Covid Mortgage Forbearance
Izvi ndezvekusiya iwe, kana muiti wechido chako, mari yakakwana yekuvhara mubereko uye mutengo wekutonga, pamwe nemutengo wekutengesa chivakwa. Inoonawo zvakare kuti kanzuru yawana mari yayo kunyangwe mitengo yemba ichidzika.
Chibvumirano chekubhadhara chakamisikidzwa hachifanirwe kutora anopfuura mavhiki gumi nemaviri kuti atange. Naizvozvo, chibvumirano chinofanira kunge chavepo panguva yaunotanga kupa miripo. Chinangwa cheAPD ndechekudzivirira muridzi kuti asatengese imba yavo kana yakabatanidzwa muongororo yemari.
Mamiriro ezvinhu akajairika aungafunga nezvekudzoreredzwa kwekubhadhara ndeye apo mari yako nezvimwe zvinhu (kunze kweimba yako) zvakaderera, asi kukosha kweimba yako kunokuisa pamusoro pechikumbaridzo kubhadhara zvimwe kana zvese zvemitengo. pekugara.
Kana mudiwa wako, mwana anovimba naye, hama inopfuura makore makumi matanhatu, kana anorwara kana akaremara achiri kugara mumba mako, imba yako haiverengerwe sechikamu chepfuma yako. Naizvozvo, haufanirwe kushandisa imba yako kuenzana kubhadhara rubatsiro uye hauzodi chibvumirano chekubhadhara chakamisikidzwa.
Ko Mortgage Forbearance Ipfungwa Yakanaka?
Mushure mekutanga kutevedzana kwekushivirira kwapera muna Chikunguru 31, huwandu hwezvikwereti mukushivirira hwakadzika kusvika 3,26% muvhiki inopera Nyamavhuvhu 8, kubva pa3,40% svondo rapfuura, sekureva kwedata kubva kuMortgage Bankers Association (MBA).
“Kudzikira kukuru kwemwedzi mumwe kwechikwereti mukushivirira kwakakonzerwa nekuwedzera kwekubuda kweshiviriro sevaridzi vedzimba vazhinji pedyo nekunopera kwemitemo yavo yekushivirira. Kurerutsa kwakadzikira mumapoka ese evanoisa mari nemaneja, "akadaro Mike Fratantoni, mutevedzeri wemutungamiri uye mukuru wezvehupfumi kuMBA, mukuburitswa kwenhau.
Kuve mukushivirira zvinoreva kuti haugone kubhadhara chikwereti chako chemba, izvo zvisiri mamiriro akanaka. Zvisinei, pane zvakawanda zvingasarudzwa zvevanhu vanobva mukushivirira, uye zvakakosha kufunga nezveumwe neumwe wavo.
Kudzivisa kuvharirwa ndicho chinangwa chakakosha kana uchibuda mukushivirira. Kunyangwe ukasarudza kugadzirisa chikwereti chako, enda nesarudzo yekubhadhara kwemwedzi yawakapotsa, kana kutengesa imba yako, idzi ndidzo sarudzo dziri nani pane kurasikirwa nemba yako kuvharwa.
Kuregererwa kwemondgage kunokanganisa refinancing here?
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.
Zuva rekupedzisira rekuwedzera kwemortgage
Izwi rekuti kushivirira rinoreva kudzoreredzwa kwechinguvana kwekubhadhara chikwereti, kazhinji kuchikwereti chemba kana chikwereti chemudzidzi. Vanokweretesa uye vamwe vakweretesi vanopa kushivirira seimwe nzira yekuvhara kana kusamira pachikwereti nemukwereti. Makambani anokweretesa neveinishuwarenzi avo vanowanzo gadzirira kutaurirana zvibvumirano zvekuregerera nekuti kurasikirwa kunobva mukuvharirwa kana kukanganisa kunowanzowira pavari.
Kunyangwe ichinyanya kushandiswa kuchikwereti chemudzidzi uye mbanje, kushivirira isarudzo kune chero chikwereti. Zvinopa mukwereti nguva yakawedzerwa yokubhadhara chikwereti. Izvi zvinobatsira vanokwereta vanonetsekana uye zvinobatsira mukweretesi, uyo anowanzo rasikirwa nemari yekuvhara uye mushure mekubhadhara kusakwana. Vanokwereta sevhisi (avo vanotora mubhadharo asi vasina zvikwereti) vangave vasingade kushanda nevanokwereta pakuregeredza nekuti ivo havasi panjodzi yemari yakawanda.
Mitemo yechibvumirano chekutsungirira inotaurirana pakati pevakwereta nevakweretesi. Mikana yekuwana chibvumirano inotsamira muchikamu pamukana wekuti mukwereti achakwanisa kutangazve kubhadhara pamwedzi mushure mekunge nguva yekuregerera yapera. Mukweretesi anogona kubvumidza kudzikiswa kwakazara mukubhadhara kwemukwereti kana kuti kuderedza zvishoma, zvichienderana nekukura kwezvinodiwa nemukwereti uye chivimbo chemukwereti mukukwanisa kwemukwereti kuwana pane imwe nguva inotevera.
