Ingwati y'inzu, itangazo ryo kwigarurira, no kugabanya ibihombo¶

Gusubira inyuma ku ngurane y’inzu yawe canke kwakira Itangazo ry’Ukwishura (NOD), Ikete ry’Ikirenga, canke Itangazo ry’Ikibazo c’Ikibazo ni kimwe mu bibazo vy’amahera bitera umubabaro urugo rushobora guhura navyo. Benshi mu bafise inzu barahagarika umutima mu gahinda bagahagarika gufungura ubutumwa buva ku muntu abafasha mu bijanye n’ingwati kubera ko bemera ko iyo banki ivuze ijambo “ugufata inzu”, gutakaza inzu ataco bimaze kiretse bashobora guca barungika amadolari ibihumbi mirongo y’amahera batayishuye.

Mu vy’ukuri, abaguzi b’ingwati n’abayitanga bagenzurwa n’amategeko akomeye ya Leta Zunze Ubumwe za Amerika n’ay’igihugu agenga ivy’ugufata ivy’umuntu (nk’Itegeko rya RESPA X, 12 CFR 1024.41 muri Leta Zunze Ubumwe za Amerika, Itegeko ry’Imbere y’Igikorwa ku bijanye n’Ibirego vy’Ingwati mu Bwongereza, amategeko agenga ivy’Ingwati y’Ubwongerezade mu Bwongereza). Mu itegeko rya Leta Zunze Ubumwe za Amerika, umukozi w’ingwati ntashobora no gutanga inyandiko ya mbere yo gufata inguzanyo gushika inguzanyo yawe irenze imisi 120 y’ikirangamisi, kandi iyo ushizeho Igisabwa co kugabanya igihombo kirenze imisi 37 y’ikirangamisi imbere y’uko ugurisha kw’ingwati kwategekanijwe gushika, umukozi w’ingwati urubanza canke gukora icamunara ("dual tracking") gushika isuzumye ubusabe bwawe maze ikarangiza uburenganzira bwawe bwo kujurira. Iyi nkuru itanga intambwe ku yindi ikarita y'inzira yo guhagarika ubutungane bwo gufata ibintu, gutanga umugambi wo kugabanya igihombo udashobora guterwa n'amasasu, guhatira kwihanganira ingwati canke guhindura inguzanyo, kwiregura ku gufata ibintu mu buryo bw'ubutungane n'ubutari ubw'ubutungane, no kwirinda ubusuma bw'ibikorwa vy'ubugizi bwa nabi.

