Ukubuyiswa kwemali yeekhredithi kubangelwa ngabanini bezindlu
I siseko
Njengomhlala-mboleko osemgangathweni, i-mortgage mortgage isebenzisa ikhaya lakho njengesiqwenga .
Nangona kunjalo, le mboleko ihlukile kwiindlela ezimbalwa, ekhokelela kwingxenye "yehla" yegama. Okokuqala, ufumana imali esikhundleni sokuhlawula imali kumboleki wakho ngenyanga. Okwesibini, inani lemali mboleko yakho likhula ngaphezu kwexesha, ngokuchasene nokuhla kwehla ngenyanga
Le ngcamango isebenza ngokufana nesibini semali yokubolekwa kwemali okanye yemali mboleko yemali. Nangona kunjalo, ukubuyiswa kwemali mboleko kufumaneka kuphela kubanikazi bezindlu abaneminyaka engama-62 nangaphezulu, kwaye ngokuqhelekileyo akudingeki ukuba ubuyisele le mboleko kuze kube yilapho usuka endlwini yakho.
Ukutshintshwa kwemali-mboleko kunokunika imali nayiphi na into oyifunayo, ukusuka kwingeniso eyongezelelweyo yomhlalaphantsi kwimali yeprojekthi enkulu yokuphucula ikhaya. Ngethuba nje udibana neemfuno (jonga ngezantsi), ungasebenzisa imali ukuze ungeze ezinye iimithombo zengeniso okanye nayiphi na imali oyilondolozile. Nangona kunjalo, musa nje ukuzithela kwi-prospect of money easy; le mboleko iyinkimbinkimbi , kwaye iyanciphisa impahla kwiindlalifa zakho.
Nangona kukho imithombo emininzi yee-mortgage ezikhoyo, enye yeendlela ezikhethileyo yi-Home Equity Conversion Mortgage (HECM) efumaneka kwi- Federal Housing Administration . I-HECM ngokuqhelekileyo iyabiza kakhulu kubaboleki ngenxa yokuxhasa uorhulumente, kunye nemithetho yale mboleko yenza ukuba babone umthengi.
Unokufumana Uninzi Kangakanani?
Isixa semali oyifumanayo sincike kwizinto eziliqela kwaye kusekelwe ekubaleni okwenza ukucinga okuthile malunga nokuba umboleko uza kuhlala ixesha elingakanani.
Ubulungisa: Ubungakanani obunakho kwikhaya lakho, ngaphezulu ongayifumana. Kubaninzi abakbolekayo, kulungile ukuba uhlawula umbolekisi wakho kwiminyaka emininzi kwaye imali yakho yokubolekwa imali ihlawulwe ngokupheleleyo.
Inzala yomyinge: Ixabiso lentlawulo elincinci lithetha ukuba ininzi yemali mboleko yakho iya kuwe njengeniso ngenzuzo yokubambisa iintlawulo zenzalo.
Ubudala: Ubuncinane bomboleki omncinci kumbolekisi buchaphazela nokuba uninzi kangakanani, kwaye ababolekayo abadala bangathatha ngaphezulu. Ukuba ulingelwa ukuba ungabandakanyi umntu omncinci ukuba afumane imali ephezulu, qaphela ukuba umlingane omncinane uza kufuneka aphume ngaphandle kokufa komntu omdala obolekayo ukuba umntu omncinci akafakiwe kwimboleko.
Indlela yokufumana iintlawulo zemiboleko
Ukukhetha kwakho indlela yokufumana imali kubalulekile. Unokukhetha kwiinketho ezininzi zokuhlawula.
Isamba sentlawulo: Ikhetho elilula kukuthatha yonke imali kanye. Ngolu khetho, umboleko wakho unomyinge onomdla , kwaye ibhalansi yakho yemalimboleko ikhula ngokugqithiseleyo kwexesha njengemali eyongeziweyo.
Iintlawulo zexesha eliqhelekileyo: Unokukhetha ukwamkela iintlawulo rhoqo-ngenyanga, umzekelo.
Ezi ntlawulo zinokuhlala ubomi bakho bonke, okanye ixesha elimiselweyo, elifana neminyaka eyi-10. Ukuba imali yakho mboleko ihlawulwa ngenxa yokuba bonke ababolekayo baye baphuma endlwini, iintlawulo ziphela. Ngeentlawulo zokuphila, kunokwenzeka ukuba uthathe ngaphezu kwakho kunye nomboleki wakho kulindeleke ukuba uhlala ubomi obude.
