Borrow Against Equity In Your Home
Kana imba yako yakakosha kupfuura iwe unokweretesa nayo, chikwereti chekuwana chikwereti chinogona kupa mari yezvose zvaunoda-haufaniri kushandisa chete mari yemari inoshandiswa pamusha. Zvisinei, kushandisa imba yako kuti uone kuti chikwereti chinouya nematambudziko.
Imba yekukweretesa yemusha ndiyo rudzi rwechipiri chekutengesa . Yako "yekutanga" kutenga chikwereti ndiyo yawaimboshandisa kutenga imba yako, asi iwe unogona kushandisa mimwe chikwereti kubhadhara pfuma iyo iwe wakavaka zvakakwana kutengesa .
Makombo Edzimba Equity Loans
Imba yekukweretesa kwekodzero inofadza kune vose vanokwereta uye vanokweretesa. Heano zvimwe zvishoma zvezvikomborero zvinokosha kune vakwereta:
- Izvo zvishoma: Imba yemari yakabhadhara inowanzova nemari inowanikwa pasi (inowanzotaurwa nezve APR ) kupfuura zvikwereti zvisina kuchengetedzwa zvakadai semakadhi emakwereti uye zvikwereti zvemunhu. Nhamba yakaderera inogona kubatsira kuramba uchikweretesa mari shoma, asi kugadzirisa mari inogona kukanganisa mitengo yakaderera.
- Kugamuchirwa: Imari yekukweretwa kwemusha inogona kunge iri nyore kukodzera kana iwe une chikwereti chakaipa . Neimba yako ichiwana chikwereti, vateresi vane nzira yekuchengetedza ngozi yavo. Izvozvo zvakati, zvikwereti zvinotora chikwereti zvinowanzoda mabhuku akawandisa, uye vanokweretesa vanoisa zvishoma zvido zvinogona kuita kuti zvive zvakaoma kukwereta-kunyange kana uine huwandu hunokosha.
- Zvikwereti zvakakura: Vakwereta vanogona kukodzera zvikwereti zvakakura zvakadai nemhando iyi yezvikwereti , vachifunga kuti mune kukwana kwakakwana mumusha. Nokuda kwezvikwereti zvakakura sekuvandudza kwemusha, dzidzo yepamusoro, kana kutanga bhizinesi, imba yako yakakwana ingave ndiyo chete inopa mari iripo.
- Zvimwe zvinogona kubhadhara mitero: Unogona kukwanisa kutora chikwereti chaunobhadhara paimba yemari yemari, kunyanya kana ukashandisa mari ye "kuvandudzwa kwakakura" kune imwe nzvimbo. Kumbira mutero wako wekutero kuti uwane mamwe mashoko usati waita chikwereti uye usati watora kubhadhara.
Kudzivirirwa kune vanokweretesa: Zvizhinji zvinowanikwa pamusoro apa zvinowanikwa nokuti zvikwereti zvakaenzana pamusha zvikwereti zvakachengeteka kuitira mabhangi kuti aite: Chikwereti "chinogadziriswa" neimba yako sechisungo .
Kana iwe ukakundikana kubhadhara, bhanhire rinogona kutora pfuma yako, kutengesa iyo, uye kugadzirisa chero mari isingabhadharwi nokufanozivisa pamba pako . Zvakare, vateresi vanowanzoisa zvikwereti izvi kune dzimwe chikwereti nokuti havadi kurasikirwa nemisha yavo. Paunotarisana nechisarudzo chekushayikwa kubhadhara chikwereti kana kubhadhara kadhi rechikwereti , unogona kusarudza kudarika kadhi yekubhadhara .
Kubvumirwa hakusi kuvimbiswa: Kubatsira kunobatsira, asi vanokweretesa vanofanira kungwarira kuti vasakweretesa zvakawanda, kana kuti vanoisa pangozi kurasikirwa kukuru. Pamberi pa2007, zvakanga zvakaoma zvikuru kutenderwa kwekutanga uye yechipiri mabheji. Sezvo dambudziko reimba , zvinhu zvashanduka, uye vateresi vachanyatsotarisisa kushanda kwako. Kuti vazvidzivirire ivo, vanoedza kuve nechokwadi chokuti haukwereti chikamu chinopfuura 80 muzana kana yekuti imba yako inotora kukoshesa kubhadhare kutenga yako yekutenga chikwereti pamwe chete nemari ipi yemari yaunenge uchikumbira. Nhamba yehutengo hwemusha wako inowanikwa inonzi iyo chikwereti chinokoshesa (LTV) chiyero , uye chinogona kusiyanasiyana kubva kubhangi kusvika kubhangi-vamwe vanokweretesa vanobvumirana neLVV pamusoro pe80 muzana.
