12/05/2023

Intshayelelo

Icala loLingano lwaseKhaya (HELOC)iye yaba lukhetho oludumileyo lwenkxaso-mali kubanini-zindlu abajonge ukungena kwi-equity yamakhaya abo.Ngelixa ibonelela ngokuguquguquka kunye nenzala ephantsi, abantu abaninzi basenemibuzo malunga neempawu zayo, ngakumbi igatya lesohlwayo esihlawulwa kwangaphambili kunye neendleko eziphantsi zokuvala.Kweli nqaku, siza kubonelela ngeempendulo ezineenkcukacha kwimibuzo oqhele ukubuzwa malunga ne-HELOC kwaye sikuncede wenze isigqibo esinolwazi.

Yintoni i-HELOC?

Ngaphambi kokuntywila kwi-nitty-gritty yeHELOC, masiqale sichaze ukuba yintoni na.I-Home Equity Line yeTyala luhlobo lwetyala elijikelezayo elivumela abanini-zindlu ukuba baboleke ngokuchasene ne-equity ekhoyo kwikhaya labo.Isixa-mali esifakwe ngekhredithi idla ngokusekwe kwipesenti yexabiso eliqikelelweyo lepropathi kuthatyathwe ibhalansi yemali-mboleko engekahlawulwa.

Isebenza Njani I-HELOC?
Ngoku uyazi ukuba yintoni aHELOCnantsi indlela esebenza ngayo:

Inkqubo yesicelo:Inkqubo yokufaka isicelo aHELOCiyafana naleyo yemali-mboleko yemveli.Kuya kufuneka unikezele ngamaxwebhu emali, afana ne-stubs yentlawulo, iimbuyekezo zerhafu, kunye nezitetimenti zebhanki, ukubonisa umvuzo wakho kunye nokufaneleka kwakho ngetyala.
Imvume: Emva kokufaka isicelo sakho, umbolekisi uya kusijonga kwakhona aze enze isigqibo sokuba uyasivuma na.Ukuba ivunyiwe, uya kufumana ixesha lotsalo apho unokuboleka imali.
Ixesha lokuzoba:Ngexesha lokutsalwa, ungaboleka ukuya kutsho kumda wetyala lakho nanini na ufuna ukwenza njalo.Umboleki wenza iintlawulo zenyanga zenzala kuphela ngeli xesha.
Isigaba sentlawulo:Emva kokuba ixesha lokutsalwa liphelile, isigaba sokubuyisela siqala.Ngeli xesha, kufuneka uqale ukubuyisela inqununu kunye nenzala.

Iimpawu eziphambili ze-HELOC:

Kweli nqanaba, unokuzibuza ukuba kutheni aHELOCkufanelekile ukuqwalaselwa.Makhe sicazulule iimpawu zayo eziphambili:

Uphawu oluphambili #1:Ixabiso elihlengahlengiswayo: I-HELOC iza nenzala ehlengahlengisiweyo, nto leyo ethetha ukuba iintlawulo zakho zenyanga zinokutshintsha ngokuhamba kwexesha.Nangona oku kunokubangela iintlawulo eziphezulu zenyanga, kukwenza ube bhetyebhetye kuba unokutsala inzala yakho kwiirhafu zakho.

Uphawu oluphambili #2:Akukho Isohlwayo seNtlawulo: Enye yezona nkalo zinomtsalane ze-HELOC kukuba ayizi nesohlwayo esihlawulwa kwangaphambili.Oku kuthetha ukuba ungayibuyisela imali-mboleko ngokukhawuleza ngaphandle kokukhathazeka malunga neentlawulo ezongezelelweyo okanye izohlwayo.

Uphawu oluphambili #3:Iindleko zokuvala eziphantsi: Xa kuthelekiswa nezinye iintlobo zeemali-mboleko, i-HELOC idla ngokuba neendleko zokuvala eziphantsi.Oku kunokukongela amawaka eedola kwiindleko zangaphambili kwaye kukuncede ugcine imali oyigcinileyo.

FAQs Malunga HELOC

Ngeziseko ezigutyungelweyo, ngoku lixesha lokuphendula imibuzo eqhelekileyo malunga nee-HELOCs:

Umbuzo #1: Yintoni Esona Sixa-mali Esona Sininzi Endinokusiboleka?
Impendulo: Ubuninzi bemali onokuyiboleka buxhomekeke kumanqaku akho etyala, umvuzo kunye nexabiso langoku lekhaya lakho.Ngokubanzi, ababolekisi banikela ukuya kuthi ga kwi-90% yexabiso lekhaya lakho ngaphantsi kwayo nayiphi na ibhalansi yemali ekhoyo yokuboleka imali.

