Iindaba zeshishini
Ukuvula iiNdlela zakho zoMgangatho weFlexible ngoTyalo-mali lwe-HELOC
Ngaba ujonge ukonyusa i-equity kwikhaya lakho ukutyala imali kwezinye iipropathi okanye amashishini? Anutyalo-maliHELOCingaba sisitshixo sokuvula amandla akho emali ngeUkufaneleka okubhetyebhetyeiikhrayitheriya ezilungiselelwe iimfuno zakho. Nantsi indlela onokuzuza ngayo kwesi sixhobo sinamandla sezemali:
Ukuqonda Investment HELOC
AnUtyalo mali HELOC(I-Home Equity Line of Credit) ivumela abaninimzi ukuba baboleke ngokulinganayo kwi-equity kwipropati yabo. Ngokungafaniyo mboleko zemveli, iUtyalo mali HELOCibonelela ngetyala elijikelezayo, okuthetha ukuba unokuboleka, ubuyisele, kwaye uboleke kwakhona njengoko kufuneka. Olu bhetyebhetye luluncedo kakhulu kubatyali-mali abafuna inkunzi ngokuqhubekayo.
Kutheni Khetha i-HELOC yoTyalo-mali?
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Ukufaneleka okubhetyebhetye: Iimali-mboleko zemveli zinokuba neemfuneko ezingqongqo, kodwaInvestment HELOCsrhoqo ukuza nokungaphezuluUkufaneleka okubhetyebhetyeimigangatho. Oku kunokubandakanya:
- Iimfuno zamanqaku etyala asezantsi.
- Amatyala aphezulu ukuya kumlinganiselo womvuzo.
- Ukuqinisekiswa okuncinci kwengeniso, ngakumbi ukuba isicwangciso sakho sotyalo-mali sibonisa ukuba kukho imbuyekezo ephezulu.
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Umgangatho wenzala: Ngokwesiqhelo, inzala ivuliweInvestment HELOCsziyaguquguquka kodwa zingaphantsi kunezo mboleko zomntu okanye amakhadi okuthenga ngetyala. Oku kwenza kube lukhetho lwezoqoqosho ekuxhaseni utyalo-mali lwakho.
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Iinzuzo zeRhafu: Inzala ihlawulweInvestment HELOCsinokutsalwa irhafu ukuba imali isetyenziselwa ukuthenga, ukwakha, okanye ukuphucula kakhulu ipropati ekhusela imali-mboleko. Soloko udibana nomcebisi werhafu ukuze uqonde izibonelelo zakho ezithile.
Indlela yokuLungela uTyalo-mali i-HELOC
- Ukulingana: Udinga i-equity eyaneleyo kwikhaya lakho. Ngokubanzi, ababolekisi bayakuvumela ukuba uboleke ukuya kuthi ga kwi-80-85% ye-equity yekhaya lakho.
- Inqaku leTyala: NgelixaUkufaneleka okubhetyebhetyeluphawu, amanqaku afanelekileyo etyala asanceda ekufumaneni amaxabiso angcono.
- Uzinzo lwengeniso: Ukubonisa ukuba unomvuzo ozinzileyo okanye isicwangciso sotyalo-mali esiluqilima sinokuphembelela ababolekisi ngemali.
Ukusetyenziswa koTyalo-mali ngoBuchule HELOC
- Utyalo-mali lwezindlu: Sebenzisa imali ukuthenga iipropati ezongezelelweyo, ukuhlaziya ukwandisa ixabiso, okanye ukuhlawula iintlawulo.
- Iintlobo-ntlobo zoTyalo-mali: Ngaphaya kwezindlu nezindlu, unokutyala imali kwizitokhwe, uqale ishishini, okanye uxhase ngemali amanye amashishini anengeniso ephezulu.
Ukuqukumbela
AnUtyalo mali HELOCngeUkufaneleka okubhetyebhetyeiinketho zibonelela ngendlela yobuchule kubatyali-mali abafuna ukwandisa iipotfoliyo zabo. Ibonelela ngemali yokuhlawula amatyala efunekayo ukuze kuhluthwe amathuba otyalo-mali ngaphandle kwesidingo sokubhangisa ezinye ii-asethi. Ngokuqonda kunye nokusebenzisa iUtyalo mali HELOC, awuboleki nje imali; uzibeka kwindawo yobuchule yokukhula kwemali kunye nozinzo. Khumbula, ngelixa iUkufaneleka okubhetyebhetyeyenza ukuba ifikeleleke, soloko uqinisekisa ukuba unesicwangciso esilungileyo sotyalo-mali ukwenza uninzi lwesi sixhobo semali.
Yenza intshukumo yakho elandelayo kwilizwe lotyalo-mali ngokuzithemba, exhaswa ngamandla eUtyalo mali HELOC
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.