Mhuri Equity Conversion Mortgage for Purchases
Vakawanda vanoenda mubhadharo vane huwandu hunokosha mumisha yavo. Imba yekuenzanisa ndiyo inogona kushandiswa inogona kushandiswa kuvandudza mararamiro avo ekurega basa kana mararamiro avo.
Inenge 65% yevanhu 65 kana kupfuura ndeyekutengesa chikwereti-pasina. Kune nzira dzakasiyana-siyana dzekushandisa muhutano mumusha. A reverse mortgage ndeimwe yevaya nzira, asi pane zvakawanda zvinowedzera uye zvinopedzisira kune imwe imba inoshandiswa kutendeuka (HECM).
Kushandisa Reverse Mortgage kunotenga Imba
Imwe ingangoshandiswa yekushandisa revers mortgage iyo isina kumbove yakawanda zvakaparidzirwa kusvikira munguva ichangopfuura inosanganisira kushandisa reverse mortgage kutenga imba. Izvi zvinogona kubatsira vatsigiri vatsva nzira inobhadhara nzira yekuderedza dzimba dzavo dzekugara, kuwana imba yakakodzera yakawanda yegore rino rehupenyu, kana kutamira kune imwe nzvimbo yakasununguka inobatsira.
Chii chinonzi Reverse Mortgage?
A reverse mortgage (kana Equity Equity Conversion Mortgage) iyo ndiyo inotora chikwereti chinotendera varidzi kuti varambe vachikwereta kuhutano muhugaro hwavo hwekutanga. Vanokwereta vanofanira kuva makumi matanhatu kana kupfuura kuti vatarise uye hapana kubhadharwa kwebhadharo kunotarisirwa kusvikira imba ichitengeswa kana wakwereta anofa kana kubuda kunze kwemba.
Mari yaunogona kukwereta inobva pazera remunhu anenge akwereta uye / kana mudzimai wake, ikozvino maitirwo emitengo, kukosha kweimba zvichienderana nekuongororwa, uye yekutanga mortgage inshuwalisi yeruzhinji.
Kusiyana netsika yekutengesa, hapana chekubhadhara pamwedzi kunotarisirwa nekodzero yekubhadhara mari. Kufarira kunowedzera uye inofanira kubhadharwa pamwechete nemari yekutanga yakakweretwa kana imba inotengeswa, uyo anenge akwereta anofa, kana kuti anobuda kunze kwemwedzi 12 kana kupfuura.
Kushandisa Reverse Mortgage kunotenga Imba
Kudzorera zvikwereti zvinowanzoshandiswa pakugadzirisa kubatsira vakasiya mari kugara mumisha yavo sezvavanenge vachikwegura nekuvandudza mari yavo. Iko Equity Equity Conversion Mortgage for Purchase inopa iyo chikwereti neyoyo yakagadzirirwa, chikwereti chemari chinoshandiswa pakutenga imba. Kubhadhara kuripo kunotarisirwa uye semugumisiro iwe unofanirwa kubhadhara chikamu chehafu yemutengo wemusha uchishandisa iwe pachako mari uye mari. Kubhadhara kuripo kunogona kuuya nemufananidzo wechipo kubva kune shamwari nemhuri. Iwe haufaniri kuva neimba iripo kana kutengesa imba yako iripo kuti uwane. Asi imba yauri kutenga kuburikidza neHECM yekuTenga inofanira kuva yako yekugara.
Vanokwereta vanofanira kuita izvi zvinotevera kuitira kuti vakwanise kuwana Equity Equity Conversion Mortgage for Purchase:
- Zuva rakaderera kuti rikwanise 62.
- Imba inofanirwa kunge iwe iwe wekutanga wekugara.
- Unofanira kunge uchikwanisa kuramba uchibhadhara mitero yemitengo, inshuwarheni, HOA inoshandisa, kana chero imwe yemari yekuchengetedza zvivako.
- Iwe haufaniri kuva nechikwereti chemari yepamutemo
Ngozi uye Zvipo
Kusiyana nemitambo yekutengesa zvinhu zvisingabhadharwi nemwedzi unodiwa nechekare rekutengesa. Izvi zvinobvumira mukana wokutenga imba musingadi kubvisa mari yekurega basa kuti uite nguva dzose pamwedzi unotora.
Inopawo vashandirwi kana vashandi vasati vabhadharwa nemukana wekutenga imba inogona kunge iri mune imwe nzvimbo inoshandiswa yekusarura nzvimbo kana kuti zviri nani kufambisa zvido zvadzo zvisingashandisi simba rekutsvaga rekugara kwavo kwese dendere mazai.
Chimwe chezvinhu zvikuru zvakaderera zvezvikwereti zvekare zvinowanzoenderana nemari. Chimwe chinogona kuisa njodzi ndeyekuti kufarira kuchazopedzisira kuchidya pahutano hwako. Kana iwe uchirarama kwenguva yakareba uye ugare muimba iyo mikana yakawanda yako yehutano inogona kuderedzwa kana kuparara. Chimwe ndechokutya kuti iwe unogona kurasikirwa neimba yako kana mhuri yako haungakwanisi kutora nzvimbo iyo iwe wapfuura. Vapoteri nemari inokonzerwa nemari vanozopedzisira vawana kuti imba yemitero, inshuwarisi, nezvimwe zvinodhura zvingava zvakaoma kuchengeta.