Bheka zonke izinketho zokuvezwa ngejezi elisha

Ukuthengiswa Okufushane vs Ukukhokha Okumfishane vs Ukudalulwa: Nezinye Izinketho okudingeka Ukwazi

I-Short Sale vs Short Pay Off vs Foreclosed vs Bankruptcy vs Ezinye izinto okufanele uzicabangele.

Uma ufunda le ndatshana ngokungafani nokuthi ubhekene nokuvezwa noma mhlawumbe ubhekene nayo kungekudala. Cishe i-1% yawo wonke amakhaya ngaphakathi I-New Jersey endaweni ethile yokubonwa, awuwedwa. Cishe futhi ubhekene nesikhukhula solwazi olushayisanayo oluvela emithonjeni eminingi. Unabantu abanikela ngokuthenga indlu yakho, abanye abanikela ngokukutholela ukuguqulwa kwemali mboleko, abanye banikela ngokukufaka ekuqothulweni ukusindisa ikhaya lakho, abanye banikela ngokuthola umuntu ozothenga ikhaya lakho…

Hmm, lelo khambi lokugcina lizwakele kakhulu njengakuqala? Imvamisa ikhaya limele i-80% yenani lempahla efeni lapho abanye bedlula, futhi lokhu kuvame ukuba iqiniso ngenkathi abantu besaphila, futhi. Ngakho-ke wonke umuntu ozama ukuthenga ikhaya lakho uzama ukuthi athathe imali ephaketheni lakho noma enze inzuzo ngesimo sakho.

Wonke umuntu Uzama Ukuthola Imali Ngaphandle kwesimo Sakho.

Ukuthola ukuthi isiphi isixazululo esikufanele kunazo zonke, udinga ukwedlula konke ongakhetha kukho nomuntu ozokuchazela izinketho ongazithola usesimweni sakho. Futhi, ukuthi zonke izinketho zingakusiza noma zikulimaze kanjani ngokuya ngesimo sakho esiyingqayizivele. Ngincoma ukuthi ngikhulume nommeli ukuze ngibuze imibuzo ethize ngesimo sakho. Akudingeki, futhi kufanele ukhulume nabangaphezu koyedwa ukuze uqiniseke ukuthi uthola izeluleko ezifanele. Akubona bonke abameli abakhona emthethweni, futhi ngeke bahlale basebenzela inzuzo yakho enhle. Ngizobeka uhlu lwezinketho okungenzeka ukuthi ubhekene nazo.

Akusikho konke ukubonwa okufanayo, futhi akuwona wonke amakhambi atholakala kwisimo sabo bonke abantu. Ukwembulwa kwembesela ejwayelekile kwehlukile kuneKwembulwa Kwentela Yentela, kufana nokuthi yehlukile ekuvezweni kweNhlangano Yomninikhaya (Home Owner's Association) futhi konke lokhu kwehlukile kunokubikezela ngemboleko engemuva. Futhi, uma othile edlulile izinketho zefa futhi ziyahlukahluka kuhlobo ngalunye lwembula. Futhi, uma ungeyena isihlobo segazi futhi uthola owakho esimweni sokuba nepropathi e-Estate ukuthi unguMzuzi izinketho zakho nazo zihlukile. Hhawu, futhi uma omunye umuntu owayenentshisekelo yobunikazi egcwalisa ukuqothuka izinketho nazo zishintsha.

Ukuchaza zonke izinketho kuwo wonke umuntu osembonweni kungathatha incwadi, kepha ngalesi sihloko, sizodlula nje kubuhle nezithelo ezilula zekhambi ngalinye.