Ivyo ubikore ubu¶

1. Fungura ibahasha yose iva ku mukozi wawe w’ingwati canke umucungezi wawe ubwo nyene maze wandike amatariki atatu ahambaye: Andika (1) nyayo Itariki y’Ivyaha vya Mbere (igihe igice cawe ca kera c’ukwezi kitarishe cari gikwiye), (2) Igihe co Gukira gicapwe kuri Letter / Accetyle (3) yawe. Itariki y’ugurisha / gucapura ivy’ugufata ivy’umuntu canke Itariki y’Inyishu y’Ihamagara ry’Urukiko (mu bisanzwe imisi 20 gushika kuri 30 mu bihugu vy’ugufata ivy’umuntu n’ubutungane). Inkinzo yose itegekanijwe n’amategeko ya Leta Zunze Ubumwe za Amerika n’iya Leta Zunze Ubumwe za Amerika ivana n’imisi ingahe y’ikirangamisi isigaye imbere y’uko icamunara canke urukiko rutanga amahera.
2. Menya neza nimba intara yawe canke ububasha bwawe bukoresha Ugufata ivy’Ubutungane (biciye mu kirego c’urukiko) canke Ugufata Ivy’Ubutungane Bitajanye n’Ubutungane (Ububasha bwo Kugurisha biciye ku muntu yizigiye): Mu bihugu 22 vya Amerika Ubutungane bwo Gufata Ivy’Ubutungane (nk’i New York, Florida, Illinois, Pensyl civil, Ohiour, kandi utegerezwa gutanga Inyishu yanditse ku munyamabanga w’urukiko imbere y’igihe co guhamagara kugira ngo ntucike urubanza rwo guca urubanza. Mu bihugu bitagira ububasha bwo kugurisha** (nka California, Texas, Georgia, Washington, Virginia, na Arizona), uwugurisha akoresha igitabu c’ukwizigira kugira ngo ategekanye icamunara ry’abaguzi amaze kwandika Itangazo ry’Ugutanga n’Itangazo ry’Ugucuruza kw’Umuguzi atabanje kukuburanisha mu rubanza.
3. Hamagara igisata c'umukozi wawe w'ingwati y'inzu maze usabe "Ikete ry'ugusaba kugabanya ibihombo" (Ifomu y'imfashanyo y'uwuguzi): Mu 12 CFR 1024.40, umukozi wawe ategerezwa guha umukozi wawe ikibanza kimwe co guhamagara (SPOC)5. Basabe barungike ubutumwa kuri email no gutumako ubutumwa bwo gusaba gukuraho ibihombo kandi bamenye umushoramari canke uwugufasha nyawe ashigikira ingwati yawe (Fannie Mae, Freddie Mac, FHA / HUD, VA, USDA, canke ikigega c’abantu ku giti cabo), nk’uko abashoramari bashigikiwe na Leta bategeka ko habaho amazi yihariye yo guhindura.
4. Baza umujanama w’uburaro wa HUD ku buntu, yemejwe na leta uno musi: Muri Leta Zunze Ubumwe za Amerika, hamagara Umurongo w’ivyizigiro w’umunyarugo kuri 1-888-995-4673 canke ugende consumerfinance.gov/find-a-housing-counselor gukorana n’umujanama w’amazu atagira inyungu yemejwe na HUD ku zero cost. Umujanama wa HUD arashobora kwifatanya n’umukozi wawe w’ingwati, akagenzura ibiharuro vyawe vyo kugabanya ibihombo, kandi akagufasha gusaba infashanyo za leta Ikigega co gufasha abafise inzu (HAF).
5. Tanga "Ikirego co kugabanya igihombo gishitse mu maso" nibura imisi 37 y'ikirangamisi imbere y'itariki iyo ari yo yose yo kugurisha ivy'ugufata ivy'umuntu: Mu gihe c'itegeko rya Leta CFPB Gukurikirana kabiri (12 CFR 1024.41(f) na (g)), nimba umukozi wawe yaronse ikirego co kugabanya igihombo Umusi wa 120 w’ubugizi bwa nabi, canke n’imiburiburi imisi 37 y’ikirangamisi imbere y’ugucuruza ivy’ugufata ivy’umuntu), umukozi arabujijwe cane n’itegeko rya Leta gutangura gufata ivy’umuntu, gusaba urubanza rwo gufata ivy’umuntu canke itegeko ryo kugurisha, canke gukora icamunara ryose ry’ugufata ivy’umuntu ry’igihe cose kandi yafashe ingingo.
6. Ntukigere usinya Ikete ry'Ikibazo, Ikete ry'Igarantiya, canke amasezerano y'"ugucuruza-gukodesha" n'uwundi muntu uwo ari we wese asezerana "gukiza" inzu yawe: Abanyaruyeri bafata ivy'ubugizi bwa nabi barakurikirana Itangazo ry'Ivyaha vy'Ivyaha vy'Ivyagezwe vy'Ivyagezwe vy'Ivyagezwe vy'Ivyagezwe vy'Ivyagezwe vy'Ivyagezwe vy'Ivyagezwe vy'Ivyagezwe vy'Ivyagezwe vy'Ivyaha vy'Ivyagezwe vy'Ivyagezwe vy'Ivyagezwe vy'Ivyagezwe vy'Ivyagezwe vy'Ivyagezwe vy'Ivyagezwe vy'Ivyagezwe vy'Ivyagezwe vy'Ivyagezwe vy'Ivyagezwe vy'Ivyaha nyen’inzu afise uruhara ku ngwati. Nihagira umuntu aza ku butaka bwawe agerageza guhindura urufunguzo, guca amashanyarazi, canke gutera ubwoba ku mubiri ata sheriff n’inyandiko y’urukiko yashizweko umukono, genda ahantu hatagira umutekano maze uhamagare inomero y’ivyihutirwa yo mu karere kawe (911 muri Leta Zunze Ubumwe za Amerika, Canada a the Kingdom9 canke the Union92) reba ivyacu inomero z'ivyihutirwa ububiko.

