Sebenzisa igqwetha ukulwela ukubekwa phambili

Ukuzibonakalisa

Sebenzisa Ukuchazwa kwegqwetha kwezomthetho ukukhusela amalungelo akho.

Ukuba ufuna ukunqanda ukuboniswa okanye ukufumana utshintsho kwimali mboleko, kuya kufuneka unxibelelane neGqwetha loKhuselo lweNtsholongwane ngoku ukuxoxa ngazo zonke iindlela zokonga ikhaya lakho. Lonke inyathelo olithathayo namhlanje lingakusindisa ixesha elingakumbi kwixa elizayo. Ukuqesha igqwetha elazi umthetho ongaphambi kwamanyathelo linyathelo lokuqala lokugcina ikhaya lakho.

Uza kukwenzela ntoni igqwetha eliliSekela?

Ifayile yesaziso sokubonakala (NOA)

Ukuba uyayiqasha NJ iGqwetha loKhuselo okanye I-NY Foreclosure Defense Attorney, baya kufayila a Isaziso sokubonakala (NOA) egameni lakho kwinkundla yomibini kwaye unikezele ngesaziso kwigqwetha lakho lebhanki. Le yindlela igqwetha lakho eliya kuqinisekisa ngayo ukuba wonke umntu obandakanyekayo kweli tyala uza kuyazi ukuba umelwe. Ikwavumela ukuba igqwetha likwazi ukulandelela yonke into egcinwe kwinkundla. Kuzo zombini i-NJ kunye ne-NY zonke iimeko zokungaboni ngasonye zifakwe efayilini. Ke, emva kokuba i-NOA ingenisiwe igqwetha lakho liya kufumana isaziso nge-imeyile xa nantoni na efayilwayo nenkundla kamsinya nje emva kokuba ifakiwe.

Phendula iimpendulo kunye nokukhalaza okanye ukulungisa iimpendulo zakho

Emva kokuba ufumene isamani kunye nesikhalazo, ukwiphepha lokuphendula. Igqwetha lakho elibonakalayo liya kukwenzela le nto. Ukuba sele uphendulile, igqwetha lakho lisenokufuna uhlengahlengiso kwimpendulo yakho ukuze uqiniseke ukuba uzisebenzisa zonke iimpazamo zakho, okanye unokuguqula iimpendulo zakho zenziwe ngendlela engeyiyo.

Le yindlela oqala ngayo ngokusemthethweni ukulwa umlo.

Ukubonakala kwiiNkomfa zokuHlala

Amazwe afana INew York ibe sesevisi Iingqungquthela zokuhlala apho umnini khaya ahlala khona kwisakhiwo esixelwe kwangaphambili. Ukuba ummeli webhanki akabonisi ukuba ulungele ukuxoxa kwinkomfa yohlaziyo, inkundla ingalirhoxisa eli tyala ngokunyanzelisa i-bhanki ukuba iqale inkqubo yokubonakalisa ngaphezulu. Usompempe okhethiweyo kwinkundla yenkundla uya kuzama ukwenza ukuba omabini la maqela enze isigqibo esingapheli ekubonakalisweni okanye umnini uyishiya ipropathi. Igqwetha lakho elibonisa intshabalalo engaphambili liza kuya kwezi ntlanganiso linyanzelisa amalungelo akho kwaye lihambise ngokugxothisa ityala ukuba igqwetha lebhanki alibonakalisi kuthembekile.

Sebenzisa Umthetho oBonisa izinto ezingafunekiyo kunye nezicwangciso zokukhusela ikhaya lakho

Naxa ucinga ukuba unokhuselo lwe-dunk slunk, alusoloko lisebenza, yiyo loo nto singena kunye namacebo amaninzi ahlonitshwayo ukusuka kwiminyaka yamava. Asoyiki ukubhenela isigqibo sejaji ukuba unelungelo. Siza kuwusebenzisa wonke umthetho esinokukhusela kutyalo-mali lwakho.

Ngamanye amaxesha konke okufunayo kukutshintsha iMali mboleko yakho.

Siza kusebenza nawe ngelixa sikhusela ikhaya lakho ukuba lifake isicelo sokulungiswa kwemali mboleko. Kusenokwenzeka ukuba wakhatywa kwixa elidlulileyo, kodwa ukuba uye waguquka kwiimeko unokuzama kwakhona kwimali mboleko. Ngamanye amaxesha abantu banyanzeliswa kwisahluko 13 yokuchithwa kwemali ukuba isebenze kulungiso lwemali mboleko. Siphatha ezi meko ngalo lonke ixesha. Sisebenza kunye nawe ukufumana iziphumo ozifunayo.