Kunyangwe iwe unogona kungoramba uchibhadhara chikwereti chako paunenge uchimirira yemusika kuti uvandudze, iwe unogonawo kuva nemukana wekunatsiridza nekuvandudza mari yako yekutengesa.
Imwe nzira, hurumende inotsigirwa neHome Affordable Refinance Program (HARP), yakawedzerwa kuburikidza naDecember 31, 2018.
Negative Equity Mortgage: Chii Chandinosarudza?
Vakawanda veimba yehurumende vane hutano husina kunaka vangada kugadzirisa, asi imba yavo, pamwe chete neinoita seyeumwe munhu wese, inokosha kudarika iyo yaimbova. Zvichida iwe wakasvika kune mabhandi mashomanana kuti ugadzirire imba yako, asi ivo vakati chikwereti chako chekubhadhara (LTV) chikakanyanya. Mune mamwe mazwi, imba yako yemari yekubhadhara chikwereti yakakura zvikuru chikamu chemari yeimba yako ikozvino yakatarwa, kana chaizvoizvo inodarika iyo. Nenzira yakanaka, iwe unenge uine zvishoma zvingasarudzwa.
Zvinokwanisika kugadziridza zvakaipa, kana "pasi pemvura" kutengesa, kunyange zvazvo zvisiri nyore nyore. Iwe une zvisarudzo zviviri:
- Edza kugadzirisa kushandisa rimwe remapurogiramu anobatsira vemunharaunda yehurumende.
- Uya nemari yekuvhara, izvo zvisingakwanisi kune vimba veimba vakawanda.
Somugumisiro wematambudziko emba, hurumende yakagadzira mapurogiramu akawanda kune vimba veimba vanotarisana nenguva dzakaoma.
Aya mapurogiramu anokubvumira kugadzirisa kunyange kana iwe uine kuenzana kusina kunaka kana kuti yakakwirira kwazvo LTV chiyero. Muzviitiko zvizhinji, iwe unofanira kunge uripo pane yako yekubhadhara mari. Kana iwe uchitanga kushayikwa mari, inogona kukuregeredza iwe kubva kune dzimwe hurongwa hwekukweretesa.
Refinancing Programs
Ndeipi purogiramu yekunatsiridza yaunofanira kushandisa? Izvo zvinoenderana nekuti iwe wawana sei chikwereti chako chemari, kana kuti kunyanya zvakanyanya, zvinotarirwa kuti ndiani iye zvino ane chikwereti chako.
Vanokwereta vanogona kuwana kuti chikwereti chavo ndeye Fannie Mae kana Freddie Mac. Izvi zvinobvira kunyange kana usina kumbobvira uchinzwa nezvemasangano iwayo, saka chirongwa cheHARP ndiyo chete nzira yekugadzirisa zvikwereti izvi.
Kana chikwereti chako chisina kutsigirwa naFannie Mae kana Freddie Mac, unogona kutsvaga zvimwe zvakasiyana-siyana zvekugadzirisa zvirongwa zvinowanikwa pasi kana kuti pasina-kuenzana refinancing, zvakadai seFHA Streamlined kana VA Streamlined loan refinance programs. Muzviitiko zvizhinji mazvirongwa izvi hazvidi zvinodiwa neTVV uye hazvidi kuti uongorore hutsva, saka chikwereti chacho chinobva pahutengo hwepamba chako, izvo zvinogona kuita mutsauko wose.
Imwe Sarudzo: Kubhadhara Kuderera Kwechikwereti
Pane imwe imwe nzira yekugadzirisa nekusagadzikana kusina kunaka, uye ndiko kuribhadharira mari kuti uunze mari yako yemari chikwereti, pedyo neimba yako yemazuva ano. Iwe uchaderedza chikwereti chako chaunokwereta nekuita chikwereti chikuru kune chikwereti chako kana nekubhadhara mari pakubvumira kana iwe uchigadzirisa.
Nzvimbo yako yakakwirira yeLLV yepamusoro inenge yakakudzivirira kuti urege kugadziriswa kubva kune chikwereti chikwereti. Kana iwe uine chikwereti chakaenzana chekuenzanisa, uri kukwereta kupfuura imba inokosha, uye vazhinji vanokweretesa havadi kutora dambudziko iroro.
Kana iwe usina kukwereta pane chikwereti, uyo anokweretesa haangakwanisi kubhadhara zvakakwana, kunyange kana vakatengesa imba yako.
Somugumisiro, vazhinji vanopa chikwereti vanongopa chete kugadzirisa kana iwe uchibhadhara pasi chikwereti chekukwereta kuti uite chikwereti chinokwanisika chekukwereta-ku-chiyero kana kuti kumirira kusvikira imba yako yekutengesa mari ichikwira zvakare, ichivandudza chikwereti chekukwereta-ku-chiyero.
Zvinosuruvarisa, nzira iyi inoda kuti iwe uwane chikamu chemari yemari. Kana iwe usingakwanisi kunyora cheki chikuru, hurumende yekugadzirisa zvirongwa zvingangodaro iwe sarudzo yako chete. Purogiramu yeHURP inokurudzira vagari vomunharaunda kuti vashandise zvakare, kunyange kana vakave vakasiyiwa pasi saka zvakakosha kutora danho rinowedzera.
Kana iwe wakaneta zvikwereti zvose zvekubhadhara uye usingakwanisi kugadzirisa, unogona kunge uchikwanisa kuvandudza mamiriro ako ezvinhu. Bvunza iwe chikwereti chako kana iwe ukakwanisa kugadziridza chikwereti , kana kuti ane mamwe mazano kwauri.
Vazhinji vateresi vangada kushanda nevakweretesa kuti vawane nguva dzose kubhadharwa panguva yakatarwa pane kuti anenge akwereta asina kukwana kana kusiya mari yavo.
Bvunzurudza nezvekushandura mitemo yechikwereti chako kuti uone kana muripo wako ane zvimwe zvingakubatsira kuti urambe uripo pane zvekutora chikwereti chako.