Ndingawana here mari yembavha ndisina basa asi nemari yasara?
Kana iwe uine makore makumi matanhatu nemaviri kana kupfuura - uye uchida mari yekubhadhara chikwereti chako, kuwedzera mari yako, kana kubhadhara hutano hwehutano - ungangoda kufunga nezve reverse mortgage. Iyo inokutendera iwe kuti uchinje imwe yeimba yako yakaenzana kuita mari pasina kutengesa imba yako kana kubhadhara mamwe mabhiri pamwedzi. Asi tora nguva yako: reverse reverse mortgage inogona kunetsa uye inogona kunge isina kufanira iwe. Reverse mortgage inogona kupedza kuenzana kuri mumba mako, zvinoreva kuti zvinhu zvishoma zvako iwe nevadyi venhaka yako. Kana ukafunga kutenga uchitenderedza, ongorora mhando dzakasiyana dzereverse mortgages uye tenga uchitenderedza usati wagara pane imwe kambani.
Kana uine chikwereti chenguva dzose, unobhadhara mukweretesi mwedzi wega wega kuti atenge imba yako nekufamba kwenguva. Mune reverse mortgage, iwe unotora chikwereti icho mukweretesi anokubhadhara iwe. Reverse mortgages inotora imwe yeakaenzana mumba mako woishandura kuita mubhadharo wako - rudzi rweprepayment yeawa mumba mako. Mari yaunogamuchira kazhinji haina mutero. Kazhinji, haufanirwe kubhadhara mari yacho chero uchigara pamba. Paunofa, tengesa imba yako, kana kutama, iwe, murume wako, kana nzvimbo yako uchafanirwa kubhadhara chikwereti. Dzimwe nguva zvinoreva kutengesa imba kuti uwane mari yekubhadhara chikwereti.
Ndingawana here imba yemba pasina basa?
Kana nguva yedeferment yapera, iwe unozofanirwa kudzorera yako yekubhadhara imba. Iwe zvakare unofanirwa kudzorera mari yemortgage yawakaverengera. Nzvimbo yako yezvemari ndiyo ichasarudza nzira yekudzorera mari yakamisikidzwa.
Munguva yekuregererwa, sangano rako rezvemari rinoramba richichaja chimbadzo pamari yaunokwereta. Mari iyi ichawedzerwa kusara yasara yemortgage. Kana iyo capital of the mortgage yakakura, zvido zvichave zvakakwirira. Izvi zvinogona kukubhadhara zviuru zvemamwe madhora pamusoro pehupenyu hwechimba chako chemba.
Mari yako yemortgage inosanganisira mukuru uye mubereko. Inogonawo kusanganisira kubhadhara mutero weimba uye mari yezvigadzirwa zveinishuwarenzi zvingasarudzwa. Kumisikidza kubhadhara kwemondi kunogona kukanganisa chimwe nechimwe chezvisungo izvi zvemari.
Mukuru wechikoro imari yaunokwereteswa nesangano rezvemari. Nekushivirira kwechikwereti, haubhadhare mukuru wechikoro. Pane kudaro, inononoka kubhadhara mari iyi. Somuenzaniso, ngatiti iwe une chikwereti che $ 300.000 mumukuru pakutanga kwenguva yekuregererwa. Pakupera kwenguva yekuregererwa, iwe ucharamba uchikwereta $300.000, pamwe nemubereko.
Mortgage isina makore maviri enhoroondo yebasa
Ungave uri wekutanga kutenga imba, uchangobva kukoreji uye uchibvuma basa rako rekutanga, kana muridzi wemba ane ruzivo ari kutsvaga kutamira kune imwe nzvimbo kuti achinje basa, tora remba nebasa idzva kana kuchinja kunogona kunge kwakaoma.
Nechinjo dzakawanda dzinonakidza—basa idzva, imba itsva—kurangarira mapepa ose nezvirongwa zvauchazoda kuti ubvumidzwe kukwereta imba zvinogona kuva zvinokurisa. Sezvineiwo, tauya kuzorerutsa zvakaoma.
Panguva yechirongwa chinonzi verification of Employment (VOE), munyoreri wako wechikwereti achabata mushandirwi wako, kungave nerunhare kana chikumbiro chakanyorwa, kuti asimbise kuti ruzivo rwebasa rwawakapa rwakarurama uye ruchienderana.
Iri inhanho yakakosha nekuti mutsauko muruzivo rwawakapa, senge shanduko yebasa ichangoburwa, inogona kusimudza mureza mutsvuku uye kukanganisa kugona kwako kuti ukwanise kukwereta. Tichazotaura nezvazvo gare gare.
Maitiro aya akakosha nekuti mari yaunowana ndiyo inotaridza huwandu hwemba hwaunokwanisa kutenga uye mubereko wauchabhadhara pachikwereti. Vanokweretesa vanoda kuratidza kuti wanga uri pabasa rakadzikama kweanenge makore maviri, pasina zororo munhoroondo yako yebasa.
Ndingawana here mari yembavha kana ndichangotanga basa idzva?
Kurerutsa kutaurirana nevatungamiriri, Fannie Mae akagadziridza iyo Administrator Mari Yekudzosera Basa Reimbursement, ichipa imwe nhungamiro yekuzadzisa zvikumbiro zvekubhadhara mari. Kusvika pamwero uyu rubatsiro rwebasa runogona kupesana neNhungamiro, mazwi eNhungamiro achatonga.
Iyi Server Charge Reimbursement Job Aid inowedzera iyo Service Guide. Masevha anoramba aine basa rekutevera Kutengesa uye Sevhisi Madhiraivha, Mafambisirwo eSevhisi, Zviziviso, Tsamba dzeVapi, uye Nhume dzeChiremera, pamwe chete, "Vatungamiriri."
Vatungamiri vanofanira kuziva mitemo yaFannie Mae inowanikwa muNhungamiro (Fannie Mae Servicing Guide E-5-01: Kukumbira Kudzorerwa Kwemari) vasati vatumira zvikumbiro zvekubhadhara mari.
Mamaneja ane basa rekutarisa mamiriro ezvivakwa vachishandisa iyo webhu-based application inonzi Asset Management Network (AMN) system padanho rega rega uye nekuona kuti zvichemo zvese zvinotumirwa nenguva. Iyo Asset Management Network (AMN) system ndeyewebhu-yakavakirwa application inobvumira mamaneja kutarisa mamiriro ezvivakwa. Zuva rekutengesa REO kana zuva rekuita chiitiko ndiro zuva rakatengeswa nzvimbo kuburikidza nekutengesa chaiko, kutengeswa kwevatatu, kana kutengeswa pfupi.
