Yintoni esifanele siyenze ngendlu yethu ephantsi? "
Xa izindleko zokuqala zezindlu zaqala ukuhla ngo-2005, abaninzi abanini bezindlu baphuthuma ukulahla indlu. Kodwa ezinye ezininzi zigcinwe. Laba bahlali bezindlu, njengawe, bebukele izindleko zabo zasekhaya ziwa phantsi kwaye abanye, ndibethe, ndiziva ngathi ngumphathi wokugqibela omileyo emkhombeni odilikayo. Iindaba ezilungileyo zikho ezininzi iinketho ezikhoyo kuwe.
Eyona ndlela ihle kakhulu kwiNdlu ephantsi
Isisombululo esihle kunazo zonke kuloo ndlu ejikelezileyo kukuyijika kwakhona. Indlela yokwenza oko kuqhutywa kwinkqubo yokunciphisa inqununu . Ingxaki kwinkqubo yokunciphisa inqununu ibhanki yakho kufuneka ilibale malunga nelo nxalenye yetyala elingaphantsi kwamanzi, kwaye akuyiyo yonke ibhanki eya kwenza oku. Enyanisweni, iibhanki ezimbalwa ziza kuxolela inkohlakalo ngaloo ndlela. Kodwa kufuneka ucele ibhanki yakho ukuba yenze.
Unokubuza ukuba kutheni iibhanki ezingaphezulu ziza kuthatha inxaxheba ekunciphiseni inqununu? Ibhanki yakho ikulungele ukwenza ukuthengiswa okufutshane , okubandakanya ukuxolela ityala.
Kutheni i-bhanki ayiyi kuxolela ityala kuwe, umboleki owenze iintlawulo ngexesha nganye nyanga kunye nokuma kakuhle nebhanki? Kutheni uhlawulwa? Kwaye ezo zinto ziza kuba yiyona mibuzo ebalulekileyo yokubuza ibhanki yakho. Ziyimibandela enhle kakhulu yokuyibeka kwiCongress.
Isisombululo Sokuguqula Inkcitho kwiNdlu ephantsi
Abanye abathengisi abanandaba ukuba baya kuba netyala ngaphezu kwamakhaya abo abafanelekile iminyaka neminyaka.
Kwaba bathengisi, ibhalansi yemali engenanto ayithethi xa kuthelekiswa nokuzinikela abazivelayo kwikhaya. Abafuni ukuhamba ngaphantsi kweemeko. Bonwabile ukuba ngaba umboleki uya kunciphisa intlawulo yabo yenyanga ngokuguqulwa kwemboleko .
Ezi ntlobo zabathengisi ziqeshwe ngokuqhelekileyo, kwaye ziyakwazi ukuhlawula iintlawulo zazo, kodwa iintlawulo zabo zokuthenga ngemali zidla ngokuphindaphinda ngaphezu kwe-1/3 yazo yengeniso yenyanga. Ukuba bangahlawula ngaphantsi koko, banelisekile.
Isisombululo seNkcazo kwiNdlu ephantsi
Iprogram ye- HARP yangaphambili yayinokungaphumeleli kakhulu, ngoko urhulumente wenze utshintsho lwenkqubo yakhe yokuhlenga i-HARP. Inikwa kuphela ngo-Fannie Mae no-Freddie Mac. Uninzi lwabolekayo abafaka isicelo sale nkqubo benza njalo ngenxa yokuba bafuna ukugcina ikhaya labo kwaye bafuna ukuhlawula umvuzo wenyanga, ngaphezu kwerhafu ephantsi.
I-drawback enkulu yile nkqubo ayinciphisi ibhalansi yeqununu. Kufana nokubeka isibhamu kumntu oyimboleko kwaye ungadonisi i-trigger okwesikhashana.
Isisombululo Sokuhamba EsikwiNdlu Ephantsi Ngaphandle
Ndiyakrokrela ukuba umntu osebenza kunye nabanikazi bezindlu abaxinezelekileyo uthintele umlilo. Abaninikhaya bavutha. Baqala ngeentlungu, kodwa oko kunokukhawuleza kuphuhlise ibe yintshaba emva kokuba bazame ukusebenza ngaphakathi kwiphina inkqubo ekhokhwayo yebhanki.
Ngabo bantu abanelungelo lokuxhamla kunye nabavuthayo abanomdla abavame ukuyeka ukuhlawulwa kwempahla kunye neentonga zabo - ukukhwela ikhamera nantoni na ukuba bazive benesibindi ngokwaneleyo ukuba bafumaneke - kwaye ekugqibeleni bayithumele ikhaya ekukhuselweni .
Bacinga ukuba "bayayibambelela kumntu," kodwa bahlala bezilimaza ngokwabo. Kukho ukhetho olungcono kunokuba kugqitywe umninikhaya.
Ukunikezela ngeNdlu Isisombululo kwiNdlu ephantsi
Akukho mntu onokubuyisela indlu kwibhankini ngenxa yokuba ibhanki yayingayenaye indlu kwindawo yokuqala. Kuyingozi. Ibhanki ayibuyiseli indlu. Ibhanki inokubamba iqela ekukhunguleni, kodwa ayibuyiseli.
Ngamanye amaxesha amabhanki anikezela ukuba umnikazi enze ipropati ebhankini. Kubizwa ngokuba yi- deed-in-place of foreclosure . Ngokuqhelekileyo unomdla kwibhanki kwaye kunqabile umnqweno womnini.
Ukuba umgomo wakho ukuwufaka kumntu, ungasayineli inxaxheba kwindawo.
Isisombululo esifutshane sokuThengiswa kweNdlu ephantsi
Ukususela kwimbono yokujonga imali, ukuthengiswa okufutshane kukukhetha kwakho okwesibini, ngokuthe ngqo kwinqanaba lokunciphisa. Ngenxa yokuba ilahlekisa ityala le mboleko. Kwezinye iimveliso ezimfutshane ezifana nentengiso efutshane yaseCalifornia , inkqubo iya kukhulula umthengisi kumbopheleleko kunye noxanduva.
Kukho iintlobo ezahlukeneyo zokuthengisa ezifutshane. Ukuze ufumane okulungileyo kuwe, thetha kummeli othengiswayo onolwazi olufutshane. Ayikho yonke into emfutshane edayiswayo, kwaye ukutshintshana okuncinci okwenziwa ngummeli onamava kunokuthetha umahluko phakathi kokufumana imali ngokuthengiswa okufutshane kunye nokuthengiswa kwakho okufutshane.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.