Kana mutero weimba yangu ukadzikira, muripo wembavha yangu uchadzika here?
Mainvoice anowanzo kutumirwa nekutumira pawebhusaiti yedu panosvika mwedzi mutero wako usati wasvika. Isu hatikutumire bhiri remutero wezvivakwa kana mutero wezvivakwa wako uchibhadharwa kuburikidza nebhangi kana mortgage servicer kana iwe uine zero balance.
Ruzivo rwekubhadhara Kana iwe uchibhadhara yako mutero wepfuma, tinokukurudzira kubhadhara nemagetsi kuderedza mukana wekukanganisa. Kana ukasarudza kubhadhara netsamba, unogona kutumira mubhadharo wako uchishandisa kopani kubva kune yako yemutero yemutero. Ndapota nyora nhamba yeakaundi yako, inova taundishipi yako, bhuroko, uye nhamba yemugove, pamubhadharo upi noupi waunotumira kwatiri netsamba pamwe chete nenguva yemutero iyo inofanira kubhadharwa. Kubhadhara mutero wemidziyo kunogonawo kuitwa pachezvako pane chero Bhizinesi Centers edu. Iwe uchawana kuderedzwa kana iwe uchibhadhara mutero weimba yako yegore rose remutero mberi. Iyi ndiyo mari inooneka pamutsara wekuti “All You Owe.” Kana bhangi kana mukweretesi wemba akabhadhara mutero wenzvimbo yako, hauzogamuchire mutero weimba netsamba kunze kwekunge uine mutoro wekubhadhara dzimwe mari, dzakadai sechimbichimbi kana kuti. kugadziriswa kwenzira. Mari dzemutero dzisiri dzemidziyo kazhinji hadzibatanidzwe mukubhadhara kunoitwa nebhangi rako kana kambani yekukwereta; unofanira kuzvibhadharira wega.Kunyangwe tisina kukutumira bhiri rako remutero, unogona kurodha pano nguva dzese. Kana iwe uchitenda kuti "Previous Balance" pabhiri rabhadharwa, asi risina kubhadharwa, tapota taura 311 kana email Property Tax Account Inquiries. Kana pane kukanganisa, tichagadzirisa zvinyorwa.
Ndinogona here kumhan'ara kambani yangu yekukwereta nekusabhadhara inishuwarenzi yangu?
Pane zvikonzero zvakawanda nei kubhadhara kwako pamwedzi kuchinje. Muripo wako wepamwedzi unosanganisira kubhadhara kwako kwembandi, iyo inosanganisira mukuru uye mubereko, pamwe nemitero yenzvimbo uye inishuwarenzi yemuridzi wemba. Kubhadhara kwako kwembandi kunogona kugara kwakafanana, asi mari yako yepamwedzi inogona kusiyana. Pazasi, isu tinotarisa izvo zvinopesvedzera mitero neinishuwarenzi uye tinotsanangura kuti zvinhu izvi zvingakanganisa sei kubhadhara kwako kwemwedzi.
Kana iwe ukanyorera mvumo yekutenga imba isati yabvumidzwa, iwe nemukweretesi wako muchayeresa muripo wako wepamwedzi, kusanganisira mukuru uye mubereko, pamwe neako inofungidzirwa yemwedzi yekubhadhara escrow (inoenda kumitero yedzimba neinishuwarenzi yevaridzi vemba), zvichibva pamusha wakajairika nzvimbo yaunoda kutenga.
Iwe unofanirwa zvakare kuyeuka kuti fungidziro iyi ingori iyo: fungidziro. Inogona kuva yakavakirwa muchikamu pane izvo muridzi wekare akabhadhara mumitero neinishuwarenzi kana kuti ndeipi mitero inowanzova munharaunda. Nhamba chaiyo yemitero haizozivikanwi kusvikira wasarudza imba yaunoda, uye inishuwarenzi haizoverengeki kusvikira wasarudza kambani uye mutemo wakakunakira.
Mitero yechikoro inosanganisirwa muchikwereti chemba here?
Kuvimba nekutenga imba kunotanga nekuziva zvekutarisira. Kuti tikubatsire kunzwisisa mafambisirwo ekutora chikwereti chemba, tabatanidza muchidimbu nekukurumidza. Tanga neprequalification, tevera matanho, uye munguva pfupi unenge uchisaina mapepa pakuvhara. Izvi ndizvo zvaunofanira kutarisira.
LTV inomirira chikwereti-ku-value uye, kana iri mbanje, imari yechikwereti chako kana ichienzaniswa nekukosha kwenzvimbo yauri kutenga. Iwe unozozviona sechikamu chezana. Kuti uverenge muyero wechikwereti-ku-value, unofanira kutanga wagovera huwandu hwemari yembavha nekukosha kwemba. Wopeta mhinduro nezana. Nhamba iyi yakakosha kune vanokweretesa nekuti inovabatsira kunzwisisa njodzi ine chekuita nechikwereti chavari kuita. Semunhu anokwereta, chikamu chechikwereti-ku-value chakakosha kwauri nekuti chinopesvedzera mubereko wauchabhadhara pachikwereti chako. Iyo yakaderera muyero wechikwereti-ku-value, njodzi shoma inotorwa nemukweretesi mukupa chikwereti. Izvi zvinoshandura mubereko wakaderera. Chokwadika, zvakapesana ndezvechokwadiwo. Chikwereti chepamusoro-ku-value reshiyo chinoreva kuti mukweretesi achatora njodzi yakawanda uye okwanisa kubhadharisa mubereko wepamusoro mukudzoka.
Kambani yangu yemortgage inobhadhara mutero wenzvimbo?
Mitero kuongororwa kwemidziyo kunotorwa nehurumende yenzvimbo. Vatengesi vanowanzotora chikamu chemitero iyi neimwe yekubhadhara chikwereti uye vanobata mari muakaunti, inonzi escrow account, kusvikira yava nguva.
Inishuwarenzi yemuridzi wemba inosungirwa kuchengetedza mari yaunofanirwa kuchengetedza kana pfuma yako ikakuvadzwa nemoto, mhepo, kuba, kana zvimwe njodzi. Zvichienderana nenzvimbo yako, ungangoda kutenga imwe inishuwarenzi yemafashama.
Mortgage inishuwarenzi inodzivirira mukweretesi wako kana iwe usingakwanise kubhadhara chikwereti chako. Kudiwa kweinishuwarenzi yemondi kazhinji kunoenderana nehuwandu hwekubhadhara uye mamwe mamiriro.
