12/05/2023

Ngaba ukhe wazifumana uxakiwe ligama elithi “HELOC” yaye uzibuza ukuba inokuba yingenelo njani kuwe?Okanye ngaba uye wakhubeka kwimigaqo eyongezelelweyo efana ne "Akukho Isohlwayo esihlawulwa kwangaphambili" kunye "neNdleko yokuvala ephantsi" kwaye uzibuze ukuba ingaba luncedo njani kwimeko yokuboleka?Lixesha lokucacisa le migaqo!

Yintoni i-HELOC

HELOC, isishunqulelo seHome Equity Line of Credit, luhlobo lwemali-mboleko yesibini evumela abaninimzi ukuba baboleke imali ngokuchasene nezabelo zamakhaya abo.I-equity yekhaya lakho ibalwa ngokuthabatha naziphi na iimali-mboleko esele zikho okanye iimali-mboleko kwixabiso lemarike langoku lekhaya lakho.Ii-HELOC zihlala zisetyenziselwa iindleko ezinkulu ezinje ngokuphuculwa kwekhaya, izifundo zasekholejini, okanye nokuhlawula amatyala anenzala ephezulu.

Ii-HELOC zisebenza ngandlel’ ithile njengekhadi lokuthenga ngetyala, apho unomlinganiselo wokuthenga ngetyala (osekelwe kwi-equity yendlu yakho) kwaye unokuboleka ukuya kutsho kwelo xabiso “ngexesha lokutsalwa” — ngokufuthi iminyaka elishumi.Ukulandela oku, ixesha lokuhlawula liqala, ngokwesiqhelo iminyaka elishumi elinesihlanu ukuya kumashumi amabini.

Akukho Isohlwayo Esihlawulwa kwangaphambili

Isohlwayo esihlawulwa kwangaphambili, esikwabizwa ngokuba sisohlwayo sentlawulo-mboleko, lilungiselelo lesivumelwano semali-mboleko echaza ukuba umboleki uya kuhlawuliswa umrhumo ukuba uhlawule imali-mboleko ngaphambi kwexesha elithile.Ababolekisi basebenzisa izohlwayo zokuhlawula kwangaphambili ukuzikhusela ekuphulukaneni nengeniso yenzala ebiza kuhlawulwa ubomi bemali-mboleko.

Enye yeenkalo ezenza aHELOCeyona nto ithandeka ngakumbi luphawu “Akukho Isohlwayo esiHlawulelwayo”.Lo mba uthetha ngokulula ukuba ungahlawula ibhalansi yemali mboleko yakho ye-HELOC ngaphambi kwexesha lakho ngaphandle kwezohlwayo ezongezelelweyo zemali.Oku kuluncedo ngakumbi ukuba unemali engena ngesiquphe kwaye ufuna ukunciphisa ibhalansi yemali-mboleko yakho kwaye wonge kwintlawulo yenzala yexesha elizayo.

Iindleko zokuvala eziphantsi

Iindleko zokuvala ziyimirhumo eyahlukeneyo kunye neendleko ezihlawulwe ekupheleni kwentengiselwano ye-real estate xa itayitile yepropati igqithiselwa ukusuka kumthengisi ukuya kumthengi.Ngokuqhelekileyo baphakathi kwe-2% kunye ne-5% yexabiso lokuthengwa kwepropati kodwa banokuhluka ngokusekelwe kwindawo yepropati kunye nohlobo lwemboleko.

Xa kufikwa kwimali-mboleko okanye i-mortgages, iindleko zokuvala ngamanye amaxesha zinokuza njengesimangaliso esingathandekiyo.Le yimirhumo engaphezulu kwemboleko edla ngokunxulumene novavanyo, imvelaphi, okanye imirhumo yezomthetho, enokudibanisa ngokuqinisekileyo.Yintoni eyenza wethuHELOCenomtsalane ngakumbi lithemba leeNdleko zokuvala eziphantsi.Isihloko kunye neenkonzo zokuvala i-Escrow Umrhumo we-$ 370-$ 650 (ukuvala ngeTitle Company ekufuneka ikhethwe yi-AAA LENDINGS).

