Imisebenzi yeRash-Out Refinancing Works
Ukucoca ngokukhawuleza kwenzeke xa ubeka umboleko wemali ekhoyo ekhaya ngokuhlaziya kunye nemboleko emitsha.
Ngokuboleka okungaphezulu kunokuba uhlawulwa njengamanje, umboleki-mboleko unika imali engayisebenzisa kuyo nayiphi na into oyifunayo. Kwiimeko ezininzi, "imali" ivela kwifom yokutshekisha okanye ukudluliselwa kwefayile kwi-akhawunti yakho yasebhanki .
Indlela yokusebenzisa iMali
Ungasebenzisa imali yemboleko yakho nayiphi na indlela oyithandayo. Kodwa umngcipheko kunye neendleko azikwazi ukunyanzelwa. Kubaluleke kakhulu ukusebenzisa ukuhlaziywa kwemali yezinto eziza kuphucula iimali zakho kunye nokukwazi kwakho ukubuyisa imali mboleko . Ezinye iindlela eziqhelekileyo zokuhlaziya ziquka:
- Uphuculo lwasekhaya: Kucacile ukusebenzisa i-home equity for projects projects. Ukuphuculwa kobuchule obwandisa ixabiso lemarike kwikhaya lakho liya kwandisa ubulungisa bakho, okwenze kube lula ukubuyisela imali yakho xa utshengisa ikhaya lakho. Kukulungele ukusebenzisa iiprojekthi "ezikhuselekileyo" iiprojekthi eziza kuthenga abathengi-kungekhona wena kunye nosapho lwakho-ziya kuxabisa.
- Iindleko zemfundo: Ezinye iinkqubo zemfundo zinokukunceda ufumane umsebenzi ozinzileyo kwaye ufumana imali engaphezulu. Ukuba unethemba lokuba i-degree okanye ikhosi yokufunda iya kukunceda, ukuthabatha imali kwikhaya lakho kunokwenza ingqiqo.
- Uphuhliso lwezoshishino: Kuzama ukusebenzisa ukulingana kwasekhaya ukuqala ishishini, kwaye yenziwe ngempumelelo, kodwa yingozi. Ngepesente ephakamileyo yamashishini ahlulekayo, kufuneka uhlolisise indlela oza kuhlawula ngayo imali mboleko kunye nokuba usapho lwakho lunokuchaphazeleka njani ukuba umrhumo wakho ungenise imali. Oko kwathiwa, iimali-mboleko zasekhaya zingabizi ngaphantsi kuneemakhadi zemali-mboleko, kwaye ukuba unako ukufumana ilahleko, ukuthabatha imali kwikhaya lakho nokuba yinto enokuthenga. Ngaphezulu, iibhanki zinokufuna ukuba usebenzise ikhaya lakho ngesiqinisekiso somntu siqu ukuze ufumane i-mboleko ye-shishini.
- Ukudibanisa amatyala? Ukuhlawula amakhadi esikwereti aphezulu-interest interest rate intuitively, kodwa xa wenza njalo, ungeze ingozi yokuba ngaphambili ayikho. Amakhadi okuthenga ngetyala ayimalimboleko engakhuselekanga, kwaye ababolekisi abanalo ilungelo lokuthatha ikhaya lakho ukuba awuyi kubuyiselwa (konke abakwenzayo kukulimaza i-credit yakho kwaye uzama ukuqokelela imali ). Emva kokubeka loo matyala kwimboleko yokubolekwa kwemali, indlu yakho inomdla omhle xa ungaphumeleli ukuyihlawula.
Nangona iindawo ezisetyenziswa ngasentla ziyaziwayo, azihlali zikhethileyo. Ezinye iintlobo zemali-mboleko zingaba ngcono, kwaye siya kuhlola abo bangaphantsi. Kodwa okokuqala, ezinye iinkqubo kunye neengxaki zokubeka ezo ndlela zithile kumxholo.
Iinkonzo kunye neNgxowa yeCash-Out Refinancing
Kulula ukuqonda ukuba kutheni ukukhawuleza kukhangela. Xa unokuphucula umboleko wakho okhoyo kunye nenani elincinane lezala kunokuba sele ukhona-kunye nokufezekisa injongo-uzama ukuhamba nayo.
Izinzuzo zokubamba ukulingana kwezindlu ziquka:
- Imali-mboleko emikhulu: Ubulungisa kwikhaya lakho lunokufikelela kumashumi (okanye ngamakhulu) amawaka eedola, ngoko yindlela elula eya kwimali eninzi.
- Amanani aphantsi aphantsi: Ngenxa yokuba ikhaya lakho likhusela imali-mboleko , unako ukufumana amaxabiso omgangatho ophantsi (xa kuthelekiswa namakhadi-mboleko kunye nemali mboleko).
- Iintlawulo zentlawulo zentlawulo: Iintlawulo zerhafu azinjalo nje ngokuba zinobubele njengoko zaziqhelekile. Kodwa ukuba usebenzisa imali "yokuphucula okukhulu" ekhayeni lakho, unokufumana ikhefu lokuhlawula irhafu elinciphisa kakuhle iindleko zemboleko yakho. Buza i-akhawunti yakho ngeenkcukacha.
- Ixesha elide lokubuyiselwa: Ngokufaka indawo yakho yokubolekwa ngemali ngemali-entsha yeminyaka engama-30 okanye iminyaka eyi-15 yemboleko, unako ukululalisa iintlawulo zakho. Kodwa oko kuza ngeendleko.
