Ukuthengiswa okufutshane kungahle kube ngcono kumanqaku akho kunokugqithisa.
Kukho iindlela eziliqela zokugqithisa okanye ukuthengisa okufutshane kukuchaphazela amanqaku akho. Ukuba kwenziwe ngokuchanekileyo, ukuthengiswa okufutshane kunokuba nempembelelo embi kwinqanaba lakho lekhredithi kunokugqithisa.
Izindlela ukuchithwa kwamathintelo kuthinta amanqaku akho
I-foreclosure ihlala kwingxelo yakho yekredithi ixesha elide. Nazi ezinye iindlela ezichaphazela zona.
- Ukuhlawulwa kwexesha elidlulileyo eliphambi kwe-foreclosure linempembelelo enkulu kumanqaku akho.
- I-FICO, i-arhente ebala amanqaku ekhredithi, abalindi babo ngokuchanekileyo inkqubo, kodwa kuqikelelwa ukuba ukuchithwa kwempahla kungakunciphisa amanqaku akho naphina ukusuka kuma-175 ukuya ku-300 amanqaku.
- Ukugqithiswa kuya kuhlala kwi-credit report yakho iminyaka elishumi.
Ukuba kunokwenzeka, ukugcina umlinganiselo wakho wekhredithi, qwalasela ezinye iindlela zokungqambela, ezifana nokuthengisa okufutshane okanye ukwenza-kwindawo-indawo yokuchithwa.
Ukuthengiswa okufutshane kunokuba negalelo eliphantsi
Nangona kunokwenzeka, ukuthengiswa okufutshane kunemiphumo encinci kumanqaku akho okwekhredithi kunzima ukufezekisa. Umboleki wakho kufuneka avumele ukuthengiswa okufutshane, oko kuthetha ukuba kufuneka uthumela ipakethe yolwazi malunga nezimali zakho.
Enye indlela yokunciphisa impembelelo kukusebenza kunye nomboleki wakho ukuxoxisana nokuthengisa okufutshane ngaphandle kokulahleka nayiphi na intlawulo yakho. Njengengxenye yokuxoxisana, cela umboleki wakho ukuba abize ukuthengiswa ngokuthi "uhlawulelwe ngokupheleleyo." Oku kunokunciphisa ubunzima beendlela ezibonisa ngayo amanqaku akho esikweletu.
Umboleki wakho angenako ukubonelela ngokukhawuleza kwintengiso emfutshane, ngoko ke ukuba unqatshelwe imali, kunokuba nzima ukuphepha iintlawulo ezingekhoyo kule nkqubo. Wena umbolekisi unokugqiba nokuba awufaneleki ukuthengiswa okufutshane, apho kufuneka uthathe isigqibo sokuba ufuna ukuzama ukugcina indlu, okanye ukuyivumela ukuba ihambe kwi-foreclosure.
Izibonelelo ezongezelelweyo
I-Institute Depressed Property Institute inikezela ngeklasi yesatifikethi yabangeneleli abafuna ukuxhomekeka kwiipropati ezixinzelelekileyo. Ukungcwaba kwizinto eziphathekayo yilo xwebhu ngokucacisa ukuthengiswa okufutshane. Esi siqwenga sinika iinkcukacha ezongezelelweyo malunga nokuba kungekudala unako ukufumana ilungelo lokubolekwa kwemboleko emitsha ukuthenga ikhaya emva kokuthengisa okufutshane okanye ukuchithwa.
Ukongeza, le mibini ingezantsi inikeza ulwazi olunzulu, oluchanekileyo malunga nokugqithiswa kwempahla kunye nokuthengisa okufutshane kunye nendlela ekuchaphazela ngayo amanqaku akho ekhredithi:
- Ukuthengiswa okufutshane kunye neNgqungquthela ifuthe kwiTyala
- Ingaba Intengiso Yentengiso Eza kufutshane?
Ndiya kuphakamisa ukuba ufumane i-DVD yamahhala yokuKhusela ukuKhutshwa kweNkcazo, eyinikezelwa yiSizwe soMcebisi ngeNgcebiso ngeMali.