Njengoko inoveli coronavirus ithintela uqoqosho kwaye ibangela ukudendwa kwabantu abaninzi, abantu abaninzi banenkxalabo malunga nendlela abaza kuyihlawula ngayo imali yabo yokubambisa okanye yokuhlawula irente kwiinyanga ezizayo.
Ngapha koko, abantu abaninzi baseMelika banexhala malunga neendleko ezingalindelekanga (iipesenti ezingama-79) kunye nokuhlawula amatyala abo (ama-68 eepesenti) kunokufumana i-COVID-19 (iipesenti ezingama-63), ngokwe uphando ye-1,200 yabantu eyayiqhutywa yindawo yezemali EzemaliBuzz . Xa bebuzwa ukuba banciphise ukukhathazeka kwabo okuphezulu, amaMelika akhankanye ukwahlula phakathi kwempilo (iipesenti ezingama-50) kunye nezezimali (iipesenti ezingama-50).
Kufuneka wenze ntoni ukuba unengxaki yokugcina uphahla phezu kwentloko yakho? Kuxhomekeke kuhlobo luni lobambiso onalo okanye apho urenta kwilizwe, ukhetho lwakho loncedo luyahluka kakhulu.
Into yokuqala ekufuneka uyenzile ukuba unengxaki yokuhlawula irente okanye ukubhatala imali yakho yokubambisa kukufowunela umnini-mhlaba okanye umntu obambise indlu ngokukhawuleza, utsho uMat Frankel, umcwangcisi wezezimali oqinisekisiweyo kunye nombhali kwindawo yezemali. Ukunyuka . Ukugxothwa ngokubanzi kunye nokuhluthwa akulungile kuye nakubani na, kwaye uninzi lwababolekisi abakhulu sele bekhuphile iingxelo bathembisa ukusebenza nomboleki onengxaki yokuhlawula.
Kubalulekile ukuqala incoko kunye nomntu ohlawula amatyala kuye, kunokumisa nje iintlawulo ngokupheleleyo. Ukuphoswa yintlawulo yemali mboleko ngaphandle kokuyichaza ngokusesikweni, umzekelo, kunokwenzakalisa amanqaku akho etyala kwaye kubangele ukuba imali mboleko yakho ingahambi.
Kufuneka wenze ntoni ukuba awunakho ukwenza intlawulo yokubambisa
Urhulumente woburhulumente ubhengeze izicwangciso zoku nqumamisa ubhengezo , kodwa loo nto isebenza kuphela kwimali mboleko exhaswa nguFannie Mae noFreddie Mac okanye kwi-Federal Housing Administration, okanye i-FHA. Iindaba ezimnandi zezokuba uninzi lwabanini makhaya bayawa kolu luhlu, njengoko iingxowa-mali ezinkulu zemboleko uFreddie noFannie beqinisekisa phantse iipesenti ezingama-50 zobambiso, kwaye i-FHA okwangoku iqinisekisa ukongezwa 8 yezigidi zokubambisa usapho olunye .
Abanini bamakhaya abajamelene noxinzelelo lwezezimali kufuneka bafikelele kubabolekisi babo ukuze baxoxe ngeendlela ezinokubandakanya unyamezelo , ukhetho lobunzima olukuvumela ukuba wenze iintlawulo ezisezantsi. Kubalulekile ukuba uqaphele ukuba unyamezelo zihlala zithatha inzala eyongezelelweyo kuba usandisa imali mboleko yakho.
Olunye ukhetho kukuthintela ubambiso lwakho.
Uninzi lwababolekisi kunye neenkonzo zonika iinkonzo ezinesisa xa kufikwa kumba wokuthintela ukuhlawulwa kwemali mboleko ngexesha lobhubhane we-COVID-19, utshilo uFrankel. Kodwa kufuneka ubacele; ayisiyonto izenzekelayo le.
Ukuba ufuna ukukhululeka kwimali mboleko yakho, musa ukulinda de ufike umhla omiselweyo - thatha ifowuni uze utsalele umninimzi wakho obambisayo, eyinkampani oyithumela kuyo intlawulo yakho, kwangoko, utshilo uFrankel. Umbolekisi wakho kufuneka akwazi ukukunika isiqinisekiso esibhaliweyo sokuba intlawulo yakho irhoxisiwe.
