商业周刊:新冠疫情下的紧急财务计划指南(3)（在线收听）

A less consequential way to increase cash flow is to stop contributions into a retirement account for a while.

增加现金流的一个不太重要的方法，是暂时停止向退休账户缴款。

The key, of course, is restarting contributions as soon as possible.

当然，关键是尽快重新缴款。

Another logical place you might look for liquidity is from your home equity, although that's getting tougher.

寻找流动性另一个合理的途径，是房屋净值，虽然这样做越来越困难。

For those with at least 30% to 40% equity in their home, getting a home equity line of credit (Heloc) could be a good, cheap insurance policy,

总部位于巴尔的摩的金融服务公司Facet Wealth联合创始人布伦特·韦斯表示，

says Brent Weiss, co-founder of Baltimore-based Facet Wealth.

对于那些拥有至少30%至40%房屋产权的人来说，获得房屋净值信贷额度（Heloc）可能是一个便宜又不错的保单。

The more equity you have in your home, the larger the loan you can get and the lower the rate.

家中的资产越多，能获得的贷款就越多，利率也就越低。

Lenders including JPMorgan Chase & Co. and Wells Fargo & Co. announced recently that they have temporarily stopped accepting applications for new Helocs, however.

不过，包括摩根大通和富国银行在内的贷款机构最近宣布，他们已暂时停止接受新的房屋净值信贷额度申请。

Trying a community bank, online lender, or a credit union may be your best bet.

尝试一下社区银行、在线贷款人，或信用合作社可能是最好的选择。

Be aware that the loans will take longer to get today, and you may not get the same amount you would have six months ago.

请注意，现在获得贷款需要更长的时间，而且可能无法获得与六个月前相同的金额。

Once you get a Heloc, you may want to draw on the full amount and then bank it.

一旦获得房屋净值信贷额度合同，你可能需要提取全部金额，然后存入银行。

"The bank can't require you to pay it back, but they can freeze the limit," Weiss says.

“银行不要求你还钱，但可以冻结限额，” 韦斯说道。

That means paying interest, of course, and the best deals available today are at about 5%.

当然，这意味着要付利息，而现在最优惠的价格是5%左右。

If you are in a tougher situation and the issue is making current bill payments, you can apply for mortgage forbearance with your loan servicer.

如果你的处境比较艰难，而问题是支付当前的费用，可以向贷款服务商申请抵押贷款延期。

The share of mortgages in forbearance has risen from 0.25% of servicers' portfolio volume for the week of March 2 to almost 7% as of April 19,

抵押贷款银行家协会（Mortgage Bankers Association）的数据显示，

according to the Mortgage Bankers Association.

截至4月19日，暂缓抵押贷款占服务业者投资组合总额的比例，已经从3月2日的0.25%上升至近7%。

The Coronavirus Aid, Relief, and Economic Security (Cares) Act allows those with loans owned or backed by government-backed agencies or entities

《新冠病毒援助、救济与经济安全法案》允许那些拥有或支持由政府支持的机构或实体，

such as Fannie Mae, Freddie Mac, and the Veterans Administration, to apply for a reduction in, or suspension of, payments for 180 days for pandemic-related hardship.

如房利美（即联邦国民抵押贷款协会）、房地美（即联邦住宅贷款抵押公司）和退伍军人管理局等的贷款人，可以申请少支付或暂停支付180天的与疫情相关的待付款。

After that, borrowers can apply for an additional 180 days.

之后，借款人可以再申请180天。

Some states are developing programs to offer mortgage relief.

一些州正在制定提供抵押贷款减免的方案。

While the Cares Act says these forborne or reduced payments are not supposed to be reported to credit bureaus as missed,

虽然《冠状病毒援助、救济和经济安全法案》表明，这些预支或减少的付款不应作为漏报而上报给征信机构，

you should be sure to check. (With mortgages from private lenders, skipped payments in forbearance are reported.)

但你应确保进行核查。（据报道，私人贷款机构的抵押贷款，报告过在延期期间付款被略过。）

The thing with forbearance: You have to pay eventually and interest keeps accruing.

延期的意思是：你终究要偿还费用，利息也在不断累积。

So it's crucial to be clear on how you'll repay—options could include a balloon payment, a loan term extended to include missed payments, or higher monthly bills.

因此，很重要的一点是要清楚你选择如何偿还，偿还方式包括最末期大笔还清，延长贷款期限包含拖欠的付款，或月结费用增加。

If you can't resume payments, you could be heading down the path to losing your home.

如果你不能继续偿还款项，可能最后会丢掉自己的房子。

There are also smaller steps you can take to ease your monthly budget burden. One is to adjust how you pay smaller monthly bills.

你也可以采取一些小措施来减轻每月的预算负担。一是调整支付较小数额月度账单的方式。

Rather than paying life insurance or property casualty insurance premiums annually, pay monthly or quarterly.

与其每年支付人寿保险费或财产意外保险费，不如按月或按季度支付。

You may also be able to lower premiums on auto insurance—you're likely not driving as much.

如果你驾车次数不多的话，也可以降低汽车保险的保费。

Refinancing a car loan may also free up money.

为汽车贷款再融资也可以腾出资金。

Ashley Gragtmans, a financial planner with Parsec Financial in Asheville, N.C.,

阿什利·格拉格曼斯是北卡罗来纳州阿什维尔市帕塞克金融公司的一名理财规划师，

recently switched her and her husband's car loan to a credit union and got a lower interest rate as well as 90 days of no payments and no interest.

她最近把自己和丈夫的汽车贷款转到了一家信用合作社，获得了较低的利率以及90天的无还款和无利息优惠。

You can also try negotiating with cable companies, internet providers, utilities, and, if you rent, your landlord.

你也可以尝试与有线电视公司、互联网提供商、公用事业机构协商，如果你租房，还可以和房东谈谈。

Gragtmans has friends who asked their credit card company for a temporary waiver on interest payments and got it.

格拉格曼斯的朋友，向其信用卡公司要求暂时免除利息支付，并获得批准。

Being stuck at home has helped some people with another helpful financial practice.

呆在家里帮助了一些人进行另一项有益的理财活动。

"As bad as this is, it's an opportunity to reevaluate lifestyle spending and tighten up," says Gragtmans.

“尽管情况如此糟糕，但这是一个重新评估生活花销并收紧支出的时机，” 格拉格曼斯说。

"The whole point of having an emergency fund is that you never know—the certainty of uncertainty is so real."

“设立应急基金的关键在于，你永远不知道不确定性会是如此真实。”