Jonga zonke iinketho zembonakalo yejersey entsha

Ukuthengisa kufutshane vs ukuhlawula kufutshane vs ukubonakaliswa: kunye nezinye izinto onokukhetha ukuzazi

Ukuthengisa kufutshane vs ukuhlawula kufutshane vs ukubonakaliswa vs ukubhengezwa vs nezinye izinto omele uziqwalasele.

Ukuba ufunda eli nqaku ngokungangqinelani kukuba ujongene nokuvezwa okanye mhlawumbi ujongene nalo ngokufutshane. Ngokomyinge we-1% wawo onke amakhaya ngaphakathi IJersey entsha kwindawo ethile yokuxelwa kwangaphambili, awukho wedwa. Mhlawumbi ujongene nomkhukula wolwazi oluphikisayo oluvela kwimithombo emininzi. Unabantu abanikezela ngokuthenga indlu yakho, abanye abanikezela ngokukufumanela ukubolekwa kwemali-mboleko, abanye becela ukukufaka ekubhengezeni imali ukuze ugcine ikhaya lakho, abanye becela ukufumana umntu oza kuthenga ikhaya lakho…

Hmm, isisombululo sokugqibela sivakala kakhulu njengakuqala? Ngokwesiqhelo ikhaya limele i-80% yexabiso lexabiso kwipropathi xa abanye bedlula, kwaye oku kuye kwenzeke kuyinyaniso ngelixa abantu besaphila, nabo. Ke wonke umntu ozama ukuthenga ikhaya lakho uzama nokuba athathe imali epokothweni okanye enze inzuzo kwimeko yakho.

Wonke umntu uyazama ukwenza iMali ngeMeko yakho.

Ukufumanisa ukuba sisiphi isisombululo esifanelekileyo kuwe, kuya kufuneka uhambe kuzo zonke iindlela zakho onokukhetha nomntu oza kukuchazela ukhetho olukhoyo kwimeko yakho. Kwaye, zonke iindlela zokukhetha zinokukunceda okanye zikwenze buhlungu njani kwimeko yakho eyahlukileyo. Ndicebisa ukuba ndithethe negqwetha ukuba libuze imibuzo malunga nemeko yakho. Akunyanzelekanga ukuba ube, kwaye kuya kufuneka uthethe ngaphezulu kwesinye ukuze uqiniseke ukuba ufumana ingcebiso elungileyo. Ayingabo bonke abameli abakhoyo kulo mthetho, kwaye abayi kuhlala besebenzela umdla wakho. Ndiza kubeka uluhlu lwezinto onokuthi ujonge kuzo.

Ayisiyiyo yonke imbonakalo yangaphambili efanayo, kwaye ayizizo zonke izisombululo ezikhoyo kwimeko yomntu wonke. Ukuxelwa kwangaphambili kobambiso oluqhelekileyo kwahlukile kunokubhengezwa ngeTyala lokuTyhilwa kwetyala, njengoko lahlukile kubhengezo lombutho wabaninimzi kwaye zonke ezi zinto zahlukile ekubonakalisweni kwetyala elibambekayo. Kwaye, ukuba umntu udlulile iinketho zepropathi yendawo yokuhlala nazo zahlukile kuhlobo ngalunye lwembonakalo. Kwaye, ukuba awuyondoda yegazi kwaye ufumana isiqu sakho kwisikhundla sokuba nepropathi kwiPropathi yeNdawo eyiLifa lakho. Owu, kwaye ukuba umntu wendlela enomdla wobunini wafaka ityala lokungabinamali, ezo zikhetho zitshintshile.

Ukucacisa zonke iindlela zokhetho kuye wonke umntu osembonweni kungathatha incwadi, kodwa ngeli nqaku, siza kugqithisa kweendlela eziluncedo kunye nezona zilula kwisisombululo ngasinye.

