Ukuvula i-Equity yaseKhaya ngeeMali-mboleko ezivaliweyo zeSibini

Ubunini bezindlu bunikezela ngaphezu kwendawo yokuhlala-yinto yemali enokuthi ivule amathuba ngenkxaso-mali ye-equity. Esinye isixhobo esinamandla sokungena kobu butyebi siSiphelo esivaliweyomboleko yesibini(CES), edla ngokubizwa ngokuba yiMali-mboleko yoBulungisa beKhaya okanye i-Second Mortgage. Olu hlobo lwemali mboleko luvumela abanini-zindlu ukuba baboleke isixa-mali ngokuchasene ne-equity yamakhaya abo, enikezela ukuguquguquka kwiinjongo ezifana nenkxaso-mali yokuphucula ikhaya okanye ukudibanisa amatyala. Kweli nqaku, siza kuphonononga ukuba isebenza njani i-CES kwaye kutheni ilukhetho oluphambili kwabaninzi.

Imali-mboleko yesiBini esivaliweyo yimali-mboleko emiselweyo ebonelela ngemali kwangethuba, ihlawulwe ngexesha elibekiweyo, ngokuqhelekileyo iminyaka emi-5 ukuya kwengama-30. Ngokungafaniyo nomgca ojikelezayo wetyala, i-CES ayikuvumeli ukuboleka okungaphezulu xa imali-mboleko ixhaswa, iyenza ilungele iindleko zexesha elinye. Umzekelo, ukuba ucwangcisa ulungiso olukhulu lwekhitshi, inkxaso-mali yokuphucula ikhaya ngeCES inokuhlawula iindleko ngaphandle kokuphazamisaAmabanga aphantsiimali-mboleko. Ngokufanayo, imali-mboleko yokuqinisa amatyala usebenzisa i-CES inokudibanisa iibhalansi zekhadi letyala elinenzala ephezulu ibe yintlawulo enye, enexabiso eliphantsi, igcine amawaka ngokuhamba kwexesha.

Ukuze bafanelekele i-Home Equity Loan, ababolekisi badla ngokufuna ukuqinisekiswa okupheleleyo kwe-doc, kubandakanywa iingxelo zengeniso, iimbuyekezo zerhafu, kunye nenqaku lekhredithi eliqhelekileyo ngaphezu kwe-620. Nangona kunjalo, iinketho ze-doc ezizezinye ziyavela, ezivumela ababoleki abazisebenzelayo okanye abo banengeniso engeyiyo eyemveli ukuba bafanelekele izitetimenti zebhanki okanye obunye ubungqina. Oku bhetyebhetye kwenza ukuba i-equity finance ifikeleleke kuluhlu olubanzi lwabaninimzi. Ababolekisi bakwavavanya umlinganiselo wemali mboleko-mali yendlu yakho (LTV), edla ngokubeka i-80-90% yemali-mboleko ekhoyo.

Olunye uhlobo olulodwa lwe-CES yi-CES ezimeleyo, esebenza ngokuzimeleyo kwi-mortgage yakho yokuqala. Ngokungafaniyo nemali-mboleko ye-piggyback-ehlala isetyenziselwa ukuphepha i-inshurensi ye-mortgage yangasese (PMI) ngokwahlula imali ekuthengeni-i-CES ezimeleyo ikhutshwa kamva, inikezela ngemali kwiimfuno ezithile. Ngokomzekelo, umninimzi unokusebenzisa i-Second Mortgage ukuxhasa imali yokufunda kwikholeji yomntwana, ukukhulisa i-equity ngaphandle kokubuyisela imali mboleko yakhe ephantsi.

Iinzuzo ze-Closed-End Second Loan zicacile: iintlawulo eziqikelelwayo, amaxabiso akhuphisanayo xa kuthelekiswa namakhadi okuthenga ngetyala, kunye nokukwazi ukutyala kwikhaya lakho okanye kwikamva lezemali. Nangona kunjalo, ukuboleka ikhaya lakho kunomngcipheko, njengoko ukusilela kungakhokelela ekuthinjweni. Phambi kokufaka isicelo, bala i-equity yakho ngokuthabatha ibhalansi yakho yemali-mboleko kwixabiso langoku lekhaya lakho kwaye uqinisekise ukuba imali-mboleko ihambelana nohlahlo lwabiwo-mali lwakho.

Isishwankathelo, i-CES ibonelela ngendlela ecwangcisiweyo yokufikelela kwinkxaso-mali ye-equity yenkxaso-mali yokuphucula ikhaya, ukudibanisa amatyala, okanye ezinye iinjongo. Nokuba ukhetha i-doc epheleleyo okanye enye indlela yokubhala phantsi, le-Second Mortgage inokutshintsha umdlalo xa isetyenziswa ngobulumko. Soloko uthelekisa ababolekisi ukuze bakhusele awona magama afanelekileyo kwaye ukhusele ixabiso lekhaya lakho.