Mhuri Equity: Chii ichocho uye kuti ungashandise sei
Isa imwe nzira, imba yekuenzanisa ndiyo chikamu chepfuma yako iyo iwe "chaicho" chaicho. Iwe zvechokwadi une imba yako, asi kana ukwereta mari kutenga iyo pfuma, wako chikwereti anewo chido mune zveimba kusvikira iwe uchibhadhara chikwereti .
Imba yekuenzanisira inowanzoitwa mari yeimba inokosha. Izvo zvinoshandiswa zvinogona kushandiswa gare gare muupenyu, saka zvakakosha kuti unzwisise kuti inoshanda sei uye kuti ingashandise sei nekuchenjera.
Musha Equity Example
Nzira yakareruka yokunzwisisa kuenzanisira ndeyokutanga nekutarisa kweimba uye kubvisa chikwereti chakweretwa pane chero zvikwereti. Izvozvo zvikwereti zvinogona kuva zvikwereti zvekutenga zvinoshandiswa kutenga imba kana yechipiri mari yekutora yakatorwa gare gare.
Fungidzira iwe wakatenga imba ye $ 200,000, wakaita 20% mubhadharo pasi , uye wakatora chikwereti kuvhara $ 160,000. Mumuenzaniso uyu, imba yako yekuenzanisa chikwereti chikamu makumi maviri kubva muzana yemari yeimba: Imba inokosha $ 200,000, uye iwe wakapa $ 40,000 - kana 20 muzana yemutengo wekutenga. Iwe unayo musha, asi iwe unongova "wega" $ 40,000.
Muchengeti wako haave nemugove weimba - technically, iwe une zvinhu zvose - asi imba iri kushandiswa sezvikwereti kune chikwereti chako .
Mutengi wako anotora chido chavo nekuwana chikwata paimba .
Iye zvino, funga kuti imba yako inokosha zvakapetwa kaviri (zvisingaiti, asi ichachengetedza nhamba dziri nyore). Kana zvakakosha $ 400,000 uye iwe uchiri we $ 160,000 chete, iwe une 60 muzana yekutengesa danda. Iwe unogona kuverenga izvozvo nokuparadzanisa chikwereti chechikwereti nehutengo hwemusika uye kubvisa chigumisiro kubva kune imwe (Google kana shanduro yega yega ichaverenga izvi kana ukashandisa 1- (160000/400000), uye ipapo uchada kutendeudza wedhidha kusvika chikamu ).
Chikwereti chako chemari chikwereti hachina kuchinja, asi imba yako yakakwana yakawedzera .
Kuvaka Equity
Sezvaunogona kuona, kuva nehuwandu hwakawanda chinhu chakanaka. Saka unowedzera sei kuenzana kwako?
Kubhadhara chikwereti: Sezvaunobhadhara pasi chikwereti chako, chikwereti chako chinowedzera. Zvikwereti zvizhinji zvemusha ndeyekuti amortizing zvikwereti nezvikwereti zvepamwedzi zvinowanikwa kune zvose zvaunofarira uye mukuru. Nokufamba kwenguva, mari inosvika kumutero mukuru unowedzera - saka iwe unovaka kuenzana pakuwedzera kwehuwandu gore negore.
Kana iwe ukaitika kuti une chikwereti chaunofarira-chikwata kana chimwe chikwata chemari chikwereti chisingatengi, hauiti kuenzana nenzira imwechete. Iwe unofanirwa kuwedzera kubhadhara mari yekuderedza chikwereti uye kuvaka hutano.
Mutengo kuonga: Unogonawo kuvaka kuenzana pasina kunyange kuedza. Kana imba yako ichiwana kukoshesa (nekuda kwekuvandudza mapurojekiti kana kuti yepamusoro misika yemashamba), kuenzana kwako kunowedzera.
Kuti uwane mamwe mashoko, verenga nezvekuvaka kuenzana (nekukurumidza kushanda) .
Kushandisa Home Equity
Equity ibasa, naizvozvo chikamu chetara rako rose rinokosha. Iwe unogona kutora mari kana kubvisa-kubhadhara mari yako kubva kune imwe nguva kana iwe uchida, kana iwe unogona kupfuudza pfuma kune vadyi venhaka. Pane nzira dzakawanda dzekuisa iyo mafasi kushanda.
Tenga imba yako inotevera: Zvichida haugari muimba imwechete nokusingaperi.
