Yintoni iNkqubo yeHAMP?

Amagama Aphezulu Ebantwaneni

mboleko evunyiweyo

Ngaba unengxaki yokwenza intlawulo yakho yobambiso? Ukuba kunjalo, iNkqubo yokuGuqulwa kweKhaya eFikelelekayo (HAMP) kunokuba kufanelekile ukuba uyiqwalasele.





Isebenza njani i-HAMP

I-HAMP yinkqubo yomdibaniso ejolise ekwenzeni ubunini bezindlu zifikeleleke ngakumbi kubanini bamakhaya abakhoyo. Ukufezekisa le njongo, abathathi-nxaxheba bafumana enye yezi zinto zilandelayo:

  • Umyinge wenzala osezantsi
  • Ixesha elongeziweyo lemali mboleko
  • Ukuncitshiswa okanye ukunyamezelwa kwenqununu
Amanqaku afanelekileyo
  • Ungaluhlawula njani kwakhona ityala lokuBambisa ngempahla ngeNqaku elibi leKhredithi
  • Uncedo lwezeMali ukuyeka ukuTyhilwa
  • Ufuna Uncedo lwezeMali ukuHlawula iiNtlawulo zeMali mboleko eziNgasemva

Ngoku ka UNondyebo.gov , uninzi lwabanini makhaya abasebenzisa le nkqubo 'bagcina umyinge ongaphezulu kwe- $ 500 ngenyanga.'





Iikhrayitheriya zokuQinisekiswa kweHAMP

Kuya kufuneka ube nobambiso oluthe lwathathwa ngoJanuwari 1, 2009 okanye ngaphambili kunye nomnye waba babolekisi balandelayo oza kuthathelwa ingqalelo:

  • Ibhanki yaseMelika
  • Citi Mortgage
  • JP Morgan Chase
  • Wells Fargo usetyenziso lweWindows kwi- Ivenkile yeWindows

Ukuba ubambiso lwakho luyahlangabezana nale migaqo ingentla, kuyakufuneka ungqine ukuba unengxaki yokugcina intlawulo yemali mboleko yendlu ngenxa yeengxaki zemali. Ngapha koko, ibhalansi yepropathi engekahlawulwa kufuneka ingadluli kwi-729,750 yeedola okanye igwetywe.



Ucinga ukuba uyifanele le nkqubo, umbolekisi olawula uguqulo lwakho uya kukubeka kwinyanga ezintathu zetyala. Ngeli xesha lokuma kwexesha, kuyakufuneka ungqine ukuba unokwenza intlawulo kwangexesha kwisixa esitsha. Ukuba uphumelele, umbolekisi uya kwenza isivumelwano sokumiselwa ngokusesikweni nawe emva kwexesha lesilingo.

Ngaba kufuneka ufake isicelo seHAMP?

Ngaphambi kokungenisa isicelo, kukho izinto ezintle kunye nezibi zokuqwalaselwa.

Izibonelelo

Xa bethatha inxaxheba kwi-HAMP, abaninimzi banikwa ithuba lokubuyela kumkhondo kwaye bahlale kumakhaya abo. Izibonelelo eziphambili zibandakanya:



  • Abanini bamakhaya baya kuba neentlawulo ezisezantsi zenyanga ngenxa yokuncitshiswa kwemali eseleyo yenqanaba, inzala okanye ixesha elongeziweyo lemali mboleko.
  • Olu hlobo lokuguqulwa kwemali-mboleko aludingi mali inkulu. 'Imirhumo yexesha elinye inokusukela kwi-1,200 yeedola ukuya kwi-2,500 yeedola [ngelixa] Olunye uhlengahlengiso alubizi mali,' amanqaku Realtor.com .

Ukongeza, ungathatha inxaxheba INkqubo yeNdlela enokuThengiswa yokuThengiswa kweKhaya (HAFA) ukuba ufanelekile. Eyona nto ibaluleke kakhulu, unokukwazi ukunqanda ukubekelwa bucala, eyinkqubo ende neyoyikisayo.

