Vatengi vaizorega shure mushure mekuedza kwakawanda.
Nhasi, ndinofara kutaura kuti mabhengi anoita seakashandura kona. Nepo kune zvikwereti zvekusawirirana, pamusoro pese, mabhenji nemakambani ekubhadhara mari anoita sevari kuita basa rakanyatsovimbika yekuwana vatengi vavo kuburikidza nekugadzirisa pasina kunyanya kunetseka.
Vakawanda vevashandi vedu vanouya kwatiri pangozi yekusvitsa . Dzimwe nguva vanenge vasina kuziva mikana yavo yekuchinja zvikwereti zvavo. Dzimwe nguva vanonoka vasati vaedza kuchinja. Dzimwe nguva, mabhangi anoenderera mberi nekutengesa kunyange zvazvo vatengi vavo vari kuedza kutengesa imba yacho, kuwana refinanced, kana kuti vatanga kushandurwa kwekuita. Tinoshandisa chikwereti chekubhadhara kuitira kuti tibatsirwe nekutsvaga kwekutsvaga , chirongwa chinogadziriswa kuti chigadzire izvi zvakatangira uye zvimwe zviito zvekuunganidza, kupa zvikwereti (ndizvo zvatinoshevedza vanhu vanoisa bankruptcy matambudziko) zvishoma kufema nzvimbo, uye kana kubvisa zvakawanda kana zvose zvimwe zvikwereti zvavo kuburikidza neChitsauko 7 , kana kuti kuvamisa paurongwa hwekubhadhara muChitsauko 13 iyo iyo isingatauri chete mari yavo yekubhadhara mari asi mamwe mabasa ezvimwewo.
Iyo federal modification program inonzi Home Affordable Mortgage Program kana HAMP. Muchikamu chino, tichaona kuti HAMP inogona kuitei, uye kuti inoshanda sei mumusangano wekudarika.
Saka Ndechipi Kusiyana pakati peRefinance uye Kuchinja Kwechikwereti?
Kana uchida mazwi matsva kana nzira yekuita kuti imba yako iwedzere kutengesa, une zvisarudzo zviviri: kugadzirisa kana kuchinja.
Kunatsiridza kunotsiva chikwereti chekare kune imwe itsva zvachose. Kazhinji, kugadziridza kwakagadzirirwa kuderedza chikwereti chechido kana kuti kushandura zvinyorwa zvisingabatsiri, sechirongwa chinogadziriswa, kune mamwe mazwi akanaka. Inogona kuzadzikiswa nekweretesa ikozvino kana chikwereti chitsva zvachose. Zvinoda kuti akakwereta ave akakwereta uye kuti kukosha kweimba yacho hakuna kuderera kuitira kuti chikwereti chiri pasi pemvura (uyo akwereta ane chikwereti kupfuura zvakakodzerwa neimba yacho.
Ichinoshandurwa chinoshandura maringe emutengo wemari yazvino. Icho hachidi kuti chiyero chakafanana chechikwereti icho chekugadzirisa chinoshandiswa, kunyange zvazvo anenge akwereta anofanira kuratidza kuti achava nemari yakakwana yekubhadhara. Kutaura zvazviri, chirongwa chokugadzirisa chikwereti chakagadzirirwa kubatsira varidzi vepamba avo vakatambura neimwe nzira yemari yekuchinja. Inogona kuva yekusingaperi kana inogona kunge iri pfupi kana pane chimwe chikonzero chokufungidzira kuti mamiriro ezvinhu akwereta achachinja. Iko kune nguva yakawanda kuchinja mune izvo zvinokweretwa nemunhu anokwereta kuti aite kuti chikwereti chiwane mari, asi chikwata chekufarira chinowanzova chakakwirira kudarika chikwereti chinogona kupinda mukunatsiridza.
Unogona Here Kuwana Kuchinja Kwechikwata Munguva yeBanruptcy Case?
Ehe. Muzvokwadi, vazhinji vevatengi vangu vakabudirira kugadzirisa zvikwereti zvavo uye vakabuda kubva kubhengi nemadhora mashomanana uye kubhadhara uye kubhadhara mari.
Ndiani Anokwanisa Kufanirwa Nokugadziriswa Kwechikwata?
