Zowona za Mortgage Delinquency
Bungwe la Energy Regulatory Commission (CRU) likufuna kuti opereka mphamvu azigwira ntchito ndi makasitomala monga momwe zakhazikitsidwa m'buku lake. Bukuli likufuna kuti aliyense wopereka mphamvu akhazikitse ndondomeko ya machitidwe osiyanasiyana. Izi zikuphatikiza mitu monga kutsatsa, kubweza ndalama, kuchotsedwa, kasamalidwe ka zonena ndi makasitomala omwe ali pachiwopsezo.
Mabukhuwa amafunanso kuti opereka chithandizo akonze kalata ya kasitomala. Malamulo amakasitomala ndi machitidwe azitha kupezeka patsamba la aliyense wopereka. Bungwe la Irish Electricity Association lagwirizana ndi Energy Commitment Code pakati pa ogulitsa osiyanasiyana ndi cholinga chochepetsera kuchotsedwa kwa makasitomala omwe amaphwanya magetsi awo kapena gasi.
CRU imafunanso kuti Madzi aku Ireland apange mndandanda wa machitidwe osiyanasiyana. Izi zikuphatikiza mitu monga kulumikizana kwamakasitomala, metering, bilu, magwiridwe antchito a netiweki, kasamalidwe ka zonena ndi makasitomala omwe ali pachiwopsezo.
Wobwereketsa, kapena aliyense amene amamuyimira, atha kulumikizana nanu mpaka katatu pamwezi wa kalendala, pokhapokha mutawapempha. Magulu atatuwa akuphatikiza zoyesa zilizonse zomwe sizinapambane. Saphatikiza omwe mwawapempha, kapena omwe akufunidwa ndi code kapena lamulo.
Momwe Mungalekere Mwalamulo Kulipira Ngongole Yanu
Pangongole yobwereketsa, monga yobwereketsa nyumba kapena ngongole yagalimoto, ndalama zoyambira zomwe sanalipidwe ndi ndalama zomwe wabwereketsa, motero ndalama zomwe wobwereka ali nazo wobwereketsa pobwezera.
Ndalama zomwe sizinalipidwe zidzachepa pakapita nthawi pangongole zokhazikika zokhala ndi zolipira. M'ngongole zawamba izi, malipiro apamwezi amaphatikiza chiwongola dzanja ndi ndalama zonse. Malipiro aakulu omwe sanalipidwe kumayambiriro kwa mwezi woperekedwa amachepetsedwa ndi gawo la malipiro omwe amasankhidwa kukhala wamkulu wa mweziwo; kotero kuti ndalama zonse zomwe sizinalipidwe kumapeto kwa mwezi zikhale UPB yoyamba kuchotsera mphunzitsi wamkulu yemwe amalipidwa m'mweziwo. Chifukwa chake, UPB imachepa pakapita nthawi.
Ngongole ya $ 100.000 yokhala ndi UPB yoyamba pamtengo wa 6% wapachaka. Chiwongoladzanja cha mwezi uliwonse ndi 0,5% (6% yogawidwa ndi miyezi 12). Malipiro apamwezi a ngongole yakunyumba yazaka 30 ndi $599,55.
Chimachitika ndi chiyani mukasiya kulipira ngongole yanu ndikuchoka
Kulephera kubweza ngongole yanu kumatha kukhala ndi vuto lalikulu lazachuma, koma nthawi zambiri simudzakumana nazo mukaphonya kulipira kwanu koyamba. Kupatula apo, obwereketsa nthawi zambiri amafuna kuti mukhalebe kasitomala wawo, makamaka ngati muli ndi mbiri yolipira pa nthawi yake. Komabe, ngati zikuwonekeratu kuti simungathe kapena simukufuna kubweza ngongoleyo, obwereketsa adzadutsa njira yomwe imatha kugulitsa malo anu.
Chifukwa chake ngati mukuganiza kuti simungakwanitse kubweza ngongole yanu kwa mwezi umodzi, ndikwabwino kulimbikira ndikulumikizana ndi wobwereketsa pasadakhale kuti muwone ngati mutha kukonza. Ngati simutero, pali zotsatira zina zomwe mungakumane nazo chifukwa chosakulipira ngongole yanu yanyumba.
Ngati simukulipira ngongole yanu yanyumba, nthawi zambiri mumalandira chidziwitso kuti mwachedwa ndipo muyenera kulipira. Ngati simungathe kulipira nthawi yomweyo, muyenera kulumikizana ndi banki yanu nthawi zonse kuti muwadziwitse za vuto lanu ndikuwona zomwe mungagwirizane.
Kubweza kwanu kukakhala mochedwa kwa masiku 14, obwereketsa ambiri amakanena ku mabungwe atatu akuluakulu angongole: Illion, Experian, ndi Equifax. Popeza mbiri yanu yolipira ndi imodzi mwazinthu zomwe zimatsimikizira kuchuluka kwa ngongole yanu, ngati simukulipira ngongole yanu yanyumba, mphambu yanu imatha kukhudzidwa. Ngongole yotsika imatha kusokoneza luso lanu lopeza ndalama m'tsogolomu.
Sindingakwanitse kugula nyumba yanga
Kuleza mtima kumachitika pamene wobwereketsa kapena wobwereketsa akulolani kuti muyimitse kapena kuchepetsa malipiro anu a ngongole kwa nthawi yochepa pamene mukubwezeretsanso ndalama zanu. Mutha kungouza wokuthandizani kuti muli ndi vuto lazachuma chifukwa cha mliri. Muli okakamizika kubweza ndalama zomwe mwaphonya, zomwe, nthawi zambiri, zimatha kubwezeredwa pakapita nthawi kapena mukakonzanso kapena kugulitsa nyumba yanu. Kulekerera kusanathe, woyang'anira wanu adzakulumikizani kuti akuuzeni momwe mungabwezere zomwe mwaphonya.
Ngati mukufuna thandizo polankhula ndi wobwereketsa nyumba kapena kumvetsetsa zomwe mungasankhe, funsani bungwe lovomerezeka la HUD lomwe lili mdera lanu. Alangizi a nyumba atha kupanga dongosolo lothandizira ndikukuthandizani kugwira ntchito ndi kampani yanu yobwereketsa nyumba, popanda mtengo kwa inu.
