Iingcebiso zokwakha ubulungisa obuya kunandisa ixabiso lakho
Nantsi umzekelo ogqithiseleyo: Ixabiso lexabiso lemarike lakho kwikhaya lakho li-$ 200,000 kwaye unetyala le-150,000 kwi-mortgage.
Ubulungisa bakho buyi $ 50,000.
Inkcazo ye-Equity Bank
Ukulingana kwamanani okuhlukileyo kuyahluke ngokulinganayo. Ukulingana kwexabiso elilinganayo kukulingana ngokuthe ngqo kweendleko zokuthengisa ikhaya. Ezi ndleko zingabandakanywa ikhomishini ye-realtor, irhafu yentlawulo engahlawulwa, kunye nezinto kwiindleko zokuvala ongazange udlulele kumthengi wendlu.
Umzekelo: Ikhaya lakho lithengisa i-$ 200,000 kunye ne-mortgage yakho ekhayeni yayingu-150,000. Ubulungisa bakho buyi $ 50,000. Nangona kunjalo, unako ukuhlawulisa i-$ 12,000 kwi-Realtor yakho. Ezinye iindleko zokuvala ezifana neentlawulo zokuhlawula, iintlawulo zerhafu kunye nokukhutshwa kwentela, njl., Ungeze enye i-$ 3,000 kwiindleko ezihlawulelwayo. Ukulingana kwamatyala akho nge-$ 35,000. Ukulingana kwemali yimalini ozakuyibeka ephakamileyo ekuthengiseni.
I-Home Equity Yakha njani?
Abanikazi bezindlu bangakha ukulingana kwezindlu ngeendlela ezahlukeneyo:
- Inkokhelo ephantsi: Imali oyifakayo ekhaya eyanciphisa i-mortgage yokuqala. Ngokomzekelo, iipesenti ezingama-20 phantsi kwentlawulo kwikhaya elixabisa i-$ 100,000 i $ 20,000. Uya kuqala nge-equity of $ 20,000 kwaye ugweme imfuneko yokuhlawula i- inshurensi yokubolekwa kwemali . Imali yakho yokuthenga imali iya kuba yi-$ 80,000 eyisele.
- Iintlawulo zemboleko: Ngentlawulo nganye yokubolekwa kwemali, uyakha ubulungisa ngokuhlawula inqununu, ngelixa uhlawula umdla kwimali mboleko kunye nayiphi na inshurensi kunye nentlawulo yerhafu oyifakayo kuyo. Ubulungisa bakho buyanda njengoko wenza imali yokuthenga imali .
Inkokhelo eyongezelelweyo kwinqununu yokubambisa imali: Unokwenza iintlawulo ezongezelelweyo kwi-mortgage yakho ukufaka isicelo kwinqununu. Oku kwandisa ubulungisa bakho.
Uphuculo lwasekhaya: Ukuba wenza uphuculo lwekhaya oluphakamisa ixabiso lemarike elifanelekileyo kwikhaya lakho, oku kwandisa ubulungisa bakho. Ngokomzekelo, uchitha i-$ 50,000 kwi-remodel yekhitshi eyandisa inani lemarike ngama-30,000. Ngoku uye wakhulisa ukulingana kwakho nge $ 30,000, ucinga ukuba awuzange uthathe imali mboleko yemali ukuyihlawula. Oku kukunyuka kokulingana. Uya kukwazi kuphela ukuba kwande kangakanani inani lekhaya lakho xa uthengisa.
Ukuxabisa kwexabiso leMarike: Ixabiso lemarike elifanelekileyo lekhaya lakho lingavuka ngenxa yokuba izindlu ezifana nale ndawo zithengisa imali. Umboleki-mali angakulungela ukuhlaziya imali yakho yokuthenga ngemali ephezulu. Ngokomzekelo, uthenge ikhaya lakho nge $ 100,000 kunye neepesenti ezingama-20 phantsi kwentlawulo. Kwiminyaka emibili edlulileyo, amakhaya afanayo athengisa i-$ 120,000. Ubulungisa bakho ekhaya lukhuphuke ngamawaka angama-20,000 ngenxa yokukhuphuka. Oku kucinga ngoku. Kumele uthengise ikhaya ukuze uqaphele okulinganayo.
I-Home Equity iyanciphisa njani?
Unokubona kwakhona ukulingana kwekhaya lakho. Asiyidingi ukujonga emva koko ukuba sibone ukuba oko kwenzeka ntoni, thabatha iminyaka ka-2006 ukuya ngo-2011 malunga naliphi na iimarike zendawo yokuhlala kweli lizwe, kwaye ixabiso lawa. Xa ixabiso lezindlu liwa, ubulungisa buwela ngqo kunye nalo.
Nazi iindlela ezimbalwa onokunciphisa ukulingana kwakho:
- Ukwandisa iimali-mboleko eziyinhloko ekhaya : Ukuba uhlaziya imali yakho yokuthenga imali , thabatha i-mortgage yesibini okanye i-loan equity loan, unganciphisa ukulingana kwakho.
- Ukuwa kwexabiso lemarike : Ukuba amakhaya athengisa ngaphantsi kwendawo yakho, ukulingana kwakho kuyawa. Oku kwenzekayo xa uphantsi kwamanzi kwi-mortgage yakho . Ngokomzekelo, uthenge i-$ 200,000 ngee-20 zeepesenti ezilinganayo, ulingana ne-$ 40,000. Kodwa imakethi yendawo yokuhlala yawa, kwaye ngoku amakhaya afanayo athengisa i-$ 150,000. Ukulingana kwakho kuye kwawa ngama-50,000, kwaye awunakho ukulingana ekhaya lakho. Ukuba uthengisa i-$ 150,000, uza kufuneka uhlawule umboleko wemali-mboleko eyi-$ 10,000 ukuze wenze umehluko.
- Ikhaya lakho liyashisa , kwaye awunayo i-inshurensi eyaneleyo yokuhlawula ilahleko lakho.
- Ukugcinwa okucetywayo. Ukuba awuqhubeki ukulungiswa ekhaya lakho izinto zihla okanye ziyeka ukusebenza ngokuchanekileyo, indleko zokunyanga ziza kudla kwindawo yakho yokulingana.
Umgca wecala kukuba uwazi kuphela ubulungisa ekhaya lakho ekupheleni kokuthengiswa. Kuze kube yile ngongoma, yonke into iyaxhomekeka. Ukuba unokuthi uxoxisane nexabiso elithengisayo elithengayo kumthengi, uya kwandisa ubulungisa ohlawulwayo. Ngokwahlukileyo, ukuba awuyi kuhlawula ukulungiswa njengoko uceliwe ngumthengi okanye unike umthengi ngetyala lokuvala iindleko, ukulingana kwakho kuya kuphakama.