Ukudalulwa eNew Jersey:

Izinsizakusebenza ulahlekelwe yipropathi kanti uma igama lakho likule mpahla uzoba nembono yokulandela ngemuva kombiko wakho wesikweletu. Uma une ukulingana impahla, uyolahlekelwa uma ukhetha ukwenza lutho mayelana kwembulelwa. Noma ngabe uvezwa kusengaphambili, usengaba nezinketho zokuphinda ubuyise impahla noma inani lesakhiwo elimele. Akukaze kube buhlungu ukukhuluma nommeli ngisho nangemva kokuba ucabange ukuthi lonke ithemba selilahlekile. Singakutshela izindaba zamakhasimende eza kithi lapho sikwazile ukubuyela khona emuva kokudalulwa. Unamalungelo, futhi ukhuluma noMmeli Wokubikezela Ngezimpawu ZaseNew Jersey mayelana nabo, ungathola isisombululo. Ngeke futhi ukwazi ukuthenga ikhaya ngemalimboleko yakho eminyakeni emibili ezayo.

Okuhle kukhona…. Eish, uma indlu yayingama-albatross ezungeze intamo yakho akudingeki uphinde ukhathazeke ngayo. Umthelela omubi nje onawo ekukhokheleni kwakho phambili kanye nekhono lokuthenga ikhaya elisha ngokuzayo. Kukhona izinketho ezikuvumela ukuthi ulahle ikhaya, nokuthi uzuze kuzo. Singadlula kulabo abasezigabeni ezilandelayo.

Thengisa Ikhaya Lakho Elisha LaseJersey Ngenkathi Ekudalulwa (Akuthengisiwe

Okuhle ukuthi uma une-equity uthola imali ephaketheni lakho. Lokhu kungazwakala kuyisiwula, kepha sinabantu abaye beza kithi becabanga ukuthi izindlu zabo bezingaphansi kwamanzi, kodwa sabonisana ne-realtor futhi sathola ukuthi ikhaya labo lalibaluleke kakhulu kunalokho ababekucabanga. Uma ufuna inani lamahhala ekhaya lakho, iya kuFirst Look Realty for a Ukuhlolwa Kwasekhaya Kwamahhala. Kungani bazokwenza mahhala? Ngakho-ke, ngolunye usuku bangathola amandla okubhala ekhaya lakho. Umuhle ngqo phambili. Isisusa senzuzo yokuthengisa ikhaya lakho ngangokunokwenzeka.

Cishe yileso sizathu esifanayo izinsimbi abatshalizimali abangaba khona bangqongqoza emnyango wakho bezama ukuthenga ikhaya lakho. Babona ukuthi usenkingeni futhi bafuna ukusizakala ngesimo sakho. Lapho i-realtor ifuna ukuthengisa ikhaya lakho ngenani lemali, kuyilapho abatshalizimali bafuna ukukukhokhela okuncane. Kunenqwaba yabantu ezweni lonke abathengisela abantu izindlela zokuthola abantu ababhekene nokuvezwa, ukuze bakwazi ukufinyelela ukuzama ukuthenga impahla engaphansi kwenani lemakethe. Yilapho wena njengomninikhaya usizakala khona. (Uma ucabanga ukuthi ungathengisa ikhaya lakho ngaphezu kwe-Realtor, khumbula umnikazi I-For sale Buy Owner iwebhusayithi isebenzise i-realtor ukuthengisa ikhaya layo futhi wenza imali eningi ngisho nangemva kokukhokha i-realtor.)

Futhi, ngaphandle kokubikezela kwirekhodi lakho, kulula ukuthenga ikhaya elisha ngokushesha okukhulu. Ukufanelekela ukubolekwa, futhi ukungathathi okushaywayo kumbiko wakho wesikweletu weminyaka ye-7 ngesambulela.

Ama-Conshess ulahlekelwe yindlu yakho. Kwesinye isikhathi ukuhlala ekhaya kubaluleke kakhulu kunokulingana. Izinkumbulo zomndeni azithengiswa kalula. Ungahle futhi ubhekane nokuxoshwa uma usahlala kuleyo ndawo, okuzokwenza kube nzima ngisho nokuqasha indawo yokuhlala.

