Ukuqonda iHome Equity Line of Credit: Annual Fee Insights

Xa kuqwalaselwa iLingano yeKhayaUmgca weTyala(HELOC), ukuqonda iindleko ezinxulumeneyo, ngokukodwa umrhumo wonyaka, kubalulekile. I-HELOC inokuba sisixhobo esixabisekileyo sezemali kubaninimzi abajonge ukukhulisa ukulingana kwamakhaya abo, kodwa kubalulekile ukuqaphela zonke iintlawulo ezibandakanyekayo ukwenza isigqibo esinolwazi. Eli nqaku lijonga iinkcukacha zomrhumo wonyaka onxulunyaniswa ne-Home Equity Line of Credit kunye nokuba ichaphazela njani isicwangciso sakho sezemali.

I-Home Equity Line of Credit (HELOC) ivumela abanini-zindlu ukuba baboleke ngokulinganayo kwi-equity kwikhaya labo, ibonelela ngomgca obhetyebhetye wetyala onokuthi usetyenziselwe iinjongo ezahlukeneyo ezifana nokuphuculwa kwekhaya, ukuqinisa amatyala, okanye iindleko ezingalindelekanga. Ngokungafaniyo nemboleko yemveli, i-HELOC isebenza ngakumbi njengekhadi letyala, apho unokuboleka kwaye ubuyisele imali njengoko kufuneka ngexeshaZoba iXesha.

Enye yeendleko eziphambili ezinxulumene ne-HELOC yintlawulo yonyaka. Umrhumo wonyaka yintlawulo eqhubekayo ekufuneka abaninimzi bayihlawule ngonyaka ngamnye ukugcina umgca wabo wetyala. Lo mrhumo unokwahluka kakhulu ngokuxhomekeke kumbolekisi kunye nemigaqo ye-HELOC. Ngokuqhelekileyo, umrhumo wonyaka uvela kwi-$ 50 ukuya kwi-$ 100, kodwa ingaba phezulu okanye iphantsi ngokusekelwe kwisivumelwano esithile.

Kubalulekile ukubala umrhumo wonyaka xa kubalwa iindleko zizonke zeHome Equity Line of Credit. Nangona umrhumo wonyaka unokubonakala umncinci xa kuthelekiswa neenzuzo ezinokubakho ze-HELOC, inokongeza ngokuhamba kwexesha, ngakumbi ukuba ugcina umgca wetyala iminyaka emininzi. Umzekelo, ukuba umrhumo wakho wonyaka yi-75 yeedola kwaye ugcine i-HELOC ivulekile iminyaka eyi-10, yimali eyongezelelweyo ye-750 yeedola.

Xa uthengela i-HELOC, kubalulekile ukuthelekisa umrhumo wonyaka phakathi kwababolekisi abahlukeneyo. Abanye ababolekisi banokunikezela ngamaxesha okuthengisa ngaphandle komrhumo wonyaka wonyaka wokuqala okanye barhoxise umrhumo ngokupheleleyo njengenxalenye yomnikelo okhethekileyo. Nangona kunjalo, kubalulekile ukufunda umbhalo ocacileyo kwaye uqonde ukuba intlawulo iya kusetyenziswa nini kwaye njani kwiminyaka elandelayo.

Ukongeza kumrhumo wonyaka, abaninimzi bafanele baqwalasele ezinye iindleko ezinxulumene ne-Home Equity Line of Credit, njengemirhumo yesicelo, imirhumo yokuvavanya, kunye neemali ezinokubakho zokuphelisa kwangoko. Ngokuqonda zonke iindleko ezibandakanyekayo, unokuvavanya ngcono ukuba i-HELOC sisixhobo esifanelekileyo sezemali kwiimfuno zakho.

Ukuqukumbela, umrhumo wonyaka ngumba obalulekileyo we-Home Equity Line of Credit ekufuneka abaninimzi beyiqwalasele. Nangona kubonakala ngathi yindleko encinci, igalelo kwiindleko ezipheleleyo zokugcina i-HELOC. Ngokuphanda ngokucokisekileyo kunye nokuthelekisa iinketho ezahlukeneyo ze-HELOC, unokufumana umgca wekhredithi onikezela ngeyona migaqo ingcono kwaye unciphise iindleko ezongezelelweyo, ukuqinisekisa ukuba wenza uninzi lwe-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.