Indlela yokuhlawula iNgxowa-mboleko yaseKhaya

Imali yokubolekwa kweMali yokuThengiswa kweNgxowa-mali

Xa amaxabiso omhlaba awela, abanikazi basekhaya bajonge ukuhlaziya imali yokubanjiswa kwemali, kaninzi ngaphandle kokuyeka ukujonga ukuba ukwenza ukulungiswa yinto efanelekileyo okanye ukuba yenza ingqiqo yemali. Ngelishwa, abanikazi bezindlu banokukhangwa kalula ngoma ingoma ye-siren yexabiso elincinci lomhlalaphantsi ; Nangona kunjalo, iirhafu ngokwazo ziyingxenye encinane yomfanekiso omkhulu.

Abahlaziyi be-serial , njengokuba ndiyathanda ukuyibiza, bathathe imali ebolekileyo yokubolekwa kwemali rhoqo xa amaxabiso ehla ikota yekota.

Ndayazi igqwetha eliye lahlaziya ikhaya lakhe ngokuphindwe kasikhombisa kwiminyaka eyisibhozo eyadlulayo. Lo wayengumntu omele ukuba abe yingqiqo kunelo xesha kuba njalo xa ehlaziya, wongezelela enye inqununu ekupheleni komboleko wakhe kwaye wandisa ixesha lokuboleka imali.

Yintoni iRefinance?

Imboleko yemali yokuthenga yintlawulo yemali eyayibolekwa ngumboleki ukuthenga ikhaya. Imboleko yokuhlaziywa ngumboleko omtsha owenziwe ngumbolekayo ukuhlawula umboleko wangaphambili okanye, xa kuthengiswa umgcini-mboleko, umboleko uhlawula umboleko ogqityiweyo wokugqibela. Imali mboleko ehlaziywe ngokuqhelekileyo isesikweni sokuqala; Nangona kunjalo, kunokwenzeka kwakhona ukuhlaziywa kwemali mboleko yemali .

Iintlobo zeNgxowa-mali yokuThengwa kwemali

Ngenxa yokuba ngoku uhlawula kwi -mortgage rate rate , akuthethi ukuba awukwazi ukufumana uhlobo oluthile lwemboleko mboleko xa uhlaziywa. Nangona kunjalo, ngaphambi kokuba ucinge ukutshintshwa kwemali ehlawulweyo yerhafu enye, qiniseka ukuba uyaziqonda ngokupheleleyo imigaqo yomboleko omtsha .

Nazi iindlela eziqhelekileyo zokubolekisa ngemali mboleko ongafuna ukuyiqwalasela :

• Inzala kuphela Imali .
• Ukhetho lwe-ARM Mortgage .
• I-Mortgage-Rate Mortgage .
• FHA Imali .
• Reverse Mortgages .

Ukuxhaswa kweMali yokuThengwa kweMali yeMali

Nangona kunokwenzeka ukufumana imali- mboleko yokuhlawula indleko kwi-mortgage lenderer , khumbula ukuba ababolekisi banomsebenzi wokwenza imali.

Ukuba umboleki-mali engenzi imali ngenzuzo yokuhlawula iindleko eziphambili zokuboleka imali, loo ntlawulo ihlawulwe kwi-mboleko okanye ihlawulwe ngezinga eliphezulu kunexabiso lemarike.

Kukho iibhanki ezimbalwa eziphendukela kwimali-mboleko yangempela ngaphandle kweendleko, kodwa ezo zimbalwa kwaye ziphakathi. Funda ukuprintwa kwakho okulungileyo kwaye uqhathanise nababoleki. Fumana i-GFE, Ukholo Oluhle Lokholo . Ukususela ngoJanuwari 1, 2010, ababolekisi baye bafuneka ukuba baqinisekise ukunyaniseka kwabo. Ukuba ezinye iirhafu zitshintsha ekuvaleni, umboleki-mboleko uyafuneka ukuba ahlawule.

Nazi iindleko enokufuneka uhlawule ngazo:

• Iingxowa zemivuzo .
• Umhlala-mboleko.
• Ukucwangciswa.
• Lawulo.
• Isicelo.
• Uhlolo.
• Ulungiso lweMqulu.
• U vavanyo .
• Ingxelo yeMali .
• Umgaqo Wesihloko .
• I-Escrow Fee.
• Ukugqithiswa .
• Umxhasi weMfuno .
• Notary.
• Umboleko-mboleko.
• Ukuhanjiswa kunye neKharrier.
• I-imeyile yamaDokhumenti.
• INkonzo yeRhafu.
• Ukurekhoda.

