Inkcazo yobunzima
Ngamanye amaxesha ubunzima bombono wokujonga. Ubunzima buchazwa njengesimo esinzima ukunyamezela. Ingabandakanya uhlobo lokubandezeleka. Akumele uhlale kwibhokisi lebhodibhodi phantsi kwebhuloho ukuze ube nobunzima. Unokuba yinkwenkwezi ye-NBA njengoRon Artest, owathengela ikhaya i-$ 1.85 yezigidi kwiLoomis, CA, kwaye kamva wathengisa njengento emfutshane yokuthengisa i-$ 1 yezigidi.
Ixabiso lekhaya lika-Artest lawa malunga nesiqingatha. Wayefumana i-$ 7.5 yezigidi xa wathenga ikhaya. Le ngeniso yawela kwi $ 5.85 yezigidi xa ithengisa. U-Artest ulahlekelwe malunga nama-23% wamandla akhe okufumana - yinto ebunzima. Nazi iindlela zeesampuli zobunzima. Ababoleki baya kuqwalasela le miqathango elandelayo, kwaye akufuneki ukuba kwenzeke wena ngokwakho. Ingaba ilungu lentsapho elixhasayo - ngokwezemali okanye ngokwemvakalelo okanye bobabini - okanye ngubani othembela kuye ngenkxaso oye wafumana ubunzima obunjengoku:
- Ukungasebenzi
- Ingeniso eyancitshiswayo (ama-furloughs, umsebenzi omtsha, ukulahleka komsebenzi, ukuhlawula umvuzo)
- Ukugula okanye ukongxamiseka kwezonyango
- Ukutshintshwa kweYobhi (ngokuzithandela okanye ngokungenakuzibandakanya)
- Ukwahlukana, ukwahlukana okanye ubunzima bomtshato
- Imigaqo-mboleko yemali engaphandle (i -loan rateable rate rate )
- Inkonzo yezelizwe
- Ukufa kwintsapho
- Ku valelwa
- Ukunyuka kweendleko kunye netyala elininzi
- Ukulungiswa okungalindelekanga okanye ukugcinwa kwekhaya
I-Strategic Sale Sale ihambe
Iinjongo zabathengi abaninzi abafuna ukwenza ukuthengiswa okufutshane yinkinga yokuba i- balance balance mortgage yabo iphezulu ngaphezu kwexabiso lamakhaya abo. Bahlawulwa ngaphezu kwamakhaya abo. Aba bathengisi abafuni ukuhamba ngokuchanezela ngezizathu ezahlukeneyo, kwaye banethemba lokuba banokukhusela ukulinganiswa kwekhredithi yabo.
Isisombululo esilula siya kuba senze utshintsho lomboleko olunciphisa ibhalansi yeqonga ngaphantsi kwexabiso lemarike yasekhaya. Enyanisweni, oku bekuza kuthengisa ikhaya elifutshane ukubuyela kumnikazi walo, ngaloo ndlela uvumele umnini ahlale ekhaya. Oku kuya kwenza ukuba kuninzi. Kodwa hayi, akunjalo indlela yethu yokusebenza e-United States isebenza ngayo. Ukwenza ukuthengiswa okufutshane, umthengisi kufuneka athengise kwaye ahambe, aqeshe iminyaka embalwa aze athenge ikhaya elifana kakhulu okanye mhlawumbi elincinci kunekhaya abathengisa abanalo. Ndiyazi, siyisiphukuphuku.
Indlela elula yokwenza ukuthengiswa okufutshane okucwangcisiweyo kukubhalela unobumba obunamandla nolunyanisekileyo. Cinga ingqalelo kuyo. Into engeyiyo ubunzima kumfundisi wakho weNgesi yonyana wakho inokuba nzima kakhulu kuwe. Ukuba unayo indlu eMzantsi Dakota kwaye umsebenzi wakho udluliselwe kuwe eHawaii, yinkxwaleko, nangona abanye abantu banokucinga ukuba iHawaii ibe enye yezona ndawo ezifanelekileyo zokuhlala eMelika.
Nazi ezinye iindlela:
- Ukuhlawula i- arhente yoluhlu olutshishino olufutshane .
- Thetha kummeli oqhelekileyo ngokuthengisa okufutshane.
- Fumana iingcebiso zerhafu ezifanelekileyo malunga neerhafu ezinokuthi zihlawulwe ngetyala okanye, xa kwenzeka ukuhlaziywa, ukuxhomekeka kwemali mboleko.
- Ixabiso lentengiso yakho emfutshane ngokuhambelana nokuthengiswa okuthelekiswayo , okumele kube ngaphantsi komyinge wakho.
- Hlanganisa iimaphepha ezifunekayo ngebhanki elifutshane.
Xa amabhanki avumela abathengisi bahambe ngaphandle kobunzima
Ubunzima akusoloko buyimfuneko kuba ngamanye amaxesha ibhanki inqwenela ukulahla ipropati ngaphezu komngcipheko owuthathayo kwi-foreclosure. Ngoko ngokuqhelekileyo kuninzi, ukuthengiswa okufutshane kunikwe.
Kwimeko yakho kunye neBhanki yaseMelika ukuthengiswa okufutshane , ngaphandle kokuba uvumelekile kwi- HAFA program yokuthengisa emfutshane , kungenzeka ukuba iBhanki yaseMelika inokucela umrhumo womthengisi .
Nangona kunjalo, loo mkhuba isebenza ngokukodwa kwimali mboleko yemali kwaye ingayithengi imali mboleko . Ibhanki mhlawumbi ingaba malunga ne-195,000 zama-dollar ukuthengiswa kwakho kwaye udle i-$ 310,000 ekhoyo.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.