Izvi zvinoenderana nebasa rako uye kana chikwereti chako chiri chebhangi, kambani yekutengesa, kana chimwe chinhu chakafanana naFannie Mae kana Freddie Mac. Mumwe nomumwe ane zvaanoda uye zvinotarisirwa. Asi kazhinji, iwe ungangove wakakodzera kana
- Iwe uri kushandisa mari inopfuura 31% yemari yepamwedzi pamwedzi pamusoro pemari yeimba (kubhadhara chikwereti, inshuwarisi, mitero yemapurisa, vagari vomunharaunda vanobatanidzwa).
- Iwe unenge usingafananidzi kubhadharwa kwekwereti.
- Iwe unenge uri munhu anonyadzisa kana uri pangozi yekusakonzerwa nekuda kwekuchinja mune zvemari mamiriro.
- Kukosha kweimba kwakaderera, uye iwe unokwereta kupfuura imba yakakodzera.
HAMP kugadziriswa kunogona kushandiswa kugadzirisa zvikwereti pazvivako zvekugara uye zvimwe zvekuvakirwa.
Chii chinonzi Mortgage Modification Intail?
Kushanda
Chokutanga ndechekushanda. Vazhinji vateresi vachada uchapupu hwekuwana mari yekuvimbisa kuti uyo anenge akwereta anenge ane mari shoma yekugadzirisa zvikwereti. Vazhinji vatengesi vachadawo chikwata chekwereti, kunyange pasina huwandu kana huwandu hwekwereti chikoro chinodiwa. Izvi zvinowanzotarisa kuti ndezvipi chikwereti chakweretwa chinofanira kushanda mwedzi woga woga.
Trial Payments
Chechipiri ndiyo nguva yekuedzwa. Pane imwe nguva mapepa acho apera, uye uyo anokweretesa anoratidza kuti akakwereta angangodaro akawana zvishoma zvaanoda, uyo anenge akwereta achapiwa mukana wekuita mitsva yekuedza kuripa. Nhamba mitatu ndiyo nhamba yandinoona kakawanda.
Kana imwe nguva kutongwa kwemhosva kwave kuchibudirira kubudirira, uyo anokweretesa achaita chisarudzo chokupedzisira pamusoro pekugadziriswa uye anopa kuchinjwa kune akakwereta.
Ndezvipi Zvine Mwero Zvichachinja?
Chinangwa cheHAMP chichigadziriswa ndechokuita kuti chikwereti chibhadharwe kune akakwereta uye kudzivirira kune chikwereti kubva pakurasikirwa chero kupfuura zvaanoda. Uyo anokweretesa anogona kushandura chero chero yemashoko ekubhadhara anosanganisira
- Kupedza chikamu chekufarira
- Kutenderera chikwereti kubva kune chigadziriso chinogadziriswa kusvika pane yakatarwa
- Kuwedzera urefu, somuenzaniso kubva pamakore makumi matatu kusvika ku40
- Kuwedzera mheteti kumucheto kumashure kwechikwereti
- Sarudza zvimwe zvekutanga
- Kanganwira vamwe vevakuru
Ko Zvakadini Nokugadziriswa uye Kukanganisa?
Apo mumwe munhu akasaisa chikwereti chebhengi, dare rekudarika rinotora kodzero pamusoro pezvose zvinogunzva pamari yemafuta. Munhu ane chikwereti (ndizvo zvatinoshevedza munhu anokonzera kukanganisa) anobvumirwa kupfuurira kushandiswa kwezuva nezuva sekutenga zvekutengesa uye kubhadhara mabhizimusi ehurumende, zvinhu zvatinoti "inowanzoita bhizinesi."
Kuchinja kwechikwereti haisi "kazhinji yebhizimisi." Pasinei nokuti dare rinoshandiswa kubhadhara rinofanira kutora matanho ekubvumirana nekushandurwa kunobva pane chikuru chikamu kana nyaya yacho chiri Chitsauko 7 kana Chitsauko 13. MuChitsauko 7, iyo inowanzopedza mwedzi mana kusvika kumitanhatu, vamwe vanokwereta vachakumbira chikwereti kuwana dare kugamuchirwa. MuChitsauko 13, munhu ane chikwereti anogara achidiwa kuti awane mvumo yematare pasinei nokuti mutengi anodei kana kwete. Kuti agamuchire dare iroro, gweta rekwereti richada kutumira chirevo nedare.
