Ziziphi iiMfuno zokuSebenzisa iCash-Out Seasoning?

Xa ujonga imakethi ye-mortgage yase-US, enye inkalo ebalulekileyo abanini-zindlu kunye nabatyali-mali bahlala bedibana nayo yimfuneko yokukhupha imali. Ukuqonda ukuba yintoni equkwa yimfuno ye-cash-out seasoning kubalulekile kuye nabani na ojonge ukonyusa i-equity yekhaya lakhe ngokufanelekileyo. Kweli nqaku, siphengulula kwiinkcukacha zokuphuma kwemali, siqinisekisa ukuba uyazi kakuhle phambi kokuba wenze izigqibo zemali.

Yintoni iMfuneko yeCash-out Seasoning?

Imfuneko ye-cash-out seasoning ibhekiselele kwixesha elisisinyanzelo ekufuneka umninimzi alilinde emva kokuthenga okanye ekuhlawuleni ngokutsha ipropati ngaphambi kokuba akhuphe imali.Refinance. Eli xesha libalulekile kuba livumela ababolekisi ukuba baqinisekise ukuba ipropati igciniwe okanye inyukile ixabiso, ukuqinisekisa ukuba umnini-ndlu une-equity eyaneleyo ukuze athethelele i-cash-out refinance.

Ngokuqhelekileyo, imfuneko ye-cash-out seasoning imiselwe kwiinyanga ezi-6 ukuya kwezi-12, ngokuxhomekeke kumboleki kunye nohlobo lwemboleko. Oku kuthetha ukuba abanini-zindlu kufuneka balinde ubuncinane iinyanga ezintandathu ukususela kumhla wokuvalwa kwetyala labo lokuqala lokuboleka imali okanye i-refinance yangaphambili ngaphambi kokuba bafake isicelo se-cash-out refinance. Nangona kunjalo, kubalulekile ukuqaphela ukuba iimfuno ezithile zinokwahluka ngokusekelwe kumbolekisi kunye neprofayili yemali yomninimzi.

Kutheni iCash-out Seasoning ibalulekile?

Ukuqonda ukuba yintoni imfuneko ye-cash-out seasoning kubalulekile ngenxa yezizathu ezininzi. Okokuqala, ikhusela ababolekisi ngokuqinisekisa ukuba abaninimzi banemali ezinzileyo kwaye ixabiso lepropathi alizange lehle ukususela ekuthengweni okanye ekuhlaziyweni ngokutsha. Okwesibini, ikhusela abaninimzi ukuba batshintshe ngokukhawuleza iipropati ngenzuzo ngaphandle kokuseka ukulingana kwangempela.

Kubanikazi bezindlu, ukuhlangabezana nemfuneko ye-cash-out seasoning kunokuvula iingcango zokufikelela kwiimali ezibalulekileyo. Ezi mali zingasetyenziselwa iinjongo ezahlukeneyo, ezifana nokuphucula ikhaya, ukudibanisa amatyala, okanye enye imaliutyalo-malis. Nangona kunjalo, ukusilela ukufikelela kwiimfuno zesinongo kunokukhokelela ekukhatyweni kwezicelo okanye kwimimiselo enganeno yemali-mboleko.

Ukujonga iiMfuno zeCash-Out Seasoning

Ukuhamba ngokuphumelelayo imfuno ye-cash-out seasoning, abaninikhaya kufuneka bacwangcise izicwangciso zabo zezimali kwangaphambili. Kuyacetyiswa ukuba udibane neengcali ze-mortgage ezinokukunika isikhokelo esilungiselelwe imeko yakho ethile. Ukongeza, ukugcina amanqaku amahle etyala kunye nokuqinisekisa ukuba ubhatalwa kwangexesha lokubambisa kunokonyusa ukufaneleka kwakho kwimali ephumayo emva kokuba ixesha lonyaka liphelile.

Ukuqukumbela, ukuqonda ukuba yintoni imfuneko yemali-mboleko yemali-mboleko ibalulekile kuye nabani na ocinga ngokuphuma kwemali kwakhona kwimarike ye-mortgage yase-US. Ngokwaziswa kunye nokulungiswa, abaninimzi banokwenza izigqibo ezicwangcisiweyo zemali ezihambelana neenjongo zabo zexesha elide. Soloko udibana nomcebisi wezezimali okanye ingcaphephe yezemali mboleko ukuze uqinisekise ukuba uyahlangabezana nazo zonke iimfuno eziyimfuneko kwaye wenze okuninzi ngokulingana kwekhaya lakho.