Nzira Yokuwana Nayo kana Muridzi Wenyu Ari Kutungamirirwa Nokufananidzira
Kana iwe uri kushamiswa nezvekodzero dzevarimi muzvakaitika, iwe wauya kunzvimbo yakarurama. Vaparidzi vane zvakanyanyisa izvo imba yadzo ingangotarisana nekutaridzirwa havafaniri kuparadza imwe miniti musati mawana. Pending foreclosures ndeyevanhu vakawanda. Asi semunhu ane renter, haufaniri kusangana nevanhu vanorangarira zuva rega roga kuti vaone kana mwene weimba yako ari kuita chikwereti chekubhadhara.
Kana iwe uri muridzi wekufunga nezvekubhadhara imba itsva, iwe unoda kuziva kana munhu (ivo) vanozviti vane pamba zvirokwazvo ndivo varidzi vemba.
Pane zvakawanda zvekubhadhara mari kubva kune con artists vachiita seimba yeimba. Iwe hausi kuda kumuka mangwanani mamwe owana huriff pamusuo wako, uchiti iwe unofanirwa kubuda kunze nokuti wakabhadhara renho kune scammer.
Itaurwa Kana Muridzi Wenyu Anopinda Mukutsvaga
Zvose zvine mitemo yakasiyana, asi mune dzimwe nyika, muridzi wekodzero ane kodzero yekukumbira kopi yeziso rekusiyiwa . MuNevada, semuenzaniso, iwe uchada kutora kopi yesungano yako yekutengesa newe. MuCalifornia, zviri nyore kwazvo uye zvisingabatsiri kuita, uye ani zvake anogona kuisa kopi yeziso rekusiyiwa.
Sezvo vazhinji vachitaura kuCalifornia, heino nzira yekukumbira kopi yeziso rekupera muCalifornia. Tarisa nemamiriro ako ega kuti uwane kuti ungazviita sei. Iyi ndiyo nzira yakanakisisa yekudzivirira kodzero dzako dzevaridzi mukutarisa.
Chikumbiro cheKeji yeChechi
Zvakasununguka muCalifornia. Kazhinji akachengeterwa junior bond holder kuti aziviswa kana chiitiko chekutanga chokutenga chinopinda mukugadzirisa, chero munhu, zvechokwadi, anogona kuisa chikumbiro chechiziviso chekusiya muCalifornia.
- Endai kune ForeclosureForum kuti muwane fomu, muzadze iyo pakombiyuta yenyu uye muipinde. Iwe unogonawo kukumbira fomu iyi kubva kumutezi webasa rekambani panzvimbo yekambani yako yepamusoro.
- Iwe unogona kubhadhara kuti uwane kopi yeshoko rekuvimba paIndaneti, asi nei? Dana kambani yepamusoro kuti uwane kopi yeshoko rekuvimba kwehangu. Iwe unoda mudiki, mubatsiri, nhamba yebhuku, bhuku uye peji ruzivo kuti upedze Chikumbiro cheKepa yeZveruzhinji zveChina. Idzi ruzivo runopiwa pamusoro pebasa rekuvimba. Iwe unogona kuwanawo ruzivo rwekuhofisi yako yeCentral Recorder.
- Iko fomu inofanira kunge ichinyorwa.
- Nyora fomu iri pahofisi yako yekodhi rekodhi.
- County Recorders vanyoresa kuti vanyore dhidhiyo, asi inodhura. MuSakramento, somuenzaniso, mari yacho ine $ 11 yeimwe peji.
Mushure mokunge Chikumbiro cheKevha yeZvirevo chakanyorwa munharaunda yako, kana muridzi weimba yako yekutengesa kambani asati apera, iwe uchagamuchira kopi yezveruzi ichocho mune tsamba.
MuCalifornia, foreclosures inotora anenge 3 1/2 mwedzi kuti ipedze kubvira pazuva raZvoti yeChina rakanyorwa. Izvi zvinofanira kukupa nguva yakawanda yekuwana nzvimbo itsva yekurarama, kupa muridzi wemba wako anobvumirana. Kana mutengesi ari kutengesa imba sekutengeswa pfupi, zvinogona kutora nguva yakareba kuti zvivhare, izvo zvichakupa nguva yakawanda yekuwana musha mutsva.
Vanoridzika Kodzero Mukushambadzira
Kodzero dzako sevashandirwi mukufananidzira dzinosiyana zvichienderana nekuti iwe wakasaina chibharo here kana kuti uri kutora mwedzi mwedzi. Maererano neThe Helping Families Kuchengetedza Misha Yadzo Yeimba Mumwedzi we 2009, vashandi pamwedzi-kusvika-mwedzi vane madiki masere makumi mapfumbamwe ekufamba, asi mamwe mimwe mitemo yakasiyana. Yeuka kuti kunyange kana mwene weimba yako asiri kubhadhara chikwereti, muridzi wechiripo achiri kudiwa mune dzakawanda nyika kuti arambe achibhadhara renti.
Vamwe vashandi vari mumamiriro ezvinhu ekudzivirira vanochengetedza kodzero yekupomera muridzi weimba mu Small Claims Court nekuda kwekukundikana kukudza izwi rechibharo.
Iwe unofanirwa kutarisa gweta kana sangano revaridzi kuti uone kana izvi zvingashanda kwamuri.
Kana iwe uchibvumirwa kupomera mhosva, apa pane mamwe mari yaungagona kukorazve:
- Makambani ekufambisa uye matori ekurenda
- Mari inoshandiswa kuwana imba itsva
- Kurasikirwa kwekuchengetedzwa kwemari
- Kusiyana pakati pemari yemazuva ano uye renha itsva
- Mutengo wekuchengetedzwa kwekuchengetedzwa kwemari
- Nguva kubva pabasa
Usanonoka kuonana nekwenyare kuti uwane mamwe mazano. Chikamu 8 vashandi, zvisinei, vanogona kudzivirirwa pasi pemitemo yakasiyana. Bata HUD.
Vashandi vanogona kudana muridzi wemba yavo kuti vaone kana vachigona kushandisa kuchengetedzwa kwavo kuchengetedzwa kwekubhadhara mari yekubhadhara, nokuti mune dzimwe nyika seCalifornia, kushambadzira kunobvisa chibvumirano chekurenda. Muchiitiko ichocho, kuchengetedzwa kwako kuchengetedza kwapera.
Cash for Keys
Kana imwe imba ichinge yapfuura kuburikidza nekufananidzwa uye zita rakadarika kune chikwereti, iva akagadzirira kunzwa kubva kumumiririri wemuteereri.
Vamwe vanoshandisa maqhinga eballball kuedza kuita kuti vashandi vaende kunze kwekare kupfuura mutemo unotora.
Imwe nzira yekugadzirisa inoshandiswa nomuparidzi ndeyokukumbira mari yekiki . Mumwe muridzi wekumba anogona kutora zvakakwana kuti abhadhara mari yegore rokutanga nekuchengetedzwa kwekuchengetedzwa pamusha mutsva. Iva nechokwadi chokuti chibvumirano kubva kubhangi chiri kunyorwa zvisati zvagadziriswa.
Nzvimbo yakagadzikana yekuita kunze kwekugadzirisa matanho ndeye National Low Income Housing Coalition. Sangano iri risingabatsiri rinoratidza nzira yekudzingwa panguva yekufanirwa, nyika nehurumende.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.