Mortgage Denial Letter Zvinodiwa
Kana iwe uri kumashure pakubhadhara imba yako, mukweretesi wako anoda kuti iwe ubhadhare. Kana ukasadaro, mukweretesi achatora matanho emutemo. Izvi zvinodaidzwa kuti chiito chekutora uye zvinogona kukonzera kuti urasikirwe nemba yako.
Kana iwe uchizodzingwa, unogonawo kuudza mukweretesi wako kuti uri munhu ane njodzi. Kana vakabvuma kuramba vachidzingwa, unofanirwa kuzivisa dare uye bailiffs nekukasira: yavo yekuonana ichave pachiziviso chekudzingwa. Vachaisa rimwe zuva rekudzingwa, asi vanofanirwa kukupa chimwe chiziviso chemazuva manomwe.
Iwe unogona kutaura kuti mukweretesi wako aita zvisizvo kana zvisina musoro, kana kuti haana kutevedzera nzira dzakafanira. Izvi zvinogona kubatsira kuti danho redare rinonotswe kana kunyengetedza mutongi kuti akupe mutongo wekutora zvinhu zvambomiswa pane kutaurirana nemukweretesi wako izvo zvingazoita kuti udzingwe pamba pako.
Mukweretesi wako haafanire kukutorera matanho emutemo asina kutevedzera Mortgage Codes of Conduct (MCOB) akaiswa neFinancial Conduct Authority (FCA). Mitemo yacho inoti mukweretesi wako wembavha anofanira kukubata zvakanaka uye nekukupa mukana wakakwana wekubhadhara zvikwereti, kana uchikwanisa. Iwe unofanirwa kufunga nezve chero chikumbiro chine musoro chaunoita chekuchinja nguva kana nzira yekubhadhara. Mukweretesi wemondgage anofanira kungotora danho repamutemo senzira yekupedzisira kana kumwe kuedza kuunganidza zvikwereti kwatadza kubudirira.
Mortgage chikwereti charambwa paminiti yekupedzisira
Kutenga imba yako yekutanga kunogona kuve chiitiko chinonakidza uye chinokatyamadza. Kwete chete iwe unofanirwa kuwana iyo chaiyo nzvimbo, asiwo iyo chaiyo mortgage. Nekuwanikwa kuri kushomeka mumisika zhinji yemuno uye mitengo yemba ichikwira munyika yese, kuwana imba inokwanisika kunogona kuve kwakaoma.
Unganzwa uchidzvinyirirwa kutsvaka imba pakarepo, asi usati washanyira misha ndokutanga kubhidha, mari yako inofanira kuva yakarongeka. Izvi zvinoreva kuve nechokwadi chenhoroondo yako yechikwereti uye kiredhiti kiredhiti, chikwereti-kune-muhoro chiyero, uye yakazara zvemari mufananidzo zvinogonesa mukweretesi kuti une chikwereti chakakwana kukwereta.
Hapana anofarira zvinoshamisa, kunyanya asati atenga imba. Kana iwe kana wawakaroorana naye mune matambudziko ari pachena echikwereti-akadai senhoroondo yekunonoka kubhadhara, zviito zvekuunganidza chikwereti, kana chikwereti chakakosha-vakweretesi vemortgage vanogona kupa mitengo yakaderera uye mazwi (kana kukuramba zvachose). Chero yeaya mamiriro anogona kushungurudza uye kunonoka nguva yako yekupedzisira.
Kuti ugadzirise matambudziko angangoitika kare, tarisa gwaro rako rechikwereti mahara gore rega rega pa annualcreditreport.com kubva kune yega yega matatu emadhipatimendi ekuzivisa zvikwereti: Transunion, Equifax uye Experian. Tarisa zvikanganiso uye kupokana chero zvikanganiso mukunyora neiyo reporting agency uye mukweretesi, kusanganisira magwaro anotsigira ekubatsira kuita nyaya yako. Kuti uwane rumwe rubatsiro rwekuita, funga kushandisa imwe yeakanakisa yekuongorora kiredhiti masevhisi.
