Abanini-maKhaya abanokwakha ama-Equity
Yintoni Ubulungisa?
Ukulingana yimalini yendlu yakho oyenayo . Ukuba uboleka imali ukuthenga ikhaya lakho, unako ukubala ubulungisa bakho ngokukhupha ibhalansi yakho mboleko kwixabiso lekhaya lakho. Ukuba ugqiba nenombolo engalunganga, unako ukulingana okungafanelekanga - ikhaya lifanelekile ngaphantsi kunokuba unetyala kulo.
Umzekelo: ikhaya lakho lifanele u-$ 250,000 kwaye unetyala elingama-100,000 kwi-mortgage yakho. Ama-250,000 engama-$ 100,000 angalingana nama-150,000 e-home equity. Le xabiso unokuyenza into xa uthengisa ikhaya.
Indlela yokwakha ubulungisa
Ubulungisa obunakho, bubhetele. Kukho iindlela ezimbini zokwakha ubulungisa:
- Ixabiso lepropati landa
- Isixa sematyala sinciphisa
Unokuthatha indlela ekhuselekileyo yokunyusa ukulingana, kuxhomekeke kwiinjongo zakho, izixhobo zakho kunye nenhlanhla yakho.
Ukwandisa ixabiso lePropati
Ixabiso lakho lemakethi lakho lekhaya liyinxalenye ebalulekileyo ekubaleni kwakho kwamanani. Ukuba oko kuya kunyuka, unakho ukulingana ngokukhawuleza. Ngoko ikhaya lakho linyuka njani kwixabiso?
Ukunyuka kwamaxabiso kwimarike yakho: ukuba unethamsanqa, ixabiso lekhaya kwimarike yakho inokunyuka ngokukhawuleza ixesha, ngaphandle kwenzalo. Oku kunokwenzeka ukuba kwenzeke kwiindawo ezakhayo kunye needolophu ezikhulayo.
Ukuphuculwa kwekhaya: ungasetha imali ekhaya lakho ukwandisa ixabiso layo.
Ukuhlaziya iikhikhini kunye namagumbi okuhlamba, ukuphucula ukuhlaziywa komhlaba, nokwenza ikhaya likwazi ukuhlawula amandla onke (kodwa kukho ixabiso eliphambili, kwaye kufuneka uqinisekise ukuba unokukwazi ukuphinda uhlawule loo ndleko). Ukuba wenza ukuphucula ngokuyinhloko ukwakha ubulungisa, khetha iiprojekthi kunye nokubuya okuphezulu kwi-investment (ROI).
Ukulondolozwa: ukugcinwa kwesiganeko kunzima, kodwa indlu eyahlukanayo ayinakubaluleka kumntu. Ungakwazi ukubona ukulingana kwekhaya lakho xa wehluleka ukujongana nemiba efana nokuvuza kunye nokwehla.
Ukunciphisa amatyala
Iintlawulo zenyanga: kunye neengxowa-mboleko zekhaya, uhlawula umlinganiselo wakho wemali mboleko encinane kwinyanga nganye. Itheyibhile yokwenza amalungiselelo eyokuqala ingakubonisa inkqubo ekusebenzeni . Nangona ude uboleke imali yakho, inqununu eyongezelelweyo uyihlawula (ininzi yentlawulo nganye iya kwi-equity, kwaye imali encinane yentlawulo nganye ilahlekelwa kwiintlawulo zenzalo). Enyanisweni kulula kakhulu ukuba uqhubeka uhlawula - kwaye ukwakha umxhesho (kunye neentlawulo ezinkulu kunye neenqununu ezinkulu) ngaphandle kokuzama.
Kodwa unokuba ufuna ukukhawuleza inkqubo kunye nokwakha ubulungisa ngokukhawuleza. Kukho iindlela ezininzi zokwenza oko.
Ixesha elifutshane : iimali-mboleko zexeshana ezincinci zenza ukuba uhlawule phantsi kwetyala kwaye wakha ubulungisa ngokukhawuleza kuneemali-mboleko zexesha elide. Ngokomzekelo, iminyaka eyi-15 yokuboleka imali yayiza kuba ngcono kune-mortgage year-year. Njengebhonasi, loo mboleko emfutshane idla ixesha eliqhelekileyo lithatha inzala engaphantsi-leyo, idibene nenyaniso yokuba uhlawula umdla kwiminyaka embalwa, kuthetha ukuba uya kuchitha imali encinci kwimali yakho mboleko.
Iintlawulo ezongezelelweyo: nangona uneminyaka engama-30 yemali mboleko, unokukhawulezisa izinto ngokuhlawula ngaphezulu. Iyonke idola eyongezelelweyo oyihlawulayo (ngentla naphaya kweentlawulo zakho ezifunekayo) unciphisa ityala lakho kwaye iya kwi-equity yakho - qinisekisa ukuba umboleki wakho usebenza kwezo ntlawulo kwinqununu. Akukho nto inokumisa ekumiseni ishedyuli yokuhlawula umnyaka we-15 (khangela ikhonkco kwitheyibhile yokuhlaziywa ngasentla) kwaye wenze ezo ntlawulo kumboleko wakho weminyaka engama-30. Ukuba izinto zitshintsha ngexesha elithile kwaye awukwazi ukukwazi ukwenza okunye, unakho ukulungelelanisa ukubuyela kumncinci weminyaka engama-30. Ukuba oko kunzima, thumela intlawulo ethe xaxa ngexesha elide .
Yiyeke yodwa: iimbini zokubolekwa kwemali kunye nokulungiswa kwemali kunokuphazamisa ukunciphisa amatyala. Kucacile ukuba, ukuba unako ukugcina umthwalo ngokucoca , qhubeka phambili wenze njalo.
Kodwa khumbula ukuba ngeemali-mboleko ezininzi, uhlawula umdla kwiminyaka yokuqala yemali-mboleko yakho - ngoko yonke ixesha uqala ngalo, uyalibaziseka (okanye ncinane uncitshise) isakhiwo sakho sokulingana. Ukuboleka kwikhaya lakho kunye ne- second mortgage (okanye umgca we-home equity line credit) ngokucacileyo ukwandisa ityala lakho kwaye kunciphise ukulingana kwakho.
Ukugcinwa Kwemali
Ngamanye amaxesha abantu babhekisela kwingeniso yokubolekwa kwempahla njengento "yokunyanzeliswa kwengcinezelo." Unokuba ungacingi ukuba uyasindisa nayiphi na imali ngokwenza iintlawulo nganye ngenyanga, kodwa uyakha ixabiso le-asethi (njengokuba uza kwakha ixabiso le-akhawunti yokulondoloza ngokufaka idipozi rhoqo ). Ngekhaya, i-asethi ayinayo imali kwi-akhawunti yokulondoloza - kukulingana ekhaya lakho.
Yintoni ongayenza nge-Equity?
Unokuzibuza ukuba uphuma ntoni kuwo wonke ubulungisa. Impendulo emfutshane kukuba yintengiso onokuyithengisa enye impahla.
- Ukuba uthengisa indlu yakho, uza kufumana imali ngokulinganayo
- Ukuba uthengisa enye indlu, unokusebenzisa loo mali (okanye ukulingana) ukukunceda ukuxhasa imali yokuthenga indlu yakho entsha (kwaye ke uya kuboleka ngaphantsi)
- Ukuba unako ukufuna imali, unokuboleka kwi-equity ekhaya lakho kunye ne-mortgage yesibini (eyaziwa ngokuba yi-" loan loan home ").