It is frustrating and challenging if you cannot work and trying to find out how you can afford your home can make you even more stressed. If you are struggling to rent in the coming months because of the new corona virus (COVID-19), your landlord may be able to work with you so it is not that much. While all landlords will handle how they handle tents during the outbreak in different ways, you will hopefully be able to find and agree on a payment plan that works for you.
[ Edit ] Step
[ Edit ] Negotiate your rental
- Email your landlord as soon as possible if you have economic problems. Realizing that you may not be able to make a rental payment can be extremely stressful, but do your best to keep you calm. Try your best not to reach the landlord when your rent is paid because they may not be able to offer you so many options. Instead, talk to them immediately so you can inform them of your current financial situation and how coronavirus has affected you. 
- You can also send texts or a physical letter to the landlord if you do not want to use email.
- Provide paper showing loss of income due to coronavirus. You can either use a letter from your employer about their coronavirus policy or your past paychecks as evidence of financial difficulties. If you are part of an industry that was forced to close, such as retail or entertainment, it may be enough to show your employment certificate. Attach copies of the documents to your email so that the landlord can review them and acknowledge that you have really been hit. 
- Avoid trying to negotiate your rent if you have not been affected by the coronavirus and still can afford to pay it in full.
- Offer to make a partial rental payment if you can. Even if you cannot make your full rental payment, let the landlord know how much you could conveniently pay. That way, your landlord sees that you are still trying to work with them and they may be more willing to negotiate or waive your payment. Just make sure you leave enough money to yourself so that you can still afford food, medication or other important products you need. 
- For example, you can say, "I'm sorry I can't pay the entire rent for next month because my job has been suspended for two weeks due to of coronavirus. However, I can still cover $ 1,200, so could we do that? "
- Ask if you can make a plan to repay the rent for a few months. If you do not have enough money to make a large rental payment, see if your landlord accepts smaller payments for a certain period of time. Choose a regular payment amount that you can comfortably afford and let the landlord know how long you intend to pay back, if you agree, make sure you pay on time to prove that you are reliable. 
- For example, if you have to pay $ 1,200 USD for rent, you can instead offer to pay $ 300 USD each month for the next four months or even $ 200 USD for the next 6 months .
- You must still make your future rental payments in full and on time if you do not also negotiate for them.
- Your landlord may ask you to pay an additional percentage rate if you divide your bet. For example, if your rent is $ 1,200 and your landlord wants an extra 10% as interest, you will pay a total of $ 1,320.
- Mention what makes you a good tenant to convince your landlord. If you have paid in time before or have had a good rental history, mention it in your email so that your landlord sees that you are usually very reliable. Being a good tenant does not necessarily mean that you will have a break on your rental, but it can help you convince your landlord to help you so that you continue to rent from them. 
- For example, you can say: “I have rented from you for two years without receiving any complaints, and I made all my previous payments on time so you can say I'm usually reliable. Since we had to leave the job so suddenly because of coronavirus, I hope you can understand why I ask you to accept a partial payment for this month. ”
- Keep the landlord up to date on any changes in employment or income. Have an open communication with the landlord about your financial situation throughout the month so that you both can plan accordingly. If you get another job or are able to return to work, let them know if you still have to follow the payment plan you agreed to. If you still have trouble trying to meet the rent, tell the landlord as soon as you can to see if they can offer further assistance. 
[ Edit ] Find alternative solutions
- Check if your area has evacuation space so you don't lose your home . Some cities, states, and countries set moratoriums or draft bills, so you can still legally live in your home if you miss your rental payment. Check the websites of your local, state and federal governments to see if any moratoriums are in effect. If you live in an area with a moratorium, you do not have to worry about being thrown out if you miss or are delayed with a payment right away. However, you usually have to pay back the rent within a certain time. 
- In the United States, all foreclosures and drafts are closed by the end of April.
- If you can afford your rent and there is a moratorium in effect, you can still pay for it on time.
- Organize with your neighbors to address your landlord together. Reach out to the other tenants in your building via social media, email or flyers and ask them if they are also worried about paying for rents. If there are several people in the same building with similar problems, you plan to send email at the same time to your landlord. Alternatively, you can collect signatures from your neighbors and send a physical letter to your landlord to address the problem. 