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Intlawulo ebanjisiweyo yokubolekwa kwemali ikuvumela ukuba weqe iintlawulo zakho ezicwangcisiweyo ixesha elithile, kodwa usenoxanduva lokuzihlawula, utshilo uFrankel. Kwiimeko ezininzi, naziphi na iintlawulo ezibanjisiweyo zokubolekwa kwemali ngexesha lobhubhane we-COVID-19 ziyakongezwa esiphelweni semali mboleko yakho. Umzekelo, ukuba imali-mboleko yakho icwangciselwe ukuba ihlawulwe ngoJanuwari 2025 kwaye uhlehlise ukuhlawula kwakho izinto ezimbini ezilandelayo, umhla wokuhlawulwa kwakho uyakwandiswa ukuya ngoMatshi waloo nyaka, uyacacisa.
Nokuba uhlehlisa intlawulo okanye ezimbini, kuya kufuneka ulungile xa kufikwa kwirhafu kunye nabanini bamakhaya i-inshurensi, utshilo uFrankel.
Ababolekisi bafuna ukuba ugcine inqanaba elithile lomqamelo kwiakhawunti yakho yokuhamba, ke nokuba kukho iintlawulo ezimbalwa ezimiselweyo, kuya kubakho imali eyoneleyo yokuhlawula ezi nkcitho, utshilo. Xa sele uyithethile loo nto, oku kunokubangela ukuba oovimba abagcina imali yakho behle ngaphantsi kobuncinci bombolekisi wakho, okunokuthi kukhokelele kwintlawulo yokunyuka okuphezulu ngenyanga kwixa elizayo ukwenza ukusilela.
Eyona nto ibalulekileyo? Kwangoko ungenza umnxeba, ngcono, njengoko iinkonzo zinokujongana nonogumbe weefowuni kwiintsuku ezizayo.
Le meko ihamba ngokukhawuleza kwaye uninzi lweenkampani zisacinga ukuba imigaqo-nkqubo yazo iyakuba yintoni, kwaye loo migaqo-nkqubo inokutshintsha njengoko imeko itshintsha, utshilo u-Adrian Nazari, i-CEO kunye nomseki Ityala lesame , indawo yezemali.
Njengokuba, Imali mboleko yasekhaya kaAlly ibhengeze ukuba abathengi bayo bangazirhoxisa iintlawulo zabo ukuya kuthi ga kwiintsuku ezili-120 ngaphandle kokuchaphazeleka kumanqaku abo etyala kwaye kungabikho mali ihlawulwa emva kwexesha kwiintlawulo ezifanele ukuhlawulwa ngeli xesha (nangona inzala isaza kukhula). Ibhanki yaseMelika uthe uyakusebenza nabathengi bayo kwimeko-nge-imeko ukuba bafuna ukumisa iintlawulo, kwaye umbolekisi unqumamisile ukuxelwa kwangaphambili.
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Kufuneka wenze ntoni ukuba awukwazi ukwenza intlawulo yakho yerenti
Ngeli xesha, abaqeshi bajongene nemeko enzima nangakumbi. Bazulazula ngeqela lemithetho eyahlukeneyo njengoko urhoxiso lokugxothwa luyahluka kwimida yelizwe nakwilizwe. Kwiimeko ezininzi, kuxhomekeke kubanini-mhlaba umntu ngamnye ukuba akulungele ukwenza amalungiselelo okuhlawula abo badendwayo okanye bancitshiswa iiyure zabo.
Izixeko ezininzi ezinjengeNew York, Seattle, kunye neSan Francisco zenze umthetho isithintelo sethutyana ngokukhutshwa. ELos Angeles, usodolophu ukhuphe i ukunqunyanyiswa okwethutyana kokukhutshwa , kunye nabaqeshi baneenyanga ezintandathu ukuya kuhlawula nayiphi na irente, nangona iBhunga lesiXeko linokonyusa ixesha lokuhlawula.
Kwakhona, kunokwenzeka ukuba abanye abaqeshisi banokwenza isicwangciso kunye nabanini-mhlaba babo ukuze babanjwe kwirente, njengokutsiba intlawulo yenyanga kunye nokusasaza ibhalansi ngaphezulu kweentlawulo ezintandathu ezizayo. Okwangoku, ukulungiswa kwentlawulo kunokubangela uxinzelelo lwezezimali emgceni kwabo bahlala kwindawo abaphulukene nemisebenzi yabo kwaye besokola ukufumana umsebenzi wethutyana kuqoqosho lwegig olugqithisileyo.
Kusenokwenzeka ukuba ayingabo bonke abaninimzi abaya kukulungela ukushenxisa kwiintlawulo, ngakumbi kuba bafuna ukuhlawula amatyala abo, anokubandakanya ukubambiswa kwempahla kwipropathi oyiqeshisayo.
