Muverengi anobvunza kuti: "Tinofanira kurega kutora mari yedu yekubhadhara apo imba yedu iri pamusika sekutengesa pfupi ? Takaedza kuita shanduro yezvikwereti nekweretesa yedu, asi kushanda kwedu kwakarambwa nokuti takanga tiripo. Dai takanga tisingakwanisi, zvingatibatsira.Asi isu tine chikwereti chakawanda kupfuura imba yedu yakakodzera, ndakarasikirwa nebasa uye ndisingakwanisi kuramba ndichibhadhara.Ungatibatsira here? "
Mhinduro: Kutanga, regai nditaure kuti mwoyo wangu unobuda kwamuri. Ndinotaurirana nevatengesi vashoma vatengesi munzvimbo yenyu zuva rega rega uye vanoona kuoma kwevatengesi kusangana. MuSacramento, kwandinoshanda, zvinopfuura hafu yekutengesa muna 2008 zvaive zvishomanana kutengesa uye foreclosures , uye izvi zvakaratidzwa mune dzimwe nzvimbo dzakawanda dzenyika. Iwe hausi woga.
Hapana, kunze kwegweta, anogona kukuudza kana iwe uchirega kuisa chikwereti chako chekubhadhara mari - kunyanya kwete vashandi vemajeri , nokuti hatina mvumo yekupa mazano emutemo. Iyi ichisarudzo chavo pachavo izvo vatengesi vanoda kuzvigadzirira ivo pachavo. Pane zviitiko kana iwe ukarega kubhadhara. Hezvino zvinhu zvishomanana zvingafungidzirwa:
Uri Kuda Kuenda Nokutsanangurira Here?
Kazhinji, vateresi havazobvumiri kutengesa kutsva kusvikira mutengesi achitsvaga mutengi, asi iyo inenge ichichinja. Ziva pachena kuti hapana chivimbo chokuti unokwereta achabvuma kutengeswa pfupi, uye kwete muripo wese anotarisirwa kuti urege kutengesa nekutengesa kutsva.
Kana iwe uchitanga kushambadzira kwenguva pfupi uye urega kuita zvikwereti zvako, kana kutengeswa kushoma kuchirambwa uye iwe haugoni kuita mhemberero dzakare, iwe unogona kuzviwana iwe pachako uchingorasikirwa neimba yako kuburikidza nekufananidzwa . Vazhinji vatengesi vashomanana vanopinda nepurogiramu nemafungiro ekuti kana uyo anokweretesa asingabvumi kutengeswa kwepfupi, ivo vakagadzirira kubvumira imba yacho kuenda.
Makomborero Okuita Mari Yenyu Kubhadhara Munguva Yokutengesa Pfupi
Kana iwe uchikwanisa kupedza kuramba uchigadzirisa apo imba yako iri pamusika, zvingave zvakakunakira iwe kuti uite saizvozvo nekuda kwezvikonzero izvi:
- Mvumo Yokutenga Imba Idzva .
Mirayiridzo yeFannie Mae, yakabudiswa munaAgasti ya2008, inoti munhu akwereta anogona kutengesa imwe imba pakarepo mushure mokutengesa pfupi kana uyo akakwereta asina kumbobvisa, anoenderana ne "kunyanya kutora chikwereti chekubhadhara mitemo," uye haafaniri kubhadhara chikwereti chiduku chekutengesa , kusanganisira kushayikwa kwekutongwa .
Zvakaoma kuwana mukwereti uyo achazviita, asi pane mabhanga maduku ane portolios avo avo vasingatengesi kuna Fannie Mae uye vanogona kutora chikwereti ichocho. Kune rimwe divi, mitemo yeFHA inoti kana mutengi asina kumbobvira apera, FHA ichaita chikwereti pakarepo mushure mekutengeswa pfupi. HAFA 2013 mirayiridzo inobvumira vanokweretesa kuti vanyore mari yakabhadharwa muZvitsa, saka izvo zvinoita musiyano mukuru pamushumo wechikwereti .
- Chengetedza Chikwereti
Kuchengetedza chikwereti chenyu chekuita zvekare chinobatsirawo chikwereti chako nokuti chikwata chako chekwereti hachati chiratidze chero mari yekupedzisira. Ziva kuti kune chikwereti chingave, zvisinei, ichitaura nezvekutengeswa kwako kwekambani seCredit Score Factor Code # 22, iyo inenge ichiri kurasa FICO yako.