Mortgage chikwereti chakarambwa pakuvhara
Isu tiri yakazvimirira, ad-inotsigirwa kuenzanisa sevhisi. Chinangwa chedu ndechekukubatsira kuita sarudzo dzemari dzakangwara nekupa maturusi ekudyidzana uye macalculator emari, kuburitsa zvepakutanga uye zvisina tsarukano, uye kubvumidza iwe kuti uite tsvagiridzo uye kuenzanisa ruzivo rwemahara, kuti iwe ugone kuita sarudzo dzemari nechivimbo.
Izvo zvinopihwa zvinoonekwa pane ino saiti zvinobva kumakambani anotiripa. Muripo uyu unogona kukanganisa kuti zvigadzirwa zvinoonekwa sei uye kupi pane ino saiti, kusanganisira, semuenzaniso, kurongeka kwazvinogona kuoneka mukati mezvikamu zverondedzero. Asi muripo uyu haukonzeri ruzivo rwatinoburitsa, kana wongororo yaunoona pane ino saiti. Isu hatisanganisire zvakasikwa zvemakambani kana zvipo zvemari zvinogona kuwanikwa kwauri.
Isu tiri yakazvimiririra, inotsigirwa nekushambadzira sevhisi yekuenzanisa. Chinangwa chedu ndechekukubatsira kuita sarudzo dzemari dzine hungwaru nekupa maturusi ekudyidzana uye macalculator emari, kuburitsa zvepakutanga uye zvine chinangwa, uye nekukubvumidza iwe kuita tsvagiridzo uye kuenzanisa ruzivo rwemahara, kuti iwe ugone kuita sarudzo dzemari nechivimbo.
Tsamba yekuramba mbavha pdf
Mwaka wemutero unovhurwa zviri pamutemo muna Ndira 29, 2018, uye zvinoreva kuti kumhanyisa kubatsirwa kubva mukudzoserwa mutero kwatotanga. Mutemo zvino unoda kuti Internal Revenue Service (IRS) irege kudzoserwa mari yakabatana neEarned Income Tax Credit (EITC) uye Yekuwedzera Child Tax Credit (ACTC) kusvika musi wa15 Kukadzi. Panogona Kuve Nekumwe Kunonoka: Tichifunga nezvekupera kwevhiki nezororo reZuva reMutungamiriri, IRS inotarisira kuti kudzoserwa kwekutanga kwakanangana neEITC/ACTC kuve kuwanikwa mumaakaundi ebhangi evateresi kana makadhi ekubhengi kusvika muna Kukadzi 27, 2018.
Tichifunga izvozvo, vamwe vateresi vanoshandisa Tax Refund Anticipation Loan (RAL) kuvhara mukaha uri pakati pekutanga kwegore nepakati kana kupera kwaFebruary. Asi hazvisi zvese kuedza kuwana RAL zvinobudirira. Dzimwe nguva ucharambwa kunyangwe uchifunga kuti waita zvese nemazvo uye kunyangwe usina kumbova nedambudziko mumakore apfuura, uye ungasaziva chikonzero.
1. Une chikwereti chakaipa. Rangarira kuti RAL chikwereti. Iwe unofanirwa kudzorera iyo yakazara mari yechikwereti kunyangwe iwe ukagamuchira diki mutero kudzoserwa pane zvakatarisirwa uye kunyangwe iwe ukasagamuchira mutero kudzoserwa zvachose. Izvi zvinoreva kuti mari yako yemutero inofanira kunge yakakura zvakakwana mushure memari yemubereko uye mubhadharo, pamwe nemari yekugadzirira mutero, kubhadhara chikwereti. Pane zvinhu zvakasiyana-siyana zvinogona kuderedza mari yaunogamuchira, kusanganisira kuchinja kwemutemo wemitero uye kubvisa (zvimwe pane izvozvo zvishoma). Iyo IRS haichape "chikwereti chiratidzo" chinozivisa mukweretesi pachine nguva kana chero chikamu chemari yako chakatemerwa kugadzirisa. Izvi zvinoita kuti zvinyanye kuoma kuziva kuti chiyero chako chekupedzisira chingave chii, uye zvakare zvinoita kuti zvive nyore kuti mukweretesi anogona kuvimba nemamwe maitiro, secheki chechikwereti.
