Kudzorera Mortgages Tap Equity For Retirement
Izvo zvakasara zvekutengeserana kwemari yakambotambudzwa pamusoro pemakore kuburikidza nekuvhiringidzika, yakazara nemishumo yevanokweretesa vanokweretesa vachifungidzira kune vakwegura. Nhasi, mazita akanaka ekukweretesa masangano anoda kuti vanokwereta vawane mazano pamusoro pezvipingamupinyi nematambudziko vasati vadzokera kune imwe nyika inotora chikwereti. Zvinosuruvarisa, izvo zvakadaro hazvirevi kuti mwene weimba haazobvamburwi.
Imba Inopinda Pasi Inoshanda Sei?
Kudzorera zvikwereti zvekutengesa kunoita kuti mwene weimba aite chikwereti.
Panzvimbo yekubhadhara kune anokweretesa, uyo anokweretesa anotora chikwereti kune akakwereta. Maripo inogona kuitwa sezvinotevera:
- Chiyero chemari
- Mwedzi mumwe nomumwe, chero bedzi uyo anenge akwereta ari mumba
- Kufambira mberi kwenguva nenguva kuburikidza nemutsara wechikwereti
- Kusanganiswa kwezvimwe zvataurwa pamusoro apa
Ndiani Anokwanisa Kufanirwa Nokuda Kwemari?
Munhu wose anopfuura makore makumi matanhatu ane dzimba anogona kukwanisa kubhadharwa mari kana paine kukwana kwakakwana mumusha. Ndiyo mutsotsi, ane chikwata chakanaka kuti awane chikwereti, sezvinowanzo, nzvimbo yekutengesa 20% haina kukwana. Kana pane kukwana kukwana, chii chinoitika zvino?
- Panogara mari (s) ichabhadharwa.
- Kugadziriswa kunogadziriswa / kugadziriswa kuchadiwa, kana zvichifanira.
- FICO zvikoro hazvishandisi uye chikwereti chinyorwa hachirevi.
Zvinorevei Kudzorera Mari Inotora Mari?
Kufanana nekweretwa nguva dzose, vateresi varipa mari yekuwana mari. Iyi mitero inogona kuiswa mune chikwereti uye mari. Nemhaka yokuti hapana "mitero yakakwana," mari yacho ichasiyana zvichienderana neunokweretesa, vatengesi vechitatu uye vatengesi vakasarudzwa.
Kazhinji, mari yacho yakakwirira kwazvo. Chaizvoizvo, vateresi vanobhadhara:
- Mitengo yemainishuwarenzi epamberi. Iyi inshuwarensi inobhadhara kurasikirwa kune anokweretesa kana imba yako isingakoshi kudarika chikwereti chaunokwereta pamugumo wemari yako.
- Mwedzi unobhadhara mari. Vatengesi vanowanzobhadhara uyo anenge akwereta kuti abhadhara chikwereti chemwedzi.
- Purojekiti yezvikwereti kana mari yekushandisa. Iyi mari inowedzera kukwereta kwekweretesa pakuisa mari. Ndiyo mari iyi iri pasi pekuongororwa kwakawanda.
- Kazhinji kupfiga mari . Mari yekuvhara inosanganisira zvikwereti zvekurekodha, kukwidza kana kuvhara vamiririri, mutemo wenheyo , nezvimwewo.
Ungakwereta Zvii?
Nhamba yezvikwereti inowanikwa inobva kune rudzi rwechirongwa chekukwereta chakasarudzwa, mari yakawanda sei inosara mushure mekubhadhara kune zvikwereti zvekare zviripo nemakore akwereta. Wells Fargo ndiye anotungamira zvekudzokera kumadhenari.
Ndakawana shanduro yakawanda inowanikwa paIndaneti paWebsite Fargo Web site: Wells Fargo Loan Calculator. Ndakapinda muzera remakore makumi matanhatu nemashanu uye imba yakasununguka uye yakajeka inokwana $ 500,000. Kwekugadzirisa kwegore negore HECM (Imba Equity Conversion Mortgage) muchengeti wekudzoka akadzorera kukonzerwa kwekuvhara mari ye $ 20,943, nemari yekubhadhara mari inosvika $ 129,614, iyo inofarira gore rimwe nerimwe pa8,67%, iyo inogona kukwira yakakura se 13,67% pamusoro penguva ye chikwereti. Kubhadharwa kwemwedzi pamunowanikwa kune chikwereti ichi $ 949. Pazera remakore makumi manomwe nemashanu, zvakadaro, mari iyo yemwedzi wepamwedzi inokwira ku $ 1,401.
Ndeapi Mapurogiramu Aripo?
Vaya vashoma vanokweretesa vanopa zvikwereti zvakatarwa zvezvikwereti. Izvo zvakawanda zvezvimwe zvekare zvinotora zvikwereti zvinoshandiswa mari kuburikidza nekugadziriswa kwemari yekubhadhara chikwereti . Kufarira kunogona kugadzirisa mwedzi nemwedzi kana gore.
- Vatengesi vanobhadhara chikamu, chinoparadzaniswa pakati pevakweretesi.
- Nharaunda yacho, kana yakawedzerwa kune chirongwa chekuenzanisa , ichaenzana nehuwandu hwechikwereti.
- Nharaunda inowanzoti yakatorwa, zvinoreva kuti chiyero chinogona kuwedzerwa kusvika pachiyero chapamusoro uye hachikwiri. Caps inotangira kubva pa5 kusvika ku6 muzana pane gore rekugadzirisa kwehuwandu uye kubva pa10 kusvika ku11 muzana pamwedzi unoenderana nekugadzirisa.
Rudzi rwakakurumbira zvikuru rwekudzokera kune dzimwe nyika mazuva ano ndiImba Equity Conversion Mortgage, inopihwa neDhipatimendi reMari yeUnited States uye Urban Development.
I "HomeKeeper Mortgage" inobva kuna Fannie Mae. Fannie Mae anowana zvikwereti zvekare zvekare, anodzosera uye anovatengesa sevimbiso kune vatengesi. Kushandisa Wells Fargo Reverse Mortgage Calculator nemamiriro ekutanga, pazera remakore makumi matanhatu nemashanu, The HomeKeeper kutora mari yaizobhadhara $ 587 pamwedzi uye $ 1,381 ava nemakore 75.
Ndekupi Kwaunogona Kuwana Imba Inopera?
Vakawanda vanotora chikwereti nevatengi uye zvikwereti zvikuru zvinokweretesa vanotora revers mortgage products.
- I National Reserve Mortgage Lenders Association inoparadzanisa urongwa, hwakarongwa nehurumende, yevateresi vanobvumirwa vanobva kune dzimwe nyika.
- Dhipatimendi reZvumba uye Urban Development rinobudisawo mazita evaridzi vanobvumirwa neHUD. Yeuka kutarisa bhokisi iro rinogumira kutsvaga kune vanokweretesa vakapedza chikwereti cheHECM mumwedzi 12 yapfuura.