Kodi kampani yobwereketsa nyumba ingakane kulipira?
Kutengerapo nyumba ndi ntchito yomwe wobwereketsa kapena wobwereketsa amapereka ngongole yomwe ilipo (ngongole yogula malo - nthawi zambiri okhala - pogwiritsa ntchito malowo ngati chikole) kuchokera kwa eni ake kupita kwa munthu wina kapena bungwe. Eni nyumba omwe sangathe kubweza ngongole zawo zanyumba atha kulembetsa kusamutsidwa kuti apewe kusakhazikika komanso kulandidwa.
Wogula angafune kutenga ngongole yakale chifukwa kusamutsidwa koteroko kungawalole kupezerapo mwayi pa chiwongola dzanja cham'mbuyomo, chomwe chingakhale chotsika kuposa mitengo yamisika yamakono. Kutengerapo ngongole yanyumba, ngati kuchitidwa bwino popanda zovuta kapena zovomerezeka, sikungasinthe mawu kapena nthawi yangongole, ndikusiya ndalama zomwe zatsala. Posamutsa ngongole yanyumba, wogulayo angapewenso kulipira ndalama zotsekera zomwe zimagwirizanitsidwa ndi kugula nyumba ndi ngongole yatsopano.
Sikuti ngongole zonse zanyumba zitha kusamutsidwa. Ngati zili choncho, ngongoleyo imanenedwa kuti ndi "yoyenera." Kusamutsa ngongole yanyumba, wobwereketsa wobwereketsa afunika kutsimikizira kuti munthuyo kapena bungwe lomwe likuganiza kuti ngongoleyo ili ndi ndalama zokwanira komanso mbiri yangongole kuti athe kulipira munthawi yake.
Chidziwitso Chogulitsa Katundu Wa Ngongole Yanyumba
Zimatengera kafukufuku wambiri kuti musankhe wobwereketsa nyumba. Muyenera kuwerenga ndemanga, kufananiza chiwongola dzanja ndikusanthula ma komisheni. Musaiwale ubale ndi woyang'anira ngongole. Mukufuna wina amene mungamukhulupirire, wina amene amakufunirani zabwino, ndi wina amene angakutsogolereni pa zosankha zabwino.
Chifukwa chake ndikumverera kodabwitsa mukapeza zoyenera: wobwereketsa wolemekezeka yemwe ali ndi wogwira ntchito ngongole womvera komanso wodzipereka. Ndi chiyambi cha ubale wokongola wautali. Mpaka mutazindikira kuti, popanda cholakwa chanu, sikutsimikiziridwa kukhala ubale wautali.
Eya, ngongole ikatsekedwa, wobwereketsa nyumba ndi kampani yomwe imayang'anira ngongoleyo ndikutolera zolipira. Atha kukhala wobwereketsa amene adakupatsani ngongoleyo kapena ayi. Ngati sali wobwereketsa yemweyo, mungakhumudwe ndikufuna kudziwa, "ndingatani kuti ndisinthe wobwereketsa wanga?" Yankho lake ndi lolunjika, koma osati losavuta.
Chinthu choyamba ndikumvetsetsa njira yobwereketsa nyumba ndi ma protagonists ake. Ndondomekoyi imayamba ndi nthawi yomwe imatchedwa nthawi yoyambira nyumba (yomwe imaphatikizapo kubwereketsa kubwereketsa mpaka kubwereketsa ndalama). Munthawi yoyambira, mumalumikizana ndi wogwira ntchito zangongole, wopanga nyumba yobwereketsa, komanso wolemba pansi.
Malamulo Otumiza Kunyumba Kwanyumba
Kugulitsa ngongole yanu ku banki ina kapena kampani si kutha kwa dziko. Ndipotu, ndi chinthu chofala kwambiri. Tiyerekeze kuti mwapulumuka kumene m’nkhalango yobwereketsa nyumba ndipo mukukondwerera m’nyumba yanu yatsopano. Zinakutengerani mphindi zisanu ndi mawu ofuula khumi kuti mutumize adilesi yanu yatsopano kwa anzanu ndi abale anu.
Tsopano… mwakhala pampando wanu watsopano, kudikirira mphatso zanu zonse zoyankhulirana, koma kutumiza koyamba pamakalata sikosakaniza kapena chithunzi cha azakhali anu odabwitsa ndi amphaka ake. Ayi, ndi kalata yokhudzana ndi ngongole yanu yanyumba.
Pakati pa ogula ena, mutha kupeza kuti ngongole yanu ikugulitsidwa kwa Fannie Mae kapena Freddie Mac kuyambira Januwale 1, 2009 mpaka Disembala 31, 2013, Fannie Mae adapereka ndalama zokwana $4,1 biliyoni, kulola kugula nyumba 3,7 miliyoni ndi kubweza ngongole zokwana 12,3 miliyoni.
Ngati ndinu wophunzira wa mbiri yaposachedwa, mukudziwa kuti kusonkhanitsa ngongole za subprime kukhala zotetezedwa kunali gawo la vuto lomwe lidayambitsa kugwa kwathu (onani kanema wa The Big Short kuti mupeze chithunzi cholondola modabwitsa). Kuyambira pamenepo, boma lakhazikitsa malamulo angapo ndikukhazikitsa Consumer Financial Protection Bureau (CFPB) kuti lithandizire kupewa nkhanza komanso kupewa kugwa kwachuma kwina.
Ngongole yanga idagulitsidwa kukampani ina
Kodi mumadziwa kuti pali kusiyana pakati pa wobwereketsa wanu ndi wothandizira wanu? Wobwereketsa ndi kampani yomwe mumabwereketsa ndalama, nthawi zambiri kubanki, mgwirizano wa ngongole, kapena kampani yobwereketsa nyumba. Mukalandira ngongole yanyumba, mumasayina mgwirizano ndikuvomera kulipira wobwereketsayo.
Woyang'anira ndi kampani yomwe imayang'anira kasamalidwe ka akaunti yanu tsiku ndi tsiku. Nthawi zina wobwereketsa amakhalanso wothandizira. Koma nthawi zambiri, wobwereketsa amakonza zoti kampani ina ikhale ngati woyang’anira. Ndikofunikira kudziwa wobwereketsa nyumba chifukwa ndi kampani yomwe
Nthawi zambiri, woyang'anira ayenera kubweza ndalama ku akaunti yanu tsiku lomwe mwalandira. Mwanjira imeneyi, simudzayenera kulipira ndalama zowonjezera, ndipo malipirowo sawoneka mochedwa kwa wobwereketsa. Zolipira mochedwa zimawonekera pa lipoti lanu la ngongole ndipo zingakhudze kuthekera kwanu kopeza ngongole m'tsogolomu. Kulipira mochedwa kwambiri kungayambitse kusakhulupirika ndi kulandidwa.
Unikaninso makalata, maimelo, ndi ziganizo zonse mukalandira kuchokera kwa omwe akubwereketsa nyumba. Onetsetsani kuti zolemba zanu zikugwirizana ndi zanu. Oyang'anira ambiri (kupatula ang'onoang'ono) amafunikira kuti akupatseni kabuku kakuponi (nthawi zambiri chaka chilichonse) kapena chiganizo chilichonse cholipira (nthawi zambiri mwezi uliwonse). Othandizira amayenera kutumiza ziganizo pafupipafupi kwa onse obwereketsa omwe ali ndi ngongole zanyumba zosinthika, ngakhale atasankha kuwatumizira mabuku akuponi.
