Uya Kufuna Ubulungisa Ekhaya Wakho Ukuthabatha i-SecondMortgage
Umbuzo: njani kwaye sifumana phi i-mortgage yesibini?
Umfundi uyabuza: "Mna mna nomkami sasicinga ukuba sithenge indlu enkulu. Umkhwe wam unxusa ukuba sizuze indlu yesibini kunye nokongeza umgangatho wesibini kwikhaya lethu elikhoyo. I-mortgage engeyesibili kwakhona. Sifumana njani imali yesibini?
Impendulo: Ngaphambi kwexesha leminyaka ekupheleni kwee-1990 nakwiminyaka yokuqala yama-2000, phantse nawuphi na umntu unokufumana imali yesibini.
Abaninzi bee-homebuyers bafumana i-mortgage yesibini ukuze bancede bathenge amakhaya. Ngokuqhelekileyo ezi ziboleko ze-piggyback , ezinama-80 ekhulwini lokuqala kunye nepesenti ezingama-20 zesikolo. Yiyiphi indlela yokuxhasa ngemali eyi-100%.
Ezi ntlobo zemboleko zimbalwa kwaye ziphakathi kakhulu namhlanje. Kodwa akuthethi ukuba umninikhaya akanako ukufumana imali yesibini . Nangona kunjalo, abaninzi ababolekisi bafuna ukubona ukuba ikhaya lilinganayo ngaphambi kokuba baqwalasele ukuvumela umnini-mali ukuba athathe imali yesibini. Ngaphambi kokuba kuqhutywe imarike yezindlu ngo-2008, umntu obolekayo angafumana i-mortgage yesibini ukuya kuma-100 ekhulwini lexabiso lemarike yasekhaya, ngamanye amaxesha ngaphezulu kwelo. Namhlanje, iibhanki zifuna ukhuseleko olubonakalayo, zifundwa kwaye zixhaswa ngokulingana okuqinileyo , ngenxa yezi mboleko.
Yintoni iMboleko yesiBini?
Imali yesibini yokubolekwa kwemali ingumntu ophezulu kwisithuba sokuqala. Esikhundleni sokuhlaziya i- mortgage yokuqala ngokuyifakela ngemali ephezulu yokuboleka imali , umntu obolekayo unokukhetha ukuthatha i-second mortgage.
Xa iindleko zakho ukufumana imali yesibini yokuboleka imali isekelwe kwimali ebolekeweyo, iindleko ezihambelana nomboleko ziphantsi.
Qaphela ukuba imali yesibini yokuthenga imali ingaba yinto ephezulu yokuboleka imali ngaphandle kwe-mortgage yokuqala. Akukho mfuneko yokuba inani elitsha lomboleko-mboleko lincinci kunelokuqala.
Abathengi abaninzi basekela ubukhulu bekhredithi yabo yesibini kwizinga lomyinge kunye nemali yentlawulo. Intlawulo encinci ithetha ukuba iindleko zokuvala eziphantsi, ezihlala ziyamkelekile.
Ukucacisa bhetele, makhe sibone isampuli yesibini yokuthenga.
Yithi ikhaya lakho lifanele u-$ 200,000. Unetyala elingama-120 000 kwi-mortgage yakho yokuqala. Ibhanki ingasebenzisa ulawulo lweepesenti ezingama-80 ukuxhasa imali engama-80 e-200,000, okanye i-160 000 yeeRandi, ukuba izikolo zakho zesikweletu zilungile.
Emva kokukhipha imali yakho yokuqala ye-$ 120,000, unokukwazi ukuboleka u-R40 000 kwi-mortgage yesibili ngelixa uqhubeka ugcina ukhuseleko lwe-20%. I-mortgage yesibini ibhalwa kwiirekhodi zoluntu kwaye iba yintsebenziswano nekhaya lakho. Ukuba awuwenzi iintlawulo, i-bhanki inika ibhanki ilungelo lokusemthethweni lokubamba ikhaya lakho kwi-foreclosure.
Izizathu zokufumana iNgxowa-mali yesiBini
Isabelo somyinge kunye neshedyuli yokubuyisela inokuthi ibe yinto efanelekileyo kwi-mortgage yesibini kunokuba uphinde uhlalutye imali yakho yokuqala yokuboleka imali kwi-mboleko enkulu . Ngokomzekelo, ukuba imali yakho ye-120,000 yemali ehlawulwayo ihlawulwa kwi-interest rate ye- 6.5, inzuzo yesibini ingabakho kwizinga elincinane , mhlawumbi ama-5 ekhulwini okanye ngaphantsi, kuxhomekeke kwiinguqu zentengiso.
Ngaphezu koko, iindleko zokufumana umboleko wemali oyi-$ 40,000 ingaba encinci kakhulu xa kuthelekiswa neendleko zokufumana umboleko we $ 160,000.
Ezinye ii-mortgages zesekondari azihlawulanga nayiphi na imali ebolekayo ngaphambili-kungabikho iindleko zokuvala . Ngokomzekelo, iindleko ezininzi zokuvala zihamba malunga ne-3% yemali yokuthenga. Ipesenti ezintathu ze-40,000 zamaRandi zi-$ 1,200 kuphela, xa kuthelekiswa neepesenti ezintathu ze-160,000 zamaRandi, eyi-$ 4,800.
Yintoni Ongayenza Ngayo Imali Ukusuka Kwemali Yesibili?
Umboleki uya kubuza ukuba kutheni ufuna i-mortgage yesibini kwisicelo sakho semboleko . Unokucinga ukuba ayikho yoshishino lomboleki, kodwa ababolekisi abavumelani nawe. Nazi izizathu ezibangelwa ngumboleki-mali:
- Ukulungiswa kwekhaya okanye izongezo
- Uphuculo lwasekhaya
- LeMfundo
- Ngonyango okhuseleko
- Utyalo-mali
- Ukunyamekela abaxhomekeke kuyo
- Ukudibanisa amatyala, ukuba kunengqiqo
- Zothutho
- Bhanqa uxanduva lokubambisana
Ababoleki banqwenela ukungabonakali iimali-mboleko zokunciphisa ixabiso. Buza umnini-mboleko wakho malunga neemfuno ezizodwa zokuchitha imali ngaphambi kokufaka isicelo sokuthenga imali yesibini.
Kwakhona gcinani engqondweni ukuba uMthetho weCandelo loNgeniso lweRhafu kunye neMisebenzi ka-2017 lisavumela ukutsalwa komdla kwi-mortgage yesibili enikezelwe ngemali-mboleko yokuthenga, ukwakha okanye ukuphucula ikhaya.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.