Igishushanyo c'ingingo: guhagarika gufata ivy'umuntu no kugabanya ibihombo¶

flowchart TD
    Start["Ivyishyurwa vy'ingwati vyabuze, Ikete ry'Ukurenga ku mategeko ryakiriwe, Itangazo ry'Ukwishurwa, canke Ihamagarwa ry'Urukiko"] --> StageCheck{"Inguzanyo yawe iri hehe ku gihe co gufata ivy’umuntu?"}
    StageCheck -->|"Imisi 1 gushika ku 120 Umunyavyaha (Idirisha ryarindwa imbere y’uko umuntu afatwa)"| Pre120["Ububisha bwo gufata ivy'umuntu mu misi 120 burakora (12 CFR 1024.41(f)(1))"]
    Pre120 --> ShortOrLong{"Ingorane Ufise zo mu vy’Amahera Mbega Ni iz’Akanya Gato (Amezi 3 Gushika kuri 12) Canke Ni iz’Imisi Yose?"}
    ShortOrLong -->|"Ingorane z’igihe gito (Gutakaza akazi, Indwara, Ivyago)"| Forbearance["Gusaba umugambi wo kwihanganira utegekanijwe ukurikiwe n'ugusubiramwo kwishura canke gusaba igice ku mpera y'ukwihangana"]
    ShortOrLong -->|"Kugabanya inyungu ihoraho canke amadeni menshi"| SubmitPackage["Wohereze ubusabe bwo kugabanya ubuhombo bwose kugira ngo uvyure ugukurikirana kabiri gukonja"]
    StageCheck -->|"Umusi uheze 120: Itangazo ry'Ukudatanga canke Ihamagarwa ry'Urukiko Ryashikirijwe"| ForeclosureType{"Ivy’Ubucamanza (Ikirego c’Urukiko) canke Ivy’Ubutungane (Ugurisha kw’Umucungezi)?"}
    ForeclosureType -->|"Ihamagarwa ry'Ubutungane"| FileAnswer["Dosiye Inyishu y'Urukiko Yanditswe + Gusaba Inama y'Urukiko rwo Gufata Ivy'Urukiko rw'Itegeko Mu Misi 20 gushika kuri 30"]
    FileAnswer --> SubmitPackage
    ForeclosureType -->|"Itangazo ritari ry'ubutungane ry'ugutanga / ugurisha kw'umucungezi"| Check37Days{"Hari Imisi Irenga 37 Isigaye Imbere y’Itariki y’Icamunara?"}
    Check37Days -->|"Ego, imisi 38+ imbere yo kugurisha"| SubmitPackage
    SubmitPackage --> Eval["Servicer ategerezwa guhagarika ugurisha (Ugukurikirana kabiri), gusuzuma mu misi 30, no gutanga uburenganzira bwo kujurira mu misi 14"]
    Check37Days -->|"Oya, Imisi 37 (canke Ugurisha Ni Iki Ciyumviro)"| EmergencyHalt["Guhagarika ugurisha vyihutirwa: Gukiza Amadeni biciye mu Gusubira mu kazi, Gushiramwo Ikirego ca TRO ku bijanye n’Ivyaha vya RESPA, canke Gushiramwo Igice ca 13 Guhomba Ukwihuta"]

Intambwe ya 1: Menya igihe co gufata ivy'ubutegetsi bwa Leta Zunze Ubumwe za Amerika n'ingabo yo "Dual-Tracking"¶

Muri Leta Zunze Ubumwe za Amerika, Ibiro vy’Ukurinda Amafaranga y’Abaguzi (CFPB) birashira mu ngiro amategeko y’igihugu agenga ivy’ugutanga ingwati hakurikijwe Itegeko ryerekeye uburyo bwo gutanga amafaranga y’amazu (RESPA, Itegeko X, 12 CFR Igice ca 1024). Igihe cose iyo nzu ari aho uba cane (kandi servicer yawe atari umuguzi mutoyi atanga inguzanyo 5.000 canke nkeyi), banki itegerezwa kwumvira urutonde rw’ibihe rudahinduka imbere y’uko ishobora gutwara inzu yawe:

Igihe c'Itegeko rya RESPA X¶

Intambwe ya 2: Ugufata ivy’umuntu mu buryo bw’ubutungane n’ubutari ubw’ubutungane (N’ingene wokingira uburinganire bwawe)¶

Uko ugufata ibintu bigenda, n'uko umucamanza yosubiramwo ubwo nyene inyifato ya banki, bivana n'uko ububasha bwawe bukoresha Ingwati (ishirwa mu ngiro biciye mu nkiko) canke Ikete ry'Ikizigirwa rifise ingingo ya "Ububasha bwo Kugurisha" (ishirwa mu ngiro hanze y'inkiko).

