10/18/2023

Xa kuziwa ekuvuleni i-equity eyakhelwe kwikhaya lakho, i-Home Equity Line yeTyala, okanye i-HELOC, ingaba sisixhobo esinamandla sezemali.Kwesi sikhokelo sibanzi, siza kugocagoca kubugocigoci be-HELOC, sichaza injongo yayo, sichaza indlela esebenza ngayo, kwaye sichaza iingenelo kunye nokuqwalaselwa kwabaninimzi abaphonononga olu khetho luguquguqukayo lwezemali.

Ukuchaza i-HELOC

I-Home Equity Line of Credit (HELOC) yintambo yetyala ejikelezayo evumela abaninimzi ukuba baboleke ngokulinganayo kumakhaya abo.Ngokungafaniyo ne-mortgage yendabuko, i-HELOC ibonelela ngesisombululo sokuboleka esiguquguqukayo apho abaninimzi banokutsala imali njengoko kuyimfuneko, ukuya kumda wetyala omiselweyo.

Isebenza njani i-ELOC

1. Uvavanyo loBulungisa:
   • Inyathelo lokuqala: Ababolekisi bavavanya i-equity yomninimzi ngokuqwalasela umahluko phakathi kwexabiso lemalike yendlu yangoku kunye nentsalela yemali-mboleko engekahlawulwa.
2. Ukuseka umda weTyala:
   • Ukumiselwa kwetyala: Ngokusekwe kwi-equity evavanyiweyo, ababolekisi bamisela umda wetyala, obonisa esona sixa siphezulu abaninimzi banokuboleka.
3. Ufikelelo olujikelezayo kwiiNgxowa-mali:
   • Ukuba bhetyebhetye: Abaninimzi banokufikelela kwiimali njengoko kuyimfuneko, ngokufanayo nekhadi lokuthenga ngetyala, ngaphakathi komlinganiselo obekiweyo wetyala ngexesha lokutsalwa kwetyala.
4. Amaxesha okutsalwa nokuBuyiselwa kwentlawulo:
   • Ixesha lokuzoba: Ngokwesiqhelo iminyaka emi-5 ukuya kweli-10, apho abaninimzi banokutsala imali.
   • Ixesha leMbuyiselo: Lilandela ixesha lotsalo, apho abaninimzi babuyisela imali ebolekiweyo kunye nenzala.

Iinzuzo ze-HELOC

1. Ukuguquguquka ekusebenziseni:
   • Ingenelo: Abaninimzi banokusebenzisa imali ye-HELOC kwiinjongo ezahlukeneyo, kuquka ukuphuculwa kwezindlu, iindleko zemfundo, okanye ukuqinisa amatyala.
2. Iintlawulo ezinenzala kuphela:
   • I-Advanteji: Ngexesha lokutsalwa kwemali, abaninimzi banokukhetha ukwenza intlawulo yenzala kuphela, nto leyo ebonisa ukuba bhetyebhetye ekulawuleni ukuhamba kwemali kwenyanga.
3. Inzala eguquguqukayo:
   • I-Advanteji: Ii-HELOC zihlala ziza namaxabiso enzala ahluka-hlukeneyo, nto leyo evumela abaninimzi ukuba baxhamle kukwehla kwenzala enokubakho.

Iingqwalasela kubanini-zindlu

1. Inzala eguquguqukayo:
   • Ukuqwalaselwa: Ngelixa iireyithi eziguquguqukayo zibonelela ngokuguquguquka, zikwabeka umngcipheko wokunyuka ngokuhamba kwexesha, okuchaphazela iintlawulo zenyanga.
2. Ululeko lwezeMali:
   • Ukuqwalaselwe: Abaninimzi bafanele basebenzise uqeqesho lwemali ukuze baphephe ukwandiswa ngokugqithiseleyo baze baqinisekise ukuba banokuhlangabezana neembopheleleko zokuhlawula.
3. Ukuguquguquka kwexabiso lasekhaya:
   • Ukuqwalaselwa: Utshintsho kwimarike yendawo yokuhlala lunokuchaphazela amaxabiso asekhaya, luphembelela inani leequity ekhoyo yokuboleka.

Ukuhamba ngenkqubo ye-ELOC

1. Uthethwano loVavanyo loBulungisa:
   • Inyathelo lokuqala: Abanini-zindlu kufuneka badibane nababolekisi ukuze bahlole ukulingana kwabo kwaye bagqibe ukufaneleka kwe-HELOC.
2. Ukuthelekisa unikezelo:
   • Isikhokelo: Kuyacetyiswa ukuba uthelekise unikezelo lwe-HELOC oluvela kubabolekisi abahlukeneyo, ngokuqwalasela izinto ezifana nenzala, imirhumo, kunye nemigaqo yokubuyisela.
3. Ukuqonda iMigaqo:
   • Isikhokelo: Abaninimzi bafanele baqonde kakuhle imiqathango ye-HELOC, kubandakanywa amaxesha okutsalwa kunye nokuhlawula, amazinga enzala, kunye neentlawulo ezinokubakho.

Ukuqukumbela: Ukusebenzisa i-HELOC kuXhotyiso lwezeMali

I-Home Equity Line of Credit (HELOC) sisixhobo sezemali esisebenza ngeendlela ezininzi esixhobisa abaninimzi ukuba basebenzise i-equity kumakhaya abo kwiimfuno ezahlukeneyo zemali.Ngokuqonda indlela i-HELOC esebenza ngayo, izibonelelo zayo, kunye nokuqwalasela izinto ezibalulekileyo, abaninimzi banokwenza izigqibo ezinolwazi ukuze baphucule ukuguquguquka kwemali kunye nokufezekisa iinjongo zabo.Njengayo nayiphi na imveliso yezemali, ukuqwalaselwa ngononophelo, uphando olunzulu, kunye nesikhokelo sobuchule sidlala indima ebalulekileyo ekwandiseni iinzuzo ze-HELOC ngelixa ulawula ubungozi obunokubakho.Nokuba ujonge ukulungisa ikhaya lakho, imfundo yenkxaso-mali, okanye ukudibanisa amatyala, i-HELOC inokuba sisixhobo esibalulekileyo kwindlela yakho yokuxhobisa ngemali.

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.