11/15/2023

Intshayelelo ye-HELOC

HELOC, ekwaziwa ngokuba yiHome Equity Line of Credit, luhlobo lwemboleko oluvumela abaninimzi ukuba baboleke imali ngokuchasene ne-equity abayiqokelele kwipropati yabo.Kungumgca ojikelezayo wetyala, okuthetha ukuba lisebenza ngokufanayo nekhadi letyala: ababoleki banikwa elona nani liphezulu abanokutsalwa kulo, kwaye banokukhupha imali njengoko kufuneka de kufike umda.

Iimpawu eziphambili zeHELOCziquka:

1. Imali-mboleko ekhuselweyo:
   I-HELOC (i-Home Equity Line of Credit) ikhuselwe likhaya lomboleki, nto leyo eyenza ibe yimali-mboleko eqinisekisiweyo.Ukuba umboleki uyasilela kwi-HELOC, umbolekisi unokulivala ikhaya ukuze abuyise utyalo-mali lwakhe.
2. Imfuno yoLingano:
   Ukuze ulungele ukufumana i-HELOC (i-Home Equity Line yeTyala), abanini-zindlu ngokuqhelekileyo kufuneka babe nesixa esithile se-equity kumakhaya abo.I-equity ngumahluko phakathi kwexabiso lekhaya lakho kunye nebhalansi eseleyo yazo zonke iimali-mboleko kwipropati, ezifana nokubambisa okanye ezinye iimali-mboleko.
3. Ubume bomgca wetyala:
   I-HELOC idla ngokuba nexesha lokutsalwa, ngokuphindaphindiweyo iminyaka emi-5-10, apho umboleki anokufikelela kwiimali.Emva kwexesha lotsalo, ezinye ii-HELOC zinokuvumela uhlaziyo, okanye zingene kwixesha lokuhlawula apho kungavumelekanga ukuboleka imali entsha, kwaye ibhalansi ekhoyo kufuneka ihlawulwe emva kwexesha elimiselweyo.

Ukuguquguquka kwe-HELOC

Enye yezona nzuzo zibalulekileyo aHELOC(I-Home Equity Line yeTyala) kukuguquguquka kwayo.Abaninimzi banokusebenzisa imali ekhoyo kwiinjongo ezahlukeneyo, kuquka ukuphuculwa kwezindlu, ukuqinisa amatyala, okanye ukuhlawula iindleko zongxamiseko.Ngokungafaniyo nezinye iindlela zokuboleka, apho injongo yemali-mboleko inokuthintelwa, i-HELOC ikunika inkululeko yokusebenzisa imali apho ifuneka kakhulu.

Ukuqonda Iindleko: Akukho Mrhumo woMboleki

Umrhumo wombolekisi kumxholo we-mortgage uquka iintlobo ezahlukeneyo zeentlawulo ezinokuthi iziko elibolekayo lifune kumboleki ukuze kuqhutywe kunye nokuxhasa ngemali mboleko ye-mortgage.Njenge:

1. Umrhumo wokuQala: Le yenye yeentlawulo eziphambili zomboleki kwaye ihlawuliswa ngumbolekisi ngokwenza imali-mboleko.Ihlala ibandakanya iindleko zokusetyenzwa kwesicelo semali-mboleko, ukubhala phantsi, kunye nemvelaphi yemali-mboleko.
2. Umrhumo wesicelo: Umrhumo ohlawuliswayo ukuhlawula iindleko zenkqubo yesicelo sokuqala, kubandakanywa ukutshekishwa kwamatyala kunye neendleko zolawulo.
3. Intlawulo yokubhala phantsi: Intlawulo yokubhala phantsi ibuyekeza umbolekisi ngenkqubo yokuvavanya nokuqinisekisa isicelo semali-mboleko kunye neenkcukacha zemali zomboleki kunye nembali yetyala.

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Ngethamsanqa, iNkulumbuso yethuHELOC(I-Home Equity Line yeTyala) iinketho ziza kunye nento ekhangayo yokungahlawulisi mboleki.Oku kuthetha ukuba umboleki akahlawuliswa imali eyongezelelweyo ngumbolekisi ngokumisela umgca wetyala, nto leyo eyenza ukubaPrime HELOCisixhobo semali esinomtsalane ngakumbi kwabo bafuna ukunciphisa iindleko zabo zokuboleka.

Inzuzo yoMrhumo ophantsi woNyaka

Umrhumo woNyaka, yimali ehlawulwa ngumbolekisi ngonyaka ngexesha lemali-mboleko okanye kwixesha elimiselweyo elichazwe kwimigaqo yemali-mboleko.Le ntlawulo yenzelwe ukunceda ukufikelela kolu hlobo lwetyala kwaye idla ngokubizwa rhoqo ngonyaka ngosuku lokuvulwa kwe-akhawunti.Olunye uncedo olubalulekileyo lwezemali lokukhetha i-HELOC (i-Home Equity Line yeTyala) kukufumaneka komrhumo ophantsi wonyaka.YethuPrime HELOChlawula umrhumo wonyaka wee-$75, ezifana nekhadi lokuthenga ngetyala.Nangona kunjalo, ezi ntlawulo zihlala ziphantsi kakhulu kunezo zihambelana nezinye iintlobo zeemali-mboleko, okwenza i-HELOC ibe yindleko esebenzayo yokucwangcisa imali ixesha elide.Kubalulekile ukuba ababoleki bafumane imveliso ye-HELOC ebonelela ngeyona mali iphantsi inokwenzeka ngonyaka ukonyusa ugcino lwabo.

Ukuqukumbela: Indlela ehlakaniphile yokuguquguquka kwezeMali

Ukuqukumbela, i-Home Equity Line yeTyala inokusebenza njengesixhobo sezemali esigqwesileyo kubanini-zindlu abanqwenela ukungena kwi-equity yezindlu zabo.Ngokubakho kungabikho mrhumo wombolekisi kunye nomrhumo ophantsi wonyaka, aPrime HELOCibonelela ngenqanaba lokuguquguquka kunye nokuphumelela kweendleko okunzima ukubetha kunye nezinye iindlela zokuboleka.Njengayo nayiphi na imveliso yezemali, kubalulekile ukwenza uphando olucokisekileyo kwaye uqwalasele zonke iinketho ezikhoyo ngaphambi kokuba uzibophelele kwi-Prime HELOC ukuqinisekisa ukuba ihambelana neenjongo zakho zemali.

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:I-HELOC: UKhetho oluLungileyo lokuRefinancing kuBanini-zindlu

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.