ezinobungozi ezinokubangela ukuchithwa kwempahla uze udibelele kwinkqubo yangempela.
Izingozi Ezikhokelela Ekugqibeleni
Abantu abangaba zigidi ezili-7 balahlekelwa amakhaya abo ngexesha leNkulumbuso enkulu, ngokoMthetho we-CBS News.
Nangona inani lezinto ezenziwe kwangaphambili liye linciphisa ukususela ngoko, abaninzi abanini bezindlu basenkingeni. Ngasekupheleni kuka-2015, malunga nabanikazi bezigidi ezingama-4.3 babengaphantsi kwamanzi, oku kuthetha ukuba umninikhaya unayo ikhaya elixabisa ngaphantsi kwexabiso abanetyala.
Ukuba ngaphantsi kwamanzi kwindlu yakho yinto ebalulekileyo yengozi ebonisa ukuchithwa. Emva kwakho konke, ukuba ikhaya lixabisa ngaphantsi kwe-balance balance, ungagqiba ekubeni kuyenza ingqiqo ukuba uhambe.
Ngaphambi kokuba wenze eso sigqibo, kunjalo, nasi ilizwi lesilumkiso: ukuhamba kude kunempembelelo enkulu kwikhredithi yakho . Inokulimaza ikhono lakho lokuthenga elinye ikhaya kwikamva, kunye nokukwazi kwakho ukuqasha amakhaya, amakhadi e-credit card, ukuboleka kwezinye iintlobo zemali-mboleko, kwaye uvumeleke nemisebenzi ethile.
Yintoni enokuyenza xa ikhaya lakho lingaphantsi kwamanzi ? Unokufuna ukubambelela ekhayeni kwaye ulindele ukuba le propati iphinde ibuye ixabiso layo. Ukuba ufuna ukuhamba, unokrazula ikhaya kumqeshi. Ngenye indlela, ukuba uthengise ikhaya, unokucela umthengisi wakho imvume yokuthengisa emfutshane (siza kuxubusha oku ngezantsi) okanye uzisa imali kwitafile yokuvala.
Kuthekani ukuba awukho ngaphantsi kwamanzi kodwa unzima ukwenza iintlawulo ?
Okokuqala, ngaphambi kokuba uthenge ikhaya, thengisa ikhaya elingabizi ngaphantsi kunelo lifanelekileyo. Awudingi ukuthenga ixabiso lentengo kwikhaya kwisixa esiphezulu semali-mboleko oyifaneleyo ukuyifumana.
Abantu abaninzi ngaphakathi kwishishini lezakhiwo zithengisa ukuba imali yakho yokubolekwa imali kufuneka iqhube i-third-thirds of your home-pay pay. Eli nani alibandakanyi ukulungiswa, ukugcinwa , izibonelelo kunye nezinye iindleko ezincedisayo. Nangona kunjalo, eso sibalo sinokuphakama kakhulu. Zama le ndlela, endaweni yoko: njengomgaqo oqhelekileyo wezithupha, jolise zonke iintlawulo zakho ezinxulumene nekhaya, kubandakanywa izixhobo, ukulungiswa kunye nokugcinwa, ukuya kuma-25 ukuya kwe-30 ekhulwini lakho lokuhlawula ekhaya.
Ngaphezulu kwelo, gcina ingxowa-mali engxamisekileyo ehlanganisa ubuncinane iinyanga zenyanga ezintandathu. Gcina le ngxowa-mali engxamisekileyo kwi-akhawunti yokugcina imali-mali, kunokuba kukho naziphi na iintlobo zotyalo-mali (ezifana nezitokisi). Musa ukuyiphonsa le holide, iintsuku zokuzalwa, okanye iindleko zonyaka. Londoloza oku kuphela kwenkxamiseko engxamisekileyo.
Ukuba ufumana nzima ukuhlawula iintlawulo, qalisa ngokukhawuleza iindleko kwiindawo ezahlukeneyo zobomi bakho. Uphakathi kweengxaki zemali; uchithe nje. Musa ukusika ikhebula yakho kuphela; thengisa yonke i-TV. Musa nje ukugubha isikhwama sakho semini; kutshintshela umfundi weekholeji kunye neembotyi zokutya uze ubuyele ezinyaweni zakho. Fumana imali eyongezelelweyo kuyo yonke yesibini yesibini kunye neveki kunye nomsebenzi we-freelance, ongayisebenzisa kwi-intanethi ukusuka ekhaya ngelixa abantwana bakho belele. Khangela ukuba uvumelekile ukuba uhlaziywe kwi-mortgage rate rate .
Ukuba uhlala emva kweentlawulo zakho kwaye awucingi ukuba unako ukubamba, lixesha lokuthengisa ikhaya lakho. Ukuthengisa ikhaya lakho kukukhetha kakhulu ukucima.
Ukuba ikhaya lakho lixabiso elingaphantsi kwexabiso olihlawulwayo, uya kufuna imvume yakho yokubolekisa ukuthengiswa kwesikhashana. Ukuthengiswa okufutshane kukuthengiswa kwekhaya apho umbolekeki athola ngaphantsi kunokuba atyala njengamanje. Umboleki ulahlekelwa ngumlinganiselo.