Igereranyo: Ugufata ibintu mu buryo bw’ubutungane n’ubutungane butagira ubutungane¶

Intambwe ya 3: Gutahura "Ikinogo co kugabanya ugutakaza" (Ukwihangana, Gusubiramwo, no Guhindura)¶

Iyo ushizeho Ikirego co Kugabanya Ihombo, umukozi wawe w’ingwati akurikiza imibare ikomeye "Ikinogo co kugabanya Ihombo" itegekwa n’ishirahamwe canke umushoramari afise canke atanga ingwati yawe (Fannie Mae, Freddie Mac, FHA / HUD, VA, canke USDA). Raba nimba Fannie Mae canke Freddie Mac ari bo bafise inguzanyo yawe ukoresheje KnowYourOptions.com/loanlookup canke MyHome.FreddieMac.com.

Ivyiyumviro 5 vyo kugabanya ugutakaza inzu (Kuzigama inzu yawe)¶

1. Itegeko ryo kwihanganira ingwati (amezi 3 gushika kuri 12):
   • Ivyiza kuri: Ivyiza vy’amahera vy’igihe gito, vy’igihe gito (gutakaza akazi, ubumuga bw’igihe gito bw’ubuvuzi, ivyago vy’ivyaduka, canke ikiruhuko c’umuryango).
   • Uko bikora: Bihagarika canke bikagabanya amahera y’ingwati yawe y’ukwezi mu mezi 3 gushika ku 6 (bishobora kwongerwa gushika ku mezi 12) mu gihe bihagarika gufata ivy’umuntu.
   • Itegeko ry’ingenzi ku mpera y’Ukwihangana: NTUZOKWIGEZE usabwa kwishura amahera yose y’ukwihangana wabuze mu giciro kimwe ku mpera y’igihe c’ukwihangana ku ngurane iyo ari yo yose ya Fannie Mae, Freddie Mac, FHA, VA, canke USDA. Igihe cose usabe Gusubiramwo ukwishyura canke Ikirego c’Igice ca FHA igihe usohotse mu kwihangana.
2. Gusubiramwo kwishura canke FHA "Ikirego c'igice" (Nta mpinduka ku kwishura kwawe kw'ukwezi):
   • Ivyiza ku: Abafise inzu bashikiwe n’ingorane z’igihe gito, basubiye kuronka amahera yabo asanzwe, kandi bashobora gusubira kwishura amahera yabo asanzwe y’ingwati y’inzu, ariko ntibashobora kwishura amahera y’inyuma yose rimwe.
   • Uko bikora: Mu gihe c’Itegeko ry’Ukwishura rya Fannie Mae / Freddie Mac** canke Ikirego c’Igice ca FHA, umukozi yimurira 100 kw’ijana vy’amahera yawe yaheze (gushika ku mezi 6 gushika ku mezi 12 y’amahera utarishe, canke gushika ku 30 kw’ijana vy’amahera y’ishingiro kuri A%inter-0) subordinate balance** ishobora gutangwa gusa igihe ugurisha, usubiye gutanga amahera, canke wishura ingwati igihe igeze.
3. Itegeko ryo kwishura (amezi 3 gushika kuri 12):
   • Ivyiza kuri: Abaguzi bafise amahera menshi baciye babura amahera 1 canke 2 kandi bashobora kwongerako agace k’amahera bari basigaje hejuru y’amahera bariha buri kwezi.
4. Ihindura ry’inguzanyo (Ihindura rya Fannie/Freddie Flex, Ihindura ry’Imyaka 40 rya FHA, canke Ihindura rya VA):
   • Ivyiza kuri: Abafise inzu bafise ugugabanya amafaranga yinjiza ubudasiba canke amafaranga menshi basigaye bakeneye amahera makeyi ku kwezi (kenshi bashimikiye ku ugugabanya amahera y’amahera 20 kw’ijana).
   • Uko bikora: Ishiramwo amafaranga y’inyuma mu gice c’imbere, irongereza igihe co kwishura gushika ku myaka 40 (amezi 480) (yemerewe hakurikijwe 24 CFR 203.616 kuri FHA na Fannie/Freddie), kandi igabanya inyungu canke igashira ku ruhande ukwihangana kw’amahera y’imbere. Uhejeje kurangiza Itegeko ry’Igihe c’Igerageza ry’amezi 3 (TPP) ku gihe, iyo mpinduka iba iyo guhoraho kandi igakuraho ugufata ivy’umuntu.
5. Ikigega ca Leta co gufasha abafise inzu (HAF) canke infashanyo z’ingwati z’ivyihutirwa zo mu karere:
   • Suzuma n’umujanama wawe wa HUD nimba ikigo cawe co mu vy’amahera y’amazu gitanga infashanyo zikora Ikigega co gufasha abafise amazu (kenshi zishika ku madolari 25.000 gushika ku madolari 50.000) kugira ngo wishyure amahera y’inyuma ataco uhinduye ku muntu agufasha.

