Fumana indlela yokufumana isicelo sakho seNkqubo yoHlelo lweRefinable Affordable Refinance
Umfundi uyabuza: "Sizama ukufumana utshintsho lwemali mboleko, kodwa u-Wells uFrango uthe asizange sifaneleke. Sine-mortgage esele isetyenziswe ngokutsha, ephuma kwimali-mboleko yemali kuphela ekuxhaswe ngokupheleleyo kwiinyanga ezintandathu. Sifuna ukuthengisa loo ntlawulo emfutshane ngenxa yokuba asifuni ukuba intombi yethu ishintshe izikolo. Ndiva ukuba sinokuhlawula imali yethu mboleko ngomboleko omtsha ngaphantsi kweprogram yokulungiswa kweMongameli Obama. Ndiye ngaphantsi komzila wokuthemba, ukunqumla iminwe yethu nokulahlekelwa ubuthongo ngenxa yale mboleko yeminyaka emihlanu edluleyo, andiyazi ukuba ndiyakwazi ukuthatha kwakhona. Yintoni ephosakeleyo kwiNkqubo yeRefined Refinance yasekhaya? ? "
Impendulo: Izikhokelo ze-HARP zigqithise kakhulu. Ngamafutshane, urhulumente unikezela ngeendlela ezimbini zokwenza iKhaya elithengisekayo. Ezi ndlela zimbini:
- Inkcitho yokuguqulwa ngokuKwenza iKhaya elithengisekayo
- HARP ngokwenza iKhaya elithengiswayo
Ulwahlulo oluphambili phakathi kweenkqubo ezimbini kukuba ukuguqulwa kwemali mboleko ngabantu abanobunzima bezezimali, kwaye i-HARP yinto yabathengisi abangafanelanga ukulungiswa kwemboleko ngenxa yokuba abanakho ubunzima bezezimali.
Indlela yokufanelekela i-HARP
Iimigangatho zokufaneleka ze-HARP zichanekileyo ngokulandelelanayo:
- Imali yakho yokubopheka kufuneka ibe nguFannie Mae okanye uFreddie Mac. Ezinye iintlobo zemboleko azifanelekanga kwi-HARP. Unokwazi ukubheka i-mboleko yakho kwi-intanethi ukuze ubone ukuba ibanjwe nguFannie Mae okanye uFreddie Mac ngokuya kwiziko lokuthenga imali mboleko kwiWebhusayithi yokuThengisa iKhaya.
- Imboleko yakho kufuneka ivele ngaphambi koJuni 1, 2009.
- Umlinganiselo wakho wemali-mboleko kufuneka ube ngaphezu kwama-80 ekhulwini.
- Kumele ube khona ngoku kwiintlawulo zakho, ungabikho ngaphezu kwentlawulo enye emva kweenyanga ezili-12 ezidlulileyo.
- Ngaphandle kwefestile encinane engabandakanywa, awukwazi ukusebenzisa i-HARP esikhathini esidlulileyo.
AmaFARP
Izizathu eziphambili umninikhaya uza kufaka isicelo se-HARP kukuba umninimzi ufuna ukugcina ikhaya kwaye akanako ukulungiswa kwemboleko .
Abanikazi bezindlu abanokukhetha ukuthengisa ngokufutshane ngokubanzi abafaki isicelo se-HARP.
- Inkqubo yokuhlaziya ayinaso umda kumyinge wemboleko xa umboleko wakho okhoyo unesilinganiso esicwangcisiweyo. Akukho sikhombi.
- Kukho umncinci omncinci, ongenamkhawulo, okhupha imali. Ngokuqhelekileyo iindleko zokuvala kuphela zingongezwa kwimboleko yakho ukunyusa ibhalansi yayo.
- Unako ukususa umbolekekisi kwimboleko ephumayo ukuba umboleki osalayo angabonakalisa umlando wokuhlawula. Oku kuya kusebenzela isibini esivumelekileyo somtshato .
