Isiphelo Esivaliweyo vs. Iimali-mboleko zePiggyback: Ukukhetha iKhetho eLungileyo

Xa kufikwa kwinkxaso-mali yobulungisa, abanini-zindlu banokhetho oluninzi lokufikelela kwixabiso lamakhaya abo, kunye neSiphelo esivaliweyo.mboleko yesibini(CES) kunye neemali-mboleko ze-piggyback zime ngaphandle. Zombini ziwela phantsi kwesambrela seSibini sokuBoleka imali, kodwa zisebenza ngeenjongo ezahlukileyo. I-CES yokuzimela yodwa ifanelekile kwiindleko zexesha elinye njengenkxaso-mali yokuphucula ikhaya okanye imali-mboleko yokudibanisa amatyala, ngelixa imali-mboleko ye-piggyback isoloko isetyenziselwa ukuthenga ukuphepha iindleko ezongezelelweyo. Eli nqaku lichitha iiyantlukwano zabo ukukunceda ukuba ukhethe iMali-mboleko yoBulungisa beKhaya efanelekileyo kwiinjongo zakho.

I-CES yokuzimela yodwa yiMali-mboleko yesiBini evaliweyo ebonelela ngesixa-mali esisisigxina, sihlawulwe ngexesha elimisiweyo kunye nezinga lenzala elizinzileyo. Ilungele abanini-zindlu abanokulingana okukhoyo abafuna imali ngaphandle kokubuyisela imali yabo yokuqala yokubambisa. Ngokomzekelo, i-CES inokuxhasa ngemali i-$ 30,000 yokutshintshwa kophahla, inikezela ngeentlawulo eziqikelelwayo zenkxaso-mali yokuphucula ikhaya. Ikwayimali-mboleko enamandla yokuqinisa amatyala, ekuvumela ukuba udibanise amatyala anezinga eliphezulu kwi-Mortgage yesiBini enye enemilinganiselo rhoqo engaphantsi kwe-10%. Ababolekisi ngokuqhelekileyo bafunaUGqirha opheleleyoukuqinisekiswa-imbuyekezo yerhafu, ubungqina bengeniso, kunye nenqaku lekhredithi ngaphezulu kwe-620-kodwa iindlela ezizezinye ze-doc ezifana neengxelo zebhanki ziyafumaneka kubantu abangengabo bemveli.

Ngokwahlukileyo koko, imali-mboleko ye-piggyback yi-Mortgage yesiBini ethathwe ngaxeshanye kunye ne-mortgage yakho yokuqala, ehlala icwangciswa njengesivumelwano se-80-10-10 (i-80% yemali-mboleko yokuqala, i-10% ye-piggyback, i-10% yentlawulo ephantsi). Indima yayo ephambili kukuphelisa i-inshurensi ye-mortgage yangasese (PMI) xa intlawulo yakho ephantsi ingaphantsi kwama-20%. Ngokungafaniyo ne-CES ezimele yodwa, i-piggyback ayidalelwanga inkxaso-mali ye-equity emva kokuthenga kodwa kunokolula iindleko zokuthenga. Umzekelo, kwikhaya le-$400,000, i-40,000 yemali mboleko yehagu igubungela inxalenye yentlawulo ephantsi, ikugcinele imirhumo ye-PMI.

Ukhetho phakathi kwe-CES ezimeleyo kunye ne-piggyback ixhomekeke kwixesha kunye nenjongo. Ukuba uthenga ikhaya kwaye umfutshane ngemali, i-piggyback inokwenza ubunini bufikeleleke. Ukuba sele ungumnikazi wendlu yakho kwaye ufuna iMali-mboleko yoLingano lweKhaya yokudibanisa amatyala okanye uhlaziyo, i-CES yeyona nto ifanelekileyo. I-CES yokuzimela yodwa igcina imimiselo yakho yokuqala yokubambisa, inikezela ukuba bhetyebhetye kuxwebhu olupheleleyo okanye ababoleki be-doc abangabanye. Nangona kunjalo, iimali-mboleko ze-piggyback zinokuthwala amaxabiso aphezulu, njengoko ziyingozi kubabolekisi.

Zombini iinketho zisebenzisa ikhaya lakho njengesibambiso, ngoko ke ukungagqibeki kubeka umngcipheko wokuvalwa. Ukwenza isigqibo, vavanya i-equity yakho-thabatha ibhalansi yakho yemali-mboleko kwixabiso lekhaya lakho-kwaye uqinisekise ukuba umlinganiselo wakho we-DTI uxhasa iintlawulo ezongezelelweyo. Thelekisa ababolekisi ukuze ufumane i-CES okanye imigaqo ye-piggyback, kwaye ucinge ngokudibana nomcebisi wezezimali.

Ekugqibeleni, iMali-mboleko yesiBini evaliweyo iqaqambile kwinkxaso-mali yophuculo lwekhaya kunye neemali-mboleko zokuqinisa amatyala, ngelixa imali-mboleko ye-piggyback ihambelana nokuthenga iimeko. Ngokuqonda ezi ntlobo ze-Second Mortgage, ungasebenzisa imali yolingano ukuhlangabezana neemfuno zakho ngokufanelekileyo.