Intambwe ya 4: Uko wokoranya "Ivyuzuye mu maso" Igikoresho co Kugabanya Gutakaza¶

Ivyiyumviro birenga 60 kw'ijana vy'ukwanga guhindura inguzanyo bishika kubera ko umukozi ashira ikimenyetso ku mpapuro "Ntizishitse" hejuru y'urupapuro rw'inyandiko ya banki canke urupapuro rw'ikori rudashizweko umukono. Koresha uru rutonde (capa ku rugero rwa 21,6 ku 27,9 sentimetero, canke 8,5 ku 11 inch, amabara abitswe n’imiburiburi metero 1,5, canke amafuti 5, hejuru y’urugero rw’igorofa):

• Urupapuro rwo gufasha abaguzi rwuzuye (Urupapuro 710 canke uruhushanye n’urwa servicer): Uzuza akazu kose (wandike "0.00" canke "N/A" aho gusiga ubusa), reba "Ndashaka: Kugumana umutungo," hanyuma ushireko umukono n'itariki mu misi 30.
• Urupapuro rwa IRS rwashizweko umukono 4506-C (Isaba rya IVES ry’Inyandiko y’Inyandiko y’Ikori): Raba neza ko umurongo wa 3 uhuye n’aderesi nyayo y’ibarabara icapwe ku rupapuro rwawe rwa 1040 uherutse gutanga.
• Uzuza amakete y’imisoro ya Leta (Imyaka 1 gushika ku myaka 2 iheze) n’Ingingo zose: Shiramwo urupapuro rwose n’urutonde rwose hamwe n’amafishi W-2 na 1099.
• Imisi 60 y’Imishahara Ikurikiranye Iheruka: Itegerezwa kwerekana amahera umuntu aronka kuva ku mwaka gushika ku musi. Abaguzi bikorera bategerezwa gushirako Inyandiko y’inyungu n’ibihombo (P&L) y’umwaka gushika ku wundi yashizweko umukono, ivuga n’imiburiburi igice ca kane c’umwaka wuzuye.
• Imisi 60 (Amezi 2 yuzuye) y'Inyandiko z'Ibanki Yuzuye ku Makonti Yose: Shiramwo urupapuro rwose rufise inomero (nk'akarorero, Urupapuro rwa 1 kuri 6 gushika kuri Urupapuro rwa 6 kuri 6, naho Urupapuro rwa 6 rwoba ruri ubusa), canke porogarama y'ivy'ubuhinga bwikora izoshira ikimenyetso ku mpapuro **"Incomplete
• Ikete ry’Ingorane Yibanze (Urupapuro 1) na Ikimenyamenya c’Ivyinjira Bitari Umushahara: Sigura itariki nyayo n’impamvu y’ingorane zawe kandi ushireko amakete y’ibihembo vy’Ubwishingizi bw’Igihugu, SSDI, ubumuga bwa VA, amafaranga y’uburuhukiro, canke amafaranga y’infashanyo.

