Kodi ndingapeze ngongole yanyumba popanda ntchito koma ndi ndalama?
Ngati muli ndi zaka 62 kapena kuposerapo - ndipo mukufuna ndalama kuti mulipire ngongole yanu, kuwonjezera ndalama zomwe mumapeza, kapena kulipira chithandizo chamankhwala - mungafune kulingalira zangongole yobwereketsa. Zimakulolani kuti musinthe zina mwazinthu zanu zapanyumba kukhala ndalama popanda kugulitsa nyumba yanu kapena kulipira ngongole zina pamwezi. Koma tengani nthawi yanu: kubwereketsa kubweza ngongole kungakhale kovuta ndipo sikungakhale koyenera kwa inu. Ngongole yobwereketsa ikhoza kuwononga ndalamazo m'nyumba mwanu, zomwe zikutanthauza kuti muli ndi katundu wocheperako kwa inu ndi olandira cholowa chanu. Ngati mwaganiza zogula mozungulira, yang'ananinso mitundu yosiyanasiyana yanyumba zobwereketsa ndikugula musanayambe kukhazikika pakampani inayake.
Mukakhala ndi ngongole yobwereketsa, mumalipira wobwereketsa mwezi uliwonse kuti mugule nyumba yanu pakapita nthawi. Pobweza ngongole, mumatenga ngongole yomwe wobwereketsa amakulipirani. Ngongole zobwereketsa zimatenga zina mwazinthu zomwe zili m'nyumba mwanu ndikuzisintha kukhala zolipira zanu - ngati kulipiridwa kale komwe kuli m'nyumba mwanu. Ndalama zomwe mumalandira nthawi zambiri zimakhala zopanda msonkho. Nthawi zambiri, simuyenera kubweza ndalamazo malinga ngati mukukhala kunyumba. Mukafa, gulitsani nyumba yanu, kapena musamuke, inu, mwamuna kapena mkazi wanu, kapena malo anu mudzafunika kubweza ngongoleyo. Nthaŵi zina zimenezi zikutanthauza kugulitsa nyumbayo kuti mupeze ndalama zobweza ngongoleyo.
Kodi ndingapeze ngongole yanyumba popanda ntchito?
Nthawi ya deferment ikatha, muyenera kuyambiranso kulipira ngongole zanyumba. Muyeneranso kubweza ngongole zanyumba zomwe mwachedwetsa. Bungwe lanu lazachuma lidzasankha njira yobwezera ndalama zomwe zasinthidwa.
Panthawi yochedwetsa, bungwe lanu lazachuma likupitiliza kukulipiritsani chiwongola dzanja pamtengo womwe muli nawo. Ndalamayi idzawonjezedwa ku ndalama zomwe zatsala pa ngongole yanyumba. Ngati likulu la ngongole ndi lalikulu, zokonda zidzakhala zapamwamba. Izi zitha kukuwonongerani masauzande a madola owonjezera pa moyo wanu wangongole.
Malipiro anu a ngongole amaphatikizanso chiwongola dzanja ndi chiwongola dzanja. Ingaphatikizeponso malipiro a msonkho wa katundu ndi chindapusa cha zinthu za inshuwaransi zomwe mwasankha. Kuchedwetsa kubweza ngongole zanyumba kumatha kukhudza chilichonse mwazinthu zachuma izi.
Chachikulu ndi kuchuluka kwa ndalama zomwe bungwe lazachuma limakubwereketsani. Ndi kulekerera kwa ngongole, simulipira wamkulu. M'malo mwake, imachedwetsa kulipira ndalamazi. Mwachitsanzo, tiyerekeze kuti muli ndi ngongole ya $ 300.000 kwa wamkulu kumayambiriro kwa nthawi yolepheretsa. Pamapeto pa nthawi yoyimitsidwa, mukhalabe ndi ngongole ya $300.000, kuphatikiza chiwongola dzanja.
Kubwereketsa nyumba popanda zaka 2 za mbiri yantchito
Kaya ndinu ogula nyumba koyamba, mwangotuluka kumene ku koleji ndikuvomera ntchito yanu yoyamba, kapena mwininyumba wodziwa kufunafuna kusamuka kuti akasinthe ntchito, pezani ngongole ndi ntchito yatsopano kapena kusintha kungakhale kovuta.
Ndi zosintha zambiri zosangalatsa - ntchito yatsopano, nyumba yatsopano - kukumbukira zolemba zonse ndi njira zomwe mungafune kuti muvomerezedwe kubwereketsa nyumba zitha kukhala zolemetsa. Mwamwayi, tabwera kuti tifewetse zovutazo.
Panthawi yomwe imatchedwa verification of Employment (VOE), wolemba ngongole wanu adzalankhulana ndi abwana anu, mwina pafoni kapena pempho lolembera, kuti atsimikizire kuti zomwe mwaperekazo ndi zolondola komanso zaposachedwa.
Ichi ndi sitepe yofunika kwambiri chifukwa kusiyana kwa chidziwitso chomwe mwapereka, monga kusintha kwa ntchito kwaposachedwa, kungathe kukweza mbendera yofiira ndikusokoneza luso lanu loyenerera kulandira ngongole. Tikambirana pambuyo pake.
Njira imeneyi ndi yofunika chifukwa ndalama zomwe mumapeza zidzatsimikizira kuchuluka kwa nyumba zomwe mungakwanitse komanso chiwongoladzanja chomwe mudzapereke pa ngongole. Obwereketsa akufuna kutsimikizira kuti mwakhala mukugwira ntchito yokhazikika kwa zaka zosachepera ziwiri, osapumira m'mbiri yanu yantchito.
Kodi ndingapeze ngongole ngati ndangoyamba ntchito yatsopano?
Kuti mufewetse kulankhulana ndi oyang'anira, Fannie Mae wasintha Zothandizira Zobwezera Ndalama Zoyang'anira, ndikupereka chitsogozo chowonjezera pomaliza kubweza ndalama. Momwe thandizoli lingasemphane ndi Maupangiri, mfundo za Maupangiri ndizomwe zimayang'anira.
Izi Zothandizira Kubwezera kwa Server Charge iyi kumawonjezera Bukhu la Utumiki. Ma Seva amakhalabe ndi udindo wotsatira Maupangiri Ogulitsa ndi Ntchito, Njira Zowongolera Utumiki, Zilengezo, Makalata Opereka, ndi Magulu Otsogolera, pamodzi, "Malangizo."
Oyang'anira ayenera kudziwa malamulo a Fannie Mae opezeka mu Guidelines (Fannie Mae Servicing Guide E-5-01: Requesting Reimbursement for Expenses) asanatumize zopempha za kubwezeredwa kwa ndalama.
Oyang'anira ali ndi udindo woyang'anira momwe katundu alili pogwiritsa ntchito pulogalamu yapa intaneti yotchedwa Asset Management Network (AMN) pazochitika zilizonse ndikuwonetsetsa kuti zodandaula zonse zatumizidwa pa nthawi yake. Dongosolo la Asset Management Network (AMN) ndi pulogalamu yapa intaneti yomwe imalola oyang'anira kuyang'anira momwe katundu alili. Tsiku logulitsa la REO kapena tsiku lachidziwitso ndi tsiku lomwe malo adagulitsidwa kudzera kugulitsa kwenikweni, kugulitsa gulu lachitatu, kapena kugulitsa kochepa.
