Ndezvipi Zvinokonzerwa Nekubhadhara Mhosva?
Icho chinhu chikuru. Izvo zvinonzi " yekugadzira mari " yakabuda muma1970, pamwe nebhero bottoms. Kana uyo anenge achikwereta achizoona chero chikamu chemari yako yekubhadhara chikwereti ndeyechokwadi, kwete chete bhanhire rinogona kukumbira kubhadhara zvakakwana chikwereti chako, asi iwe unogona kubhadhara mitengo mitanhatu uye uwane FBI ichichera bhenu rako nokuti uri kuenda kujeri.
Chii chinonzi Common Mortgage Loan Shamba Rokunyengera?
FBI inotsanangura kubhadhara chikwereti che "mortgage " se "chero chinhu chipi zvacho chakashata, kunyorwa zvisina kunaka kana kusakanganiswa kunotsigirwa neanonyora pasi kana kuti anokweretesa kubhadhara mari, kutenga kana kuvhara chikwereti".
Heano mienzaniso mishomanana yekunyengedza zvikwereti zvemari yekubhadhara mari:
- Zvisingazivikanwi zvitsvaga: Kana iwe uchinge watengesa mutengesi nemutengesi wekumba kuti akupe huru yekodhi kana kuvhara cheki patafura yekuvhara, uchiti, kubhadhara denga idzva , uye kana uyo chikwereti asingazivi nezvazvo - - nokuti haisi kubudiswa muchibvumirano chekutenga kana addendum kana chirevo chako chekuvhara chakafungidzirwa - inotora chikwereti chekutengesa.
- Chete chechipiri chikwereti: Anokwereta asingakwanisi kubhadhara anogona kupa chikwereti chekubhadhara nekukwereta kubhadhara kuripo kubva kune mutengesi mukutsinhana kupa mutengesi chikamu chechipiri chekutenga chikwereti , chisingabvumirwi (kana zvinyorwa pashure pokuvhara) uye chakavanzika kubva kune chikwereti.
- Kunyengera mari yebasa: Mari yakagadzirirwa mari yaive yakagadzirirwa vanhu vanozvishandira avo vane mari yakaoma kuvona, asi vamwe vakashandisa vanokwereta vanopinza mari yavo pamusoro uye kupfuura W-2.
- Kwete-muridzi weimba anogara achida kugara: Vanokwereta vanopa zvikwereti zvepamusoro zvakadzama uye zvisingabatsiri mazwi kune avo vasiri muridzi vanogara nokuti mungozi wechikwereti ari akakwirira. Kana iwe usingadi kurarama muimba, usavimbisa kuti iwe unoda
- Kubhadhara zvipo zvipo, iwe uchadzorera: Vose mapato, mupi, uye mupi wemhosva vanopa chikwereti chekukwereta kana chipo ichi chiri kubhadharwa. Zvipo hazvikwanisi kubhadharwa.
- Kutengesa mutengo wekutenga: Kana uine zvibvumirano zviviri zvekutenga uye kutumira chibvumirano chenhema nemutengo wepamusoro wekutengesa kumunhu anenge achikweretesa achitarisira kuwana chikwata chepamusoro, iko kubhadhara chikwereti.
- Kunyengedza mari yacho: Vanokwereta vasingatendi vasina mari yakasimba yokuisa mari vanogona kutaura muchibvumirano chekuti mari yacho yaibhadharwa kunze kwekudzingwa, iyo inonyengera.
Professional Mortgage Fraud
Nguva yakareba yakashandiswa mubhizinesi haisi chivimbo chekuti "iwe mupi wezano wekutendeseka" haasi dambudziko. Imwe muPennsylvania yekutengesa mutengesi yakave nemakore makumi matatu nemasere mushure mekubiridzira vanopfuura vanokwereta 800 muPonzi scheme , iyo nenzira yakati yakachengeta mabhora ose mumhepo kwemakore makumi maviri. A Kansas City, Missouri, muchengeti wemhosva akareurura mhosva yekubhadhara chikwereti uye akatongerwa kwemakore makumi maviri mujeri, pamwe ne $ 500,000 akanaka. Zvirongwa zviri kuitika zuva rimwe nerimwe.
Mapepanhau akazara nenyaya dzakafanana.
Kunyengedzwa Kwemhirizhonga kuSacramento, California
Ndakabatsira mumwe mukomana nemudzimai kutenga imba mu Sacramento, CA, iyo yakanga yapinda mukufananidza uye, nengozi, yakagumburwa pane chirongwa chekubhadhara chikwereti. Zvaisava zvakaoma kuti zvive pamwe chete nemamiriro ezvinhu epfuura.
Ngatitaurire kuti yekupedzisira inotengeswa munaNovember kwe $ 600,000. Nhengo yekambani iyi yaive mutengesi wekutengesa mari isina tsanangudzo yekutengesa dzimba. Aimiririrawo mutengi. Kunyange zvazvo ini ndisina ruzivo rwekodzero yokuti mutengesi anotengesa mari akaronga mari, inenge ichiita sokuti inogona kunge yakagadziriswa, sezvo yakaronga chikwereti yaiva yebhizimisi rake guru.
Ndingafungidzira kuti kuwana mitezo miviri yeimba yekutengesa imba , pamwe nekugogodza zvikwereti zvekukweretesa - chiyero chaicho chiri nyore nyore kudarika madhora 40 000 - ingadai yakave iyo mari yekubhadhara chikwereti.
Imba yacho yakarongerwa kwemwedzi mina pasina kupiwa kwe $ 550,000, asi yakabva yatengeswa pa $ 600,000 - mumutengesi wemutengesi apo pfuma yezvivako yakanga ichidonha, kwete kuwedzera. Mutengi wacho haana kumbobvira atora nzvimbo yekuvhara asi panzvimbo pacho akairidzira.
Misiyano ye $ 50,000 yakaisa mapegi emumwe munhu. Izvozvo zvinogona kunge ari mutengesi wemari , uyo anodzidzira, mutengesi, mutengi, kana ose mana.
Mutengi akaunganidza hore uye haana kumbobhadhara chikwereti chekubhadhara chikwereti pa 100% -kubhadhara chikwereti chakakwana $ 600,000. Izvi zvakanga zviri nyore kuverenga nokuti kuvhara kweNovember kwaireva kuti kubhadhara mari yokutanga kutengwa muna January. Vatengesi vanowanzochengetedza mwedzi miviri kusvika mitatu mushure mekubhadhara vasina kukwanisika vasati vasvitsa Mutemo weZvirevo .
MunaMarch, Chiratidzo cheChina chakanga chakaiswa, uye imba yacho yakafanirwa muna June. Iko chikwereti chakadzinga vashandi ndokuisa musha pamusika munaJuly. Vatengi vangu vakatenga imba iyi munaAugust nokuda kwe $ 400,000.
Kana Iwe Uchifungidzira Mortgage Fraud
Kana iwe uchisvika kune unyanzvi hwekumba yemuzinda unokukumbira iwe kuti uite chikamu chekubhadhara chikwereti chekubhadhara chikwereti, rondedzera vanopomerwa kuFBI. Yeuka, kana zvinonzwika zvakanyanya kuti zvive zvechokwadi, zvinogona kunge zvakashata. Uyezve, zivai kuti kutora chikwereti kunopesana nemutemo uye kupomerwa mhosva. Kana iwe uchifungidzira kuti urikukumbira kuputsa mutemo, kana zvisingaiti, taura neyemumiririri wemhosva yepamusoro weimba kana kuti chiremera chekubvumira mvumo munyika yako usati waenderera mberi nemarongwa ako.