Intambwe ya 5: Amahitamwo yo gusohoka mu buryo bwiza nimba udashobora kugura inzu (Kuzigama uburinganire bwawe n’inguzanyo yawe)¶

Nimba amafaranga winjiza yagabanutse cane ku buryo udashobora no kwishura amahera y’ingwati yahinduwe, ntiwigere ugenda ngo ureke iyo nzu igende mu gicamunsi co kuyifata:

1. Ugurisha Uburinganire Busanzwe (Nimba Inzu Yawe Ifise Agaciro Karuta Ivyo Ufise):
   • Niba agaciro k’isoko k’inzu yawe karenze amafaranga y’ingwati yawe hamwe n’amahera usigaranye, shire urutonde rw’inzu uzogurisha ku isoko ry’abantu bose n’umucuruzi w’amazu afise uruhusha ubwo nyene hanyuma wohereze Amasezerano y’Igurisha yasinywe (n’Amasezerano yose y’Igurisha) ku mukozi w’inzu kugira ngo asabe Gusubiramwo. Gugurisha biriha ingwati yose, bikahagarika gufata ivy’umuntu, kandi bikashira 100 kw’ijana vy’amahera yawe asigaye kuri konti yawe ya banki.
2. Yemejwe "Igurisha ry'Igihe Gito" (Niba Ufise Ideni Rirenze Iry'Inzu Ifise Agaciro):
   • Nimba inzu yawe iri munsi y’amazi, nusabe Igurisha ry’igihe gito ryemejwe, aho uwuguha inguzanyo yemera amafaranga y’ugurisha kw’isoko nk’ukwishura mu buryo bushitse, akarekura ivy’ugufata, akarekura urubanza rwose rwo kubura mu nyandiko, kandi kenshi akariha 3.000 gushika ku 7.500 USD mu mfashanyo yo kwimuka.
3. Ikete ry'Ikibanza co Gufata ("Amahera y'Imfunguruzo"):
   • Iyo ata n’imwe ishobora gufata ivy’ubutaka, urashobora gusubiza iyo nyandiko ku bushake ku ngurane mu guhindura ugurekura burundu uburenganzira bw’ingwati y’umuntu ku giti ciwe na 3.000 gushika ku 7.500 USD mu mahera yo kwimukira mu yindi ntara.

Intambwe ya 6: Ibikoresho vyihutirwa vy’umunota wa nyuma igihe icamunara ry’ugufata ibintu ry’umuntu ritarashika imisi 37¶

Nimba inzu yawe itegekanijwe kugurishwa mu misi mikeyi kandi ukaba warabuze imisi 37 y’Itegeko X, koresha kimwe muri ibi bikoresho bitatu vy’amategeko vyihutirwa:

1. Koresha "Uburenganzira bwawe bwo gusubira mu kazi" (Ukize amadeni yawe imbere y'uko ugurisha):
   • Amasezerano y’ingwati asanzwe (Igice ca 19) n’amategeko ya Leta aguha uburenganzira bwo guhagarika icamunara mu kwishura Igiciro co Gusubira mu Gikorwa (amahera gusa y’ukwezi yaheze hamwe n’amahera y’ugucererwa n’amahera yo gufata, atari umukuru w’ingwati yose canke umukuru w’ingwati) biciye ku nzira y’amahera y’ingwati. Saba Iciyumviro co Gusubira mu kazi canditswe ubwo nyene.
2. Gutanga ikirego c’ubutungane c’itegeko ryo guhagarika igikorwa c’igihe gito (TRO) rishingiye ku guhonyanga amategeko y’igikorwa:
   • Iyo umukozi akora ibikorwa bitemewe n’amategeko gukurikirana kabiri (gutera imbere mu gucapura inyuma y’aho ushizeho umugambi wuzuye wo kugabanya igihombo imisi irenga 37 imbere y’uko ugurisha) canke ananiwe kohereza amatangazo asabwa n’amategeko, umuvugizi w’uwuburanira umuntu ashobora gutanga ikirego c’abanyagihugu no gusaba ko **Canke) icamunara.
3. Shira Ikirego co Gusenyuka c'Igice ca 13 Imbere y'uko Icamunara Gavel Igwa (Igihe c'Igihugu):
   • Mu nsi ya 11 U.S.C. 362(a), igihe nyaco utanga Igice ca 13 (canke Igice ca 7) ikirego co gusenyuka ku munyamabanga w’urukiko rwa Leta Zunze Ubumwe za Amerika, mbere iminota 15 imbere y’uko icamunara ryategekanijwe ritangura, itegeko rya Leta Zunze Ubumwe za Amerika Uguhagarara kw’Igihugu ritangura gukora kandi rigaca ritanga icamunara (kiretse iyo bigarukiwe n’ugukurwa mu kazi kenshi imbere y’aho mu mezi 12 hakurikijwe ingingo ya 11 U.S.C. 362©(3)/(4)).
   • Mu nsi ya 11 U.S.C. 1322(b)(5), Igice ca 13 c’ugusenyuka kiguha uburenganzira bwo guhatira banki y’ingwati mu mugambi wo kwishura w’amezi 36 gushika kuri 60 (imyaka 3 gushika kuri 5) ugenzurwa n’urukiko ku mafaranga yawe y’ingwati e mu gihe usubira kwishura buri kwezi, equi yourhome perman.