Kana iwe uchifamba, unogona kutengesa imba yako yazvino uye kuisa mari iyo kutenga imba yako inotevera. Kana iwe uchine chikwereti mari pane chero zvikwereti zvemari, haungasviki kushandisa mari yose kubva kune wako mutengi, asi iwe uchatora kushandisa yako kuenzana.
Borrow against the equity: Unogonawo kuwana mari uye unoshandisa iyo chero chinhu chipi zvacho chinoshandisa chikwereti chekodzero yeimba (inozivikanwawo sechipiri chikwereti). Varidzi vepamba vanowanzoshandisa mari iyi yekuvandudza pamba, kubhadhara dzidzo yepamusoro, kana zvimwe zvinangwa. Zvisinei, kuchenjera kuisa mari iyo kune imwe nguva yekutsvaga kwekugara mune ramangwana rako - kubhadhara yako ikozvino mari kune ngozi.
Mari yekurega basa: Unogonawo kushandisa mari yako pasi mumakore ako endarama uchishandisa reverse mortgage . Izvo zvikwereti zvinopa mari kune vakasiya mari uye hazvidi kuti zvibhadharwe pamwedzi - chikwereti chinowana chikwereti apo mwene weimba achibva mumba.
Kunyange zvakadaro, zvikwereti izvi zvakaoma uye zvinogona kugadzirisa matambudziko kune vimba neimba uye vagari venhaka .
Mhuri Equity Loans
Imba yemari chikwereti iri kuedza nokuti iwe unokwanisa kuwana dzimba guru remari - kazhinji pane zvishoma zvakaderera mutengo. Izvo zvakare zvinoreruka kukwanisa kubhadhara nokuti zvikwereti zvinochengeterwa neimba yekutengesa. Usati watora mari kubva mumba mako, tarisa kunyatsoona kuti zvikwereti izvi zvinoshanda sei uye kunzwisisa njodzi.
Kufananidza: Dambudziko guru rekushandisa imba yekuenzanisa nderokuti imba yako inobhadhara mari yechikwereti. Kana iwe usingakwanisi kubhadhara chikwereti chako, wako chikwereti anogona kutora imba mukutengesa uye kutengesa iyo kuti adzorere mari yavo. Izvozvo zvinoreva kuti iwe nemhuri yako muchada kuwana dzimwe dzimba-zvichida panguva isina kukwana - uye imba yenyu ingangodaro isingatengeswi nepamusoro-dollar.
Nzira yekukwereta: Kuti uwane chikwereti chemari yakakwana, iwe unoshanda nevakweretesi, sekunge kune imwe chikwereti. Uyo anokweretesa achaongorora kukosha kweimba yako, uye ivo vachapa mari yakawanda yaunogona kukwereta. Mune zviitiko zvakawanda, vateresi vanokwereta zvikwereti kusvika ku80 muzana kana kuti pasi pekukosha kweimba yako (inozivikanwa sechikwereti kuwedzera chiyero ). Iko kunoreva kuti yako yekutanga (kutenga) chikwereti pamwe chete nemamwe mimwe chikwereti chaunotora pairi inofanira kunge iri pasi pe80 muzana yehuwandu hwekuverengwa. Vatengesi vanoongororawo mari yako uye chikwereti chenhoroondo pakubvumira zvikwereti.
Mhando mbiri dzeKudenga Equity Imari
Imba yekukwereta yemusha ndiyo chikwereti chemari-iwe unowana mari yacho kamwechete, uye iwe unoripira nemubhadharo wepamwedzi wepamwedzi pamakore anotevera. Nhamba yako yekutarira inowanzosimbiswa .
Imba yekuenzanisa yemari yechikwereti (HELOC) inokubvumira kubvisa mari kunze. Kufanana nekadhi rechikwereti, unogona kukwereta chete izvo zvaunoda paunenge uchida panguva ye "kutora nguva" (chero bedzi mutsetse wako wechikwereti unoramba uzaruka). Iwe unoda kuisa mari shoma pane chikwereti chako panguva ino. Pashure pemakore akawanda (makore gumi, somuenzaniso), nguva yako yekuvhara inoguma, uye iwe uchapinda munguva yekubhadhara apo iwe unowedzera kuripa chikwereti chikwereti ichocho. HELOKs inowanzoita shanduko inowanzofarira.