Ukuthengisa Okufushane Ikhaya Lakho LaseNew Jersey

Lokhu kukusiza ukugcina ukubekwa kude nerekhodi lakho futhi ugweme isimo sokuxoshwa njengaleso simo esingenhla, kodwa, ngokuvamile ngeke ubone imali yesivumelwano. Kepha, ungakwazi ukuthola i-Cash for Keys njengengxenye yesivumelwano noma ukukhipha imali. Abanye abantu bangathanda ukuhlala kuze kube ukuxoshwa, futhi isimo sawo wonke umuntu sehlukile ngakho-ke uma kungenjalo, shayela ummeli waseNew Jersey Foreclosure Defense ukuthuthukisa umugqa wesikhathi wokuhlala ekhaya lakho uma ufuna ukuhamba ngale ndlela.

Uma uzibuza ukuthi inqubo yokuthengisa okufushane ibukeka kanjani, sizoyemboza lokho kwelinye iposi. Okuyisisekelo kufanele ukuthi ukweleta okungaphezu kokuthi impahla iyifanele noma isondele. Kwezinye izimo, obolekayo angavumela ngisho nokuthengiswa okufushane uma impahla ingekho ngaphezu kwamanzi nje ukumisa inqubo yokubekwa phansi. Ezimweni eziningi, sibona amabhange ezimisele ukuthatha i-80% yenani lekhaya ukuze nje uphume kulesi simo. Amabhange amaningi akafuni ukubhekana nethemba lokuphatha impahla engenzi iminyaka ngeminyaka ezincwadini zawo uma ezolahlekelwa yimali.

I-hose imvamisa idinga ukufakwa kuhlu nge-realtor, ngakho-ke ibhange linokuqinisekisa ukuthi izonikezwa into ephezulu kakhulu. Ngakho-ke, ukuthengiswa okufushane phakathi kwezihlobo ngokuvamile akwenzeki noma kuyathandiswa. Kodwa-ke, ukuthi kungenzeka ukuthi ukhokhe okufushane konke kukulezi zimo.

Ukukhokha Okufishane eNew Jersey

Inkokhelo emfishane yenza isivumelwano sokukhokha ebhange imali engaphansi kwesikweletu. Lokhu kuvame ukwenzeka kubantu abaningi ngoba uma benemali yokukhokha imalimboleko, bebengeke babhekane nokudalulwa. Kodwa-ke, abanye abantu banezihlobo ezicebile ezimisele ukusiza, umqashi onemali eyengeziwe, noma bathola imalimboleko yemali enzima. Umbolekisi wemali enzima ngesinye isikhathi uzosebenzisana nebhange ukuthi akhokhe kuphela imali engu-75% yemalimboleko yokuqakathekisa i- "LTV" noma yehlise impahla ebhange bese enikeza umnikazi wemali mboleko ngenani elisha.

The zombili lezi zimo ukuthi ungalahlekelwa yindlu yakho, noma ukulingana okubonakalayo empahleni yakho, noma obolekayo kungenzeka angafuni ukusebenza nawe. Futhi uzothola nefomu le-1099 ekupheleni konyaka ekutshela ukuthi kufanele uphathe isikweletu esilixolelwe njengemali engenayo ngezinjongo ze-IRS. Kunezindlela zokuthi lokhu kungafakwanga kumanani wakho, futhi kufanele uxoxe ngalokhu nomuntu obala imali. Ngeke uthole lokhu ku-TURBOTAX online. Uma uthenga isoftware ukufakwa, iku-CD. Kuyisimo esenzeka kubantu abaningi.

Ngakho-ke uma umuntu obolekayo engakwazi ukwenza izinkokhelo zakho zempahla ebanjiswayo, futhi uhlangabezana nokwehla okukhulu kwenani lekhaya lakho. Ungaxhumana nombolekisi wakho ngokuthi kungenzeka ukuthi uthengise kafushane noma ukhokhe iDemo kuleyo ndawo esikhundleni sokuboniswa kombolekisi kuleyo ndawo. Ngokuya ngokuthi yiziphi izidingo zakho, noma yiziphi kulezi zimo ezingase zikusebenzele.

