Ukuboleka kwi-Equity ekhaya
Ukuba ikhaya lakho lixabisekile kunokuba unetyala kulo, umboleko wemali oyimali unokunikezela ngemali nayiphi na into oyifunayo-awuyisebenzisi nje imali ngemali ehambelana nekhaya. Nangona kunjalo, ukusebenzisa ikhaya lakho ukuqinisekisa ukubolekwa kwemali mboleko kuza neengozi.
Imboleko yemali yokulinganisa ikhaya lihlobo lomvuzo wesibini . Imali yakho yokuqala "mboleko" yinto oyisebenzisayo ukuyithenga ikhaya lakho, kodwa ungasebenzisa iimboleko ezongezelelweyo ukuboleka kwipropati ukuba wakha ukulingana okwaneleyo .
Iinzuzo zeNgxowa-mali yeMali yasekhaya
Iimali-mboleko zemali zentengo zihlala zikhangeleke kubo bobabini abbolekayo nababoleki. Nazi ezimbalwa iinzuzo eziphambili kubboleki:
- Amanani aphantsi: Iingxowa-mali zokuhlala ekhaya zinexabiso elincinci (eliqhelekileyo licatshulwe ngo-APR ) kunemali-mboleko engaqinisekanga njengamakhadi-mboleko kunye nemali mboleko. Ixabiso eliphantsi lingancedisa ukuboleka iindleko eziphantsi, kodwa iindleko zokuvala zinganciphisa amaxabiso aphantsi.
- Ukuvunyelwa: Imali-mboleko yemali yasekhaya ingaba lula ukufaneleka ukuba unetyala elibi . Xa ikhaya lakho liboleka imali, ababolekisi banendlela yokulawula umngcipheko. Oko kwathiwa, iimali-mboleko zemali-mboleko zifuna amaxwebhu amaninzi, kwaye ababolekisi babeke iimfuno ezincinci ezingenza kube nzima ukuboleka-nangona unako ukulingana okubalulekileyo.
- Iimali ezinkulu: Abbolekayo banokufumana iimali-mboleko ezininzi kunye nale mboleko mboleko , becinga ukuba unokulingana okwaneleyo ekhaya. Kwiindleko ezinkulu ezifana nokuphucula amakhaya, imfundo ephakamileyo, okanye ukuqala ishishini, ukulingana kwakho kwindlu kungakho kuphela umthombo wezimali okhoyo.
- Iingeniso zentlawulo zentlawulo: Unokwazi ukutsala enye inzala ekuhlawula imali kwi-home equity loan, ngokukodwa xa usebenzisa imali "yokuphucula okukhulu" kwipropati. Buza i-preparer yakho yerhafu malunga neenkcukacha ngaphambi kokuba uboleke kwaye ngaphambi kokuba uthathe ibheno.
Ukukhuselwa kwababolekisi: Uninzi lwezibonelelo ezingentla zifumaneka kuba imali-mboleko yasekhaya iyimali-mboleko ekhuselekileyo ukuba ibhanki iyenze: Imboleko "ikhuselekile" kunye nendlu yakho njengobuncwane .
Ukuba uhluleka ukubuyiselwa, ibhanki inokuthatha ipropati yakho, iyithengise, kwaye ibuyise nayiphina imali engakhokhelwa ngokuqhelisa kwikhaya lakho . Ngaphezu koko, ababoleki bavame ukubeka phambili ezi mboleko ngezinye iimali-mboleko kuba abafuni ukulahlekelwa ngamakhaya abo. Xa ubhekene nokukhethwa kokulahleka kwintlawulo yokubolekwa kwemali okanye ukuhlawulwa kwekhadi lesikweletu , unokugqiba ukunqumla ukuhlawulwa kwekhadi .
