Ndingathenga indlu engaphangeliyo?
Enye indlela isenokuba kukufaka isicelo semali-mboleko yePPP kuqala, usebenzise izibonelelo zomvuzo kwiiveki ezisi-8 ezisebenzayo ukuze uzihlawule, uze ufake isicelo sezibonelelo zokungaphangeli emva kokuba iimali zePPP ziphelile. Kodwa kwakhona, akukho ziko likarhulumente linike nasiphi na isikhokelo malunga neli nyathelo. I-LCA iya kuqhubeka nokuhlaziya le FAQ njengoko imeko iqhubeka nokuvela.
Phambi kokuba kuwiswe umthetho we-CARES womanyano, umsebenzi we-W-2 e-Illinois wayenelungelo leenzuzo zeeveki ezingama-26 emva kokuphulukana nomsebenzi. UMthetho we-CARES wandisa ixesha apho umsebenzi onelungelo lokufumana izibonelelo anokuzifumana ukusuka kwiiveki ezingama-26 ukuya kwezingama-39. Ikwabonelele ngentlawulo eyongezelelweyo yeedola ezingama-600 kwiinzuzo zeveki kwabo bafumana izibonelelo zokungaphangeli rhoqo, kwaye ibonelele ngeeveki ezili-13 ezongezelelekileyo zezibonelelo zokungaphangeli kwabo babekade bezigqibile izibonelelo zabo zokungaphangeli.
Ubhubhani woncedo lwentswela-ngqesho inxalenye yoMthetho we-CARES iyayiqonda ingxaki yabasebenzi abadekiweyo abangaqeshwanga, kwaye ibonelela ngezibonelelo ezithile ngenkqubo yembuyekezo yokungaphangeli.
Ababoneleli be-inshurensi yokungaphangeli kwe-Mortgage
Ukuba ngoku unemali mboleko eqhelekileyo-exhaswa nguFannie Mae okanye uFreddie Mac-kwaye awuphangeli, uya kufuna ubungqina bomsebenzi wakho omtsha kunye nengeniso yexesha elizayo ngaphambi kokuba uhlawule imali-mboleko yakho.
Nangona kunjalo, kusafuneka uhlangabezane nomgaqo wembali weminyaka emibini. Ukuba umsebenzi wexeshana unokubhala ukuba ebesoloko efumana iintlawulo zokungaphangeli ubuncinane iminyaka emibini, oku kunokuqwalaselwa xa kusenziwa isicelo semali-mboleko.
Ngelixa ingeniso yokungaphangeli inokulinganiselwa kwiminyaka emibini edlulileyo kunye nonyaka ukuya kuthi ga ngoku, umbolekisi kufuneka aqinisekise ingeniso evela kumsebenzi okhoyo kwintsimi enye. Oku kuthetha ukuba kufuneka uqeshwe ngexesha ofaka ngalo isicelo.
Ukuze oku kusebenze, iintlawulo zakho zenyanga zokukhubazeka—nokuba ziphuma kwipolisi yakho yeinshorensi yokukhubazeka yexesha elide okanye kuKhuseleko lweNtlalo—kufuneka zicwangciselwe ukuqhubeka ubuncinane iminyaka emithathu engakumbi.
Kwakhona, kuya kufuneka ubonise ukuba iintlawulo zenyanga zicwangciselwe ukuqhubeka iminyaka emithathu ngaphezulu. Kusenokufuneka ubonise ukuba ubufumana iintlawulo rhoqo kule minyaka mibini idlulileyo.
Iindleko ze-inshurensi yokungaqeshwa kwe-mortgage
Amaxwebhu afunekayo kumthombo ngamnye wengeniso achazwe ngezantsi. Amaxwebhu kufuneka axhase imbali yerisithi, ukuba iyasebenza, kunye nesixa, amaxesha amaninzi, kunye nobude bexesha lerisithi. Ukongeza, ubungqina bokufunyanwa kwengeniso kufuneka bufunyanwe ngokuhambelana nepolisi yekhredithi yobudala evumelekileyo yamaxwebhu, ngaphandle kokuba akubandakanyiwe ngokukodwa apha ngezantsi. Jonga i-B1-1-03, i-Allowable Age of Credit Documents kunye ne-Federal Tax Returns, ngolwazi olongezelelweyo.
Qaphela: Nawuphi na umvuzo ofunyenwe ngumboleki ngohlobo lwemali ebonakalayo, efana ne-cryptocurrencies, ayifanelekanga ukuba isetyenziswe ukufaneleka kwimali-mboleko. Kwezo ntlobo zengeniso ezifuna ii-asethi ezaneleyo ezishiyekileyo ukuseka ukuqhubeka, ezo asethi azinakuba kuhlobo lwemali ebonakalayo.
Ukuphonononga imbali yentlawulo ukumisela ukufaneleka komvuzo ofanelekileyo. Ukuze kuthathwe njengengeniso ezinzileyo, iintlawulo ezizeleyo, eziqhelekileyo nangexesha kufuneka zibe zifunyenwe iinyanga ezintandathu nangaphezulu. Ingeniso efunyenwe ngaphantsi kweenyanga ezintandathu ithathwa njengengazinzanga kwaye ayinakusetyenziselwa ukufaneleka umboleki kwi-mortgage. Kwakhona, ukuba intlawulo epheleleyo okanye inxalenye yentlawulo yenziwa ngokungaguquguqukiyo okanye ngamaxesha athile, ingeniso ayamkelekanga ukuba ifaneleke umboleki.
Ungayifumana njani imali mboleko yendlu ngaphandle kweminyaka emi-2 yokusebenza ngo-2020
Kubantu abazisebenzelayo okanye abasebenza ngamaxesha athile onyaka, okanye abo banengxaki yomsebenzi, ukufaka isicelo semali-mboleko kunokuba ngamava anzima kakhulu. Ababolekisi bezindlu ezifana nesiqinisekiso sengqesho esilula kunye neminyaka embalwa yee-W-2 xa beqwalasela isicelo semali mboleko yezindlu, kuba bazijonga njengengozi encinane kunezinye iintlobo zengqesho.
Kodwa njengomboleki, awufuni kohlwaywa ngenxa yokungabi namsebenzi xa uzithembile ekukwazini ukubuyisela imali mboleko yendlu, okanye ukuba ufuna ukuhlaziya imali-mboleko yakho ukuze unciphise iintlawulo zenyanga mboleko. Iintlawulo ezincinci zemboleko zinokuba luncedo ngakumbi ukuba usandula ukuphulukana nomsebenzi kwaye unexhala malunga nohlahlo lwabiwo-mali lwakho lwenyanga.
Ukuthenga okanye ukuxhasa ngemali mboleko yakho ngelixa ungaphangeliyo ayinakwenzeka, kodwa kuyakuthatha umzamo omncinci kunye nobuchule ukuze kuhlangatyezwane neemfuno zenkxaso-mali. Ngelishwa, ababolekisi abadli ngokuyamkela ingeniso yokungaphangeli njengobungqina bengeniso yemali mboleko yakho. Kukho izinto ezikhethekileyo kubasebenzi bexesha elithile okanye abasebenzi abayinxalenye yombutho. Nazi ezinye iindlela onokuzisebenzisa ukukunceda ufumane okanye uxhase ngemali mboleko yakho ngaphandle komsebenzi.