Ukudalulwa kwezinto eNew Jersey:

Impahla leyo ilahlekile kwipropathi kwaye ukuba igama lakho likule propati kuya kubakho ukubonwa kwetyala lakho emva kwetyala lakho. Ukuba unelungelo ngokulinganayo kwipropathi, uya kuyaphulukana nayo ukuba ukhetha ukwenza nantoni na ngokubhekiswa phambili. Nokuba uxelwe kusengaphambili, usenokuba nokukhetha ukuphinda ubuyise ipropathi okanye ixabiso lepropathi leyo liyimeleyo. Akusoloko kunzima ukuthetha negqwetha nokuba sele ucinga ukuba lonke ithemba lilahlekile. Singakuxelela amabali abathengi abaze kuthi apho sakwazi ukubuyisa amakhaya abo emva kokubhencwa. Unamalungelo, kwaye uthethe neGqwetha lokuTyhilwa kweNew Jersey malunga nabo, unokufumana isisombululo. Kananjalo awuzukuthenga ikhaya ngemali mboleko kwiminyaka emibini ezayo.

Izinto ezilungileyo zi .... Ewe, ukuba indlu yayiyi-albatross ejikeleze intamo yakho, awuzukukhathazeka ngayo. Impembelelo nje engentle enayo kwikhredithi yakho ukuya phambili kunye nokukwazi ukuthenga ikhaya elitsha kwixa elizayo. Kukho iindlela ezikuvumela ukuba ulahle ikhaya, kunye nokuba uxhamle. Singadlula kwezo zikumacandelo alandelayo.

Thengisa ikhaya lakho elitsha iJersey ngelixa usengozini (hayi iThengiso elifutshane)

Iziphumo ezilungileyo kukuba xa unolungelelwano ufumana imali epokothweni. Oku kunokuvakala kusisidenge, kodwa sinabantu abaye beza kuthi becinga ukuba amakhaya abo aphantsi kwamanzi, kodwa sacebisana no-realtor kwaye safumanisa ukuba ikhaya labo lixabiseke ngaphezulu kunokuba becinga. Ukuba ufuna amaxabiso asimahla kwikhaya lakho, yiya kuQala ukujonga ukuHamba ngeNdawo kwi-a Uvavanyo lwasekhaya lwasimahla. Kutheni beyenza mahala? Ke, ngamhla uthile banokufumana amandla okubhala uluhlu lwekhaya lakho. Umhle ngokuthe ngqo. Isizathu senzuzo yokuthengisa ikhaya lakho kangangoko kunokwenzeka.

Esi phantse sisizathu esifanayo sokuba uninzi Iintsini Abatyalomali abanokubakho bayankqonkqoza emnyango bezama ukuthenga ikhaya lakho. Bayabona ukuba usengxakini kwaye bafuna ukuthatha ithuba kwimeko yakho. Apho i-realtor ifuna ukuthengisa ikhaya lakho ngeyona mali ininzi, ngelixa abatyali-mali bafuna ukukuhlawula kancinci. Baninzi abantu kwilizwe liphela abathengisa iinkqubo zabantu malunga nendlela yokufumana abantu abajongile, ukuze bakwazi ukufikelela ekuzameni ukuthenga le ndawo iphantsi kwexabiso lentengiso. Kulapho wena njengomnini khaya uthathiweyo. (Ukuba ucinga ungathengisa ikhaya lakho ngaphezulu kwe-Realtor, khumbula umnini Ukuthengisa Thenga Umnini webhusayithi usebenzise i-realtor ukuthengisa ikhaya lakhe nokwenza imali ethe kratya emva kokuhlawula i-realtor.)

Kwaye, ngaphandle kokubhengezwa kwirekhodi lakho, kulula ukuthenga ikhaya ngokukhawuleza. Ukulungela ukubolekwa imali, kwaye ungathathi i-hit kwingxelo yakho yamatyala yeminyaka ye-7 ngokuxelwa kwangaphambili.

Izinto ezilahliweyo ulahlekelwe likhaya lakho. Ngamanye amaxesha ukuhlala ekhaya kubaluleke ngakumbi kune-equity. Iinkumbulo zosapho azithengiswa ngokulula. Ungajongana nokugxothwa ukuba usahlala kwipropathi, eya kuthi yenze kube nzima ngakumbi ukuqesha indawo yokuhlala.