Olunye uxinzelelo kwilizwe liphela lwakha indawo engumkhenkce phakathi kobhubhane, kuba nokuba ukukhutshwa kugqityiwe, ukuhlawulwa kwemali eninzi kwiinyanga ezimbalwa kuya kubeka uxinzelelo lwemali kubantu abaninzi abebengasebenzi.
ENew York, uSenin Michael Gianaris, ngu ucebisa ukumiswa kwerente kweentsuku ezingama-90 Kulabo imisebenzi yabo ichaphazelekayo yi-COVID-19. ELos Angeles, a uxwebhu lwezikhalazo Ukucela urhoxiso ekuqokeleleni irente okanye ukuhlawulwa kwemali mboleko kulunge ngaphezulu kwe-143,000 yemisayino. Kwaye eChicago, amaqela angama-25 asekuhlaleni sayina ileta ukucela ubambiso kunye nokuqeshisa ngumkhenkce.
Ummeli Alexandria Ocasio-Cortez kule veki Ithunyelwe Ukugxothwa, ukuxelwa kwangaphambili, kunye nokumiswa kokumiswa kulungile kodwa akukho ndawo ikufutshane ngokwaneleyo. Abantu abafuni ukuba kwindawo apho umzuzu wokuphakanyiswa kwee-odolo kuyakubakho umatshi emnyango wabo. Baziva ngathi irente ifanelekile ngaphandle kokuba kubizwe urhoxiso lwentlawulo.
Ukunceda ukuxhasa abaqeshi abanokuthi bangasebenzi, iBhunga leSizwe lezeZindlu eziManyeneyo sikhuphe ingxelo ukukhuthaza imboni yezindlu ukuba ime ukugxothwa kangangeentsuku ezingama-90 kwabo banokubonisa ukuba banefuthe emalini ngubhubhane we-COVID-19. Isiteyitimenti sikwacela ukuba umzi mveliso weeflethi uphephe ukunyuswa kwerente kangangeentsuku ezingama-90, wenze izicwangciso zokuhlawula abahlali abangakwaziyo ukuhlawula irenti ngenxa yokuqhambuka, kwaye urhoxise umrhumo wokugqibela kwabo bachaphazelekayo.
Le ngxaki ivavanya thina sonke-yonke imveliso, yonke intsapho, umongameli webhunga, uDoug Bibby, esitatimendeni. Akukho mntu kufuneka aphulukane nophahla phezu kwentloko yakhe ngexesha lobhubhane.
ICongress isebenza ukudlulisa i-2 yezigidigidi zeedola kwiphakeji yokukhuthaza uqoqosho enokufumana $ 1,200 iitshekhi kubantu abaninzi baseMelika, kodwa akunakulindeleka ukuba imali ibe isesandleni phambi kwenyanga kaTshazimpuzi, okanye xa irente okanye intlawulo yempahla ibanjelwe imihla.
Irente yenyanga yenyanga eMelika iphantsi nje kwe- $ 1,600, ngokutsho Zillow. Inkqubo ye- Intlawulo yenyanga yenyanga yi- $ 1,100.
Ngelixa irente kunye nokubolekwa kwemali mboleko kungabonakalisa imeko efanelekileyo kwabaninzi, ukuba nesicwangciso sokubuyisela imali endaweni apho kungenzeki, okanye ungagutyungelwanga yiyo, kunokunciphisa uxinzelelo lwakho lwezezimali.
Ewe kunjalo, le yimeko engazange ibonwe ngaphambili kwaye unokuba ujongene neminyaka engaziwayo: Uya kuqala nini umsebenzi wakho? Ngaba ukulungele ukungaphangeli? Ngaba inkampani yakho iya kuhlala ishishini? Ngaba uya kufuna igumbi elongezelelekileyo kuhlahlo-lwabiwo mali lweendleko zonyango?
Xa ubeka kuwo onke la manqaku okungaqiniseki anokuchaphazela ukuba luhlahlo-lwabiwo mali lunjani kwiinyanga ezintathu, okanye iinyanga ezintandathu, okanye nokuba usezantsi emgceni, kunokuba nzima ukubakho nesicwangciso sokuhlawula. Nangona kunjalo, ukwenza isicwangciso esinje-nokuba kukunyamezela okusasaza iintlawulo zobugwenxa ngaphezulu kweenyanga okanye isicwangciso sokuhlawula osenza ngokukodwa nomnini-mhlaba-kungasusa uxinzelelo oluza nokuba netyala elikhulu lokubuyisela imali yakho yobambiso okanye iinyanga Ixabiso lokurenta
Inombolo yeengelosi ezili-111 ezinentsingiselo
