11/15/2023

Kwindawo yokubolekwa kwezindlu kunye nenkxaso-mali yendlu, ukuqonda umahluko phakathi kwe-cash-out refinance kunye ne-home equity loan kubalulekile kubanini-zindlu abafuna ukunyusa i-equity kumakhaya abo.Esi sikhokelo sibanzi sinika ingqiqo kwiimpawu, iinzuzo, kunye nokuqwalaselwa kwezi ndlela zombini, ukuxhobisa abaninimzi ukuba benze izigqibo zemali ezinolwazi.

Imali Ekhutshwayo Ngayo: Ukungena kuLingano lwaseKhaya ngokubolekwa-mali eNtsha

Ingcaciso kunye nobuChule

I-cash-out refinance ibandakanya ukubuyisela imali-mboleko yakho esele ikhona kunye nentsha engaphezulu kunebhalansi eseleyo yangoku.Umahluko phakathi kwe-mortgage entsha kunye nekhoyo ihlawulwa kumninimzi ngemali.Olu khetho luvumela abanini-zindlu ukuba bafikelele kwinxalenye ye-equity yezindlu zabo ngelixa behlawula imali yabo yokubambisa.

Ezona mpawu

1. Isixa-mali seMali-mboleko: Imali-mboleko entsha inokuba phezulu kunaleyo ikhoyo, inika abaninimzi isixa semali.
2. Inzala: Izinga lenzala kwimali-mboleko entsha inokwahluka kwixabiso lokuqala, nto leyo enokuthi ichaphazele iindleko zizonke zemboleko.
3. Imbuyekezo: Isixa-mali esiphumayo sibuyiswa kubomi bemali-mboleko entsha, kunye neendlela ezisisigxina okanye ezilungelelanisiweyo ezikhoyo.
4. Iimpembelelo zeRhafu: Inzala ehlawulwe kwinxalenye yemali-mboleko inokutsalwa irhafu, ngokuxhomekeke ekusetyenzisweni kweemali.

Imali-mboleko yoBulungisa baseKhaya: Imali-mboleko yesiBini yokubolekwa kwezindlu kwiNkxaso-mali ekuJoliswe kuyo

Ingcaciso kunye nobuChule

Imali mboleko yezindlu, ekwabizwa ngokuba yimali-mboleko yesibini, ibandakanya ukuboleka imali emiselweyo ngokuchasene ne-equity kwikhaya lakho.Ngokungafaniyo ne-cash-out refinance, ayithathi indawo ye-mortgage ekhoyo kodwa ikhona njengemali-mboleko eyahlukileyo enemiqathango kunye neentlawulo zayo.

Ezona mpawu

1. Isixa-mali seMali-mboleko esiZinzileyo: Iimali-mboleko zezabelo zezindlu zibonelela ngesixa semali kwangaphambili, kunye nesixa-mali semali-mboleko esisigxina esichazwe ekuqaleni.
2. Inzala: Ngokuqhelekileyo, iimali mboleko zezindlu zinenzala emiselweyo, zibonelela uzinzo kwiintlawulo zenyanga.
3. Imbuyekezo: Imali ebolekiweyo ibuyiswa ngexesha elimisiweyo, kwaye iintlawulo zenyanga zihlala zingaguquguquki kulo lonke ixesha lemali-mboleko.
4. IiMpembelelo zeRhafu: Ngokufanayo ne-cash-out refinance, inzala yemali mboleko ye-home equity inokutsalwa irhafu, ngokuxhomekeke kwimiqathango ethile.

Ukuthelekisa ezi Zimbini iiNdlela zokuKhetha: Iingqwalasela kubaninimzi

Inzala kunye neendleko

• I-Cash-Out Refinance: Isenokuza nenzala entsha, enenzala ephantsi, kodwa iindleko zokuvala zinokusebenza.
• Imali-mboleko ye-Home Equity: Idla ngokuba nomyinge wenzala ephezulu kunemali-mboleko yemali-mboleko, kodwa iindleko zokuvala zisenokuba ngaphantsi.