Ukuthengisa kufutshane ikhaya lakho elitsha laseJersey

Oku akukuncedi ukugcina ukubonakaliswa kwengxelo yakho kwaye unqande imeko yokugxothwa njengale meko ingentla, nangona kunjalo, awuyi kubona nayiphi na imali kwisivumelwano. Kodwa, unokukwazi ukufumana ii-Cash zee Keys njengenxalenye yesivumelwano okanye ukhuphe imali. Abanye abantu bangathanda ukuhlala kude kugxothwe, kwaye imeko yomntu wonke yahlukile ukuze kungabikho nto, fowunela igqwetha lezomkhosi elitsha i-New Jersey Foreclosure Defense ukuze likhulise umda wexesha lokuhlala ekhayeni lakho ukuba ufuna ukuhamba ngale ndlela.

Ukuba uyazibuza ukuba ingaba inkqubo yentengiso emfutshane ijongeka kanjani, siya kuyigubungela kwenye iposti. Izinto ezisisiseko kukuhlawula ngaphezulu kwepropathi ekufaneleyo okanye kufutshane. Ngamanye amaxesha, umbolekisi unokuvumela ukuthengisa okufutshane ukuba ipropathi ayikho ngaphaya kwamanzi ukuze ayeke inkqubo yokubonisa. Kwiimeko ezininzi, sibona iibhanki zizimisele ukuthatha i-80% yexabiso lekhaya ukuphuma kwimeko. Iibhanki ezininzi azifuni kujongana nethemba lokuphatha i-asethi engenzi minyaka le kwiincwadi zabo ukuba baya kuphulukana nemali.

Umbhobho oqhelekileyo udinga ukudweliswa ne-realtor, ukuze ibhanki iqiniseke ukuba owona mnikelo uphezulu uza kunikwa. Ke, ukuthengiswa okufutshane phakathi kwesihlobo ngokwesiqhelo akwenzeki okanye kukhathazwa. Nangona kunjalo, ukubakho komrhumo omncinci wokuhlawula konke kufumaneka kwezi meko.

Ukuhlawula ngokuMfutshane eNew Jersey

Intlawulo emifutshane yenza isivumelwano sokuhlawula ebhankini ngemali engaphantsi kwetyala. Ngokwesiqhelo oku akunakwenzeka kubantu abaninzi kuba ukuba banemali yokuhlawula imali mboleko, ngebengekabinakho ukuxelwa kwangaphambili. Nangona kunjalo, abanye abantu banezihlobo ezityebileyo ezizimisele ukunceda, umphathi onemali eyongezelelweyo, okanye bafumana imali mboleko enzima. Umbolekisi wemali enzima ngamanye amaxesha uya kusebenza kunye nebhanki ukuhlawula kuphela i-75% yemali mboleko yokuxabisa i- "LTV" okanye ahlise kwipropathi ebhankini aze anike umniniyo ngemali entsha.

The Ukuphela kwezi meko kukuba ungaphulukana nekhaya lakho, okanye ubalo-mali obonakalayo kwipropathi yakho, okanye umbolekisi wakho angafuni kusebenza nawe. Uyakufumana nefom ye-1099 ekupheleni konyaka ekuxelela ukuba kufuneka uliphathe ityala olixolelwe njengengeniso ngeenjongo ze-IRS. Kukho iindlela zokuba oku kungafakwanga kwiirhafu zakho, kwaye kufuneka uxoxe ngale nto kunye nomgcini zincwadi. Awuyi kukufumana oku kwi-TURBOTAX kwi-intanethi. Ukuba uthenga isoftware emiselweyo, ikwi-CD. Yimeko eyenzeka kubantu abaninzi.

Ke ukuba ungumntu obolekayo akakwazi ukwenza iintlawulo zakho zobambiso, kwaye uye wabona ukuhla okukhulu kwexabiso lendlu yakho. Unokuya kumbolekisi wakho malunga nokuthengiswa okufutshane okanye ukuhlawula imali kufutshane nepropathi endaweni yokuba umbolekisi aqikelele kuloo ndawo. Kuxhomekeka ekubeni zithini na iimfuno zakho, nokuba loluphi uphawu olunokukusebenzela.