Umbuzo #2: Kuya kuthatha ixesha elingakanani ukuyibuyisela imali-mboleko?
Impendulo: Ixesha lokuhlawula i-HELOC lisukela kwiminyaka emihlanu ukuya kwelishumi.Ngeli xesha, uya kwenza iintlawulo zenyanga ezisisigxina eziquka zombini inzala kunye nomthetho-siseko.

Umbuzo #3: Ngaba iNzala yam iyatshintsha?
Impendulo: Ewe, izinga lakho lenzala lingaguquguquka ngokuhamba kwexesha ngenxa yokutshintsha kweemarike okanye ukutshintsha kweemeko zoqoqosho.Ukunciphisa lo mngcipheko, thenga ngeyona ndlela ilungileyo ye-HELOC kubabolekisi abaninzi ukuze ufumane enye enexabiso elizinzileyo.

Ngaba Ndingaphuma Kwangethuba Kwi-HELOC Ngaphandle Kokubethwa Ngezohlwayo Zentlawulo Yangaphambili?
Ewe, ungayihlawula i-HELOC yakho kwangoko ngaphandle kokufumana iimali ezongezelelweyo okanye izohlwayo.Enyanisweni, unokwenza iintlawulo ezongezelelweyo kwibhalansi yakho nanini na xa ufuna.Yazi nje ukuba intlawulo yakho yenyanga ihlala ifana ngalo lonke ixesha lotsalo;ngoko ke, naziphi na iintlawulo ezikhawulezileyo aziyi kuchaphazela iintlawulo zakho zenyanga ngaphandle kokuba ukhethe ngenye indlela.

Ngaba Ukuba ne-HELOC Kuchaphazela ukukwazi kwam ukufumana ezinye iiFomu zeTyala?
Ukuba ne-HELOC akufanele kuchaphazele kakubi ukukwazi kwakho ukufumana ezinye iindlela zekhredithi.Kuba isebenzisa ikhaya lakho njengesibambiso endaweni yokutsala i-equity ngoko nangoko, ukuba nemigca emibini eyahlukeneyo yetyala akwenzakalisanga kumlinganiselo wokusetyenziswa kwetyala lakho okanye kunciphise imida ekhoyo yetyala.Ewe kunjalo, soloko ujonga kumaziko ngamanye ngemigaqo-nkqubo yawo yokuboleka ngokubambisana ngaphambi kokufaka isicelo.

Yeyiphi eminye imingcipheko enokuthi iNxulunyaniswe nokuSebenzisa i-HELOC?
Njengalo naluphi na uhlobo lwetyala, kukho iingozi ezibandakanyekayo ekuthatheni i-HELOC.Qinisekisa ukuba uyaziqonda ezi zinto ngaphambi kokuba uzibophelele:
Umngcipheko #1: Ukusilela ekuhlawuleni iTyala: Ukuba uyasilela ukwenza iintlawulo ngexesha, umbolekisi angalivala ikhaya lakho.Oku kuya kucima nayiphi na ibhalansi eseleyo kwaye kubangele ilahleko enkulu yemithombo yobutyebi etyalwe ukuza kuthi ga ngoku.Ngoko ke, soloko ubeka phambili iintlawulo ngexesha elifanelekileyo ngaphezu kwesinye
Umngcipheko #2: Uguquguquko lweMarike: Njengoko kukhankanyiwe ngaphambili, ukunyuka kwamaxabiso emarike kuvumela ababoleki ukuba banyuse intambo yetyala xa behlaziywa okanye benikwa inkxaso- kodwa kwenzeka ntoni ukuba amaxabiso ezindlu aye ehla endaweni yoko?Ungazifumana utyala ngaphezulu kwexabiso lemarike yangoku yekhaya lakho, okukhokelela kuxinzelelo lwezemali.Soloko uphonononga imingcipheko enokubakho ngaphambi kokuba uzibophelele kuyo nayiphi na into yexesha elide.

Iingcamango zokuvala

Ngelixa aHELOCinika uncedo oluninzi, kubalulekile ukuba uqhubeke ucingisisa kwaye uqwalasele imeko yakho yemali ngononophelo phambi kokuba utyikitye naziphi na izivumelwano.Qinisekisa ukuba ubuza imibuzo, uthelekise iindlela zokuboleka imali, kwaye ukhethe ngobulumko ngokweemeko ZAKHO ezizodwa.Khumbula, xa amaxwebhu asayiniweyo naqaliswayo egqityiwe, ungalibazisi ukufuna isikhokelo ukuba kuvela ubunzima kwindlela eya phambili – kuba ekugqibeleni, impilo yakho yezemali ibaluleke kakhulu!

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 - Ukuvula iiNzuzo kwiiNdleko zokuvala eziphantsi kunye neSigwebo esihlawulwa kwangaphambili

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.