Momwe mungapewere otolera kuyimba foni ntchito yanu
Omenyera nkhondo, ogwira ntchito ndi omwe adapulumuka mwachilungamo alibenso malire pa ngongole zopitilira $144.000. Izi zikutanthauza kuti simudzalipira, ndipo tikukutsimikizirani wobwereketsa kuti ngati mutalephera kubweza ngongole yoposa $144.000, tikulipirani mpaka 25% ya ngongoleyo.
Mungafunike kubweza ngati mutagwiritsa ntchito zomwe zatsalazo ndipo ngongole yanu ndiyoposa $144.000. Izi ndichifukwa choti obwereketsa ambiri amafuna kuti chindapusa chanu, kubweza pang'ono, kapena kuphatikiza ziwirizo kuphimba osachepera 25% ya ngongole yonse.
Mzere uwu wa COE ndi chidziwitso cha wobwereketsa wanu. Zikuwonetsa kuti mwagwiritsa ntchito kale phindu la ngongole yanu yanyumba komanso kuti mulibe ufulu wotsalira. Ngati zofunikira zomwe zawonetsedwa pa COE yanu zikuposa 0, mutha kukhala ndi ufulu wotsalira ndikugwiritsanso ntchito phindu lanu.
Kodi otolera angatumize makalata kuntchito yanga?
Mukalipira ngongole yanu yanyumba ndikukwaniritsa zomwe munapangana ndi ngongole yobwereketsa, wobwereketsa samangopereka ufulu ku malo anu. Muyenera kuchitapo kanthu. Njira imeneyi imatchedwa "mortgage settlement".
Izi zimasiyanasiyana malinga ndi chigawo chanu kapena gawo lanu. Nthawi zambiri, mumagwira ntchito ndi loya, notary, kapena lumbiriro. Zigawo ndi madera ena amakulolani kuti mugwire ntchitoyo nokha. Kumbukirani kuti ngakhale mutachita nokha, mungafunike kuti zolemba zanu zidziwitsidwe ndi akatswiri, monga loya kapena notary.
Nthawi zambiri, wobwereketsa wanu adzakutsimikizirani kuti mwalipira ngongole yonse. Obwereketsa ambiri samatumiza chitsimikiziro ichi pokhapokha mutachipempha. Yang'anani kuti muwone ngati wobwereketsa wanu ali ndi ndondomeko ya pempholi.
Inu, loya wanu kapena notary wanu muyenera kupereka ofesi yolembera katundu ndi zikalata zonse zofunika. Zikalata zikalandiridwa, kulembetsa katundu kumachotsa ufulu wa wobwereketsa ku malo anu. Amasintha mutu wa malo anu kuti awonetse kusinthaku.
Kodi n'kosaloleka kuti okhometsa ngongole aziimbira foni achibale anu?
Tumizani kalata kwa kampani yotolera ndalama ndikuwafunsa kuti asiye kukulankhulani. Chonde dzisungireni nokha. Lingalirani kutumiza kalatayo ndi makalata ovomerezeka ndi kulipira "risiti yobwezera". Mwanjira imeneyi, mudzakhala ndi umboni wosonyeza kuti wosonkhanitsayo walandira. Kampani yotolera ndalama ikalandira kalata yanu, imangolumikizana nanu kuti itsimikizire kuti idzasiya kukulumikizani mtsogolo kapena kukuuzani kuti ikukonzekera kuchitapo kanthu, monga kusuma mlandu. Ngati mukuimiridwa ndi loya, auzeni wokhometsa msonkho. Wokhometsayo ayenera kulankhulana ndi loya wanu, osati inu, pokhapokha ngati woweruzayo akulephera kuyankha mauthenga a wosonkhanitsa mkati mwa nthawi yoyenera.
Lingalirani kulankhula ndi wokhometsa kamodzi, ngakhale mukuganiza kuti mulibe ngongole kapena simungathe kulipira nthawi yomweyo. Mwanjira imeneyi, mudzatha kudziwa zambiri za ngongoleyo ndikutsimikizira ngati ndi yanu. Kuti mupewe anthu ochita chinyengo potengera ngongole, samalani pogawana zambiri zanu kapena zandalama, makamaka ngati simukumudziwa bwino wokhometsa ngongoleyo. Osati aliyense amene amaimba kuti muli ndi ngongole ndi wokhometsa weniweni. Ena ndi achinyengo omwe amangofuna kutenga ndalama zanu.
Ndi mafoni angati ochokera kwa wokhometsa ngongole amaonedwa kuti akuzunzidwa
Zotsatira za chinyengo cha ngongole zimakhudza mbali iliyonse ya ndondomeko yogulira nyumba. Mu 2021, Federal Bureau of Investigation's Internet Crime Complaint Center idati anthu 11.578 omwe adaberedwa mwachinyengo panyumba kapena nyumba, pakutayika kwathunthu $350.328.166
Chifukwa ndalama zomwe zatayika chifukwa cha katangale za kubwereketsa nyumba zimakhala zamtengo wapatali komanso zovuta kuzibweza, obwereketsa ankhanza nthawi zonse akusintha njira zozemba olamulira ndikutchera msampha obwereka. Kaya mukupeza kuti muli m'mavuto azachuma omwe simukufuna, kugula nyumba kapena kubweza ndalama, muyenera kusamala ndi zizolowezi zachiwembu kuti mupewe katangale zanyumba.
Kuyimiridwa molakwika kwa chidziwitso chilichonse pakufunsira ngongole yanyumba kumatha kuonedwa ngati chinyengo chanyumba, chomwe chimatchedwa chinyengo chamakampani azachuma (FIF). Chinyengo chobwereketsa nyumba nthawi zambiri chimachitikira phindu kapena nyumba.
Pamilandu yachinyengo yanyumba zopezera phindu, achiwembu nthawi zambiri amalonjeza ozunzidwa kuti apulumutse nyumba zawo kuti asathe kulandidwa ndikusintha nthawi ndi kuwongolera ngongole, kapena kunyengerera ogula ndi ntchito zaulere komanso kuchepetsa chiwongola dzanja. Ochita chinyengo amalanda eni nyumba omwe ali pachiwopsezo komanso eni nyumba am'tsogolo omwe alibe maphunziro kapena chitetezo chandalama.