Ukuvunyelwa akuqinisekisiwe: Ukubambisana kunceda, kodwa ababolekisi kufuneka baqaphele ukuba bangababoleki kakhulu, okanye bafaka ingozi enkulu kwilahleko. Ngaphambi ko-2007, kwakulula kakhulu ukufumana imvume yokuthobela iimali zokuqala. Ukususela kwiinkathazo zezindlu , izinto zitshintshile, kwaye ababolekisi baya kuhlolisisa isicelo sakho. Ukuzikhusela ngokwabo, bazama ukuqinisekisa ukuba awubolekanga ngaphaya kwama-80 ekhulwini okanye ngokunjalo nexabiso lekhaya lakho ekuqwalaseleni i-mortgage yakho yangaphambili yokuthenga kunye naliphi na imali mboleko yemali oyifunayo. Ipesenti yexabiso lekhaya lakho elikhoyo libizwa ngokuba ngumboleko wokuxabisa (LTV) , kwaye iyakwazi ukuhluka ukusuka kwibhanki ukuya kwi-bhanki-abanye ababolekisi bavumela i-LTV izibalo ezingaphezulu kwama-80 ekhulwini.
Imali-mboleko yemali yasekhaya iyavunyelwa kuphela ukuba unokubonisa ukuba unako ukubuyisela. Ababoleki kufuneka ukuba baqinisekise iimali zakho, kwaye kuya kufuneka ufumane ubungqina bemali engenayo, ukufikelela kwiirekhodi zerhafu, kunye nokunye.
Indlela yoLwakhiwo lweNkxaso-mali yaseKhaya
Xa uboleka ngemali mboleko yekhaya, ungasebenzisa enye yeendlela ezimbini:
- Isixa-mali: Thatha isamba esikhulu semali phambi, uhlawule umboleko ngexesha kunye neentlawulo zenyanga. Inqanaba lakho lomdla linokumiselwa xa uboleka kwaye uhlala ulungelelanise ubomi bakho. Intlawulo nganye yenyanga iyanciphisa ibhalansi yakho yemali mboleko kwaye ihlanganisa ezinye iindleko zenzalo (yinto mboleko yemali).
- Umgca wekhredithi: Fumana imvume yokufumana imali ekhoyo, kwaye uboleke kuphela into oyifunayo. Eyaziwayo njengelungelo lokulinganisa ikhaya lekhredithi (HELOC) , olu khetho lukuvumela ukuba ubolekise amaxesha amaninzi emva kokuba uvunyiwe. Kwiminyaka yokuqala, unako ukwenza iintlawulo ezincinci, kodwa ngezinye iinkalo, kufuneka uqale ukwenza iintlawulo ezihlawulelwayo ngokupheleleyo ezikhupha umboleko.
I-HELOC yinketho eguquguqukayo kuba uhlala ulawula ukulinganisela kwemali-mboleko yakho kunye neendleko zakho zomdla. Uhlawula umyinge kuphela kwimali oyisebenzisayo kwi-pool yakho yemali ekhoyo. Nangona kunjalo, umnini-mboleko wakho unako ukukhanda okanye ukukhansela umgca wakho wekhredithi ngaphambi kokuba ube nethuba lokusebenzisa imali. Ukukhululeka kungenzeka xa ufuna imali eninzi kwaye ungalindelekanga, ukuze uguquko lufikelele engozini.
Iirhafu ezinomdla kwi-HELOC ziqhelekileyo , ngoko ke inzala yakho inzala ingashintsha (ngokubhetele okanye ngaphezulu).
Ukufumana imali mboleko , sebenzisa nabathengi abaninzi kwaye uthelekise zonke iindleko zeendleko kunye neengcaphuno zentengo. Fumana i-Loan Estimate ukusuka kwimithombo eyahlukeneyo, kubandakanywa nomsunguli-mboleko wendawo, kwi-intanethi okanye umthengisi wesizwe, kunye nebhanki yakho ekhethiweyo okanye inyunyana yekhredithi. Iirhafu zokunomdla ziyahlukahluka ukusuka kwenye indawo ukuya kwindawo, kwaye uya kufuneka uhlawule iindleko zokuvala ukuze uboleke imali yakho mboleko. Ababoleki baya kujonga ikhredithi yakho, kufuna i-appraisal , kwaye kungathatha iiveki ezimbalwa (okanye ngaphezulu) ukukhulula nayiphi na imali. Phatha le nkqubo ngokungathi ufaka isicelo semali mboleko yokuthenga ekhaya: Fumana i-stubs yakho yokuhlawula kunye namanye amaxwebhu aququzelelwe ukwenza inkqubo ihambe ngokukhawuleza .
