Igama elingukhiye: Ukubekezela;I-Refinance;Isikolo sesikweletu
Kuyini ukubekezela?
Ukubekezela kulapho isisebenzi sakho se-mortgage noma umbolekisi ekuvumela ukuthi ukhokhele imali mboleko yakho okwesikhashana ngenkokhelo ephansi noma ume kancane ukukhokha imali yakho yendlu.Kuzodingeka ukhokhe ukuncishiswa kwenkokhelo noma ukubuyisela izinkokhelo ezimisiwe kamuva.Kuzodingeka ukhokhe noma yiziphi izinkokhelo eziphuthelwe noma ezincishisiwe.
Abantu abaningi baseMelika babhekene nalesi simo esibucayi phakathi nenhlekelele ye-coronavirus, eholele ekudilizweni kwabantu abaningi, ukunciphisa amahora noma ukuncishiswa kwamaholo kubasebenzi abaningi.Ngenxa yalokhu, ababolekisi kanye nohulumeni wobumbano bahlinzeka ngezinketho ezikhethekile zokubekezelela imali yezindlu ngenxa ye-COVID-19 ukuze kugcinwe abantu ezindlini zabo.
Ingabe ukubekezela kwe-mortgage kuyayithinta isikweletu sami?
Ngaphansi koMthetho we-CARES, akumele kube nomthelela omubi kumaphuzu esikweletu somboleki ezinkokhelweni ezigejiwe ngesikhathi esigunyaziwe sokubekezela.Kodwa ungayeki ukwenza izinkokhelo zezindlu kuze kube unesivumelwano esibhaliwe sokubekezelelana.Uma kungenjalo, isisebenzi sizobika izinkokhelo sekwephuzile kuma-credit bureaus, okungase kulimaze amaphuzu akho esikweletu.
Ngingakwazi yini ukwenza imali kabusha uma ngibekezele?
Ababolekayo bangakwazi ukubuyisela imali ngemuva kokubekezelela, kodwa kuphela uma benza izinkokhelo zezindlu ezibolekwa ngesikhathi ngokulandela isikhathi sokubekezela.Uma ukuyekile ukubekezela kwakho futhi wenza inombolo edingekayo yokukhokha ngesikhathi, ungaqala inqubo yokubuyisela imali.
Ngingakwazi ukubuyisela isikhathi esingakanani ngemuva kokubekezela?
Kufanele ufaneleke ukukhokhela kabusha indlu yakho yezindlu ngokushesha ngemva kwezinyanga ezintathu uma uhlala unolwazi mayelana nezinkokhelo zakho zendlu yezindlu uma ukubekezela sekuphelile.
Awukwazi ukukhokhela kabusha i-mortgage yakho ngenkathi imali oyibolekiwe iseneke.
Isikhathi sokuthumela: Jan-20-2022