Mutengi wako anogadza chikwereti chekukwereta, uye iwe unogona kusarudza kukwereta zvakawanda zvezvo sezvaunoda kubvumirana-nenguva. Izvo zvakafanana nekadhi rechikwereti kana bhizinesi rebhizimisi rechikwereti, pakuti iwe unodzinga mari sezvaunenge uchida, uye chete kubhadhara pane zvauri kukwereta.
Chenjerera, zvisinei, kwete kuisa musha wekodzero yekodzero yekwereti nemari yemari yekukwereta. Mune chikwereti chekukweretesa kumusha, anokweretesa anokupa imwe pfuma yemari uye iwe unopa kubhadhara kumwechete mwedzi woga woga kusvikira chikwereti chabhadharwa. Mutsara wechikwereti unopesana pakuti uri kushanduka, zvichireva kuti iwe unogona kushandisa mari, kuripa iyo, uye uushandise zvakare. Imba yemari inowanikwa mumusha inouyawo neyakagadziriswa mutengo, asi HELOC ine chiyero chakasiyana.
- Dzidza zvakawanda: Mutsara weKwereta Unoshanda Sei
Zvinoda zveHooko
Chimwe chezvinhu zvakakosha zvekufanirwa nekodzero yekuwana musha wekwereti ndekukwana kwakakwana mumusha . Mabhangi anoda kuti iwe uchengetedze 10 kusvika ku20 muzana zvakaenzana mumusha wako wekubhadhara nguva dzose, kunyange mushure mekunge iwe uchitora imba yekuenzanisa chikwereti chekwereti. Kuti vave vakakodzera, vateresi vanowanzodikanwa zvakakwana mumhuri yavo. Zvimwe zvidikanwa zveHOLDO zvinosanganisira uchapupu hwekuwana mari , basa rakatsiga, uye chikwereti chakanaka chekwereti , kazhinji pane 680.
An Example
Ngatiti iwe wakatenga imba yako $ 210,000 uye wakabhadhara $ 100,000. Kana zviri nyore, imba ichiri kukosha $ 210,000, ichikusiya ne $ 100,000 muhutano. Kufunga kuti bhengi inoda kuti uchengetedze chikamu che20 chikwereti-ku-value chiyero , zvichireva kuti unogona kuwana HELOC ye $ 100,000 kudarika 20 muzana yemari yeimba yako yose ye $ 210,000.
Izvi zvinoshanda kune ($ 210,000 x 20 muzana = $ 42,000) iyo bhangi haigoni kukweretesa, ichikusiya neUVO HELOC ye $ 58,000.
Imba Yakakosha Yakakodzera Here?
Kutanga uye zvakakosha, zvive pachena pane zvaunoda kuita nemari. Kana uri kutarisa kuti uite kugadziriswa kwemusha, chikonzero chinowanzoita kuti uwane HELOC, chikwereti chakakwana chekukweretwa kwemusha chinogona kunge chiri nani zvakakwana. Chikwereti chaizokupa imwe yemari, zvichikubvumira kuti upedze kugadzirisa kwako nekubhadhara chikwereti zvakare nenzira yakarurama.
Mutsara wechikwereti unokubvumira kuti udzorere zvakare nekudzorerazve, sekuita kadhi rechikwereti. Kunyange zvazvo kufarira kwacho kuchidzika zvakanyanya kudarika pane kadhi rechikwereti, rinogona kunge riri nengozi kana uchigara uchikwereta uye uchiripira, usingachengetedzi mabheji pachiyero chekushandisa chakashandiswa. Mune mamwe mazwi, haudi kupinda mukati memusoro wako
Kana uri kutarisa kuti uwedzere chikwereti nokubhadhara chikwereti chekwereti yakakosha, chikwereti chekuwana chikwereti chingava sarudzo yakanaka kubva paunenge uchitarirwa mwedzi mumwe nomumwe. Tora mari yacho, kuripa makadhi pakarepo, uye tanga uchitenga kubhadhara yako kubhangi pamutengo wakaderera. Kunyange zvazvo HELOC inogona kuita chinhu chimwe chete, sezvo iwe uchibhadhara HELOK mari inowanikwa zvakare. Kune vamwe, mari iyi iri kuedza uye inogona kuvadzosa zvakare mune chikwereti, kunyanya kwavakatanga.
Apo Mutsara Wokubhadhara Unobatsira
Ukuwo rumwe rutivi, HELOC inogona kunge iri bheji yako yakanakisisa kana iwe uri kubhadhara chikoro chemwana wekoroji. Chikoro chekubhadhara chikwereti chinoshandiswa, iyo ndiyo mamiriro apo HELOC anonzwisisa. Chengetedza chikoro pamutambo we semester, kuripa chikwereti, uye wozodzokorora semester inotevera.
Kune vamwe vanokwereta, mitero inobatsira inobatsira HELOCs uye zvikwereti zvakaenzana pamusha zvakanyanya kutengesa , sezvo chikwereti chaunobhadhara pazvikwereti zvinogona kuva mutero-deductible. Taura nemutori wemutero kuti uwane zvinodiwa uye kuti ungatora sei zvigadziriswa. Iwe unogona kudikanwa kuti itemize, uye kune mimwe mitemo kusanganisira, pakati pevamwe, kuvhara zvikwereti zvemari kune chikwereti kusvika ku $ 100,000. Tsanangudzo dziripo muRS Publication 936.
Mibvunzo yekubvunza usati wawana HELOC inosanganisira:
- Chii chaunoda mari yacho?
- Iwe unogona kuzviponesa nokuda kwaro panzvimbo pane kuvimba nechikwereti here?
- Unogona here kubhadhara chikwereti chakaipa-kana-scenario kana icho chiri pamutengo wepamusoro unowanikwa ?
- Iwe uchaedza kuedza kushandisa mari yacho pasina hanya here?
- Ndeipi chirongwa chako chekubhadhara chikwereti?
- Ndezvipi mazita uye mari yezvibereko?
Yeuka kuti imba yako iri kushandiswa sekutora. Kana iwe ukawira pamatambudziko nguva chero ipi zvayo, yakadai sokurasikirwa kwebasa risingatarisirwi kana mari yekurapa, unoisa pangozi yekurasa imba yako kana iwe usingakwanisi kubhadhara chikwereti chako. Iwe unogonawo kuva nezvinetso kutengesa imba yako nekuda kwehumwe humwe huri kuiswa panzvimbo.
Pakupedzisira, iwe chete unogona kusarudza kana HELOC akakodzera iwe. Iva nechokwadi chokuti iwe unonyatsonzwisisa mari, mazwi, uye mamiriro emutsara wechikwereti. Chichiri chikwereti uye chinofanira kutorwa zvakanyanyisa. Funga kana pane imwe sarudzo inowanikwa yekuzadzisa chinangwa chako chemari chisingadi chikwereti, sekutora basa renguva yakazara kuti uwane mari yakawedzerwa.