Isixa seMali-mboleko kunye neXesha

• I-Cash-Out Refinance: Ivumela abanini-zindlu ukuba bahlawule ngemali ephezulu kunye nexesha elinokubakho elongeziweyo.
• Imali-mboleko yoBulungisa baseKhaya: Ibonelela ngesixa-mali esinexesha elimiselweyo, elihlala lifutshane kunexesha lokubambisa.

Ukuguquguquka kunye nokusetyenziswa

• I-Cash-Out Refinance: Inikezela ngokuguquguquka ekusebenziseni iimali ngeenjongo ezahlukeneyo, kubandakanya ukuphuculwa kwekhaya, ukuqinisa amatyala, okanye iindleko ezinkulu.
• Imali-mboleko ye-Home Equity: Ifanelekile kwiindleko ezithile, ezicwangcisiweyo ngenxa yesixa-mali esisisigxina.

Umngcipheko kunye nokuqwalaselwa

• I-Cash-Out Refinance: Yonyusa ityala lilonke lemali-mboleko kwaye inokuthwala umngcipheko weendleko eziphezulu zenzala kubomi bemali-mboleko.
• I-Home Equity Loan: Yazisa i-mortgage yesibini kodwa ayichaphazeli imiqathango ye-mortgage yokuqala.

Ukwenza Izigqibo ezinolwazi: Izinto ekufuneka ziqwalaselwe

1. IiNjongo zemali kunye neeMfuno

Vavanya iinjongo zakho zemali kunye neemfuno ezithile eziqhuba umnqweno wakho wokungena kwi-equity yasekhaya.Nokuba kukuxhasa ngemali iprojekthi enkulu, ukudibanisa amatyala, okanye ukuhlawula iindleko ezinkulu, lungelelanisa ukhetho lwakho kunye neenjongo zakho zemali.

2. Inzala yoMbane

Qwalasela imeko yezinga lenzala ekhoyo kunye noqikelelo lwamaxabiso exesha elizayo.I-cash-out refinance inokuthandeka kwindawo enenzala ephantsi, ngelixa i-home equity loan enezinga elimiselweyo inika uzinzo.

3. Iindleko zizonke kunye neMirhumo

Ixabiso kwiindleko zizonke ezinxulumene nokhetho ngalunye, kuquka iindleko zokuvala, imirhumo, kunye neendleko ezinokubakho yenzala kubomi bemali-mboleko.Ukuqonda ifuthe lezemali lilonke kubalulekile ekwenzeni izigqibo ezizizo.

4. Iingqwalasela zoBulungisa baseKhaya

Vavanya ukulingana kwangoku kunye nekamva elinokwenzeka kwikhaya lakho.Ukuqonda ixabiso lekhaya lakho kunye nesikhundla sobulungisa kunceda ukumisela ukuba nokwenzeka kunye neenzuzo ezinokuthi zibe kho zokhetho ngalunye.

Ukuqukumbela

Kwisigqibo phakathi kwe-cash-out refinance kunye ne-home equity loan, abanini-zindlu kufuneka bahlolisise ngononophelo iingenelo, izinto ezingeloncedo kunye neemeko zabo zemali.Zombini iinketho zibonelela ngeenzuzo ezizodwa, kwaye ukhetho olufanelekileyo luxhomekeke kwiinjongo zomntu ngamnye, ukhetho, kunye nesicwangciso semali ngokubanzi.Ngokuphonononga iimpawu, ukuqwalaselwa, kunye neziphumo ezinokuthi zibekho zokhetho ngalunye, abanini-zindlu banokuhamba ngenkqubo yokwenza izigqibo ngokuzithemba, beqinisekisa ukuba indlela yabo yokuxhasa ngemali ekhethiweyo ihambelana ngokufanelekileyo kunye neenjongo zabo zemali.

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.