How to suspend the payment of the mortgage, if left without work
In most cases a mortgage can be called "lifeline," the only pleasure is never cloudless. It so happens that when all the steps in obtaining a mortgage loan are passed, the circumstances change dramatically. Dismissal and to pay the debt on your mortgage is nothing.
A mortgage is a long-term loan, which is typically calculated over 10-20 years. For such a long period of time to happen can be anything you want. If you were fired from work, the first thing you need to apply directly to the Bank, a mortgage in which the apartment is located. Explain the current situation. You will need to write a statement requesting deferred payments.
Further, the Bank will consider the application. In most cases, the decision is in favor of the borrower, all payments are suspended for a period of 2-3 months. In other words, the Bank allows the borrower to find a new job in order to continue to resume payments. In this situation, banks rarely deny customers because they are easier to suspend payments for a while than to deal with the implementation of the object pledged as collateral.
The main thing to remember, before taking any action, be sure to ask the employee of Bank, whether they have a practice of "suspension of payments on a mortgage.
Nothing to pay – you can sell
There is no such option - apartment or house you can just sell. But here too there are nuances.
You must first contact the Bank for permission to sell. When permission is received from the Bank, be sure to discuss all the conditions of a future transaction, which will need to comply with.
Banks often do not oppose a transaction of this kind, since the voluntary sale of the property, the debt on the loan will be repaid in a lump sum (the main condition of the Bank).
Ways to pay off your mortgage
The sale of the property which is in pledge at Bank, money just sharing. The Bank receives the remaining amount under the credit agreement, and the borrower goes to the rank "of the former borrower.
If the Bank does not agree to the voluntary sale of the property, you can find someone who will agree to a deal for the sale so that now he will have to repay the loan, and the remaining amount can simply put on Deposit.
Advice 2: How to get a job if you were fired
After the dismissal of the three problems. First, the entry in the workbook, preventing the device on the good work. Second, it is unclear what to say at the interview about the previous place of work. Third, reduced self-esteem. The last reason is putting strong pressure on the state of the spirit and denies the faith in success.
Imagine that life begins with a clean slate, and no matter what happened on previous work. Raising self-esteem — the primary task, on which depends the success of the search.
Decide what to do with the labor book, if it appeared unwanted entry. There are two options: first, to honestly tell a prospective employer what happened, then the workbook has nothing to do. Second, in honor of the beginning of new life to break up an old book and say at the interview that there is no employment record, without going into details.
If the old work remained debt or a bad relationship, and bring everything in order.
Prepare a speech for the interview. Some companies will not explore past work and ask uncomfortable questions, and on their own initiative don't have to tell all the secrets of life. But can meet employers, carefully studying the last years of employment. Then it is better frankly to tell what happened and explain that it was in the past, but you can start a new life and never let. You can take on the work for honesty and ability to admit mistakes, because it is a rare quality. After this step you should have two versions of the story in the interview, in accordance with the employer's desire to delve into your life.
Find a suitable job. You had a good preparation and ready to get to workas other people. Looking for the best options and do not worry about that will take you or not.
Make the correct summary. The purpose of this document is to seek an invitation for an interview. Treat your summary as an important letter or business proposal, which is sent for consideration. So summary it is necessary to write individually to each organization and each position. Template options, most likely, will not bring good results, if you have nothing to stand out from other applicants. In correct written summary of what he wants to see the employer seeking the labor market. Before writing a resume make a call to the company, specify requirements for the job and write about it, then you will be invited. But don't write untruth — just place the accents.
There are companies that publish a vacancy announcement, but no one will take the job and not even invited to interview. They collect a database of professionals and can connect with people sometime in the future. So do not expect the impact of one-off efforts — continue the job hunt.