Umthengisi uhlawulisa oko kushiywe igama lesiteketiso "imirhumo yemfucuza," oko kuthetha ukuba banokuthintana nobolekayo. Ezi ntlawulo zilungiselelo loxwebhu, ulawulo, ukucwangciswa, isicelo kunye nezinto ezinjalo. Ukuba ucela, umboleki-mali angabahlupha.

Ngaphezulu kwezi ntlawulo, ungayibona into ephawulwe "ihlawulwe ngaphandle kokuvala" kwisitatimende sakho sokuvala esibizwa nge- YSP . Yimali ibhanki ibuyisela umthengisi wemboleko ngokuzisa umnini-mboleko wakho.

Khumbula ukuba ukuba umboleki-mali akazange ahlawule i-YSP kumthengisi, unokufumana inzala emncinci kwimali-mboleko okanye uhlawulwe ngaphantsi kwamaphuzu. Ngethuba ufumanisa oku, mhlawumbi uvala umboleko . Ngoko, cela kuqala.

Imiba yeeRefinances

• Iindleko. Ukuba uhlawula iimali zokufumana imali mboleko, kukubiza imali ukuze ufumane imali mboleko, onokuthi ungayifaki i-interest interest rate for a number of years. Ukuze ufunde oku, fakela zonke iifizi. Bonisa ummahluko phakathi kwentlawulo yakho yangaphambili yemali kunye nentlawulo yakho entsha . Hlukanisa umahluko kwiimali zokubolekwa kwemali-mboleko, okuya kulingana nenani leenyanga omele uhlawule ngalo mboleko yakho entsha ukuze uphule.

  Ukuba imali yakho yemali mboleko i-$ 4,000, umzekelo, kunye nokugcinwa kwenyanga kuya kuba ngu-100 yenyanga ngenyanga, kuya kuthatha iinyanga ezingama-40 ukuba udibanise nakwi-refinance.

• Ixesha elide lokubuyisela . Nangona unakho ukhetho lokunciphisa ixesha lakho lokubuyisela imali , unganakho ukufaneleka ukuhlawulwa kwentlawulo kwaye ungayifuni ukuhlawula inyanga nganye ukuba uhlawule imali ngokukhawuleza. Ababhoda ngokubanzi banweba ixesha le mboleko. Ukuba uhlaziya umboleko ngeminyaka engama-25 esele ubolekwe ngemali emithathu yeminyaka engama-30, uguqule okokuqala kwakuyimali-mboleko yeminyaka engama-30 kumboleko weminyaka engama-35.
• Inkcitho enkulu. Ngokuqhawula iindleko zemboleko yakho kwimali mboleko, uthabatha imali enkulu . I-mortgage ekhudlwana idla kude kwindawo yakho yokulingana . Ngaphezu koko, ukuba uthabatha imali, ebizwa ngokuba yi-cash-out exinance, ibhalansi yakho mboleko iya kwandiswa.

  Abanye abbolekayo bathabatha imali kwi-refinance yokuhlawula iindleko ezenziwe ngokuthenga okungaphephile. Ukuba uthenge ifenitshala, umzekelo, kwaye uhlawula ivenkile yefenitshala, sele uhlawula iifenitshala ngeminyaka engama-30, enokubakho ubomi obuncedo obulishumi.

  Ukuhlawula amakhadi esikweleti angakhuseliyo akuphelisa ityala lamanje kodwa kuphela xa ungalisebenzisi kwakhona amakhadi. Cinga ukusika amakhadi akho ukuba uye wakwazi ukuzifumana kude kube ngetyala lakho kuphela ukuba uhlaziye uphahla phezu kwentloko yakho.

IiNzuzo zeRefance

• Ngaphantsi kwenyanga yentlawulo. Ukuba uceba ukuhlala ekhayeni elide ngokwaneleyo ukuba uphule ngisho neendleko zokuhlaziywa, inzala engaphantsi kwintlawulo kunye nentlawulo iya kubangela ukuhamba kwemali enkulu ngenyanga.
• Ukunciphisa ixesha lokumisa . Ukuba umdla wakho ophantsi ungaphantsi kwezinga lakho langaphambilini, unokufuna ukucubungula ixesha lokubolekisa ngemali mboleko ngokutshintshela imali ephezulu yokuhlawula imali . Ngaphambi kokuba wenze oku, qwa lasela ukuba unako ukutyalombela inxalenye eyintloko yecandelo elongezelelweyo kwenye indawo ukwenzela ukuba kubekho izinga lokubuya.
• Ikheshi ngesandla. Abaninzi bathola imali ukutyalomali kwizinga eliphezulu lokubuyela kunomlinganiselo omtsha wenzala.

_{Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.}