Ngaba Amalungu Olentsapho Angayigcina ikhaya?
Yintoni Eyenzeka Ngamatyala Ekufeni?
Ukufa komboleki kuyatshintsha izinto, kodwa mhlawumbi kungabi nangoko ucinga ngako. Imboleko ikhoyo kwaye ifuna ukuhlawulwa, njengawo nawuphi na umboleko. Kodwa iigxina ziphezulu kunye namatyala ezindlu, njengamalungu entsapho ahlala ngaphakathi kwindlu okanye azinamathele. Abasindileyo banokusingatha i-mortgage ngeendlela ezininzi, kwaye ezinye ziya kuba zikhangele ngakumbi kunabanye.
Qhubeka uhlawula: Kubalulekile ukwenza amalungiselelo enkokhelo yakho yenyanga xa usweleka. Ukwenza oko kukuvimbela umboleki ukuba asebenzise iifizi zentlawulo kunye nokuqala inkqubo yokuqhawula . Umlingane osindayo, umqhubi wakho, okanye omnye umntu angenza iintlawulo ngelixa ulungisa umhlaba (okanye iintlawulo zesikhokhelo ngokuzenzekelayo zenza umsebenzi ). Ewe, loo nto icinga ukuba ezo mali zikhoyo.
Izibini ezitshatileyo: Kwiintlobo ezininzi ezitshatileyo, inkqubo ichanekileyo. Ukuba bobabini bomtshato bahlala ekhaya kwaye bafaka isicelo sembolekiso kunye, umlingane ohlalayo ngokuqhelekileyo uthatha yonke into (ubunini bendlu kunye noxanduva lomboleko).
Ukudlulisa ikhaya kwiintsapho: Ifa lakho lijongene nokuhlawula amatyala , kodwa i-real estate iyingqayizivele. Ngaphantsi komthetho wesigqeba, ababolekisi kufuneka bavumele amalungu omndeni ukuba athathe i-mortgage xa edla ifa lokuhlala. Oku kuthintela ababolekisi ukuba bangafune ukuhlawulwa phantsi kwesigatshana esithengiswayo, esiya kubakho xa ubunikazi begqithiselwa kwiindlalifa zakho.
I-CFPB imisela ithi izindlalifa azidingeki ukuba ziqinisekise ukuba zinakho "ukubuyisela" umboleko ngaphambi kokuba uthathe imali.
Ababhali be-Co-signers: Ukuba nabani na osayinwe kwi-mboleko yasekhaya , loo mntu uya kuba noxanduva lokuhlawula ityala-nokuba ngaba ahlala ekhaya okanye abanomdla wobunini. Abangenayo ababambisene nomnini-mvume mhlawumbi banomngcipheko xa usweleka ngetyala lokuthenga.
Ukuhlawula nokuhlaziywa: Iindlalifa azidingeki ukuba ugcine umboleko wendawo emva kokufa kwakho. Bangakwazi ukulungiswa kwemboleko xa kukho imali efanelekileyo, okanye bayakwazi ukuhlawula ngokupheleleyo ityala. Ukuba unempahla ebalulekileyo kwifa lakho ekufeni, ukuba umphathi wakho ahlawule umboleko uvumela iindlalifa ukuba zithathe ikhaya likhulule kwaye licace.
Ukuthengisa ikhaya
Kwezinye iimeko, izindlalifa zingenako ukuthawula imali. Enoba abanako ukuhlawula iintlawulo okanye abafuni ipropati, ukuthengisa ikhaya kusoloko kukukhetha.
Ukulingana okulungileyo: Ukuba ikhaya lixabisa ngaphezu kokuba unetyala kulo , umehluko uya kwiindlalifa zakho. Ummangali wakho angathengisa ipropati kwaye asebenzise le ntlawulo ukuhlawula amanye amatyala okanye ukusabalalisa impahla kwiindlalifa. Ngaphandle koko, ukuba umntu oyindlalifa ethatha inzuzo kunye nobunikazi bendlu, loo mntu unako ukubeka ipakishe.
