Nzira Yokurapa Chizivo Chekutsvaga uye Reinstate Kodzero Dzimba
Tsanangudzo: Vatengesi vanyorera mune zvinyorwa zvevanhu apo nzvimbo yacho iripo chiziviso chevanhu chinonzi "Notice of Default". Mushure mokunge Chiziviso cheChina chisingazivikanwi chakaiswa, ndeipi kodzero chaiyo iyo mwene weimba ane? Chiratidzo cheChina chisina matanho ndiro danho rokutanga rokutaura . Mune dzimwe nyika, Chiziviso cheZvirokwazvo chinowanikwawo kumba, kazhinji pawindo remberi, sechinyorwa chitsvuku chinonyadzisa. Inotaura kuti uyo anenge akwereta haasipo, mushure mekubhadhara chikwereti chekubhadhara mari, uye kana chikwereti chisati chabhadharwa, mukwereti achabata imba.
Nhanho Dzakawedzerwa Kuti Uve Necherechedzo Yezvokufa muCalifornia
MuCalifornia, vanokweretesa havawanzofambisi Chiratidzo cheKushata kusvikira uyo akwereta anenge mazuva makumi mapfumbamwe apera mukugadzira chikwereti chekubhadhara. Kana munhu akakwereta akashaiwa 2 mari uye mazuva makumi matanhatu apera, panguva iyo mabhanki akawanda anogona kutumira chiziviso chemazuva makumi matatu, izvo zvinotarisirwa nomutemo kuti vaite vasati vatumira Chiziviso cheZvirevo. Zvaiwanzoita kuti anokweretesa aigona kutumira Chinyorwa cheZvirevo pese pazvaida, asi mitemo yakagadziriswa kuti kutarisa kwekutaura kuti vateresi vane kodzero yekutora chiziviso chemazuva makumi matatu isati yasvika pakanyorwa kweChitsauko cheDhigiri.
MuCalifornia, vatengi vanofanira kumirira mazuva 90. Munguva iyoyo 90-mazuva, uyo anenge akwereta ane kodzero yekuita mari yekudzokera uye kudzorera chikwereti. Kana munhu akakwereta akaenzana , dzimwe nguva chinhu chakanaka chaanoita ndechokuisa imba pamusika uye kuedza kuwana mutengi. Kana mutengi aripo uye mutengi ari mubhadhari, mutengi anofanira kutevedzera Equity Sales Act kuti asangane nemitemo yekuchengetedza panzvimbo iyo inodzivirira muridzi wemba ari kutora musha asina kukwana.
Kana zvisina kudaro, muridzi weimba anochengetedza kodzero yekupedza kushandurwa kwezita mukati meimwe nguva.
Pashure pemazuva makumi mapfumbamwe apera, mutengi anokwidziridzwa kubudisa chiziviso kwemazuva makumi maviri, panguva iyo iyo nzira chete iyo mwene weimba angagumisa kuzarura ndeyokubhadhara zvakakwana chikwereti. Mushure memazuva makumi maviri, mutengesi angatengesa iyo nzvimbo kumunhu anonyanya kugamuchirwa pamutambo wedare.
Kana pasina bhizimusi rakagamuchirwa rakagamuchirwa, mutarisi ndiye anounza zvinhu kune uyo anokweretesa. Dzimwe nguva vatengesi vanoita bhizimisi rekuzarura zvakanyanya zvokuti hapana munhu achauya kumba, uye izvi zvinobvumira muripo, maererano nemabhizimisi ekumusha, kuchengetedza imba yakatarwa muzvinyorwa zvayo pamabhuku ekukosha kwayo kwepakutanga kwekuverenga, izvo zvinowanzodzivirira mari yebhangi inokosha.
Kuziva Kwekusachinja Kunobatsira Sei Kutengesa Pfupi?
Bhuku reCalifornia Musha weZvikwereti rakabvumira vaviri kutevera mukutsvaga kwekutsvaga , kutevera kusatidzira, kusvikira munaJanuary 2018. Zuva iroro risati rasvika, kushanda kwekutengesa pfupi hakuregi chiito chekutsvaga. Kubudiswa kwekutsvaga kwekutsvaga kwekutsvaga kwekutengesa kwekambani kwakagadziriswa kaviri kuteverwa kusati kwaJanuary 2018. Izvi zvaireva varidzi veimba vaitarisira kuita zvishomanana kutengesa kutanga basa racho pakarepo, pamberi peChitsauko cheDhigirii, kumisa nhangemutange pakatarisana neawa.
Kunyange zvazvo chikwereti nguva dzose yakachengetedza chisarudzo chekumira chiito chekufananidzira , chakanga chisingadiwi kuita saizvozvo. Muzvokwadi, vamwe vashandi, zvakadai sehurumende dzakabhadharwa nehurumende dzakadai saFannie Mae naFreddie Mac, nguva dzose vaifamba nekutaridzika kudai iyo ndiyo yakakurumidza kusarudza uye zvichida kubhadhara mari yakawanda kudarika kushambadzira pfupi.
IPSA yevamwe zvikwereti zvinowanzogadziriswa zvine mari yekurudziro inokurudzirwa kufambiswa kwekutengesa kutsva pamwe chete.
Ngatisarege kukanganwa inshuwalense ye mortgage , iyo inonyatsotenderwa pamutemo. Iyi ndiyo apo munhu anokweretesa anotora pachake mortgage yunivhesiti asina kuzivisa akakwereta. Iwe unogona kushamisika kuziva kuti makambani aripo nokuda kwechinangwa choga chekusimudzira zvikwereti zvisina maturo, uye mamwe emabhangi anotaridzirwa kuti ane zvikamu zvee mortgage inshuwarisi makambani. Kana munhu akakwereta achitsvaga kutengeswa kwenguva pfupi, kambani ye inshuwarheni inogona kutoda kubhadharwa kwakanyanya zvokuti kutengeswa kwegungwa hakugoneki. Mune dzimwe mitsara inogona kunzi sabotage.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.
Uyewo Anozivikanwa se: Reinstatement period, chiziviso chekutengeserana kwevanhu, chiziviso chekuvhara
Common Misspellings: zveruzhinji zve defult