US ram um innngei ( mortgage, innman leiba a ngeimi ) hna. Tu lio Covid-19 ruangah Federal nih forbearance ( thla thum innman ngaihthiam ) timi zangfahnak biakhia cia a si. Innman pek lo zongah credit ah ( innman pek lo ruangah 30 days late, 60 days late, 90 days late ti bantuk cu ) credit report ah kan in kuat hna lai lo, late fee zong kan in charge lai lo an ti. A hman ko.

Mahbelte, 1. kan theih palh sualmi cu Innman thla thum 3 pek lo hnu ah a thla linak in cun hlanlio bantuk tein thlakhat thlakhat in pek than a si lai tiah a ruat mi tampi kan um. A dik lo. Thlathum inn man nan pek lo hnuah a thlalinak ah a thlathum ning tein + a thlalinak = total thla li man pek a hau than lai. A ruang cu 30 years fixed in FIXED terms in a um ciami a si caah forbearance tuah ruangah 30 years kha 30 years plus 3 months tiah thlen khawh a si lo.

2. A thlalinak ah thlakhat thlakhat man lawng pek than nan duh ahcun LOAN MODIFICATION ti mi , phaisa cuainak remhthannak tuah than a hau lai. Loan modification cu inn cawk lio bantuk in phaisa cuainak a hramthawk in tuah than khi a si.

3. A thlalinak ah thlakhat thlakhat man lawng pek than nan duh ahcun REFINANCE zong tuah khawh a si. FORBEARANCE nih refinance tuah ding a dawn khan lo. Mahbelte cu zong cu nan thimmi (lender) bank lei nawl a si ve.

4. A BIAPI CEM MI: FORBEARANCE nan tuah lio ah ( nan inn zuar in ) INN DANG NAN CAWK DING CU A DAWN KHO. CREDIT REPORT AH FORBEARANCE a tuah lio tiah a lang lai i FORBEARANCE tuah lio ah a dang mortgage (phaisa cuai) lak khawh a si lai lo. Forbearance dih hnu zongah phaisa na rak cuainak bank nih credit report ah zeitin dah report an tuah te lai ti mi nih a ngeih ve. A tha cemmi cu harsat ton lio cu a si ko nain, a thla thla tein pek peng khawh cu a tha cem. Siaherhnak he. Van Thawng Ling