Impendulo: Ukuhlaselwa kwindlu yakho yintlungu. Kuphantse kufana nokuba kukho inkawu emhlane wakho, kwaye akayi kuphuma. Kodwa akukho naziphi na iiprogram ze-12 zentengiso yabathengisi abanetyala elingaphezu kwamakhaya abo. Nantsi i-Top 10 ye-Sale Short Alternatives enokufuna ukuyiqwalasela ukuba unquma ukuba ukuthengisa okufutshane okuqhelekileyo akukona kuwe:
Enye yokuThengiswa okufutshane Okukhethiweyo # 1
Qhubeka nokwenza iintlawulo zakho zokuthenga. Lindani, ngaba oko kukhetha? Ewe, kunjalo, nangona isisombululo esicacileyo, akubona bonke abantu abayicinga. Ngamanye amaxesha, indawo yokuqala umnikazi uya kuhlalisa indlu.
Ukuba unokukwazi ukwenza iintlawulo zakho, kutheni ungahlali kwaye uhlawule imali yakho? Ukuba awuwathengisi ikhaya lakho ngoku, ngaba kunenekile ukuba kulungile kangakanani? Ukuba umboleko wakho wawuzinzileyo xa wawukhupha, kwaye unako ukuhlawula, unakho ukhetho lokuqhubeka nokuhlawula imali yakho yokuhlala kunye nokuhlala apho uhlala khona.
Kuphela nje umcimbi wesimo sengqondo nokuzimisela ukuhlawula.
Eminye yokuThengiswa okufutshane Okukhethiweyo # 2
Hamba kude nekhaya lakho . Oku akuthethi ukuba uthetha iibhegi zakho phakathi kobusuku, uphinde ukhuphe iloli elihambahambayo emnyango wakho wangaphambili uze unyuke edolophini ngaphambi kokuba abamelwane babone ukuba uhambe.
Kuthetha ukuba uyeke ukuhlawula imali . Mhlawumbi ucela malunga nekheshi ngeentshixo . Kodwa uvumele ikhaya liye kwi- foreclosure ngaphandle kokuzama ukulondoloza. Kwabathengisi abathile ngaphandle kwemali-mboleko yokuthenga, ukuhamba kude kungenakukwazi ukuthwala nayiphi na imfanelo ngaphandle kwebala lokuhlaselwa kwezenhlalakahle nezezemali.
Enye yokuThengiswa okufutshane Okukhethiweyo # 3
Inzuzo yokuboleka imali. Ukuba awufuni ukuhamba kwaye unako ukufikelela kwimali eyaneleyo yokuhlawula imali yakho yokuthenga imali, cinga ukwenza njalo. Abanye abantu bacinga ukuba xa besenza isithembiso sokuhlawulela, ukhuseleko lomboleko luyiyo engafanelekiyo kwaye isithembiso sokuhlawula sibaluleke kakhulu.
Ngeke uzive kakubi malunga nokuba ubuninzi bakho ikhaya lifanelekile ukuba ungenayo imali.
Enye yokuThengiswa okufutshane Okukhethiweyo # 4
Ukuhlawula imali yakho ngemali ngokusebenzisa inkqubo yokulungiswa karhulumente . Ezinye iinkqubo zokuhlaziywa, ezifana ne-HARP, zivumela ukuba uhlaziye yonke imali yokubolekwa kwemali, ukubonelela ngemali mboleko yakho nguFannie Mae okanye uFreddie Mac. Ezinye iiprogram zivumela ukuhlaziywa kwiphesenti ethile-mboleko.
Khumbula ukuba ngelixa unokunciphisa kakhulu intlawulo yakho, ukwandisa ixesha lakho lomboleko.
Enye yokuThengiswa okufutshane Okukhethiweyo # 5
Cinga ngokutshintshwa kwemali mboleko . Ndiyazi ukuba uzame ukuba ngenkampani yokuguqula imali mboleko, kodwa iinkampani zentengo-mboleko ayikwenzi nto nantoni na ongeke uyenze yona, kwaye abanye banokukulimaza.
