11/15/2023

Xa uphonononga umba wokukhutshwa kwemali kwakhona, ukuqonda ingqikelelo ye "cash-out seasoning" kunye neemfuno ezinxulumene nayo iba yeyona nto ibalulekileyo.Esi sikhokelo sijolise ekuchazeni ubucukubhede bokuphuma kwemali, ukuphonononga inkcazo yayo, ukubaluleka, kunye neemfuno eziphambili ezibekwa ngababolekisi.

Ukuchaza iCash-Out Seasoning

I-Cash-out seasoning ibhekiselele kwixesha ekufuneka umninimzi alilindile phakathi kokuthenga ikhaya lokuqala okanye uhlaziyo lwemali kunye ne-cash-out refinance elandelayo.Eli xesha lokulinda linyathelo lokunciphisa umngcipheko kubabolekisi, ukuqinisekisa ukuba umboleki unembali yentlawulo ezinzileyo kunye nokulingana okwaneleyo ngaphambi kokufikelela kwiimali ezongezelelweyo.

Ukubaluleka kweCash-Out Seasoning

Ixesha lokukhupha imali lisebenzisa iinjongo ezininzi, kubandakanywa:

1. Ukunciphisa uMngcipheko: Ababolekisi-mali basebenzisa iimfuno zesinongo ukunciphisa umngcipheko onxulumene nokuphuma kwemali.Ixesha lokulinda libavumela ukuba bahlole indlela yokubuyisela umboleki kunye nokuzinza kwexabiso lepropathi.
2. Isiqinisekiso soBulungisa: Amaxesha okulinda anceda ekuqinisekiseni ukuba ipropati ixatyiswe ngexabiso, kwaye lowo ubolekayo wenze i-equity eyaneleyo.Oku kuqinisekisa umlinganiselo okhuselekileyo wemali-mboleko-kwixabiso.
3. UVavanyo lweMbali yeNtlawulo: Ababolekisi basebenzisa ixesha lokuphonononga imbali yentlawulo yomboleki.Iintlawulo ezingaguquguqukiyo nezifike ngexesha ziphakamisa ukukufanelekela ukuboleka ityala.

IiMfuno zexesha leCash-Out: Imiba ephambili

1. Uhlobo lweMali-mboleko

Uhlobo lwemali-mboleko umboleki-mali alunikezelayo ludlala indima ebalulekileyo.Kwimali-mboleko yesiqhelo, imfuno eqhelekileyo yesinongo ziinyanga ezintandathu, ngelixa imali mboleko ye-FHA ihlala inexesha leenyanga ezili-12.

2. Amanqaku etyala

Ababoleki abanamanqaku aphezulu etyala banokuba phantsi kwamaxesha amafutshane, njengoko ukufaneleka kwabo kwityala sele kumiselwe.

3. Isimo sokuhlala

Ubume bendawo yokuhlala - nokuba yindawo yokuhlala ephambili, ikhaya lesibini, okanye ipropathi yotyalo-mali - inokuchaphazela iimfuno zexesha lonyaka.Iindawo zokuhlala eziziiprayimari zihlala zineemfuno ezithambileyo zokuzonwabisa.

4. Umlinganiselo weMali-mboleko-kwixabiso (LTV).

Ababolekisi banokuqwalasela umlinganiselo wemali-mboleko-kwixabiso xa bemisela iimfuno zesinongo.Umlinganiselo ophantsi we-LTV unokukhokelela kwixesha elifutshane leesinongo.

5. Imbali yeNtlawulo

Imbali yentlawulo engaguqukiyo neqinisekileyo ngexesha lokuqala lemali-mboleko inokuba negalelo kwimfuno ebhetyebhetye ngakumbi yesinongo.

Ukujonga iCash-Out Seasoning: Iingcebiso zababoleki

1. Qonda imigaqo-nkqubo yababolekisi

Ababolekisi abahlukeneyo banokuba neemfuno ezahlukeneyo zesinongo.Ukuqonda imigaqo-nkqubo yabo banokuba ngababolekisi kubalulekile xa kucwangciswa i-cash-out refinance.

2. Ukuphucula ukufaneleka kwetyala

Ukuphucula amanqaku akho ekhredithi kunokuba nefuthe elifanelekileyo kwiimfuno zonyaka.Gxininisa ekwenzeni iintlawulo ngexesha kunye nokujongana nayo nayiphi na imiba kwingxelo yakho yetyala.

3. Ukuvavanya ubulungisa bePropati

Qinisekisa ukuba ipropati yakho inexabiso lexabiso, igalelo lomlinganiselo ofanelekileyo wemali-mboleko-kwixabiso.Oku kunokukhokelela kwiimfuno ezithambileyo zokuzonwabisa.

4. Thetha neeNgcali ze-Mortgage

Zibandakanye neengcali zokwenza imali ukuze ufumane ulwazi kwiimfuno ezinokubakho zexesha lonyaka ngokusekwe kwimeko yakho yezemali kunye neenjongo.

Ukuqukumbela: Ukwenziwa kweZigqibo ezinolwazi kwi-Cash-out Refinancing

Njengoko ucinga ngokuphuma kwemali ngokutsha, ukujonga ubume beemfuno zesinongo ngumba obalulekileyo wenkqubo yokwenza izigqibo.Ngokuqonda izinto eziphembelela ixesha lokuphuma kwemali, ukuvavanya iimeko zakho ezizodwa, kunye nokusebenza ngokusondeleyo neengcali ezinamava zokuboleka imali, unokuzibeka kwindawo yakho ukuze ufumane amava aphumeleleyo nangenamthungo okufumana imali.Khumbula ukuba imeko nganye yokubolekisa yahlukile, kwaye ukulungisa indlela yakho ukuze ihlangabezane neemfuno ezithile zababolekisi kuya kuba negalelo kwisiphumo esincomekayo ngakumbi kuhambo lwakho lokukhupha imali kwakhona.

Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS;enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume.Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke.Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye.Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile.Tyala imali ngokufanelekileyo kumngcipheko wakho.