MuChitsauko 13 , munhu ane chikwereti anopa chirongwa chekubhadhara chikwereti chake nekubhadhara kune mutasitiri anopa mari inogamuchirwa kune vane chikwereti vakapa zvikwereti zvakakodzera . Chirongwa ichi chinofanira kusanganisira mamwe marudzi emari chikwereti sekuda kwekubhadhara mitero yemari kana kutarisirwa pamba kunotsigira sekutsigirwa kwevana uye alimony. Inogona kusanganisira zvikwereti zvinokweretwa nekambani yekutengesa uye chikwereti chakachengetedzwa semotokari uye midziyo.
Nokuti munenge mumamiriro ezvinhu ose, mari yekubhadhara mari inenge ichishandiswa pakugadziriswa, gweta rezvemutoro richadikanwawo kutumira chirevo chokugadzirisa chirongwa cheChitsauko 13 chekubhadhara kubvisa zvizere. Zvichienderana nezvimwe zvinokweretwa nemunhu anenge aine chinangwa chokuita neChitsauko 13 kuronga - kuripa chikwereti chakanyanya kufanana nemitero yakangobva kuwanikwa kana kutsigirwa kwevana, kana kuti kubhadhara motokari zvisingakwanisiki nekuisanganisira muChitsauko 13 chirongwa - ane chikwereti angasarudza kuti Chitsauko 13 nyaya hachichidi kudiwa kana kubatsira. Panguva iyoyo, anogona kutarisa kana zvingave zvakakosha kuchinja nyaya yacho kune imwe pasi peChitsauko 7, kana kuitora zvachose.
Iyo Inoshanda Sei Mukudarika Nyaya
Heano muenzaniso: Ngatitaurei kuti muteresi akaisa Chitsauko 13 uye akabatanidza $ 5,000 munguva yapfuura nekuda kwekutenga chikwereti. Pashure peChitsauko 13 nyaya yacho inoshandiswa, munhu ane chikwereti anoshandisa kugadzirisa chikwereti nekambani yake yekutengesa. Apo ari muChitsauko 13, anoramba achibhadhara kuChitsauko 13, iyo inosanganisira $ 5,000 inokweretwa nekambani yekubhadhara mari.
Ngatiti gore rinotevera nyaya yacho inoshandiswa, kugadziriswa kwekwereti kunogamuchirwa. Panguva iyoyo, uyo anokweretesa akabhadharwa $ 1 000 kuburikidza nekubhadhara kune Chitsauko 13 mutongi. Kuchinja kwechikwereti kunosanganisira $ 4,000 inoramba iripo pamusana pemari inotevera.
Munhu ane chikwereti haadi kuti awedzere "mari" yakawedzerwa kuti aende kumakambani anotengesa, saka gweta rake rinofanira kuita zvinhu zviviri. Chokutanga, gweta rinotumira hurukuro nedare rekudarika richikumbira dare kuti ritsigire kugadzirisa chikwereti chekwereti. Dzimwe nguva kutenderera kunofanira kuiswa kunzwa pamberi pomutongi. Dzimwe nguva zvinogona kunge zviri pafaira nokuda kwehuwandu hwemazuva - kazhinji mazuva makumi maviri nemaviri - kubvumira chero ani zvake anofarira kurwisa. Kana pasina chikamu chiripo, uye mazwi aya anofarira kune akakwereta, zvinonyanya kuitika kuti mutongi we bankrupt achabvuma. Kana chikamu chichida, iko kuchinjwa kuchagadzirirwa kunzwa kubvumira mapoka ose kupupurira nekupikisa mutongi.
Pane imwe nguva iye ane chirongwa kubva murugendo achibvumirana nekugadziriswa, uye uyo ane chikwereti anonyatsopindira muchibvumirano chekugadzirisa, gweta rake richakumbira dare kuti richinje marongerwo ehurongwa kubvisa chikwereti kune kambani yekubhadhara mari. Izvi zvinosanganisirawo chirevo. Izvo zvinenge zvakafanana nechinangwa chekugadzirisa chikwereti. Chirevo chacho chinogadzirirwa kunzwa, kana chinogara pane faira kwenguva yakati kuti kupa vateresi mukana wekuzvidzivirira uye kuramba, kana zvakakodzera.
Kana uyo ane chikwereti anogona kukanganisa urongwa hwekugadzirisa hutano uye ape chirevo chekutendeukira kuShitsauko 7 kana chirevo chokuregedza nyaya yacho, zvichienderana nezvimwe zvinokweretwa nemunhu anokweretesa mumari yake yemari. Dzidza nezvekugadzirisa software .