Matanho uye mishonga yepamutemo yekutengeswa kwebhizimisi
Kuvhiringidzika kwekusabhadhara kwerenda kunofanira kuva sarudzo yebhizimisi
Vose vatenzi vemabhizimisi vanogona kunge vari pasi pematambudziko ekudhura-mari kubva panguva-kusvika-nguva, asi kana murimi wako asingakwanisi kubhadhara renhi, kana kuti asingadi kushanda newe kuti uite mari yekubhadhara ikozvino, haugoni kungoshandura kuvhara pamasuwo avo uye kubata bhizimisi ravo rebhizimisi - iwe unofanirwa kuenda kune dzimwe nhanho kuti uvabvise zviri pamutemo.
Usati wafunga kusunungura muridzi wako, funga nezvebhizimisi zvinhu. Inguva yakadini ichakutora iwe kuti ushandise imba zvakare? Uchafanira kuisa mari yakawanda yekugadzirisa here? Ko muridzi wekusangana nematambudziko emangwana kana kuti asingadi kuwana nekugara iye zvino pakubhadhare? Uchafanira kuenda kudare here?
Kana ukangosarudza chisarudzo chakanaka ndechokudzinga muridzi, pakarepo iwe unotanga danho iri nani. Zuva roga roga haugoni kubvarura nzvimbo yacho rimwe zuva iwe uri kurasikirwa nemari pane imwe nzvimbo uye humwe husiku hwekutadza kurara kunetseka pamusoro pezvinhu.
Iwe zvichida unoda gweta
Kuti udzidzise mutengesi webhizimisi nokuti usabhadhara renhi, iwe unofanirwa kuziva mutemo kana kubhadhara gweta kuti ikubatsire kuisa urongwa hwekudzingwa. Maitiro aunoita angangobatanidzwawo kana kuti kwete iyo bhizinesi isangano, kubatana, kana kuti kubhadhara kwaive kwakatsigirwa nemuridzi webhizimisi.
Gweta iwe unobhadhara inofanira kushingaira kuita mutemo webhizimisi uye zvichida inofanira kunyanya kugadzirwa kwebhizimisi rebhizimisi. Mafomu, mitemo, uye maitiro ekudzinga chivakwa chekugara hazvina kufanana neaya ekudzinga mutengesi webhizimisi.
Vamwe varairi vanobhadhara mari yakavhara, vamwe vachiita maawa imwe chete, asi vazhinji vachakubhadharawo pamatare edzimhosva, kuisa mari, uye kunyange nguva yaunopedza pafoni pamwe chete negweta uye kugovera uye kudhindwa kwemabhuku.
Kuti udzivirire mari yakavanzika iva nechokwadi chekubvunza pamusoro pemari yose yaungabhadhara usati wagamuchira gweta.
Kunyangadza mutengesi anotengesa kunotora nguva uye kazhinji kunodhura. Iwe uchava nenguva yakareruka kuratidza kuti muridzi wemari ari mubhadharo (ane chikwereti iwe mari) kupfuura iwe unenge uchida chimwe chimwe kuputsa kwechibvumirano chebvumirano. Asi mumamiriro ezvinhu ose, paunenge uchidzinga chigaro, mutoro wehupupuriro uri pauri kuratidzira kuti une chikonzero chaicho chekudzidzira chimbadzi.
Mimwe yemikodzero yakakosha yevaridzi yakapiwa nemutemo kune vagari vepagari haigamuchirwi kune vashandi vemabhizimisi. Vashandi vemabhizimisi vanowanzoshungurudzwa kudzvinyirira vagari vomunharaunda kudarika vanogara, asi izvi hazvirevi semuiti weimba iwe unogona kukanganisa mitemo iri munyika yako.
Kana Mukuru Wako Akagadza Bankruptcy
Kunyange zvazvo sangano rezvemabhizimisi rekugadzirisa mari rakashanduka muna 2005 kuti rifarire muridzi weimba, mitemo yehurumende yega inogona kunge ichikonzera kuvhara mutengesi webhizimisi nokuda kwekusabhadharwa kwerenda.
