Kudzorera zvikwereti zvekare zvinopa pfungwa kune vamwe veimba
The Basics
Kungofanana nechikwata chekubhadhara mari, reverse mortgage inoshandisa imba yako sechisungo .
Zvisinei, zvikwereti izvi zvakasiyana nenzira shomanana, zvichiita kuti "reverse" chikamu chezita racho. Chokutanga, unogamuchira mari panzvimbo pokubhadhara mari kune waunokwereta mwedzi mumwe nomumwe. Chechipiri, chikwereti chemari yako yekukwereta inokura kupfuura nguva, kunze kwekuderera nebhadharo roga roga roga roga
Iyo pfungwa inoshanda saiyo yechipiri chekutengesa kana chikwereti chekuwana chikwereti. Zvisinei, kushandiswa kwemari yekutengesa kunowanikwa chete kune vimba vekumba vane makore makumi matanhatu nekure, uye iwe kazhinji haufaniri kubhadhara zvikwereti izvi kusvikira wapinda mumba mako.
Kudzorera zvikwereti zvinogona kupa mari chero chipi zvacho chaunoda, kubva kuwedzera kubhadharwa mari yekubhadhara mari kune imwe nzvimbo yekuvandudza purojekiti. Chero bedzi paunosangana nezvinodiwa (ona pasi apa), iwe unogona kushandisa mari yekuwedzera mamwe mitsva yemari kana mari yaunenge waunganidza. Zvisinei, usangosvetuka pane tarisiro yemari nyore; idzi zvikwereti zvakaoma , uye dzinoderedza zvinhu kune vagari venhaka.
Kunyange zvazvo zvinyorwa zvitsva zvezvikwereti zvitsva zviripo, chimwe chezvinhu zviri nani ndeyeImba Equity Conversion Mortgage (HECM) inowanikwa kuburikidza neHerald Housing Administration . IHECM inowanzobhadhara mari kune vanokwereta nemhaka yehurumende inotsigira, uye mitemo yezvikwereti izvi inoita kuti vashandise-vane ushamwari.
Unogona Kuwana Zvakawanda Sei?
Nhamba yemari yaunowana inobva pane zvimwe zvinhu zvizere uye inobva pane kuverenga kunoita kuti tifungidzire kuti inguva yakareba sei chikwereti chichagara.
Equity: Kana uine hutano hwakanyanya mumba mako, iwe unogona kutora. Kune vakawanda vanokwereta, zvakanakisisa kana iwe uri kubhadhara chikwereti chako kwemakore mazhinji uye chikwereti chako chakanenge chabhadharwa zvachose.
Chido chekudarika: Zvikamu zvekuderera zvishoma zvinoreva zvakawanda zvekukweretesa kwako chikwereti kune iwe semari pane kubhadhara chikwereti chekufarira.
Zera: Zera remukwereti wechidiki pane chikwereti chinobatawo kuti unowana zvakawanda sei, uye vakweretwa vakwegura vanogona kutora zvimwe. Kana iwe uchiedzwa kuti usabvisa mumwe munhu muduku kuti awane mari yakakwirira, nyatsoteerera nokuti mumwe mudiki anenge achifanira kubuda kunze kwekufa kwevakwegura vakwegura kana mudiki asina kubatanidzwa muchikwereti.
Mawaniro Ekuwana Mari Yokubhadhara
Sarudzo yako yekuwana mari inokosha zvakare. Iwe unogona kusarudza kubva pane dzimwe nzira dzekubhadhara.
Lump sum: Nzira yakanakisisa ndeyokutora mari yose kamwe. Nechisarudzo ichi, chikwereti chako chinogadziriswa chikwata chekuda , uye chikwereti chako chechikwereti chinongokura kupfuura nguva sekuwedzera kwekufarira.
Periodic payments: Unogonawo kusarudza kugara uchibhadhara-pamwedzi, semuenzaniso.
Mari iyo inogona kupedzisira yehupenyu hwako hwose, kana kwenguva yakatarwa, yakadai semakore gumi. Kana chikwereti chako chikazoitika nokuti vose vakakwereta vakabuda kunze kweimba, mari yacho inoguma. Nokubhadhara kwoupenyu, zvinogona kutora zvinopfuura iwe uye wako chikwereti chaunotarisira kana uchirarama hupenyu hwakareba hurefu.
