Umboleki wakho ubeka umda wokuboleka, kwaye unokukhetha ukuboleka ubuninzi njengoko ufuna ixesha elivunyelwene ngalo. Kufana nekhadi lesikweletu okanye umgca wekhredithi, ukuba uhoxise imali njengoko uyifunayo, kwaye uhlawule kuphela oko ubolekayo.
Qaphela, nangona kunjalo, ukuba ungangqubana nomgca wokulinganisa ikhaya lekhredithi ngemali mboleko yemali. Kwimali-mboleko yokulingana ekhaya, umboleki-mali unika esinye isamba semali kwaye wenza inkokhelo efanayo ngenyanga, ude uboleke imali. Umgca wekhredithi uhlukile kwizinto ezihambayo, oku kuthetha ukuba ungasebenzisa imali, uyihlawule kwaye uyisebenzise kwakhona. Imali mboleko yemali ibuye ifikelele kwisantya esinomdla, ngelixa i-HELOC inezinga elitshintshayo.
- Funda ngakumbi: Indlela yokuSebenza kweTyala
Iimfuno ze-HELOC
Esinye sezidingo ezisemgangathweni zokufumana umgangatho wokulinganisa ikhaya lekhredithi unokulingana okwaneleyo ekhaya . Iibhanki zifuna ukuba ugcine u-10 ukuya kuma-20 ekhulwini ukulingana kwikhaya lakho lezezimali ngexesha lonke, nangemva kokuba uthabathe umda we-credit equity line. Ukuze bafaneleke, ababoleki badinga ukulingana okukhulu kwikhaya labo. Ezinye iimfuno ze-HELOC ziquka ubungqina bemali engenayo , umsebenzi oqinileyo, kunye nomlinganiselo omhle wokuthenga ngetyala , ngokugqithiseleyo ngaphezu kwe-680.
Umzekelo
Masithi uthenge ikhaya lakho nge $ 210,000 kwaye uhlawule i $ 100,000. Ukuze kube lula, indlu isekelwe i-$ 210,000, ikushiye nge $ 100,000 ngokulingana. Ukucinga ukuba ibhanki ikufuna ukuba ugcine umyinge we-20% we- loan-to-value rate , oku kuthetha ukuba unokufumana i-HELOC i-$ 100,000 ngaphantsi kweepesenti ezingama-20 zexabiso lakho lexabiso lekhaya le-$ 210,000.
Oku kusebenza kwi-$ 210,000 x 20% = $ 42,000) ukuba ibhanki ayiyi kuboleka, ikushiye nge-HELOC enokuba ngu-58,000.
Ngaba Imali Yemali Yesiko Ilungelo?
Okokuqala kunye nangoko, cacisa oko ufuna ukukwenza ngemali. Ukuba ukhangele ukwenza ukulungiswa kwekhaya, isizathu esivakalayo sokufumana i-HELOC, umboleko wemali olinganiselayo wokulingana ekhaya unokuba ngumgangatho ongcono. Umboleko uza kukunika isamba esinye semali, ukuvumela ukuba ugqibezele ukulungiswa kwakho kwaye uhlawule umboleko ngendlela ecacileyo.
Umgca wekhredithi uvumela ukuba uhlawule ngokuphindaphindiweyo kwaye ubolekise kwakhona, njengekhadi lesikweletu. Nangona umdla ungaphantsi kakhulu kwikhadi lesikweletu, kusenokuba yingozi xa uhlala uboleka kwaye uhlawula, ngaphandle kokugcina iithebhu kwixabiso elipheleleyo elisetyenzisiweyo. Ngamanye amagama, awufuni ukungena phezu kwentloko yakho
Ukuba ufuna ukuqinisa ityala ngokuhlawula amakhadi ekwereti ephakamileyo, inkokhelo yemali yokulinganisa ikhaya ingaba yinto ekhethekileyo kuba ufumana iintlawulo zenyanga. Yenza imali, hlawule amakhadi ngokukhawuleza, kwaye uqale ukwenza iintlawulo zakho kwibhanki kwizinga eliphantsi. Nangona i-HELOC ingenza into efanayo, njengoko uhlawula i-HELOC imali iyafumaneka kwakhona. Kweminye, le mali iyayilinga kwaye iyakwazi ukuyibuyisela ematyaleni, apho baqala khona.
Apho uMgca weNkcazo wenza iNgqiqo
Ngakolunye uhlangothi, i-HELOC inokuba yinto efanelekileyo yokubheja xa uhlawula isifundo sekholeji yengane. Isifundo siyi-bill evolisayo, yimeko apho i-HELOC yenza ingqiqo. Ukuhlawula isifundo ekuqaleni kwe-semester, hlawula imali, kwaye ubuye uphinde umzuzu wesibini.
Kwabanye ababolekayo, iinzuzo zerhafu zenza ii-HELOC kunye neengxowa-mali zokulingana ekhaya, ezinokuba zifikeleleke , njengoko inzala oya kuhlawula kule mboleko ingahlawulwa irhafu. Thetha kunye ne-preparator yerhafu ukufumana iimfuno kunye nendlela yokuthatha nayiphi na intsalelo. Unokudinga ukuba wenze, kwaye kukho imingcele kuquka, phakathi kwabanye, ukunciphisa iindleko zenzalo kumatyala ukuya kuma-100,000. Iinkcukacha ziyafumaneka kwi-IRS Publication 936.
Imibuzo oyifunayo ngaphambi kokufumana i-HELOC iquka:
- Yintoni oyifunayo imali?
- Ungayigcina yona esikhundleni sokuthembela ngemboleko?
- Ngaba unako ukuhlawula iimeko ezigqithisileyo okanye inqanaba eliphezulu elinomdla ?
- Ngaba uzakuhendelwa ukusebenzisa imali ngokungakhathali?
- Iyintoni isicwangciso sakho sokuhlawula ityala?
- Yiyiphi imigangatho kunye nenzala?
Khumbula ukuba ikhaya lakho lisetyenziselwa ukugqithisa. Ukuba uwela kumaxesha anzima ngenxa yezizathu ezithile, ezifana nokulahleka komsebenzi okanye ukuhlawulwa kweendleko zonyango, ubeka ingozi ekulahlekeleni ikhaya lakho ukuba awukwazi ukwenza iintlawulo zemboleko yakho. Unokuba neengxaki zokuthengisa ikhaya lakho ngenxa ye-bhokisi eyongezelelweyo efakwe kwipropati.
Ekugqibeleni, nguwe kuphela onokugqiba ukuba u-HELOC ulungile kuwe. Qinisekisa ukuba uyayiqonda ngokupheleleyo imirhumo, imimiselo kunye nemimiselo yomgca wesikweletu. Kusengamatyala kwaye kufuneka kuthathwe ngokungathí sina. Cinga ukuba kukho ukhetho olufumanekayo ukufezekisa injongo yakho yemali engayidingi ityala, njengokuthatha isithuba somsebenzi wokufumana imali eyongezelelweyo.