Ndinesivumelwano neebhanki zam ukuba kufuneka ndifake impendulo kwi-Foreclusive ye-NJ yam?

Ndinesivumelwano neebhanki zam ukuba kufuneka ndifake impendulo kwi-Foreclusive ye-NJ yam?

Igama lam ndinguVeer Patel. Ndili gqwetha kunye neqabane kuPatel, Soltis, kunye negqwetha likaCardenas kwezomthetho kwiPhondo laseNew Jersey. Ndiqhelanisa nomthetho wangaphambili.

Namhlanje ndiphendula umbuzo: "Ndisebenzile umbolekisi nombolekisi kusadingeka ukuba ndifake impendulo kwisenzo sam sokubonisa iNew Jersey?"

Andikwazi ukukuxelela ukuba mangaphi amaxesha abathengi abacinga ukuba bakwenzile ukujongana nombolekisi wabo. Bafumana isithembiso komnye umntu okwifowuni besithi, “Ewe uguquliwe. Sukuba nexhala. Yenza intlawulo yakho. ”

Okanye, bacinga ukuba beva into. Okanye, abevanga ngokuchanekileyo. Okanye, bacinga ukuba intshabalalo yabo kwisimangalo isemi ngenxa yokuba ibhanki ithe iya kuba njalo. Ke, bayayeka i-litigation ihambe de kube kusemva kwexesha.

Ukuxelwa kwangaphambili kugqityiwe ngelixa basazama ukwenza into ngebhanki yabo. Injongo ayifanele ihlise naliphi na amalungelo akho ngaphandle kokuba kufuneka. Ke, ukuba udlule kumaxesha athile abekiweyo kwaye ucinga ukuba awukwazi kufaka mpendulo. Ndingathi usazofaka impendulo ukukhusela amalungelo akho xa into ingabakho ngebhanki.

Ncomelo yam. Ifayile impendulo. Khusela amalungelo akho.

Amaxesha amaninzi umxhasi uza kufumana uhlengahlengiso. Bakufika abathengi bayakuthi, "Ndifumene uhlengahlengiso lwemali mboleko, kodwa ndikwanayo nesamani kunye nesikhalazo apha. Ngaba kufuneka ndiphendule impendulo? ”

Ndijonga ukuguqulwa kunye neemeko ezihamba nayo. Ndijonga ukuba ingaba intlawulo yolingo sele imisiwe okanye hayi. Okanye ukuba isicwangciso sabo sentlawulo siyenzeka kwaye sibhetele kunoko banako ngoku.

Ngokwesiqhelo ibhanki ithumela into ebhaliweyo ebonisa ukuba uneenyanga ezi-3 ukuya kwezi-6 kwiinyanga apho kufuneka uhlawule ngexesha okanye kufuneka uhlawule imali ebekiweyo kwaye nje ukuba wenze ezi ntlawulo uyakufumana uguquko olusisigxina.

Uya kusayina kwaye ubuyise amaxwebhu ebhankini. Ukuba awukabinayo into ebhaliweyo evela ebhankini, kuya kuba nzima ukungabi namali mboleko. Emva koko ukuguqulwa kuyarekhodwa kwaye i-voila unemigaqo emitsha kwi-mboleko yakho.

Ukuxelwa kwangaphambili kugxothiwe kwaye ulungile. Ke ukuba umthengi uza kwaye baphakathi embindini wesicwangciso kodwa abayazi imigqaliselo yohlengahlengiso. Kuya kufuneka ndicinge ukuba kutheni becinga ukuba banokulungiswa. Kude kube kugqitywe ukuhlawulwa kwetyala kwaye umxhasi wamkele loo miba, akukho siqinisekiso sokuba ukubekwa kwetyala kwangaphambili kuya kumiswa.

Nje ukuba kuguqulwe imalimboleko kwaye bakhethe mhlawumbi bangazamkeli imigaqo. (Sibe necala elinye ixesha apho izinga lenzala liye lonyuka nge-4% ngaphezulu kwento ebihlawulwe ngumthengi wethu kwaye ngekhe ihlawulwe enye imali engange-200,000 yeedola ngenzala yemali mboleko, oko ke kuye kwafuneka sinike uluvo lokuba iyimali mboleko embi na ukulungiswa.) Ke, ukuba abalifumananga mpendulo, ngebalikhuphele amalungelo athile. Oku kuyakuvumela i-Bhanki ukuba ikhawulezise ixesha lokuchazwa kwabo.

Kwimeko apho uyazi ukuba bekungangcono ukuba uphendule endaweni yokubonisa. Ngamanye amaxesha abantu bahlala befumana ixesha elinzima xa besebenza ngokutshintsha kwemboleko yabo. Nokuba baphakathi kwemisebenzi okanye nokuba umntu uyagula okanye uyagula kodwa izinto zikhangeleka ngcono. Zininzi iimeko ezenza ukuba abantu bafumane isicwangciso sokuhlawula ityala, emva koko benze intlawulo enye okanye ezibini kwaye abanakukwenza owesithathu. Okanye, uyazi ukuba zenza ezintathu kwaye ziphose ulwesine ngaphambi kokuba urekhodo olusisigxina lubhalwe.

Uyazi ke kuloo meko, ukuba awuzange ufayile mpendulo, uvumele isantya somgca wexesha esichasene nawe. Kwaye, kukwenzakalisa ngokwenene ukuba nje ufuna enye inyanga okanye ezimbini ekuhambeni kwexesha ukuba usebenze ngokwenyani izinto zokuphindela ezinyaweni zakho.

Ezo iimpendulo umbuzo. Ndicinga ukuba kusafuneka ugxile kakhulu kwimeko yakho yenkundla ukuze uqiniseke ukuba awuziyeki amalungelo akho, kwaye unesicwangciso sokubuyela umva.

Ukuba wena ukuba ufumene umxholo wale vidiyo uluncedo okanye uyakonwabela umxholo nceda ubambe iqhosha elifanayo kwaye ubhalise.

Ukuba unayo nayiphi na imibuzo: Fowunela u-201-256-1805 okanye usithumelele i-imeyile [Imeyile ikhuselwe]

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