Izinto ekumele uzikhumbule

Ngelixa iingenelo zeHELOC, Akukho Isohlwayo esihlawulwa kwangaphambili, kunye neendleko zokuvala eziphantsi ziyabonakala, kuyafaneleka ukuba uqaphele ukuba ii-HELOC ziza kunye neeseti zazo zemingcipheko.Ngenxa yokuba ikhaya lakho lisebenza njengesibambiso, ukungaphumeleli ukubuyisela imali-mboleko kunokuthetha ukuphulukana nekhaya lakho.Kukwabalulekile ukuqonda inzala eguquguqukayo ehambelana ne-HELOCs.Ngoko ke kubalulekile ukuqwalasela le migibe inokubakho ecaleni kwezibonelelo phambi kokuba wenze isigqibo malunga nokuba i-HELOC lolona khetho lufanelekileyo kuwe.

Ukuqukumbela, usebenzisa aHELOCinokuba yindlela esebenzayo yokungena kwi-equity yekhaya lakho kwiindleko ezinkulu.Iimpawu zayo ezinje ngokuba Akukho Isohlwayo esiHlawulelwayo zibonelela ngokuguquguquka kwisicwangciso sakho sokuhlawula, kwaye Iindleko zokuvala eziphantsi zinciphisa ityala lakho lilonke.Nangona kunjalo, kusoloko kububulumko ukuqonda ngokupheleleyo kwaye uqwalasele imiqathango yayo nayiphi na imali-mboleko phambi kokuba usayine kumgca onamachaphaza.

Malunga nokubolekwa kwe-AAA

Isekwe ngo-2007, i-AAA Lendings ibe ngumbolekisi ohamba phambili kwi-mortgage iminyaka engaphezu kwe-15 yokugqwesa.Ilitye lethu lembombo libonelela ngenkonzo engenakuthelekiswa nanto kunye nokuthembeka, ukuqinisekisa ukuba abathengi bethu baneliseke kakhulu.

Ubungcali kuluhlu olubanzi lweemveliso ezingezizo ze-QM-kubandakanywaAkukho Doc Akukho Credit, I-P&L ezilungiselelwe ngokwakho, WVOE, I-DSCR, Iingxelo zeBhanki, Jumbo, HELOC, Vala Ukuphela Kwesibiniiinkqubo-sikhokela kwimalike yemali-mboleko 'engeyo-QM'.Siyabuqonda ubunzima bokufumana imali-mboleko kwaye sine 'Arsenal yeMali-mboleko' eyahlukeneyo ukuhlangabezana nale mingeni.Ukungena kwethu kwangethuba kwimarike ye-Non-QM kusinike ubuchule obukhethekileyo.Imizamo yethu yobuvulindlela ithetha ukuba siyaziqonda iimfuno zakho zemali ezahlukileyo.Ngokubolekwa kwe-AAA, ukufikelela kwiinjongo zakho zemali kulula kwaye kufikeleleka ngakumbi.

Sincede phantse iintsapho ezingama-50,000 ekufezekiseni amaphupha azo emali, kunye neemali-mboleko ezingaphaya kweebhiliyoni ezingama-20 zeedola.Ubukho bethu obubalulekileyo kwiindawo eziphambili ezifana ne-AZ, CA, DC, FL, NV, kunye ne-TX zisivumela ukuba sikhonze abantu abaninzi.

Ngaphezulu kwe-100 yee-arhente ezizinikeleyo kunye namaqela abhala phantsi kunye novavanyo lwangaphakathi, siqinisekisa inkqubo yemali-mboleko elungelelanisiweyo nengenaxinzelelo.

Ividiyo:HELOC-Ukuphendula imibuzo yakho

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.