Ukuguqulwa kweeNgxowa-mali zeNgxowa-mali
Abaninzi abahlala phantsi banokulingana okukhulu emakhaya abo. Ubulungisa bekhaya ngumhlaba onokuthi ungasetyenziselwa ukuphucula amathuba okuthatha umhlalaphantsi okanye indlela yokuphila.
Phantse ama-65% abantu abangama-65 okanye ngaphezulu bangabikho-mboleko. Kukho iindlela ezahlukeneyo zokungena kwi-equity ekhaya. Imboleko yokubuyisela ingenye yezo ndlela, kodwa kukho inzuzo kunye neengxaki kwi-home equity conversion mortgage (HECM).
Ukusebenzisa iMboleko yokuThengisa ukuThengisa iKhaya
Enye into enokusetyenziswa kwemali yokubolekwa kwemali engenakusasazwayo kwaphela kwaze kwaba yilapho iquka ukusetyenziswa kwemali yokuthenga imali yokuthenga indlu. Oku kuya kunceda abahlala kumhlala-phantsi befuna indlela efanelekileyo yokunciphisa iindleko zabo zezindlu, bafumane ikhaya elifanelekileyo le nkathi yobomi, okanye bathuthele kwindawo ehlala kuyo.
Yintoni iMali yokuThengisa iMali?
Imali yokuboleka imali (okanye i-Equity Equity Conversion Mortgage) yinto yokuboleka imali evumela ukuba abanini bezindlu babolekise ubulungisa kwiindawo zabo zokuhlala eziphambili. Ababoleki kufuneka babe ngaba-62 okanye ngaphezulu ukuze bafaneleke kwaye akukho ntlawulo yokubolekwa kwemali efunekayo kude kube yilapho ikhaya lidayiswa okanye umbolekayo efa okanye ephuma ekhaya.
Isixa onokubolekeka kuxhomekeke kwiminyaka yobudala bomboleki kunye / okanye iqabane lakho, ixabiso lentlawulo ekhoyo, ixabiso lekhaya elisekelwe kwiphononongo, kunye ne-premium mortgage yarnisomali.
Ngokungafani nemithwalo yempahla yemveli, akukho ntlawulo zenyanga ezifunekayo kunye ne-mortgage reverse. Inzala iqokelela kwaye kufuneka ibuyiselwe kunye nesixa-mali sokuqala esibolekekile xa indlu ithengiswa, umntu obolekayo uyafa, okanye uhamba ngeenyanga ezili-12 okanye ngaphezulu.
Ukusebenzisa iMboleko yokuThengisa ukuThengisa iPropati
Ukubuyiswa kwemali yemali yesigqirha sele isetyenziselwa ukusekela ngokusemgangathweni umhlalaphantsi ukuhlala emakhaya abo njengoko bekhula kunye nokuphucula imali yabo. Imali yokuTshintshwa kweeNgxowa-mali zeNdlu yokuThengwa kweeNgxowa-mboleko inikezela umbolekekisi ngezinga elimiselweyo, umboleko wesixa-mali esetyenziselwa ukuthengwa kwekhaya. Ukuhlawulwa kweentlawulo kuyadingeka kwaye ngenxa yoko kuyimfuneko ukuba uhlawule malunga nesiqingatha sexabiso lekhaya usebenzisa imali yakho kunye nokonga. Inkokhelo ephantsi ingakwazi ukuza kwifom yesipho esivela kubahlobo kunye nosapho. Awunayo ipropati ekhoyo okanye uthengise ikhaya lakho elikhona ukuze ufaneleke. Kodwa ikhaya othengayo ngokusebenzisa i-HECM yokuThengwa kufuneka libe yindawo yokuhlala yokuqala.
Ababoleki kufuneka bahlangabezane nale mfuno elandelayo ukwenzela ukuba bafanelekele ukuguqulwa kweeNkxaso-mali zaseKhaya ekuThengeni:
- Ubuncinci obudala ukufumana imfanelo ngu-62.
- Ikhaya kufuneka libe yindawo yokuhlala yokuqala.
- Kufuneka uqhubeke nokuhlawula irhafu yepropati, i-inshorensi, ii-HOA, okanye nayiphi na iindleko zokugcina impahla.
- Akufanele ube naliphi na iimbopheleleko zetyala
Iingozi kunye neNzuzo
Ngokungafani nemikhiqizo yempahla yemveli ayikho imali ehlawulwa yenyanga efunekayo kunye ne-mortgage reverse. Oku kuvumela ukuba kunokwenzeka ukuthenga indlu ngaphandle kokufuna ukonga imali yomhlala-phantsi ukwenzela ukuhlawula rhoqo ngenyanga.
Ikwabonelela ngamathuba omhlala phantsi okanye abahlala ngaphambi kokuthatha umhlalaphantsi ithuba lokuthenga ikhaya elinokuthi libe kwindawo elithandekayo yomhlalaphantsi okanye ihambelane kangcono neemfuno zabo eziguqukayo ngaphandle kokulahlekelwa amandla okuthenga yonke iqanda lokuthatha umhlalaphantsi.
Enye yezona zimbonakalo ezinkulu zeemali zokuhlala zangaphambili eziqhelekileyo zixhomekeke kwiindleko. Omnye umngcipheko onobungozi kukuba umnqweno uya kudla ekudleni. Ukuhlala ixesha elide kwaye uhlale kwipropati enkulu amathuba okulingana kwakho anganciphisa okanye aphele. Enye ukwesaba ukuba ulahlekelwe yindlu okanye intsapho yakho ayiyi kukwazi ukuthatha ipropathi xa usudlulile. Abahlala kwiingxowa-mali ngokukhathazeka kwemali ekugqibeleni bayakufumanisa ukuba iirhafu zepropati, i-inshurensi nezinye iindleko zinokuba nzima ukuzigcina.