Impanuro mpuzamakungu: Ubwongereza, Kanada na Ostraliya¶

• Mu Bwongereza (Itegeko ry’Ingwati rya FCA, Amasezerano y’Imbere y’Ibikorwa, n’Igice ca 36 c’Amategeko ya Norgan): Hakurikijwe amategeko y’Ikigo kijejwe inyifato runtu mu vy’Imari (FCA) (MCOB 13) be n’Itegeko ry’Ingwati ry’Ubwongereza nk’uguhindura ingwati nk’uguhindura ingwati nk’igihe ca nyuma ( ugutanga inyungu gusa mu mezi 6 canke kwongera igihe c’ingwati) no kwubahiriza amategeko ya Minisiteri y’Ubutungane Itegeko ry’Imbere y’Igikorwa ku Birego vy’Itunga Bishingiye ku Nzira z’Ingwati n’amategeko ya Igihe co Guhumeka c’Imisi 60. Iyo ujanywe mu Rukiko rw’Intara, genda mu rubanza maze usabe Umucamanza w’Akarere Itegeko ryo Guhagarika Ugutunga (SPO) hakurikijwe Igice ca 36 c’Itegeko ryerekeye Ubutungane ryo mu 1970 (Cheltenham & Gloucester v Norgan ars), ivyo bikaba bigufasha kuguma mu nzu yawe ku kwezi kwose mu kwishura umusanzu wawe mutoyi igihe cose c’ingwati gisigaye. Suzuma kandi ko ushobora guhabwa inguzanyo Infashanyo y’inyungu z’ingwati (SMI).
• Muri Canada (Ububasha bwo kugurisha n’ugufata inzu n’ubutungane n’imfashanyo ya CMHC): Mu ntara za Ububasha bwo kugurisha (Ontario, NB, PEI, NL), iyo umuntu amaze guhabwa Itangazo ryo kugurisha mu gihe c’ingwati inyuma y’imisi 15 y’uburenganzira bwo kugurisha, bene inzu bo muri Ontario barafise itegeko ryo gusubiramwo klzzwxh:0087. Mu ntarza Ugufata ivy’utungane (BC, AB, SK, MB, NS), senta itanga Itegeko Nisi** rifiseIgihe co Gucungura c’amezi 6*. Nimba ingwati yawe ifise ubwishingizi, hamagara uwuguha inguzanyo na CMHC (1-800-668-2642) kugira ngo usabe ko amafaranga y’inyuma ashobora guhindurwa, gusubirwamwo ukwishura, canke gusubiramwo amafaranga y’inyuma gushika imyaka 40.
• Muri Australiya (Itegeko ry'Igihugu ry'Inguzanyo Igice ca 72 Amatangazo y'Ingorane n'Igihugu co Guguma muri AFCA): Urungikire ubutumwa kuri email Ishirahamwe ry'Ingorane z'Imari rya banki yawe uvuga uti: "Ndatanga Itangazo ry'Ingorane ritegekanijwe hakurikijwe Igice ca 72 c'Itegeko ry'Igihugu ry'Inguzanyo." Banki ifise imisi 21 yo kwishura. Iyo banki itanga Itangazo ry’Igice ca 88 ry’Ikibazo (imisi 30 yo gukira) maze ikanka ubusabe bwawe bw’ingorane, shira ikirego ku buntu Ikigo c’Ibirego vy’Ivy’Imari co muri Ostraliya (AFCA) kuri afca.org.au imbere y’uko itangazo ry’imisi 30 rihera, ivyo bikaba bihagarika mu buryo butegekanijwe n’amategeko ugusubira gufata ivy’urukiko mu gihe AFCA iriko irakora itohoza.