Umgca wekhredithi: Endaweni yokuthatha imali ngokukhawuleza, unokukhetha umgca wesikweletu , okukuvumela ukuba udwebe iimali ukuba kwaye xa ufuna. Inzuzo yale ndlela kukuba uhlawula umyinge kwimali oyiboleke yona, kwaye umgca wakho wekhredithi unokukwazi ukukhula ngaphezu kwexesha.
Inhlanganisela: Ayikwazi ukugqiba? Ungasebenzisa ukudibanisa iinkqubo ezingentla. Umzekelo, ungathatha isantya esincinci phambi kwaye ugcine umgca wekhredithi kamva.
Ukufumana uqikelelo lobungakanani obungayifumana, zama i-Calculator Association of Reverse Mortgage Lenders Association.
Nangona kunjalo, izinga langempela kunye neerhafu ezihlawulwe ngumboleki wakho ziyahluka kwiingcinga ezisetyenzisiweyo.
Ukuhlawula iindleko zoMboleko
Njengaye nawuphi na umboleko wesikolo, uya kuhlawula umrhumo kunye neentlawulo zokufumana imali yokuboleka imali. Ngokomlando, iifizi ziye zaphawula ngokuphakamileyo, kodwa ngeemali zokuncintisana ngaphezulu ziye zaphucuka ngandlela-thile. Sekunjalo, kufuneka uqaphele iindleko uze uqhathanise izibonelelo ezivela kubalimi abaninzi.
Iimali zihlala zixhaswa ngemali, okanye zakhiwe kwimboleko yakho. Ngamanye amagama, awubhali isheke ukwenzela ukuba ungayiva loo ndleko, kodwa usabakhokhela, kunye nomdla.
Iimali zinciphisa inani lokulingana elishiye ekhaya lakho, elishiya ngaphantsi kwefa lakho okanye kuwe xa uthengisa ikhaya uze uhlawule umboleko. Ukuba unayo imali, kuya kuba bubulumko ukuhlawula iifowuni ngaphandle kwekhokhelo kwimali ezayo kwiminyaka ezayo.
Iindleko zokuvala: Uza kuhlawula ezinye iindleko zokuvala ezifanayo ezifunekayo zokuthenga ikhaya okanye ukuhlaziywa. Umzekelo, uzakufuna i-appraisal, uya kufuna amaxwebhu afakwe, kwaye umboleki wakho uya kuhlaziya i-credit yakho. Ezinye zeendleko ezi ngaphaya kolawulo lwakho kodwa ezinye zilawulwa kwaye zifaniswe. Ngokomzekelo, iifizi zothutho zisuka kumboleki kumbolekisi, kodwa iofisi yakho yokurekhoda yenkampani ihlawulisa enye into enoba yintoni oyisebenzisayo.
Imirhumo yokukhonza: Unokufumana ukutshitshiswa kwezitika xa ubona inani lemirhumo edla kwingeniso yakho yenyanga kwimali yokuboleka imali. Kukho imida emininzi kwiimali ze-HECM, kodwa kusekufuneka uthengise ngeenxa zonke kumthengisi-mali ophantsi.
Ii- premiums zomshuwalense: Ngenxa yokuba ii-HECM zixhaswa yi-FHA, eyanciphisa umngcipheko kumboleki wakho, uhlawula i-premium kwi-FHA. I-premium yakho ye-inshurensi yokuqala ye-mortgage (MIP) iphakathi kwe-0.5 yeepesenti kunye ne-2.5 ekhulwini, kwaye uya kuhlawula umrhumo wonyaka we-1.25 pesenti yemali-mboleko yakho.
Inzala: Uya kuhlawula inzala kuyo nayiphi na imali oyithathileyo ngemali yokuthenga.
Ukubuyisela iMboleko
Awuyi kuhlawula intlawulo nganye ngenyanga. Esikhundleni salokho, ibhalansi yemboleko efunekayo xa umboleki ehamba ngokusisigxina ekhaya, ngokuqhelekileyo ekufeni okanye xa indlu ithengisa. Nangona kunjalo, uthatha ityala elifuneka libuyiselwe, awuqapheli.
Ityala lakho lilonke liya kuba semali enokuyithatha imali kunye nomdla kwimali oyiboleke . Kwiimeko ezininzi, ityala lakho likhula ngaphezu kwexesha ngenxa yokuba uboleka imali kwaye ungenzi naliphi na intlawulo, kwaye unokuba uboleke ngaphezu kwenyanga nganye.