Ukuba ungaphantsi kwamanzi: Ukuba unetyala elingaphezulu kwekhaya elifanelekileyo-kwaye akukho mntu ufuna ukuthawula iintlawulo- umqhubi wakho unokukwazi ukuthetha ngokuthengisa okufutshane kunye nomboleki wakho. Ukuba konke okuhlulekayo, umboleki-mboleko angakwazi ukuhamba phambili, kodwa kungcono ukuba ushiye "ukuhamba kude" njengesigqibo sokugqibela.
Ukubuyiswa kwemali-mboleko: Ukubuyiswa kwemali mboleko kuyahluka ngenxa yokuba ungenzi iintlawulo zenyanga . Ezi mboleko mazihlawulwe emva kokuba umboleki wokugqibela (okanye umlingane ofanelekileyo) efa okanye ephuma ngaphandle, kodwa amalungu osapho kunye nabahlali bahlala nabo bangawugcina ikhaya ngokuhlawula imali.
Indlela Yokulungiselela Ukufa
Ezinye izicwangciso zezobugcisa ziza kwenza izinto zibe lula kubo bonke abantu. Thetha nommeli wengingqi, chaza into othemba ukuyifeza, kwaye ubuze indlela engcono ngayo ukwenza ukuba kwenzeke-kungekudala, ngcono. Iinto ezilula ziyakwenza ubuqhetseba, okanye ungasebenzisa izicwangciso ezongezelelweyo.
Ngaba ufuna inshorensi? Imali ayithengi ulonwabo, kodwa inokusombulula iingxaki ezininzi. I-inshorensi yezobomi inika i-injection ye-cash esheshayo ukuhlawula i-loan yakho yasekhaya okanye ukuqhubeka neentlawulo zenyanga. Leyo mali inokunika wonke umntu ithuba lokukhetha, kuquka umlingane ohlala naye onokuthi angafuni ukugcina ikhaya. Ngaphezulu, ukuba umnxibelelwano-mncedisi uncede ufumane imvume, ungawabamba ekhoneni.
Izinketho zobunikazi: Ngoxa uncedo lwabaqeqeshi abaqeqeshiweyo, bavavanye ukuba ngaba akunangqiqo ukubamba i-real estate yakho kwi-trust okanye ibhizinisi elinjenge-LLC. Ukongeza abanikazi abongezelelweyo kwisihloko nako kunokukhetha. Nasiphi na isenzo esigcina ikhaya lakho ngaphandle kweengxaki singakunceda ukunciphisa iindleko kwaye uphendule utshintsho kwiindlalifa zakho. Nangona kunjalo, ezo zinguqu zinokuba nemiphumo ebalulekileyo yomthetho kunye neerhafu-ngoko qhagamshelana nommeli wengingqi kunye neCPA ngaphambi kokuba uthathe isenzo.
Gcina imali yemali: Ikakhulu ukuba amalungu enu entsapho aya kunzima ukuhlawula emva kokufa kwakho, yenza imali ifumaneke kubo. Kuya kufuneka bahlawule imali yokuboleka imali, bagcine ipropati, kwaye bahlale bekhona kwiirhafu. Oku kunceda ukunciphisa uxinzelelo kunye nemaphepha, kwaye banokuthengisa ixabiso lexabiso elifanelekileyo kwikhaya ukuba oko kufuneke kwenzeke.
Thetha ngawo: Xoxa ngeenjongo zakho nabani na oya kuchatshazelwa kukufa kwakho. Akumnandi, kwaye kunzima kunabanye, kodwa unxibelelwano luya kuhamba ixesha elide ekuthintela intlungu xa kungenakwenzeka. Fumana ukuba abathandekayo bafuna ukugcina indlu, okanye ukuba bayathanda ukuhamba. Ukuba unamadlalifa amaninzi, cacisa ukuba ngubani ofumanayo-kwaye phantsi kweyiphi imeko. Umzekelo, ukuba umntu omnye ufumana indlu, ngaba loo ndawo iya kuhlawula imali leyo, okanye ngaba loo mntu uzuza i-mboleko yemali kunye nepropati?