Imali-mboleko yoBulungisa kwiKhaya yokuNceda iTyala kunye noPhuculo

Ukulawula imali njengomninimzi kunokuziva kunzima, ngakumbi ngamatyala anenzala ephezulu okanye ukuphuculwa kwekhaya eliphuphayo. Imali-mboleko yoBulungisa kwiKhaya, ekwabizwa ngokuba siSiphelo esivaliweyomboleko yesibini(CES) okanye i-Second Mortgage, ibonelela ngesisombululo ngokusebenzisa i-equity yekhaya lakho kwi-equity financing. Olu hlobo lwemali-mboleko lusebenza ngokukodwa kwimali-mboleko yokudibanisa amatyala kunye nokuxhaswa ngemali yokuphucula ikhaya, kukunceda wonge imali kwaye uphucule ipropathi yakho. Makhe singene kwindlela i-CES enokuyilungisa ngayo imeko yakho yezemali.

I-Home Equity Loan izisa isixa-mali ngeUmdla osisigxinaintlawulo, ihlawulwe ngezavenge zenyanga ezingaguqukiyo. Esi sakhiwo senza ukuba igqibelele ekuhlanganiseni amatyala. Umzekelo, ukuba ujongana neebhalansi zekhadi letyala kunye namaxabiso angaphezu kwama-20%, imali mboleko yokudibanisa amatyala ngeCES inokwehlisa inzala yakho iye kwi-6-10%, icuthe iintlawulo zenyanga kunye neendleko zizonke. Ngokudibanisa amatyala amaninzi kwi-Mortgage yesiBini enye, wenza lula uhlahlo lwabiwo-mali kwaye ugxile ekuhlawuleni inqununu ngokukhawuleza.

Ngaphandle koncedo lwetyala, inkxaso-mali yokuphucula ikhaya lolunye usetyenziso olunyanzelisayo kwiMali-mboleko yesiBini evaliweyo. Nokuba yongeza umgangatho omtsha okanye uphucula inkqubo yakho ye-HVAC, i-CES ibonelela ngemali ngaphambili ngaphandle kokuchukumisa imali yakho yokubambisa. Olu tyalo-mali luhlala lulonyusa ixabiso lekhaya lakho, lusenza iMali-mboleko ye-Home Equity inyathelo elicwangcisiweyo. Umzekelo, i-50,000 yeedola ehlaziyiweyo exhaswa yi-Second Mortgage inokunyusa ixabiso lepropathi yakho nge-75,000 yeedola, inika intuthuzelo kunye nembuyekezo yexesha elizayo.

Ukufaneleka kwi-CES kufuna ukuqinisekiswa okupheleleyo kwe-doc-i-stubs yokuhlawula, i-W-2s, kunye namanqaku ekhredithi angama-620 ubuncinane. Nangona kunjalo, iinketho ze-doc ezizezinye ziyazuza, zivumela ababoleki abanengeniso engaqhelekanga ukuba bangenise izitetimenti zebhanki endaweni yoko. I-CES ezimeleyo inomtsalane ngakumbi, njengoko ingaphazamisi imali yakho yokubambisa ekhoyo, ngokungafaniyo nemali mboleko yehagu esetyenziswa ngexesha lokuthenga ikhaya ukuhlawula iintlawulo. Nge-CES ezimeleyo, ufikelela kwinkxaso-mali yobulungisa kwiimfuno ezithile, njengamatyala onyango okanye imfundo, ngelixa ugcina imali-mboleko yakho yokuqala injalo.

Ngelixa i-Home Equity Loan ibonelela ngamaxabiso aphantsi kunemali-mboleko engakhuselekanga, ikhuselwe likhaya lakho, oko kuthetha ukuba iintlawulo eziphosiweyo zinokubeka emngciphekweni wokuthinjwa. Ukunciphisa oku, boleka kuphela into oyifunayo kwaye uqinisekise ukuba umlinganiselo wetyala lakho ukuya kwingeniso (DTI) uhlala ungaphantsi kwama-43%. Sebenzisa iikhaltyhuleyitha ezikwi-intanethi ukuqikelela ukulingana kwakho kwaye uthelekise unikezelo lwababolekisi ukuze ufumane eyona migaqo ye-CES.

Ngokwenyani, i-Closed-End-End Second Loan sisixhobo esiguquguqukayo semali-mboleko yokuqinisa amatyala kunye nenkxaso yokuphucula ikhaya. Ngokungena kwi-equity financing, unokuhlengahlengisa imali kwaye utyale imali kwikamva lekhaya lakho. Nokuba ukhetha i-doc epheleleyo okanye enye i-doc underwriting, i-Second Mortgage ingahlahlel indlela yozinzo lwezemali xa isondela ngokucingisiswayo.