What to do if you can't pay rent or mortgage
Many people may need short-term help with their rent or mortgage. Get insights on how to navigate this situation.
住房是大多数美国人每月最大的支出 费用, accounting for about 32% of monthly costs. 意外失业或意外账单, 加上很少或根本没有储蓄, could leave many people unable to pay their rent or mortgage. If you or someone you love is faced with this difficult situation, 你可以采取一些步骤来获得帮助.
请别人帮忙付房租
Call your landlord before you miss a payment to explain your situation and discuss options. 对于租房者, 房东可以免除滞纳金, negotiate payment plans or even forgive payments to help you 避免被驱逐.
请求抵押贷款帮助
The same goes for a mortgage loan: Always contact your bank or lender before you miss a payment. Lenders may be able to temporarily or permanently lower your payment through refinancing, or provide information about 政府ernment programs to help pay mortgages or forbearance. 一定要 检查房主的pp王者电子官网政策 to see that your home remains fully insured during any period like this.
减少开支
如果你没有 预算，创建一个. 仔细考虑一下，想办法削减开支, and ask credit card or loan issuers about hardship programs to reduce your payments. If you need help in this process, work with a 政府ernment-approved credit counseling service.
考虑政府项目
T在这里 are many 政府ernment programs to help pay mortgages or assist renters in distress. If your situation is related to a major disaster or 危机,具体 援助项目 可能可用. 或者，查看 Department of Housing and Urban Development's rental help resources to learn about grants or other assistance from area charities, religious institutions or 政府ernment agencies.
调查个人资源
If you're in a position to borrow from family (and you believe your situation to be temporary), 考虑短期家庭贷款."Make sure to have a detailed plan that both parties agree on to pay the money back. 如果你有 401k，提前提款 is an option, but considering you will likely incur a penalty, it should be taken as a last resort.