- Rugare rweMangariro
Kusasara shure kwekubhadhara kwako kunoita kuti zvive nyore kune vamwe vatengesi kuti vatarisane nekutengeswa kwenguva pfupi nokuti kushorwa kwekunyadzisa hakusipo, uye vanorara zviri nani usiku.
- Cancel Without Penalty
Kana imba yako isingatengesi kana chikwereti ichiramba kugamuchira chipo chinobva kune yako shoma shopu, muCalifornia, somuenzaniso, iwe wakasununguka kuregera rondedzero uye kuchengetedza imba yako isina mhosva.
Zvikonzero Zvokurega Kuita Mari Yako Yokubhadhara Munguva Yokutengesa Pfupi
Vamwe vatengesi vari kutarisana nematambudziko makuru emari uye havakwanisi kusarudza kana vachiramba vachiita mari yekubhadhara mari. Vamwe vatengesi vanorega kuzvipira nemaune.
- Zvimwe Zvinokurudzirwa KwemaBhangi Kugamuchira Mazana Madiki
Kunyange zvazvo zvisingakoshi kuti urege kuvapo pamberi pebhanhire ruchafunga nezvekutengeswa kwemafupi, mafaira anonyanya kukosha ndeawo asina kukwana.
- Vatengesi Hazvikwanisi Kubhadhara
Iwe haugoni kunyanyisa ropa kubva pabheet, kunyange zvazvo ndinoziva mabhangi akaedza. Kazhinji, kana munhu akakwereta akatarisana nenhamo yechokwadi uye asina pfuma kana nzira yekuita mari yekubhadhara mari, uyo anenge asingakwanisi kuedza kuedza kumanikidza anenge akwereta kubhadhara chero ipi zvayo. Hazvireve kuti chikwereti hachina kodzero yekushayikwa kwekutongwa , kana mamiriro ezvinhu achibvumirana.
- Bvuma Funds Kuti Uende
Zvinonzwisisika kuti kana iwe usingiri kubhadhara bhangi, mari iyo inowanzogoverwa kune iyo mari inogona kushandiswa kubhadhara kutanga, yekupedzisira uye kuchengeteka kuripo pabhadharo.
Dhigiridziro Kuenda Mukusingaperi Panguva Yakatengeswa Pfupi
Hapana kana kudya kwemasikati. Nepo vamwe vanotengesa vanofara kubva kubva pamba mukufananidzira, vamwe vangada kuzadzisa kutengesa kutsva uye vanotya kufunga kwekufananidzira.
- Chikoro Chekwereti Chaigona Kutambura
Nguva shoma yokutengesa uye kutengesa kunobata chikwereti . Mukuwedzera kune Credit Score Factor Code # 22, uyo anokweretesa angapawo mari yako yokubhadhara chikwereti kune zvikwereti zvekwereti . Vamwe vanokweretesa vanogona kurondedzera kutengeswa pfupi zvakabhadharwa zvakakwana kana wapedza HAFA kutengeswa kwemashure mushure me 2013, izvo zvisingasvibisi chikwereti chako.
- Yakadziviswa Kubva Imba Idzva
Kunyange zvazvo ini ndinotarisira mitemo inogona kuve yakasununguka zvishoma nekuda kwekuwedzera kwenhamba yekumbotengesa uye kutengesa kwenguva pfupi, panguva iyo, vateresi vane 60 -zuva-nguva yekupedzisira-yebhasi kana yepamusoro inotarisirwa naFannie Mae kurindira makore maviri kutenga imwe imba. Ndarama 1 Chikwereti muCalifornia inopa nyaya-in-case nguva yekumirira vanokwereta vane zviyero zvakasiyana. Mamwe mazano eHAFA anobvumira kutengesa zvakare. Taura nemushandi wako.
- Imba Yakashata Kuenda Kunopera
Kana iwe usingakwanisi kuita mitsva yekare shure kwekutengeswa kwemutereti kana kuti kutengeswa, iwe unogona kurasikirwa neimba yako kubhangi.