Mutsara wechikwereti: Panzvimbo pokutora mari pakarepo, unokwanisa kusarudza rutsva rechikwereti , izvo zvinokubvumira kukwevera mari kana iwe uchida. Kubudirira kweizvi nzira ndeyekuti iwe unongobhadhara chikwereti pamari yawakakwereta, uye iwe mutsara wekwereti unogona kukura kupfuura nguva.
Kusanganiswa: Haigoni kusarudza? Iwe unogona kushandisa kusanganiswa kwezvirongwa zviri pamusoro. Semuenzaniso, unogona kutora chiduku chiduku kumusoro uye kuchengetedza mutsara wechikwereti zvekare.
Kuti uwane kukosha kwekuti iwe unogona kutora zvakawanda sei, edza National Reverse Mortgage Lenders Association's calculator.
Zvisinei, mairi chaiwo uye mari inoshandiswa nemutengi wako ichasiyana nemafungiro anoshandiswa.
Reverse Mortgage Costs
Sezvo kune imwe mimwe chikwereti chemusha, iwe uchabhadhara chikwereti nemari kuti uwane reverse mortgage. Nhoroondo, mari inenge ichinyanya kuve yakakwirira, asi nemakwikwi akawanda emakwikwi ave achivandudza zvimwe. Kunyange zvakadaro, iwe unofanirwa kubhadhara kutarisa uye kuenzanisa zvipo kubva kune vakweretesi vakawanda.
Mari inowanzobhadharwa mari, kana kuti yakavakirwa mune chikwereti chako. Mune mamwe mazwi, iwe haunyore cheki kuitira kuti iwe urege kunzwa zvinhu izvi, asi iwe uchiri kuripa, pamwe nekufarira.
Mitero inoderedza kuwanda kwehutano hwakasara mumba mako, iyo inosara zvishoma kune yeimba yako kana iwe kana iwe uchitengesa imba uye uchibhadhara chikwereti. Kana iwe uine mari iripo, zvingave zvakachenjera kubhadhara mari iri muhomwe panzvimbo yekubhadhara chikwereti kune iyo mari yezvizvarwa zvinouya.
Kuvhara mari: Iwe uchabhadhara zvimwe zvekuvhara zvakafanana zvinodiwa zvekutenga pamba kana kugadzirisa. Somuenzaniso, iwe unoda kuongorora, unoda magwaro akaiswa, uye wako chikwereti achaongorora chikwereti chako. Zvimwe zvezvikwereti izvi zvinopfuura kwekutonga kwako asi mamwe anogona kutarisirwa nekuenzaniswa. Semuenzaniso, mari yepakutanga inokonzerwa kubva kune chikwereti kuendesa chikwereti, asi nzvimbo yako yekurekodha yekodhi inoshora zvakafanana zvisinei kuti ndiani waunoshandisa.
Kushumira mari: Unogona kugadzika matanho kana ukaona mari yaunoshandisa mari yako yaunowana pamwedzi kubva kune imwe nyika. Iko kune mirefu ekukwirira kweHECM mari, asi ichiri kukoshesa kutenga kutenderera kune iyo yakaderera-yebhadhati chikwereti.
Inishuwarenzi: Nemhaka yekuti HECM inotsigirwa neFHA, iyo inoderedza ngozi kune wako chikwereti, iwe unobhadhara mubayiro weFHA. Yako yekutanga mortgage inshuwalimendi (MIP) iri pakati pe1,5% uye 2.5 muzana, uye iwe uchabhadhara mari yegore negore ye 1.25 muzana yemari yako yemari.
Kufarira: Iwe uchabhadhara chikwereti pane chero mari yawakatora kuburikidza nemari inotora chikwereti.
Kudzokorora Mubhadharo
Iwe haubatsiri pamwedzi pamutengo wemari. Pane kudaro, chikwereti chemari chikwereti chinokonzerwa apo uyo anenge akwereta achibva abuda mumba, kazhinji paanofa kana kuti imba inotengesa. Zvisinei, uri kutora chikwereti chinoda kubhadharwa, iwe haufaniri kuzviona.
Chikwereti chako chose chichava mari yemari yaunotora mumari pamwe chete nemari yemari yawakakwereta . Mune zviitiko zvakawanda, chikwereti chako chinokura kupfuura nguva nokuti uri kukwereta mari uye usati uchitora mari, uye iwe ungatove uchikwereta kune mwedzi mumwe nomumwe.
