Kodi ndingagule nyumba yopanda ntchito?
Njira ina ingakhale yopempha kaye ngongole ya PPP, kugwiritsa ntchito ndalama zolipirira kwa milungu 8 kuti mudzilipirire, ndiyeno pemphani mapindu a ulova ndalama za PPP zitatha. Koma kachiwiri, palibe bungwe la boma lomwe lapereka chitsogozo chilichonse chokhudza izi. LCA ipitiliza kukonzanso FAQ izi pomwe zinthu zikupitilirabe.
Lamulo la federal CARES Act lisanakhazikitsidwe, wogwira ntchito ku W-2 ku Illinois anali ndi ufulu wopeza masabata 26 atachotsedwa ntchito. Lamulo la CARES Act litalikitsa nthawi yomwe wogwira ntchito yemwe ali ndi ufulu wopindula atha kuzipeza kuyambira masabata 26 mpaka 39. Inaperekanso ndalama zokwana madola 600 m'mapindu a mlungu ndi mlungu kwa omwe amalandira malipiro a ulova nthawi zonse, ndipo inaperekanso masabata 13 owonjezera a ulova kwa iwo omwe adatopa kale mapindu awo a ulova.
Gawo lothandizira kusowa kwa ntchito kwa mliri wa CARES Act limazindikira zovuta za ogwira ntchito omwe sali pantchito, ndipo limapereka zopindulitsa zina kudzera pamalipiro a ulova.
Opereka Inshuwaransi ya Mortgage Ulova
Ngati panopa muli ndi ngongole wamba—yothandizidwa ndi Fannie Mae kapena Freddie Mac—ndipo mulibe ntchito, mudzafunika umboni wa ntchito yanu yatsopano ndi ndalama zimene mudzapeze m’tsogolo musanamalizenso ngongoleyo.
Komabe, muyenerabe kukwaniritsa lamulo la mbiri ya zaka ziwiri. Ngati wogwira ntchito osakhalitsa angathe kulemba kuti wakhala akulandira malipiro a ulova mosalekeza kwa zaka zosachepera ziwiri, izi zikhoza kuganiziridwa pofunsira ngongole yanyumba.
Ngakhale ndalama zomwe ulova zitha kuchulukitsidwa pazaka ziwiri zapitazi komanso chaka ndi chaka, wobwereketsa amayenera kutsimikizira ndalama zomwe apeza kuchokera pantchito yomwe yachitika pagawo lomwelo. Izi zikutanthauza kuti muyenera kulembedwa ntchito panthawi yomwe mukufunsira.
Kuti izi zitheke, malipiro anu a mwezi ndi mwezi opunduka, kaya amachokera ku inshuwaransi yanu yanthawi yayitali kapena kuchokera ku Social Security - ayenera kukonzedwa kuti apitirire kwa zaka zina zitatu.
Apanso, muyenera kuwonetsa kuti malipiro apamwezi akuyenera kupitilira zaka zina zitatu. Mungafunikirenso kusonyeza kuti mwakhala mukulandira malipiro pafupipafupi kwa zaka ziwiri zapitazi.
Mtengo wa mortgage unemployment insurance
Zolemba zofunika pa gwero lililonse la ndalama zafotokozedwa pansipa. Zolemba ziyenera kuthandizira mbiri ya risiti, ngati kuli kotheka, ndi kuchuluka, kuchuluka, ndi kutalika kwa risiti. Kuonjezera apo, umboni wa kulandila kwaposachedwa wa ndalama uyenera kupezedwa motsatira ndondomeko ya zaka zololeka za zikalata zangongole, pokhapokha ngati zili m'munsimu. Onani B1-1-03, Allowable Age of Credit Documents ndi Federal Tax Returns, kuti mudziwe zambiri.
Chidziwitso: Ndalama zilizonse zolandilidwa ndi wobwereka ngati ndalama zenizeni, monga ma cryptocurrencies, siziyenera kugwiritsidwa ntchito kuti athe kulandira ngongole. Kwa mitundu ya ndalama zomwe zimafunikira katundu wotsala wokwanira kuti akhazikitse kupitiliza, katunduyo sangakhale mu mawonekedwe a ndalama zenizeni.
Unikaninso mbiri yamalipiro kuti muwone kuyenerera kulandira ndalama zokhazikika. Kuti ziwoneke ngati ndalama zokhazikika, zolipira zonse, zokhazikika komanso zapanthawi yake ziyenera kulandiridwa kwa miyezi isanu ndi umodzi kapena kupitilira apo. Ndalama zomwe zimalandiridwa kwa miyezi yosakwana isanu ndi umodzi zimaonedwa kuti ndizosakhazikika ndipo sizingagwiritsidwe ntchito kuti ayenerere wobwereka kubwereketsa ngongole. Komanso, ngati malipiro athunthu kapena pang'ono apangidwa mosagwirizana kapena mwapang'onopang'ono, ndalama zomwe amapeza sizovomerezeka kuti ayenerere wobwereka.
Momwe mungapezere ngongole yanyumba popanda zaka 2 zantchito 2020
Kwa anthu omwe amadzilemba okha ntchito kapena nyengo, kapena omwe ali ndi vuto la ntchito, kupempha ngongole kungakhale chinthu chovuta kwambiri. Obwereketsa nyumba monga kutsimikizira ntchito yosavuta komanso zaka zingapo za W-2s poganizira zofunsira ngongole yanyumba, chifukwa amawona kuti ndizowopsa kuposa mitundu ina ya ntchito.
Koma monga wobwereka, simukufuna kulangidwa chifukwa chosowa ntchito mutakhala ndi chidaliro pakutha kubweza ngongole yanyumba, kapena ngati mukufuna kubweza ngongole yanu kuti muchepetse ndalama zolipirira mwezi uliwonse. Ngongole zing'onozing'ono zingakhale zothandiza makamaka ngati mwachotsedwa ntchito posachedwa ndipo mukuda nkhawa ndi bajeti yanu ya mwezi uliwonse.
Kugula kapena kubweza ngongole yanu yanyumba mukalibe ntchito sikutheka, koma pamafunika khama komanso luso kuti mukwaniritse zofunikira pakubweza ndalama. Tsoka ilo, obwereketsa nthawi zambiri savomereza ndalama za ulova ngati umboni wopeza ngongole yanu. Pali kuchotserapo kwa ogwira ntchito panyengo kapena ogwira ntchito omwe ali mgulu la mgwirizano. Nazi njira zomwe mungagwiritse ntchito kukuthandizani kupeza kapena kubweza ngongole yanu popanda ntchito.
