I-Home Equity Line yeTyala Mhlawumbi luKhetho olumangalisayo
05/12/2022
Yintoni i-HELOC?
I-HELOC (I-Home Equity Line of Credit) ivumela ababoleki ukuba baboleke ngokuchasene ne-equity abasele beyenzile kwikhaya labo.
I-HELOC inoluhlu olubanzi lwezicelo, eziquka iindleko zokulungiswa kweeprojekthi zezindlu kunye nokulungiswa kwezindlu kunye nezinye iindleko ezinkulu.Nangona ivumela ukuboleka okuguquguqukayo kunye nokubuyisela, ikwafuna ukuba ababoleki bahlale benengqeqesho ngakumbi xa kufikwa ekuthatheni imali kunye nokubuyisela ababolekisi babo.
H isebenza njani i-HELOC?
Ngeyona ndlela ilula, i-HELOC isebenza kancinci njengekhadi letyala.Ababoleki banokuboleka imali ukuya kutsho kumlinganiselo othile wetyala obekwe ngumbolekisi baze babuyisele imali abayibolekiweyo kunye nenzala.Olu khetho luvumela ukuguquguquka okukhulu - ababoleki banokurhoxisa kwaye benze iintlawulo zemihla ngemihla okanye ngeveki ukuba kuyimfuneko.
I-HELOC isoloko ilula ukufumana imvume logama nje ababoleki benemali elinganayo kumakhaya abo, kodwa ukuhlala uphezu kwenzala kwaye inqununu ihlawula kubalulekile ukuqinisekisa ukuba umboleki akasileli kwimali-mboleko aze emva koko aphulukane nekhaya lakhe.
Ngaba ababoleki bayichitha njani imali ye-HELOC?
Ukuba ababoleki bavunyiwe kwi-HELOC, ababolekisi banokuvumela ukuba bakhuphe imali ngexesha elimiselweyo elaziwa ngokuba lixesha lokutsala.
Emva kokuba ixesha lokutsalwa kwababoleki liphelile, umbolekisi unokubavumela ukuba bahlaziye umgca wetyala.Ukuba akunjalo, ababoleki kusenokufuneka bayibuyise yonke imali eseleyo ngexesha elinye okanye ixesha elithile, elibizwa ngokuba lixesha lokubuyisela.
Indlela yokufumana i-HELOC?
Xa ufaka isicelo se-HELOC, kulindeleke ukuba uhlawule amakhulu eedola kwiimali zokuvavanya, iifizi zesicelo, iimali zokukhangela isihloko, njalo njalo.Ke, ababoleki kufuneka baqinisekise ukuba bathatha imali-mboleko enkulu ngokwaneleyo ukuba bazihlawulele ezi ndleko zangaphambili.
Nangona kumiselwa ubukhulu becala lixabiso lemarike lamakhaya ababoleki kunye nesixa sababoleki abanetyala lemali yokubambisa.Kungenxa yokuba ababoleki banomlinganiselo omkhulu wokulingana kwikhaya labo akuthethi ukuba baya kufumana imali mboleko enkulu ngenxa yokuba umda wekhredithi we-HELOC uxhomekeke kwizinto ezininzi, kubandakanywa nekhredithi yababoleki kunye namatyala angahlawulwanga.
Ukuba ababoleki bafuna imali eninzi kunokuba i-HELOC inokubonelela, kunokuba sengqiqweni ukuqwalasela imali-mboleko engasebenzisi ukulingana kwekhaya njengesibambiso.Kodwa, ukuba ababoleki abaqinisekanga ncam ukuba yimalini na abaza kuyidinga, ukuthatha i-HELOC lukhetho oluguquguqukayo lokukhupha imali kanye okanye ngamanqam.
Lilonke, i-HELOC inokuba lukhetho oluhle kakhulu kubaboleki ngexesha apho uninzi lweemveliso 'inzala ikhula ngokubanzi.
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.
Ixesha lokuposa: May-12-2022