Kufanelekile ukuthetha nebhanki yakho malunga nenketho ekhoyo yokuguqulwa kwemboleko.
Eyona nto ibhetele kuyo yonke ihlabathi iya kuba yinkqubo eyanciphisa ibhalansi yakho enqununu, kodwa ndiyaxolisa ukuba oko kuya kwenzeka xa ihagu zihamba.
Enye yokuThengiswa okufutshane Okukhethiweyo # 6
Buza ibhanki yakho ukuguqulwa kwesaziso. Oku kwahluke ngokuguqulwa kwemboleko kodwa kuyafana. Ucela ibhanki ukuba iguqule imimiselo yesaziso sakho. Mhlawumbi ibhanki iya kukulungele ukunciphisa umyinge wemali kwimboleko yakho, ngaphandle kokuhlaziywa kunye nokugcina yonke iminye imiqathango, ngaphandle kokuhambisa iipiliti zamaphepha. Isisombululo esilula.
Enye yokuThengisa okufutshane Ukukhetha # 7
Thenga ikhaya elitsha kwaye uqeshe ikhaya lakho elikhoyo. Oku kwahluke kwiNtengo kunye neBheyili. Abanye abanamakhaya abanenhlanhla banokukwazi ukufumana amakhaya amabini ngexesha elinye.
Ngokuqhelekileyo, ibhanki iya kufuna iimfuno ezilinganayo neenyanga ezintandathu zeentlawulo kwikhaya ngalinye.
Ukuba unako ukwenza ukuhamba kwemali ephuma ekhaya kwikota yokuqashisa, konke kulunge.
Enye yokuThengisa okufutshane Ukukhetha # 8
Thenga kunye neBheyili. Nangona oku akuyona inketho ndiyayixhasa, kuyindlela ekhoyo yokuba abathengisi bakhethe. Akuthethi ukuba ukuba ibhanki yakho ingabonakalisa iNjongo yokuThengisa kunye neBail, ukuba i-FBI ingenako ukudala ityala lokukhwabanisa .
Abanye abanikazi bezindlu bathenge enye ikhaya ngenjongo yokuqeshisa ikhaya elikhoyo baze bafumane ukuba abanako ukugcina irente. Mhlawumbi abaqeshi bayeke ukuhlawula okanye abakwazi ukuqeshisa ikhaya baze baqhubeke nokuhlawula indlu engenamntu, ekugqibeleni igxotha zonke izibonelelo zabo. Ngaba le Yithenga neBheyili? Cela ummeli.
Enye yokuThengiswa okufutshane Okukhethiweyo # 9
Thengisa ikhaya kunye nenkxaso-mali yomnini . Unokubuza ukuba ubani oza kuhlawulisa indlu ngokuthenga ikhaya elingaphantsi kwamanzi? Uninzi lwabantu. Benza njalo ngexesha lokuthenga okukhethwa kukho yokuqeshisa kunye nokuthengisa indawo yokuthengisa. Ezinye zezo ntengiso zibheke kwixabiso elizayo, kwaye oko kunokukhokelela ekuhlawuleni imali.
Zama nje ukufumana uhlobo oluthile lwemali ngaphambili ukuze ube nekhuseleko elincinci ukuba abanini abatsha baya kuqhubeka behlawula. Uya kuxhomekeka kubathengi ukuhlawula ukuze ukwazi ukuhlawula imali yakho. Fumana iingcebiso zomthetho xa uhamba kule ndlela kuba ezininzi iimali zokugcina iimali ziqulethe isahlulo sokuhlukanisa .
Enye yokuThengiswa okufutshane Okukhethiweyo # 10
Bhatala ibhanki ukwenza ukuthengiswa okufutshane. Ngaphandle kweSB 458 eCalifornia, abaninzi ababolekayo abanokuphikisana nentengiso emfutshane yemveli baya kwamkela ukuthengisa okufutshane apho umthengisi uncedisa ekulahlekeni kwebhanki.
Ezinye iibhanki zingamkela iicents ezili-10 kwi dollar okanye ngaphantsi. Kubizwa ngokuba yi- strategic sale sale kwaye ayibandakanyi ubunzima bezezimali.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.