Ukuhlawula kuxhomekeke kuhlobo lomboleko owufumanayo. Ngemali-mboleko yemali-mboleko, uhlawula ngokukodwa intlawulo nganye ngenyanga (uhlawula umlinganiselo ofanayo nenyanga zonke) ude umboleko uhlawulwe. Ngomgca wekhredithi, unokukwazi ukwenza iintlawulo ezincinci kwiminyaka emininzi ngexesha lakho "lokuthatha ixesha," elinokuhlala iminyaka elishumi okanye kunjalo. Emva kokuba ixesha lokudweba liphelile, kuya kufuneka uqale ukwenza iintlawulo ezihlawulelwayo rhoqo ukuze uhlawule ityala. Nangona kunjalo, unakho ukuhlawula ngokuthe nawuphi na uhlobo lomboleko kwangoko ukugcina imali yentlawulo .
Ukusetyenziswa kweeNgxowa-mali zoLuntu lwasekhaya
Ungasebenzisa imboleko yemali yasekhaya nantoni na oyifunayo. Nangona kunjalo, ababolekisi bavame ukusebenzisa i-mortgages yesibini kwezinye zeendleko ezinkulu zokuphila kuba amakhaya athambekele ekubeni nexabiso elikhulu ukuboleka. Iintlobo ezininzi ezisetyenziswayo ziquka:
- Remodel, ubuyekeze, okanye ngenye indlela uphucule indlu kunye nepropati.
- Ukuhlawula umfundi wekholeji.
- I-Fund ukuthengwa kwekhaya lesibini okanye umhlaba .
- Ukuhlanganiswa kwamatyala aphezulu.
Imingxuma yeeNgxowa-mali zoLuntu lwaseKhaya
Ngaphambi kokusebenzisa imali mboleko yemali nayiphi na injongo, qiniseka ukuba uqonda ingozi yokusebenzisa le mboleko . Ingxaki ebalulekileyo kukuba unokulahlekelwa yindlu yakho ukuba unganamatheli kwishedyuli yokuhlawula yenyanga leyo ifunwa ngumboleki wakho.
Iimali ezibalulekileyo: Ngenxa yokuba le mboleko ingabonelela ngemali eninzi, ilinga ukusebenzisa ikhaya lakho njengeATM. Kodwa kukulungele ukugcina ubulungisa bakho basekhaya kwizinto eziza kuphucula ixabiso lakho kwikhaya lakho, faka ixabiso elibalulekileyo ebomini bakho (oku akubandakanyi "ufuna" okanye izityebi), okanye ukhokele kwingeniso ephezulu kwintsapho yakho. Le yimeko apho kubaluleke ngakumbi ukuhlawula imali ebolekileyo njengetyala "elungileyo" kunye netyala "elibi" .
Imirhumo: Iindleko zokuvala ziyimpikiswano. Ukuboleka kwikhaya lakho kunokuhlawula amawaka eedola-kwaye ngaphambi kokuba usebenzise nayiphi na imali ekulungiseni ikhaya okanye ukufundiswa. Ukuba uhlala uboleka kwikhaya lakho, yinto ebiza kakhulu (nangona ukusebenzisa imigca yekhredithi kunokukunceda ukulawula iindleko).
Indlela yokufumana iNgxowa-mali yeMakhaya eLungileyo
Ukufumana i-loan ye-equity loan yasekhaya kukugcina amawaka eedola okanye ngaphezulu. Ukufumana i-best deal:
- Thengeza. Ababolekisi abahlukeneyo baneenkqubo ezahlukeneyo zemboleko ezikhoyo, kwaye izakhiwo zabo zokuhlawula ziyahlukahluka kakhulu.
- Lawula izikolo zakho zekhredithi kwaye uqinisekise ukuba iingxelo zakho zekhredithi zichanekile. Ukuba kukho naziphi na iimpazamo okanye izinto ezilula ukulungisa kwiingxelo zakho zeentengo zemali, sebenzisa ngokukhawuleza ukulungelelanisa ukuphucula ngokukhawuleza okungakhokelela kumazinga angcono.