- Unokongeza umntu obolekayo mboleko, ukubonelela umboleki omtsha ukuba afaneleke.
- Unokuyilungisa ukuba ufake i-bankruptcy nje kuphela xa i-bankruptcy ikhutshwe ngaphezu kweenyanga ezili-12 ezedlulileyo, kwaye uhlala uhlawule ngoku kwintlawulo yakho yokuboleka kwemali ukususela oko.
- Ngaphandle kolunye uhlobo lweprogram ye-HARP, umlinganiselo omncinci wamatyala kunye nomyinge wetyala awunyanzelwanga.
Iingxaki zeHALP ezichazwe
Ingxaki efanayo echaphazela iinkqubo zokuguqulwa kwemboleko kwi-HARP. Kubaqalayo, abanako abantu abanelungelo lokufumana uncedo, oku kuthetha ukuba izikhokelo azifanelanga abantu abaninzi.
- Ingxaki enkulu kukuba le nkqubo ayinciphisi ibhalansi yenqununu. Enyanisweni, yenza ukuba ibhalansi inqununu ikhule ngakumbi.
- Uya kuqhubeka nokuhlawula i- inshurensi yokubolekwa ngemali ukuba unayo imali ngoku. Nangona inkokhelo yakho ingahle iyancipha ngenxa yentlawulo ephantsi, inkokhelo yakho inokunyuka kwakhona, kwakhona. Nangona kunjalo, izikhokelo zikaFannie Mae zichaza ukuba awuzange ube ne-inshurensi yokubolekwa ngemali phambi kwakho, awuyi kuthi ngoku.
- Awukwazi ukuhlawulwa okanye ukulungiswa kwemali-mboleko yesibini ehlawulweyo okanye imali mboleko yemali nge-HARP. Into engcono kakhulu ongayenza yifumana umboleki wesibini ukuba angene phantsi, oku kuthetha ukuba uhlale kwindawo yesibini. Kodwa akukho ncitshiso encinci kumthengisi wesibini ukuba avume. Kutheni ukuba umnini-mboleko wesibili ufuna ukuphazamisa isikhundla sakhe kunye nokucima emthonjeni ongekho nto?
- Unokutshintsha uhlobo lwakho lomboleko kwi-recourse. Imithetho iyahluka ngohlobo. KwiCalifornia, umzekelo, abathengisi abahlaziyayo batshintsha imigomo yemboleko yabo ekuthengeni imali kwimali enzima . Imali enzima inokuxhomekeke kumboleki kwisigwebo xa kwenzeka.
Ngokuqhelekileyo, ukuthenga iimali-mboleko ngemali akuthandi ukubuyela eKalifornia. Ukuba unokungena kwi- foreclosure phantsi komgwaqo, ukuba iimali-mboleko zakho zahlala zithengwa ngemali, unokukhuselwa ekubeni uxanduva lwabantu baseCalifornia. Ukuwa phantsi kokuhlaziywa, njengokufumana ilungelo lokulandela isahlulelo sokuntuleka kwimeko yokungafi, kuya kuba enkulu kunye neebhanki kunye nezinto ezimbi kubaphathi bezindlu.
Ukuthengiswa okufutshane malunga ne-HARP
Ngaphantsi kwe-HARP, kwiminyaka emibini, ikhaya lakho lingase lisephantsi kwamanzi kwaye lithengele ngaphantsi kunokuba unetyala. Abadayisi abalungiselela ukuthengisa okufutshane banokukwazi ukuthenga ikhaya kwiminyaka emibini ukuya kwimithathu. Ngoko ke, bahweba ukuthengisa ikhaya elingaphantsi kwamanzi indlu efana nayo kodwa nge-mortgage encinci - ngaphandle kokuba baqeshwe iminyaka emibini yokuqala. Ekupheleni kweminyaka emibini, umntu owayengumthengisi omfutshane unokufumana ikhaya elifanayo kodwa ngokulinganayo.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.