Iingxaki zokuhlawula ziquka:
- Iindleko zenzalo: Uya kuqalisela iwashi kuyo yonke ityala lakho lezindlu, ngoko uya kwandisa iindleko zakho zomdla wokuhlala (ukuboleka ngaphezulu kwenza njalo). Ukubona ukuba oku kukuchaphazela njani, khangela ietafile zokubamba imali kwimali-mboleko yakho ekhoyo kunye nemboleko entsha. Indlela ejikeleze le ndlela ukusetyenziswa kwemali yesibini endaweni.
- Ingozi yokuchithwa kwemali: Ukuba awukwazi ukubuyisela imali mboleko yakho, unokulahlekelwa ngumzi wakho . Imboleko engakhuselekanga ayingozi kakhulu.
- Iindleko zokuvala: Imali-mboleko yemalimboleko ifuna iindleko zokuvala eziphambili. Uhlala uhlawula loo ndleko nokuba uyayifaka ibhalansi yakho mboleko, bhala isheke, okanye uthathe izinga eliphezulu . Ukuvala imboleko yakho, uza kuchitha phakathi kwamanqaku angamakhulu ambalwa kunye needola eziliqela, kwaye kufuneka udibanise loo mali kuyo nayiphi na into oyisebenzisa ngayo imali.
Ezinye iindlela zokufumana imali
Ukuhlaziywa kwakhona kwemali mboleko yakho kuyinyathelo elikhulu. Ukuba ukhetha ukuthatha amanyathelo amancinane, unokhetho oluninzi.
Imboleko mboleko: Unokuphepha ukungongeza kwimeko enxulumene nekhaya ngokusebenzisa iimali-mboleko ezingaphephile njengeempawu zemali ezivela kwiibhanki, imibutho yamatyala kunye nababolekisi be-intanethi . Ukuba unetyala lekhredithi, unokukwazi ukuxhasa iiprojekti ezincinci ngezibonelelo zokupapashwa kwekhadi lokuthenga ngetyala-nje uhlawule ityala phambi kokuba iireyiti eziphindwe kabini zifikelele.
Izibonelelo zokubambisa okwesibini: Esikhundleni sokutshintshwa kwemali-mboleko yakho yasekhaya, unokongeza imali mboleko yemali okanye umgca we-credit (HELOC) ukuboleka kwikhaya lakho. Le ndlela ikuvumela ukuba ushiye imboleko yakho ekhoyo efunyenwe-ukwenzela ukuba isantya sakho somyinge, ishedyuli yohlengahlengiso , kunye nentlawulo yenyanga yodwa. I-mortgage yesibini ingaza nenani lentengo eguqukileyo , kodwa emva kokuba uyihlawule, uya kubuya apho ukhona namhlanje njengokuba awuzange uboleke.
Iimali-mboleko ezikhethekileyo: Kuxhomekeke ekubeni kutheni ufuna ukuboleka, uhlobo oluthile lomboleko lube lukhetho olungcono kunokuba uthabathe imali kwikhaya lakho. Umzekelo:
- Iimboleko zemali zenzelwe iimfuno zemfundo, kwaye iimali-mboleko zemali zibolekiswe ngabomboleki .
- Imali-mboleko emancinci yezo shishino inokufumaneka ngokuxhaswa kwi-US Small Business Administration (SBA), okubangelwa ukuhlawula amanqanaba aphantsi.
Ukubuyiswa kwemali yemali: Abanini-bendlu abangaphezu kweminyaka engama-62 bangathabatha imali yokufumana umhlala-phantsi okanye iintlawulo zemali ngokusetyenziswa kwemali . Awudingi ukwenza iintlawulo zenyanga, kodwa uya kufuneka uthengise indlu okanye uhlawule umboleko xa umboleki wokugqibela ephuma ekhaya.
Ukufumana imvume
Ubulungisa: Ukusetyenziswa kwemali-mboleko yokunciphisa i-cash out will reduce your equity, ngoko ufuna ukulingana okwaneleyo kwikhaya lakho ukufaneleka. Ngamanye amazwi, ikhaya lakho lifanele lifaneleke ngakumbi kunokuba unetyala lakho. Ababolekisi abaninzi banqikaza ukuboleka ngaphezu kwama-80 ekhulwini kwixabiso lemarike yasekhaya lakho, kodwa iinkqubo ezixhasa inkxaso karhulumente ezifana ne-VA kunye ne- FHA ikuvumela ukuboleka ngaphezulu. Khawukhumbule nje ukuba xa uboleke kakhulu, ukunyuka kweendleko zakho kunye nokuboleka kweendleko kukunyuka.
Ingeniso: Ababoleki kufuneka baqinisekise ukuba unemali eyaneleyo yokufumana iintlawulo zenyanga zenyanga mboleko yakho. Ezi ntlawulo zinokunyuka njengoko uboleka ngaphezulu, ngoko jonga i -ratios yakho yemali-to-income ukuze ubone ukuba uya kuba ngolu hlobo.
Iimboleko: Njengaye nawuphi na umboleko wesikolo, izikolo zakho zemali zibalulekile. Ngamazinga aphantsi kunye neengxaki zamva kwimbali yakho yemali, uza kugqiba ukuhlawula ixabiso lentengo ephakamileyo, enokutshintsha iindleko ezinkulu.
Xa uthabatha imali ekuhlaziyeni, endaweni yokuba uhlaziywe ngokulinganayo kunye ne-balance balance, ababolekisi bathabatha ingozi enkulu. Ngenxa yoko, kunzima ukufumana ilungelo, kwaye iindleko zihlala ziphakamileyo kule mboleko.