Ibibazo bikunda kubazwa¶

Amasoko yasuzumwe¶

• Ibiro vy’Ukurinda Amafaranga y’Abaguzi (CFPB, Leta Zunze Ubumwe za Amerika): Itegeko ryerekeye uburyo bwo gutorera umuti ibibazo vy’amazu (RESPA, Itegeko X, 12 CFR Igice ca 1024: Igice ca 1024.39 Gufasha imbere y’igihe, Igice ca 1024.40 Gukomeza guhanahana amakuru, Igice ca 1042. Imisi 120 y’Ukubuza Imbere y’Ugufata Itunga, Imisi 37 y’Ukubuza Gukurikirana Incuro Zibiri, n’Uburenganzira bwo Kujurira bw’Imisi 14, n’Igice ca 1024.30 Abakurikira mu Nyungu).
• Igisata ca Leta Zunze Ubumwe za Amerika kijejwe amazu n’iterambere ry’ibisagara (HUD), Fannie Mae, na Freddie Mac (Leta Zunze Ubumwe za Amerika): Igitabo c’amategeko agenga amazu y’umuryango umwe ca FHA 4000.1 (Ikinogo co kugabanya igihombo, Ikirego c’igice c’umuntu yigenga, n’Impinduka y’Inguzanyo y’Imyaka 40 y’Igihugu gishingiye ku ngingo ya 24 CFR662). (Gusubiramwo ukwishyura no guhindura Flex), na Garn-St. Itegeko rya Germain (12 U.S. 1701j-3).
• Komisiyo y’ubudandaji ya Leta Zunze Ubumwe za Amerika (FTC, Leta Zunze Ubumwe za Amerika): Itegeko ry’Ibikorwa vy’Ifashanyo y’Ingwati (MARS) (Itegeko O, 12 CFR Igice ca 1015) n’Imburi z’Abaguzi ku bijanye n’Ugutabara Ivy’Ingwati n’Ubusuma bw’Impapuro z’Ingwati.
• Urukiko Rukuru rwa Leta Zunze Ubumwe za Amerika & Itegeko ry’Igihombo ry’Igihugu ca Leta Zunze Ubumwe za Amerika (Leta Zunze Ubumwe za Amerika): Tyler v. 362 / 1322(b)(5) (Igihombo c’Ikigobe n’Igice ca 13 c’Ikibazo c’Ingwati).
• Ikigo kijejwe inyifato runtu mu vy’amahera (FCA) & Minisiteri y’ubutungane (Ubwongereza): *MCOB 13 (Ibihembo n’Ivyiyumviro vy’Ubwongereza), Itegeko ry’Ingwati ry’Ubwongereza, Itegeko ry’Imbere y’Ibikorwa ry’Ibirego vy’Ingwati Bishingiye ku Bihembo vy’Ingwati, n’Itegeko ry’Ubutungane ry’Ivy’Ingwati Orsessed 19S60us.
• Ikigo c’abaguzi b’ivy’amahera co muri Canada & Ishirahamwe ry’ingwati n’amazu ryo muri Canada (Canada): Itegeko ry’intara ryerekeye ingwati z’amazu Amategeko yo gucungura ububasha bwo kugurisha n’Itegeko ry’ugufata ivy’ubutungane ry’ubutungane Nisi Procedure, n’Ibikoresho vyo gucunga ivy’uwufise inzu vya CMHC.
• Komisiyo y’Igihugu y’Ivy’Imigabane n’Ishoramari (ASIC) & Ikigo c’Igihugu c’Ibirego vy’Imari (AFCA, Australiya): Itegeko ry’Igihugu ry’Inguzanyo Igice ca 72 (Amatangazo y’Ingorane), Igice ca 88 (Amatangazo y’Ibirego vy’Igihugu), n’Igihe co Gushitsa Ibirego vya AFCA.

Inyobora zifitaniye isano¶

• Ivyihutirwa vy'ugusenyuka kw'ubutunzi n'uguhagarara kwihuta
• Itangazo ryo kwirukanwa n'uwukodesha
• Amatangazo y'igenzura ry'imisoro, imisoro y'inyuma, n'ukwigwanira kw'imishahara
• Itangazo ryo gufunga amazi n'imfashanyo y'inguvu vyihutirwa
• Ingorane z’amahera zitunguranye