Iingxaki

Ukuba ukulungele ukufumana ixesha elide lemali mboleko, oku kuyakukhokelela kwinzala engaphezulu ehlawulwe kubomi bemali mboleko. Kuya kufuneka ukhumbule ukuba ukwamkelwa kwe-HAMP yinkqubo enokuthatha iinyanga ezininzi, ngenxa yoko usenokujongana nokuxelwa kwangaphambili. Inyaniso, ACGNow.com icacisa oku 'njengeyona ngxaki inkulu abajongana nayo ababoleki xa kufikwa kumba wolungiso lwemali mboleko yendlu.'

Okubi nangakumbi, ukuba ezinye iinguqulelo ze-HAMP zikhokelela kwiintlawulo ezigqithisileyo ekufuneka zixolelwe ekupheleni kwexesha elithile lemali mboleko. Rhoqo ezi zivumelwano ziqala ngemibandela emikhulu, kodwa ke ube nentlawulo eyakhelwe-ngaphakathi kwiibhaluni ngenxa yemali enkulu- ngamanye amaxesha kwiinyanga ezi-6 okanye ezili-12 ubuya kuba nentlawulo ye- $ 10,000 yokwenza, ' Iqela le-Ark Law uyongeza.

Ungasifaka njani isicelo seHAMP

Unokufaka isicelo se-HAMP ngokungenisa uxwebhu lwengeniso oluceliweyo kunye namaxwebhu obambiso olusuka kolu luhlu lubanzi. Izinto ezifunekayo zibandakanya (kodwa azikhawulelwanga):

  • Isitetimenti sakho semali-mboleko okanye amaxwebhu ezindlu
  • Amaxwebhu engeniso, anje ngeentlawulo zokuhlawula abantu abafumana umvuzo okanye inzuzo yeshishini kunye nengxelo yelahleko yabantu abaziqeshileyo
  • Iingxelo zenye ingeniso efunyenweyo, ezinje ngokhuseleko kwezentlalo, intswela-ngqesho, ukukhubazeka, isondlo, inkxaso yomntwana, ipenshoni, njl.
  • Iikopi zembuyekezo zerhafu ezimbini zakutshanje
  • Ikopi yetyala elisebenzisa igama lakho nedilesi
  • Ileta echaza ubunzima bakho bezezimali

Kuya kufuneka ubandakanye ezi fom zilandelayo:

  • Isicelo seFomu yokuNcediswa kweMboleko-mboleko: Le fomu isetyenziselwa ukubonelela ngolwazi malunga nepropathi yakho kunye nemeko yezemali kwinkampani yakho yokubambisa.
  • Ifom yeRhafu 506T-EZ Olu xwebhu lunika inkampani ebambisa ngempahla imvume yokucela eyona mbhalo yakutshanje yerhafu yakho kwiNkonzo yeNgeniso yangaphakathi. Ukuba uxolelwe ekugcwaliseni iirhafu zombuso okanye umvuzo wakho awurhafiswa, gcwalisa Ifom yeRhafu 4506T endaweni yoko.

Ukuba awuqinisekanga ngendlela yokungenisa ulwazi kumbolekisi wakho, jonga kwi MHA.gov's ulawulo online isikhokelo esongezelelweyo.

Ngaphambi kokuba ufake isicelo

Qiniseka ukuba ufowunela i-888-995-HOPE ukujongana nayo nayiphi na imibuzo, inkxalabo okanye ukumisela ukuba ungafaneleka na kwezinye iinkqubo. Unokucela ukufumana uncedo olongezelelweyo kwi I-arhente yengcebiso yezindlu evunyiweyo . Nokuba awufanelanga, ummeli unokukwazi ukubonelela ngezixhobo ezongezelelekileyo, ezinjengokuphinda unike imali iinketho, ezinokukunceda ukunciphisa umthwalo wemali obangelwe ziintlawulo zakho zempahla obambise ngayo.

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