- Your landlord may be more likely to listen and be able to offer help if several people have the same problem.
- Search for unemployment so you can still earn income. If you do not have a job because of the corona virus, you can still get unemployment insurance even if you get your job back after a quarantine. Look up your state's unemployment program to see if you meet the eligibility. Fill in your personal information in the online form or call the office directly to speak with a representative. Usually a debit card or check is sent within a few days. 
- Here you will find the list of condition-specific benefits and filing processes: https://www.careeronestop.org/LocalHelp/UnemploymentBenefits/find-unemployment-benefits.aspx. ebrit19659018achte Employment agencies are very busy because many people are at work due to coronavirus, so it can take longer than normal to process your claims.
- If you live in the UK, you may qualify for a universal mortgage, which is similar to unemployment. You can fill in the application here: https://www.gov.uk/apply-universal-credit.ebrit19659009 ?? Look for a "substantial" job so you can start working again. Although there are many industries that have had to close, you can still find job openings in jobs that are considered important. Try contacting local pharmacies, grocery stores or restaurants to see if they have vacancies. If you have a vehicle, you can also sign up for food delivery, such as mailmates or Uber Eats, as they still work during the outbreak as well. 
- Promoting groups can also contact politicians or present to a local council to further protect your tenants' rights.
- Apply for a short-term loan in a bank if you need to. Many banks offer zero- or low-interest loans during the coronavirus outbreak to ease your financial burden. Call a few different banks or lenders and tell us about your situation. Ask about how much you can get, what the interest rates are and how long you have to pay them back. Just take out as much money as you need so you don't go into debt. 
- Contact a politician to identify your problems. If you live in the United States, you can try to reach your state's governor or congressional representative. Otherwise, you can try to reach out to a mayor, a member of parliament or your local council. Address your problems with renting and explain how your landlord handled the situation. You may be able to sway politicians into considering different rental policies that are more useful to you and the community. 
- If you can, try to get more people on board because politicians may be more likely to help if they know more people have been affected.
[ Edit ] Tips
- Avoid making any non-essential purchases so you can save your money.
[ Edit ] Warnings
- Do not assume that you do not have to pay the rent even if you cannot be gone. Always discuss your options with the landlord so you can find the best solution together.
[ Edit ] References
- ↑ https://www.cnbc.com/2020 / 03/18 / what-to-do-if-you-cant -make-your-rent-or-mortgage-payments.html Tu 191990906060 ↑ https://www.seattletimes.com/business/real -estate / make-rent-in-the-time-of-coronavirus /  ↑ https://www.cnbc.com/2020/03/18/what-to-do-if-you- can't-make-your-rent-or-mortgage-payments.html
- [1945 https://www.cnbc.com/2020/03/18/what-to-do-if-you-cant- make-your-rent-or-mortgage-payments.html
- ↑ https://au.finance.yahoo.com/news/landlord-wont-renegotiate-rent-012500430.html
- ↑ https://www.seattletimes.com/business/real-estate/ making-rent-in-the-time-of-coronavirus /
- ↑ https://www.cnbc.com/2020 / 03/18 / what-to-do-if-you-cant-make -your-rent-or-mortgage-payments.html Tu 1919909066 ↑↑ https: //www.brownstoner.c om / real estate market / v ad-do-you-can't-pay-rent-mortgage-patience-coronavirus-landlord-homeowner-nyc /
- [1945 https://www.benefits .gov/help/faq/Coronavirus-resources
- [1945 https://fortune.com/2020/03/20/essential-workers-go Government-list-employee-coronavirus /
- ↑ https://www.inquirer. com / health / coronavirus / coronavirus-landlord-rent-property-manager-20200326.htmlebrit19659070vard 1945 https://www.cnbc.com/2020/03/18/ what-to-do-if-you-cant -make-your-rent-or-mortgage-payments.html
- ↑ https://au.finance.yahoo.com/news/landlord-wont- renegotiate-rent-012500430.html