Xa umboleko wakho ufika ngokufanelekileyo, kufuneka uhlawulwe. Imboleko ngokuqhelekileyo ifanelekileyo xa bonke ababoleki "behlala ngokusisigxina" baphuma. Nangona kunjalo, ukubuyiswa kwemali ye-mortgages nayo iya kuhlawulwa xa ungaphumeleli ukuhlangabezana nemimiselo yesivumelwano sakho ukuba awuhlawuli irhafu yakho yepropati, umzekelo.
Uninzi lweemali ezihlawulwayo zihlawulwa ngokuthengiswa kwekhaya. Ngokomzekelo, emva kokufa kwakho, ikhaya liya kwiimarike, kwaye ifa lakho lifumana imali engasetyenziselwa ukuhlawula imali. Ukuba unquma ukuhamba kwaye ufumene unetyala elingaphantsi kwipropati ehamba phambili ngaphandle kokuba uthengise indlu, ufanele ugcine umehluko.
Ukuba unetyala elingaphezulu kunokuba uthengise indlu, akudingeki uhlawule u-HECM; ngamanye amagama, "uyaphumelela." Amanqaku amaninzi abuyele kwimali-mboleko enesigatshana esingavumeli ibhalansi yemboleko ukuba idlule ixabiso lentengo yekhaya, nangona ukunyuka kweemarike kusenokubangela ukulingana okuncinane kunokuba uthabathe imali.
Kwezinye iimeko, izindlalifa zakho ziya kugqiba ukugcina ikhaya. Kuloo matyala, inani elibolekileyo lemali-mboleko lifanelekile, nangona ukuba ibhalansi yemboleko iphezulu kunexabiso lekhaya. Iindlalifa zakho ziza kufuneka zivelwe umahluko xa zifuna ukugcina indlu kwintsapho.
Iimfuneko zokufumana iMboleko
Ukufumana imali yokuboleka imali, kufuneka udibane nemigqaliselo ethile.
Imithetho ebalulekileyo:
- Ikhaya lakho leendawo zokuhlala eziphambili. Awukwazi ukusebenzisa indawo yokurenta, umzekelo.
- Ubuncinane ubuneminyaka engama-62 ubudala.
- Awuyikunyanzelisa nayiphi na ityala elifunekayo kurhulumente wephondo.
Ukulingana okwaneleyo: Njengoko uthabatha imali ngaphandle kwendlu yakho, udinga inani elinganayo lokulinganisa ekhaya. Akukho mboleko-kuya-xabiso yokubala njengokuba uza kuba ne-"phambili".
Iindleko eziqhubekayo: Kufuneka ube nekhono lokuqhubeka nokuhlawula iindleko eziqhubekayo ezihambelana nekhaya lakho. Uzakufuna ukubonakalisa kumbolekisi onokukwazi ukugcina neendleko. Oku kuqinisekisa ukuba ipropati igcina ixabiso layo kwaye ugcina ubunini bepropati. Ngokomzekelo, kuya kufuneka uqhubeke nokugcinwa kwintlawulo, iirhafu zepropati kunye neeprojeyam zabaninimzi.
Ingeniso: Awuyidingi ingeniso ukuze ufaneleke ukuthenga imali engenayo ngenxa yokuba awufuneki ukuba wenze iintlawulo zemboleko.
Ukucebisa: Ngaphambi kokuba i-HECM ixhaswe ngemali, kufuneka ube khona "kwiseshoni yenkcazelo yabathengi" kunye nomcebisi we-HEC-ovunyiweyo we-HECM. Oku kukuqinisekisa ukuba ababolekayo baqonda indleko nganye kunye nemiphumo yokuthatha lolu hlobo lomboleko. Abacebisi basebenzela inhlangano yokuzimela, ngoko kufuneka banikele ngolwazi olungenamkhethe malunga nemveliso.
Imali yokuqala yokubolekwa kwemali: Ukuba usenayo imali kwikhaya lakho, usenokufumana imali yokuthenga imali. Abanye abantu bathatha imali yokubuyisela imali ukuze baqhewule iintlawulo zenyanga zenyanga, ngokukhupha imali yokubolekwa kwemali mboleko ngokumalunga neentlawulo zabo ezikhoyo.
Nangona kunjalo, i-mortgage mortgage iya kufuneka ibe yi- lien yokuqala kwindawo leyo . Kwabaninzi ababolekayo, oko kuthetha ukuhlawula imali yakho yokubambisa imali kunye nenxalenye yakho yokuboleka imali. Oku kulula kakhulu ukuba unama-50 ekhulwini alinganayo kwikhaya lakho okanye ngaphezulu.