Ukuba umboleki-mboleko uyaqonda ukuba banako ukubuyisela ilahleko zabo ngokuthengiswa okufutshane kunokuba kuqhutywe inkqubo yokucandwa kwemveli, baya kuvumela umboleki ukuba aqhubeke nokubeka uluhlu lwepropati njengentengiso emfutshane.
Ukuthengisa okufutshane kuyindlela enye yokuphepha ukujongana neempembelelo zekhredithi zokuvalwa kwezinga elipheleleyo, kodwa azinjalo. Gcina oku kwipokhethi yakho yangasemva njengesigqibo sokugqibela.
Nento yonke ekuthethwa ngayo, makhe sikhulume ngenkqubo yokuchithwa kwangempela. Njengoko ukhangele ukubona, inkqubo yokuqhawula isithuba eside kwaye kukho amathuba amaninzi kule nkqubo apho ungazama ukukhulula ikhaya lakho ngokuthengiswa okufutshane, kunokuba kubekho ukuchithwa.
Makhe sijonge kwinkqubo ukwenzela ukuba uqondisise okwenzekayo kwicandelo ngalinye lendlela.
Inkqubo yokuQala
Okokuqala, inkunkuma: inkqubo iyahluka ngo-state-by-state. Kwamanye amazwe, umboleki-mboleko unamandla okuthengiswa kwaye unokusukela "ukuchithwa kokungabikho komthetho." Le nkqubo elandelayo ichazwe apha ngezantsi ichazwe ngokubanzi kwinkqubo yokugweba ukugwetywa kwamanye amazwe. Ukuba ufumana ujongene nokuchithwa okunokwenzeka, khuluma nommeli.
Xa umntu obolekayo engenzi kakuhle kwiintlawulo zabo zokuboleka imali, umboleki-mboleko unokukwazi ukufaka isaziso esingagqibekanga esidlangalaleni, esaziwa njengeSaziso soMntu oPhezulu okanye uLis Pendens. Esi saziso sobala esidlangalaleni sazisola umbolekekisi ukuba kukho ukuphulwa kwesivumelwano.
Emva kokuba umntu obolekayo afumene iSaziso soPhezulu, bafumana ixesha lobabalo, elimiselwe ngumthetho welizwe, apho bangawubuyisela khona imali yabo mboleko ngokuhlawula ibhalansi engaphezulu kwexesha elidlulileyo kunye nokubanjwa ngokukhawuleza kunye neentlawulo zabo zokuthenga. Eli xesha lebabalo lwaziwa njenge-pre-foreclosure.
Ukuchithwa kwangaphambili ixesha eliphakathi kweSaziso soPhezulu kwaye xa ipropati ichithwa okanye ithengiswe kwintengiso yomntu. Ngethuba lexesha lobabalo, umboleki unamathuba ambalwa okuza kuvuka ngokumalunga nomboleko wakhe:
- Umboleki uya kwenza iintlawulo zabo zifikelele kwaye zibuyisele umboleko wabo ngokuhlawula izilinganisi ezidlulileyo.
- Banokufaka isicelo sokuguqulwa kwemboleko ukunciphisa iintlawulo zabo zokuboleka.
- Bayazama ukuthengisa impahla kumntu wesithathu ukuphepha ukuvalwa.
- Baya kuvumela ipropathi ukuba ithengiswe kwisandisi somntu wokuqala.
Ukuba umntu obolekayo akakwazi ukubuyisela imali mboleko, umboleki-mali unako ukubuyisela kwakhona impahla kunye nokuthatha ubunini ngenjongo yokuphinda athengise ipropati. Iipropati ezibuyiselwe ngumthengi (ngokuqhelekileyo ibhanki) zibizwa ngokuba yi-Real Estate Owned (REO).
Ngaphantsi
Landela izikhokelo ezimbalwa ezisisiseko zokunciphisa umngcipheko wokujongana neengxaki zempahla yokuthenga impahla: uthenge indlu encinci kunokuba unako ukuthenga. Gcina i-fund yangxamisekileyo kunye neendleko zenyanga ezithandathu.
Yenza imifudlana emininzi yengeniso, ukwenzela ukuba xa omnye umthombo unomileyo, ingeniso yakho ayiyi kuhlaselwa. Gwema izikwereti ezingabikho kwemboleko, njengemali-mboleko yemoto okanye ityala lekhadi lesikweletu . Qonda indlela inkqubo esebenza ngayo, ukuze ungayi kuba nayiphi na into emangalisa.
Xa kuthethwa oko, jabulela ikhaya lakho. Uninzi lwabanini bezindlu alukwazi ukuhlengahlengiswa. Unolwazi olwaneleyo ukuba uthathe ukhangelelwano oluqhubekayo kwiimeko ezinobungozi ezikhokelela kulo mava ahluphekileyo ukuze ukwazi ukukhusela abo. Kwaye ezo zikhuselo, ngokubanzi, zijikeleze umgaqo-mali wexesha elingenamntu wokuhlala phantsi kweendlela zakho.