Izenzo kuLieu Zokudalulwa

Ngokwesivumelwano se-Lieu of Foreclosed isimo ibhange likuvumela ukuthi uguqule impahla ngokusayina itayitela. Okuhle ukuthi awuseyena umnikazi wepropathi. Ukuhlanganisa kubandakanya ukulahlekelwa ukulingana, kokuba i-1099 ithunyelwe kuwe ngonyaka ngezinhloso ze-IRS futhi futhi ingatholi imali yokuphuma. (Bheka u-Cash for Keys ngezansi)

Imali Yezikhiye Zekhaya Elisha leJersey

I-Cash for Keys ilungiselelo, ibhange likukhokhela ukuthi uphume. Lokhu kungenzeka ngaphambi noma ngemuva kokudalulwa. Ngokuyisisekelo, ibhange likukhokhela ukuthi uhambe ngaphandle kuqhuma indlu, or ukweba i-al ngamapayipi ethusi lapho usuka. Imali ifana neTayitela eLieu ngaphandle kokuthi unemali manje emaphaketheni akho.

Ukushintshwa kwemalimboleko

Ukulungiswa kwemalimboleko kuhlukile kunokucabanga ngokuthi ibhange lakho lisebenza nawe kwimalimboleko yakho yakudala futhi liguqula imigomo yamanje. Kwesinye isikhathi imigomo iba mibi ngokuhamba kwesikhathi noma ngcono. Uma une-7% yemalimboleko yemakhaya bese yehlela ku-4% ngaphezulu kwensalela yemalimboleko uzogcina imali. Futhi, uma usuqedile ukwenza izinkokhelo zakho zecala lokushintshwa kwemali mboleko ejwayelekile, ibhange lizosichitha leso sikhalazo sokudalulwa kwecala.

Kwezinye izimo, ukuguqulwa kwemalimboleko kungaba ngcono esikhathini esifushane, kepha kulimaze kakhulu esikhathini eside. Uma imalimboleko yakho yeminyaka engu-30 inwetshwa iminyaka engu-40 izinkokhelo zakho zingase zehle, kepha uma amanani akho enzalo enyuka ungagcina ukhokha ngaphezulu kobude bemali mboleko. Kwesinye isikhathi abantu bathatha ukuguqulwa kwemalimboleko ye-pad ngenhloso yokusizakala yesikhashana yokumisa ukubonwa.

Ukucabanga kabusha

Ngokungafani nokushintshwa kwemali mboleko, ukuphinda unike imali uya kumbolekisi ohlukile ukuze ukhokhele imali mboleko yakho yakudala. Imvamisa abantu abasesimweni sokusobala abakufanelekeli ukuphakanyiswa kabusha njengoba isikweletu sabo sizobe sesitholile futhi akekho ofuna ukuboleka ingozi embi ngaphezulu kwemali. Kodwa-ke, kunezinkampani ezithile ezixoxisana nebhange ukuthenga imalimboleko ngesaphulelo ezivele zizimisele ukuboleka imali ezwakala kangcono kuwe, kodwa ekugcineni kosuku, zenza amathoni imali.

Uma ufuna ukwenza konke ongakukhetha kufanele ukhulume no Ummeli Wokucekelwa Kwentela eNew York ukudlulela kukho konke ongakhetha kukho. Ummeli uzohlonipha ubumfihlo bakho, aphendule yonke imibuzo yakho, abukeze zonke izinketho zakho eziphathelene nempahla yakho ebanjiswayo, axoxe ngezinketho ezihlobene nobuphi ubunzima obhekene nabo ngaphandle kokugwetshwa. Xhumana nathi namuhla ukuze udlule izinketho zakho ezihlobene nemalimboleko yakho yosizo lwangempela. Lokhu akukubizi mali. Woza kwelinye lamahhovisi ethu noma usishayele ku- (844) 533-3367.

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