Kana muridzi wekambani atoisa kudarika pamberi pomwene weimba achiedza kumudzinga nekuda kwekukundikana kubhadhara renti, anogara achizvimirira mukufarira mutapi achadzivirira muridzi wemba kubva kupa muiridzi chiyeuchidzo chekugumisa kana kubva pakatanga kubviswa.
Zvisinei, muridzi weimba angaramba achienderera mberi nekudzingwa kuburikidza nekukumbira dare re Federal bankruptcy kusimudzira kugara.
Muzviitiko zvakawanda, mutongi achasimudza iyo kugara nokuti chibvumirano chekubhadharo hachina maturo pane kukosha kweimba yeimba.
Kana mafaji aripo apera mushure mekudzingwa kwekutanga, mutemo wehurumende unobatana nemuridzi weimba. Zvisinei, shoma shoma rinobvumira mutapi wemazuva makumi matatu kubva pakurongwa kwekudzingwa kwekurapa chikwereti.
Kuvhiringidza muridzi wekambani akatoita kuti aparadzwe, kana ndiani anoisa firiji yekushungurudza mushure mekudzingwa kwatanga kutanga kunogona kuoma. Mimwe mitemo inobvumira vashandi vezvokutengeserana kuti vamise basa rekudzingwa apo dare rebhengi rinobatanidzwa, uye mumamiriro ezvinhu akadaro, inenge nguva dzose nguva dzose inobhadhara gweta.
Matanho Anobatanidzwa Mukuvhiringidza Kubhadhara Kwekubhadhara Kwekutengesa
Ipa Ziviso zveZvirokwazvo: Kunyange kana chikwata chako chisingadi kuti iwe uite kudaro, nguva dzose utumire muridzi wechiratidzo chisingazivikanwi (Notice of Eviction) chinoratidza kuti renti yakapfuura uye iwe uchaenderera mberi nekudzingwa kana renji isingabhadharwi zvakakwana mukati pane imwe nguva (iyi ingava nguva yakatarwa sezvinoratidzwa muchibvumirano chekubvumirana kana zuva rakarega raunosarudza kugadzirisa kupa nguva yakawanda kune muridzi wekubhadhara.)
Usabvuma Ruregerero Rudzikinuro: Maererano nemagweta emitemo eMinnesota, Jacob C. Hendricks naJon L. Farnsworth vakangwarira, "Varidzi vanogona kunge vasina kukangamwira kukanganwira kukanganisa uye vadzivirirwa kubvisa vashandi kana kubhadhara chikwereti chikwereti chakabvumirwa. anobvuma kiyi yevashandi vasati vambogadziriswa uye pasina chimwe chibvumirano chakanyorwa chingave chakatadzisa kubva pakuunganidza mari yerenje kubva kumumiriri. "
Tanga Dare Rokutonga: Kana zuva rawakapa muridzi wako kubhadhara zvakakwana rapfuura, gweta rako rinoshumira muridzidzi weziso rekudzingwa uye rakanamatira nedare kuti rongorore kunzwa kwekudzingwa.
Mutongi angatonga kuti muridzi wekodhi anofanira kusiya pfuma pakarepo, kana kuti angapa mazuva mashomanana. Mutongi angangotonga uye anopa muridzi wekusarudza kubhadhara chikwereti chebhadha munguva. Muchengeti wacho anogonawo kutarisirwa nezvemari yekutarisira kurasikirwa kwekambani kusvikira chivakwa ichikwererwa zvakare.
Muzviitiko zvose paunotarisana nekudzima imwe nzvimbo yakanaka yekusarirwa kwebhadharo, zviri kuchenjera kufunga kuti mukana wekugadziriswa ari kubhadharwa mubhadharo. Kana iwe uchifunga kuti muparidzi anogona kushanda navo. Kana iwe usina chokwadi, usingakwanisi kana unoda kutora dambudziko iri, tanga kubviswa kwekukurumidza pakarepo. Iwe uchange uchizviitira iwe unofadza, uye muridzi wekuti iwe nokukurumidza iwe unogona kukwereta imba kune mumwe munhu, iwe unowana mari, uye mubairo achave ane mhosva yekuti "kurasikirwa kwekambani yenguva yemberi."