Kana chikwereti chako chikauya, chinofanira kubhadharwa. Mari yechikwereti inowanzodiwa kana vose vakwereta vane "zvachose" vakabuda. Zvisinei, kudzoka kwekwereti kunogona kuuya zvakare kana iwe ukakundikana kugamuchira zvinyorwa zvechibvumirano chako kana iwe usingabhadhara mari yako yemitero, somuenzaniso.
Zvizhinji zvekare zvikwereti zvemari zvinotora mari kuburikidza nokutengeswa kwemusha. Somuenzaniso, mushure mekufa kwenyu, imba inoenda pamusika, uye nzvimbo yako inogamuchira mari inogona kushandiswa kubhadhara chikwereti. Kana iwe ukasarudza kuenda uye ukawana iwe chikwereti chiduku pamusana pekutora chikwereti kupfuura iwe kutengesa imba, iwe unowana kuchengetedza musiyano.
Kana iwe une chikwereti kupfuura iwe kutengesa imba, haufaniri kuripa mutsauko neHECM; mune mamwe mazwi, iwe "unokunda." Zvizhinji zvekare zvikwereti zvekare zvinorega kubvumira chikwereti chikwereti kudarika kukosha kwehutano hwemusha, kunyange kuchinja kwemusika kunogona kuunza kukwana kuduku kudarika pawakatora chikwereti.
Mune zvimwe zviitiko, vagari venhaka vachasarudza kuchengeta imba. Muchiitiko ichocho, chikwereti chakazara chekubhadhara chikwereti, nokuti kana chikwereti chikwereti chakakwirira kudarika kukosha kweimba. Vagari venhaka vako vachada kuti vauye nekusiyana kana vachida kuchengetedza imba mumhuri.
Zvinoda Kuwana Mari
Kuti uwane chikwereti chekubhadhara chikwereti, iwe uchada kusangana nedzimwe nzira dzinokosha.
Mitemo inokosha:
- Imba ndiyo nzvimbo yako yekugara. Iwe haugoni kushandisa chivako chepamba, semuenzaniso.
- Iwe uri wemakore makumi matanhatu nematanhatu.
- Iwe hausi kudarika kune chikwereti chero chipi zvacho chaunofanira kupiwa nehurumende yehurumende.
Kukwana kwakakwana: Kubva uri kutora mari kubva mumba mako, iwe unoda huwandu hwakawanda hwehutano mumba mako kuti utange kubva. Hapana chekwereti-ku-kukosha kuverenga sekunge iwe uine "forward" mortgage.
Mari dzinowedzera: Unofanirwa kuva nekwanisi yekuenderera mberi uchibhadhara mari inoshandiswa yakabatana neimba yako. Iwe unoda kuratidza kune uyo anokweretesa iwe unokwanisa kugadzirisa nemari. Izvi zvinovimbisa kuti imba yacho inochengetedza kukosha kwayo uye kuti iwe unoramba uine weimba. Semuenzaniso, iwe uchange uchida kugara uchichengetedza, mapirisa emitengo, uye mapeamisi emishuwarenzi emisha.
Mutsva: Haudi kuwana mari kuti uwane chikwereti chekubhadhara chikwereti nokuti hauna kutarisirwa kubhadhara chikwereti.
Kupa mazano: Pamberi peHECM yako isingabhadharwi mari, iwe unofanira kuenda kune "mutambo weruzivo rwevatengi" neHUD-inobvumirwa neHECM. Izvi ndezvekuita kuti vashandi vanzwisise mari imwe neimwe nemigumisiro yekutora rudzi urwu rwechikwereti. Vadzidzisi vanoshandira sangano rakasununguka, saka vanofanirwa kupa ruzivo rusina kukodzera pamusoro pechigadzirwa.
Kutanga kutora chikwereti: Kana uchiri nemari yemari kumba kwako, unogona kuwana reverse mortgage. Vamwe vanhu vanotora chikwereti chemari kuitira kuti vabvise mari inowanikwa pamwedzi, kuburikidza nekubhadhara mari yezvikwereti pamusoro pekubhadhara kwavo kwekubhadhara chikwereti.
Zvisinei, reverse mortgage ichadikanwa kuva yekutanga yeimba iri . Kune vakawanda vanokwereta, izvo zvinoreva kubhadhara chikwereti chako chinotora chikwereti chikamu chechimwe chikwereti chako. Izvi zviri nyore kana iwe uine zvikamu makumi mashanu kubva muzana zvakaenzana mumba mako kana kupfuura.