Yandisa uTyalo-mali lwakho ngoTyalo-mali i-HELOC: Akukho vimba uFunwayo

Ngaba ungumtyali-mali ojonge ukwandisa ipotfoliyo yakho ngaphandle kokubophelela imali yakhoOovimba? AnUtyalo-maliHELOCngeAkukho vimba ofunekayoinokuba sisicwangciso semali esisidingayo. Nantsi indlela onokuyisebenzisa ngayo le ndlela intsha:

Yintoni uTyalo-mali lwe-HELOC?

AnUtyalo mali HELOC(I-Home Equity Line of Credit) ivumela abaninimzi ukuba baboleke ngokulinganayo kwi-equity kwipropati yabo. Ngokungafaniyo nemali-mboleko yemveli, inika umgca ojikelezayo wetyala, onokuthi utsale njengoko kufuneka, ubuyisele, kwaye uphinde udwebe kwakhona. Oku bhetyebhetye kubhenela ngakumbi kubatyali-mali abafuna ukufikelela okuqhubekayo kwinkunzi.

I-Advanteji yokungabikho koVimba ofunekayo

1. Ubumanzi: kunyeAkukho vimba ofunekayo, ugcina imali oyibekileyo injalo. Le mali yokuhlawula amatyala inokubaluleka kwiingxowa-mali zikaxakeka okanye amanye amathuba otyalo-mali anokuthi avele ngokungalindelekanga.

2. Ukuguquguquka koTyalo-mali: Ungasebenzisa iUtyalo mali HELOCukuxhasa:

   • Ukufunyanwa kwemihlaba.
   • Ukulungiswa kwepropati ukwandisa ixabiso.
   • Iintlawulo eziphantsi kutyalo-mali olutsha.
   • Ukwahluka kwezinye izithuthi zotyalo-mali ezifana nezitokhwe okanye ukuqala ishishini.

3. Umgangatho wenzala: Ngokwesiqhelo,Investment HELOCszibonelela ngenzala eyohlukeneyo ehlala ingaphantsi kunemali mboleko engakhuselekanga okanye amakhadi okuthenga ngetyala. Oku kwenza ukuba ukuboleka kube neendleko ezithe kratya.

Ulufanelekela njani uTyalo-mali i-HELOC ngaphandle koovimba

• Ukulingana: Kufuneka ube ne-equity enkulu kwikhaya lakho. Ababolekisi badla ngokuvumela ukuboleka ukuya kuthi ga kwi-80-85% ye-equity yekhaya lakho.
• Inqaku leTyala: Amanqaku alungileyo etyala anokunceda ukukhusela amaxabiso angcono, nokubaAkukho vimba ofunekayo.
• Uzinzo lwengeniso: Ngelixa oovimba bengafunwa, ukubonisa ingeniso ezinzileyo okanye isicwangciso esiluqilima sotyalo-mali kunokuqinisekisa ababolekisi ngesakhono sakho sokubuyisela.

Ukusetyenziswa koTyalo-mali ngoBuchule HELOC

• Izindlu ezithengiswayo: Thenga iipropati ezongezelelekileyo okanye uhlaziye ezisele zikhona ukunyusa ingeniso yerenti okanye ixabiso lentengiso.
• NONE: Ngaphaya kwe-real estate, ungajonga ezinye iindlela zotyalo-mali ngaphandle kokungena koovimba bakho.

Ukuqukumbela

AnUtyalo mali HELOCngeAkukho vimba ofunekayoivula ihlabathi lamathuba otyalo-mali ngaphandle kokubeka esichengeni umnatha wakho wokhuseleko lwezemali. Le ndlela ikuvumela ukuba:

• Ukugcina imali yokuhlawula amatyala ngexesha likaxakeka okanye amanye amathuba otyalo-mali.
• Ukufikelela kwiimali kutyalo-mali kumazinga enzala anokuthi asezantsi.
• Kuphephe ukubophelela imali oyigcinileyo, enokusetyenziselwa ezinye iinjongo okanye igcinwe njengokhuselo lwemali.

Ngokukhetha iUtyalo mali HELOCngeAkukho vimba ofunekayo, awuboleki nje imali; uzibeka kwindawo enobuchule ekukhuleni nasekuzinzeni kwezemali. Khumbula, ngelixa olu khetho lubonelela ngokuguquguquka, soloko uqinisekisa ukuba unesicwangciso esilungileyo sotyalo-mali ukwenza uninzi lwesi sixhobo sezemali.

Yenza utyalo-mali lwakho olulandelayo luhambe ngokuzithemba, luxhaswa ngamandla eUtyalo mali HELOCngeAkukho vimba ofunekayo.