Isenzo eLieu yokuBhencwa

Kwitayitile eLieu yokuTyhilwa kwemeko yeBhanki ikuvumela ukuba ujike ipropati ngokuthi isayine ngaphezulu kwetayitile. Iipropathi awuseyiyo impahla. I-Cons ibandakanya ukulahleka kokulingana, ukuba i-1099 ithunyelwe kuwe ngonyaka ngeenjongo ze-IRS kwaye ungafumani mali yokuphuma. (Jonga i-Cash of Keys apha ngezantsi)

Imali ezinkozo ngeKhaya leNew York

Imali elungiselela iiKeyinti, ibhanki ikuhlawula ukuba uphume. Oku kunokwenzeka ngaphambi okanye emva kokubhencwa. Ngokusisiseko, ibhanki ikuhlawula ukuba uhambe ngaphandle kuvuthuza indlu, or ukweba zonke iipayipi zobhedu xa usuka. Imali ziya kufana neNtengo eLieu ngaphandle kokuba unemali ngoku ezipokothweni.

UkuLungiswa kweMali mboleko

Ukulungiswa kwemalimboleko kwahlukile kunokucoca kuba ibhanki yakho isebenza nawe kwimali mboleko yakho yakudala kwaye itshintsha kuphela imibandela yangoku. Ngamanye amaxesha imigama imbi ngakumbi ekuhambeni kwexesha okanye ngcono. Ukuba une-7% yemali mboleko yekhaya kwaye ihla iye kwi-4% ngaphezulu kwemali eseleyo yemali mboleko uyonga imali. Kwaye, emva kokuba ugqibile ukwenza intlawulo yakho yokuhlawula ityala lemali mboleko eqhelekileyo, ibhanki iyakusichitha isikhalazo esibonakalayo.

Ngamanye amaxesha, ukulungiswa kwemali mboleko kunokuba ngcono kwixesha elifutshane, kodwa kubuhlungu ngakumbi kwixesha elide. Ukuba imali mboleko yakho ye-30-minyaka inyuswe ukuya kwi-40 iminyaka intlawulo yakho isenokuhla, kodwa ukuba inzalo yakho inyuka ungaphelela ukuhlawula ngaphezulu kobude bemali mboleko. Ngamaxesha athile abantu bathabatha uguquko kwimali mboleko yesibonelelo sexeshishini ngeenzuzo zexesha elincinci lokumisa ukubekwa phambili.

Ukucamngca

Ngokungafaniyo notshintsho kwimali mboleko, ukuphinda uxhase kuya kumbolekisi owahlukileyo ukuhlawula imali mboleko yakho endala. Ngokwesiqhelo abantu abakwimeko yokumbona bengakulungelanga ukuncitshiswa njengoko ityala labo liza kuba litanki kwaye akukho mntu ufuna ukuboleka umngcipheko ombi kwimali. Nangona kunjalo, kukho ezinye iinkampani ezithetha-thethana neebhanki ukuthenga imboleko ngesaphulelo ezizimisele ukuboleka imali evakala ngcono kuwe, kodwa xa kuphela usuku, zenza iitoni zemali.

Ukuba ufuna ukuya kuzo zonke iinketho zakho kuya kufuneka uthethe no Igqwetha laseNew Jersey lokuBhencwa ukuya kuzo zonke iinketho zakho. Igqwetha liya kuhlonela ubumfihlo bakho, liphendule kuyo yonke imibuzo yakho, liphonononge zonke iinketho zakho ezinxulumene nobambiso lwakho, xoxa ngeendlela ezinxulumene nobunzima ojamelana nabo ngaphandle kokugweba. Nxibelelana nathi namhlanje ukuya ngaphezulu kwezikhetho zakho ezinxulumene nemali mboleko yakho ngoncedo lwenene. Oku akuchithi mali. Yiza kwenye yeofisi zethu okanye usitsalele umnxeba ku- (844) 533-3367.

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