Mushure mekunge vatengesi vatora mari, chii chinotevera?
Nekubhadhara chikwereti (kana kubhadhara chikwereti), iwe pachako unotarisirwa kune chero chikwereti chisina kubhadharwa, uye uyo anokweretesa anogona kutora matanho ekuunganidza - kunyange mushure mokunge atora chikwereti. Nechikwereti chisingabatsiri, zvakasiyana, uyo anokweretesa haaine zvakawanda zvingasarudzwa, saka bhangi iri kutora ngozi yakawanda.
Dhaka uye Kuwanikwa Kwekutsvaga
Nechibvumirano chipi nechipi chezvikwereti, unobvumirana kubhadhara maererano nehurongwa hwakarongwa.
Semuenzaniso, chikwereti chemusha chinowanikwa pamwedzi uye chinowanzopedza makore 15 kana makumi matatu. Kana iwe ukarega kubhadhara, iwe unopedzisira uripo pane chikwereti . Zvichienderana nezvikwereti zvako (uye mutemo wenyika), vateresi vangave vane zvingasarudzwa zvekuunganidza pane chikwereti chisina kubhadharwa chikwereti.
Tora rubatsiro: kana iwe wakashandisa chibvumirano kuti uwane mvumo, vanokweretesa vanogona kutora nguva dzose kutora mari, kuitengesa, uye kushandisa mari yekubhadhara ivo pachavo. Mienzaniso yakajairika yechiito ichi inosanganisira kufanirwa nemari yekukwereta kumusha uye kubhadharwa kwezvikwereti zvemari zvisina kubhadhara .
Kushayikwa: nhamo, dhimoni haisi kugara uchibhadhara chikwereti chako chakanaka. Muchiziviso, iyo pfuma ingave yakakosha kudarika chikwereti chemari yakakwana, kunyanya kana misika yemumba yakashata sezvo chikwereti chakaitwa (chinozivikanwa sechiri pasi pemvura kana chakatsikidzwa-pasi ). Zvose zvakasara zvisina kubhadharwa - izvo zvinogona kusanganisira mari nezvikwereti zvinosangana nekutaridzika kana kudzorera - ndeyokushaya kukwana .
Ingave kana kwete uyo anokweretesa anogona kuramba achiedza kuunganidza kukanganisa kunobva kana kana kwete chikwereti icho chikwereti chekudzorera.
Hapana kubvunzurudza: kana chikwereti chacho chisingaiti chikwereti chikwereti, uyo anokweretesa haasi kunze kwematambudziko. Chero kushayikwa kwekodzero kunofanira kushandiswa nemunhu anokweretesa (kutorwa sekurasikirwa). Somugumisiro, zvikwereti zvisina kubhadharwa ndezvakaipa zvekukweretesa kune vanokweretesa.
Mabhangi achiri kupa zvizhinji zvezvikwereti zvisingashandisi, asi vanoedza kutarisira ngozi yavo. Semuenzaniso, iwe unogona kunge uine zvikwata zvepamusoro zvekwereti kuti uwane zvikwereti zvisiri zvekubhadhara, kana vatengesi vangada chikwereti chakaderera kukoshesa ratios kudzivirira ivo pachavo.
Recourse Loans
Kana chikwereti chiri chikwereti chekudzorera, vateresi vanogona kuramba vachiedza nekuunganidza mushure mokutora chikwereti. Munhu ane chikwereti angakunda kukundikana kwekutonga, iyo inenge iri mvumo yepamutemo inovabvumira kutora mamwe mabasa emurairo. Mabasa anoshamisa anosanganisira:
- Kokorodzano: uyo anokweretesa angakwanisa kukubvunza iwe kuti akumbire mari, kana uyo anokweretesa angatengesa chikwereti kune sangano rinounganidza richaedza kuunganidza
- Kuchengetedzwa: uyo anokweretesa kana sangano rekuunganidza anogona kuwana kodzero yekubvisa mari kubva mubhadharo yako (wako mushandi anofanira kubhadhara chikwereti) kusvikira chikwereti chako chabhadharwa
- Mitero: Vatengesi vanogona kutora zvinhu zvisina kumbobvumirwa kuti zvibvumirwe mune dzimwe nguva. Somuenzaniso, vatengi vanogona kukwanisa kutora mari kubva kubhangi yako yebhangi kana kuwana chido mune zveimba yako .
Izvozvi kuunganidza zvinogumira, saka taura neye gweta reko kana vatengesi vari kuedza kuunganidza pane kushaikwa. Semuenzaniso, vatengi vanogona kutora chikamu chekubhadhara kwako, uye chikamu ichocho chinoenderana nemamiriro ako emari - usarega kuti vatore zvakawanda.
Saizvozvowo, zvikwereti hazvigoni kutora mari nguva dzose kubva mubhengi rako rebhangi - unogona kukwidza nekugadzirisa kuti zvinowanikwa kwavari.
Kuziva Mhando dzeMari
Gara nemumwe mutongi wenharaunda kana muteresi wezvemitero kuti uve nechokwadi kana iwe une chikwereti chekudzorera kana chikwereti chisiri chekubhadhara. Zvisinei, unogona kushandisa mashoko aya pasi apa kuti ukurukure.
Mitemo yenyika inowanzotaurira kana chikwereti chiri chikwereti chekudzorera kana kwete. California inonyanya kuzivikanwa sehurumende isiri iyo inotora chikwereti ichiita kuti zvive nyore kune vanokweretesa kuti vasunge. Vamwe vanoti vanokweretesa vanogadzirisa maitiro avanoita zvinokanganisa, asi vazhinji vanokweretesa vanosarudza kusapomera nokuti vasina kukwereta vanokwereta kazhinji havana zvakawanda zvokupomera.
Kutenga zvikwereti zvekugara kwako kwekutanga kunowanzoita kuti zvikwereti zvisiri zvekubhadhara mune zvisiri izvo zvinoreva.
Refinances , yechipiri mari yekubhadhara , uye "mari" inotengeswa inowanzoita kuti zvikwereti zvikwereti (kunyange kana iwe waimbova nemari yausingaiti).
Mune mamwe mazwi, unogona kutenga imba uye chikwereti chekutanga hachiri kubhadhara chikwereti - asi chero zvikwereti zvakare zvaunowana uchishandisa zvikwereti zvakafanana zvikwereti zvinowanikwa.
Recourse Loans and Taxes
Kana zviitiko zvisingaiti, mutoro wako wekutere unogona kuvimba kana iwe usina chikwereti chekudzorera. Nyanzvi yedu yemitero inokurukura nyaya idzi munyaya yake: Foreclosures uye Mitero . Zvakare, zvakakosha kuti mutaure nemumwe mutungamiri wemutero wemunharaunda musati maisa pasi kuitira kuti muwane zvose zvese zvakarurama.
Nzira isina kukwereta chikwereti ndeyemashoko akanaka kana iri pamusoro pezviito zvisingakwanisi izvo vatengi vanogona kutora. Zvinosuruvarisa, iwe unogona kuwana mutero usina kutarisirwa mutero nokuda kwechikwereti chisina kubhadharwa.