- Buza inethiwekhi yakho yabahlobo kunye nosapho abacebisayo. Buza ama-agents asekhaya angabanikazi bemihlaba ababolekisi bemali mboleko benze umsebenzi ongcono kubo abathengi babo.
- Thelekisa ukunikezelwa kwakho kwabo bafumaneka kwiwebhusayithi kunye nezipapasho. Khumbula ukuba amaxabiso alungileyo atholakala kuphela kubabolekayo abanamazinga aphezulu esikweleti kunye neninzi yengeniso yokuhlawula iintlawulo. Funda iNgxowa-mali yakho ngokulingisisa ukuze ubone ukuba uhlawula umlinganiselo ofanayo owawukulindele.
Iingcebiso ezongezelelweyo
Ngaba imboleko efanelekileyo? Ngaphambi kokuba ubolekise, hlala kwaye uqinisekise ukuba lolu hlobo lwemboleko luba luncedo. Ingxowa-mali yokulingana nekhaya iyilungelelwano olungcono kwiimfuno zakho kunokuba i-akhawunti yekhadi yekhredithi okanye i- mboleko engakhuselekanga ? Ukuba awuqinisekanga, yifake ngaphambi kokubeka ikhaya lakho engozini. Ezi mboleko zingenakho inzala ephezulu, kodwa ungaphuma phambili ngokugwema iindleko zokuvala.
Yenza icebo: Yenza isicwangciso esicacileyo somvuzo wakho kunye neendleko-kuquka le ntlawulo entsha- phambi kokuba uvale umboleko. Le mboleko enkulu inokuza neentlawulo ezinkulu. Ngaphezulu, iintlawulo zonyuka ngaphezu kwexesha ukuba unesilinganiselo esingafaniyo. Ukuba kukho nayiphi na indlela yokwenza oko ofuna ukuyenza ngaphandle kokuthatha ityala, nikela ezo zikhetho ngokucokisekileyo.
Zikhusele kunye nentsapho yakho: Hlaziya i-inshorensi yakho (ubomi kunye nokukhubazeka ngokukodwa) kwaye uhlole indlela oza kufikelela ngayo iintlawulo xa kukho into eyenzekayo. Unokwenza okanye awufuneki yinshurensi, kwaye akukho mntu unokukunyanzela ukuba uyisebenzise. Ukuba unquma ukubandakanya ukuxhamla njengengxenye yemboleko yemali yasekhaya, hamba ngeentlawulo zenyanga zenyanga-kungekho-phambili-ukuze uhlawule kuphela into oyisebenzisayo (ukucinga ukuba i-inshurensi iyimali-mboleko yemali). Njengaye nawuphi na umkhiqizo wezezimali, fumana izicaphuno ezivela kwimithombo eyahlukeneyo, kuquka i-inshorensi ye-intanethi neyazimeleyo. Awunayo ukuthenga i-inshorensi enikezelwa ngumboleki wakho.
Ingeniso yomhlala-phantsi: Ukuba uceba ukuthatha i-equity home for your expenses on a retirement, uhlalutye imali ehlawulwayo , ekufuneka kube lula kubantu abadala ukuba bafaneleke. Nangona kunjalo, zifunde ngeengozi kwaye ulawule ezinye iindlela ngaphambi kokuba uthathe isinyathelo.
Ukunciphisa inzala (ngaphambi kuka-2018): Kwiminyaka yerhafu ukuya kubandakanywa no-2017, kwabakho banike umhlawuli-ntlawulo banokukhangela inzala ehlawulwayo kwimali-mboleko yemali yasekhaya. Ngomnyaka werhafu 2018 nangemva, ngenxa yesigqibo soMthetho wokuThuthwa kweRhafu kunye noMsebenzi, ukuba inqununu ayisabikho (nangona ukuchithwa okuncinci kwimali-mboleko yokuthenga ekhaya kungafumaneka). Thetha nge-CPA ukufumana indlela iimali-mboleko zakho zasekhaya ezichaphazela ngayo irhafu yakho.