Indlela yokugcina nge-HELOC: Akukho Iinketho zoMrhumo woMboleki zichaziweyo

Xa kuziwa ekuxhaseni ngemali uphuculo lwezindlu, ukudibanisa amatyala, okanye ukuhlawula iindleko ebezingalindelekanga, iHome Equity Line of Credit (HELOC) lukhetho oludumileyo. Kodwa ubusazi na ukuba ungakhusela i-HELOC ngeAkukho ntlawulo yoMboleki? Eli nqaku lijonga indlela onokuthi wonge ngayo imali ngokukhethela i-HELOC ngaphandle komrhumo wombolekisi, uqinisekisa ukuba ufumana okuninzi kwi-equity yekhaya lakho.

Ukuqonda i-HELOC

I-HELOC, okanye iHome Equity Line yeTyala, luluhlu lwetyala olujikelezayo olukhuselwe yi-equity kwikhaya lakho. Ngokungafaniyo nemali mboleko yemveli, i-HELOC ikuvumela ukuba uboleke njengoko kufuneka, ukuya kumda omiselweyo, kwaye uhlawula inzala kuphela kwimali oyibolekileyo. Oku kuguquguquka kwenza i-HELOC ibe yinto ekhangayo kubaninimzi abaninzi.

I-Advanteji yoMrhumo woMboleki HELOC

Enye yeendleko ezibalulekileyo ezinxulumene nokufumana i-HELOC yintlawulo yombolekisi. Iintlawulo zombolekisi zingabandakanya iimali zesicelo, iifizi zokuvavanya, kunyeIindleko zokuvala, enokudibanisa ngokukhawuleza. Nangona kunjalo, amaziko emali amaninzi abonelela ngeenketho ze-HELOC ngaphandle kwentlawulo yombolekisi, ebonelela ngolondolozo olukhulu.

Indlela yokufumana uMrhumo ongaBolekiyo HELOC

1. Phanda kwaye uthelekise: Qala ngokwenza uphando ngababolekisi abahlukeneyo. Iibhanki ezininzi kunye neemanyano zamatyala zibhengeza ii-HELOC ezingenamrhumo wombolekisi. Thelekisa imiqathango yabo, inzala, kunye nophononongo lwabathengi ukuze ufumane eyona ntengiso ilungileyo.
2. Unyuso kunye neZibonelelo: Lumkela unyuso olulodwa. Abanye ababolekisi abaniki mali ye-HELOCs ngamaxesha athile okanye njengenxalenye yephulo lokuthengisa.
3. Thethathethwana: Sukoyika ukuthethana nombolekisi wakho. Ukuba unamanqaku alungileyo etyala kunye nembali eyomeleleyo yezemali, unokukwazi ukukholisa umbolekisi ukuba arhoxise iifizi.

Izibonelelo eziNgaphaya komrhumo woMboleki

Ngelixa eyona nzuzo iphambili yokungahlawulisi mali i-HELOC lugcino lweendleko, kukho ezinye iingenelo:

• Iindleko zokuqala eziphantsi: Ngaphandle kweentlawulo zomboleki, iindleko zokuqala zokumisela i-HELOC yakho ziyancipha kakhulu.
• IiNgxowa-mali ezininzi ezifumanekayo: Ngaphandle komrhumo wangaphambili, iimali zakho ezininzi ziyafumaneka ukuba uzisebenzise, ​​nokuba kukulungisa ikhaya, ukuqinisa amatyala, okanye ezinye iindleko.
• Ufikelelo oluLula kwiTyala: I-HELOC ibonelela ngomthombo wekhredithi oguquguqukayo onokufikelelwa njengoko kufuneka, okwenza kube lula ukulawula iindleko ezinkulu ekuhambeni kwexesha.

Ukuqukumbela

Ukukhetha i-HELOC engenamrhumo wombolekisi kunokukongela imali kwaye unikezele ngesixhobo sezemali esiguquguqukayo sokulawula iindleko zakho. Ngokuqonda izibonelelo kunye nokwazi indlela yokufumana ezona zivumelwano zingcono, unokwenza eyona mali ilungileyo yekhaya lakho ngaphandle komthwalo wemirhumo eyongezelelweyo. Nokuba uceba uhlaziyo olukhulu okanye ufuna umqamelo wemali, akukho mrhumo ongambolekiyo i-HELOC lukhetho olufanele ukuqwalaselwa.

Ngokujolisa kwiinketho ze-HELOC ezingenamrhumo wombolekisi, unokwandisa ukonga kwakho kwaye ukonwabele ukuguquguquka kwezemali okuza kunye nokuxhamla kwi-equity yekhaya lakho.

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.