Imba yemari chikwereti inokwana inobvumirwa chete kana iwe uchigona kuratidza kuti iwe unokwanisa kubhadhara. Vatengesi vanodikanwa kuti vaone nezvemari yenyu, uye iwe uchada kupa uchapupu hwekuwana mari, kubvumirwa kumatareji emitero, nezvimwewo.
Mhuri Yekubhadhara Mari Inoshandiswa Sei?
Paunokwereta neimba yemari chikwereti, iwe unogona kushandisa imwe yezvinhu zviviri:
- Lump-sum: Tora mari yakawanda yemari mberi, uye udzorere chikwereti pane imwe nguva nekugadzirisa mwedzi miviri. Nharaunda yako yekuda kufanirwa inogona kuiswa apo iwe unokwereta uye unoramba wakagadzirirwa hupenyu hwechikwereti chako. Mari imwe neimwe yemwedzi inokonzera kuderedza chikwereti chako chekukweretesa uye inowedzera zvimwe zvekutora mari (iyo chikwereti chemamortizing ).
- Mutsara wechikwereti: Bvumidzwa kuti uwane mari yakawanda inowanika, uye ingokwereta zvaunoda chete. Inozivikanwa seimba yekuenzanisa yemari yechikwereti (HELOC) , izvi zvinokubvumira kubhadhara kakawanda mushure mokunge wagamuchirwa. Mumakore ekutanga, unogona kuita mari shoma, asi pane imwe nguva, unotanga kutanga uchitora zvakakwana amortizing zvikwereti zvinopedza chikwereti.
Iko HELOC ndiyo inoshandiswa zvakanakisisa nokuti iwe unogara uine simba pamusoro pemari yako yezvikwereti-uye iwe unofarira mari. Iwe unongobhadhara chikwereti chete pamutengo waunoshandisa chaizvo kubva padziva rako rine mari yakawanikwa. Zvisinei, mutero wako anogona kusunungura kana kubvisa chikwereti chako chekwereti usati wawana mukana wokushandisa mari. Kusununguka kunogona kuitika kana iwe uchida mari yakawanda uye isingatarisirwi, kuitira kuti kuchinja kunouya nemamwe ngozi.
Nhamba dzezvibereko paHOTOCs dzinowanzosiyana , saka mari yako inofarira inogona kuchinja (kana iri nani kana yakaipisisa) kupfuura nguva.
Kuti uwane chikwereti , shandisa nevatengi vanokweretesa uye uenzanise zvose zvinokweretesa mari pamwe chete nemari yekutora zvinyorwa. Tora Mari Inoshandiswa kubva kune zvakasiyana-siyana zvakasiyana-siyana, kusanganisira chikwereti chemunharaunda wekune imwe nzvimbo, iri paIndaneti kana mutengesi wenyika, uye bhandi yako yakasarudzwa kana chikwereti chekoni. Nharaunda dzinogona kusiyana kubva munzvimbo kuenda kune imwe nzvimbo, uye iwe unofanirwa kubhadhara mari yekupfiga kuwana chikwereti chako chabhadharwa. Vatengesi vachaongorora chikwereti chako, zvinoda kuongorora , uye zvinogona kutora vhiki dzinoverengeka (kana zvimwe) kuti ubudise chero mari. Tora iyo nzira sekunge iwe urikukumbira mari yechikwereti chekutenga: Tora mako stubs yako uye mamwe magwaro akarongwa kuita kuti hurongwa uende nokukurumidza .
Kubhadhara kunobva pane rudzi rwechikwereti chaunowana. Nechikwereti chemari, iwe unowanzogadzirisa mwedzi mumwe nomumwe (unobhadhara mari yakafanana mwedzi mumwe nomumwe) kusvikira chikwereti ichibhadharwa. Neine mutsara wechikwereti, unogona kukwanisa kubhadhara zviduku kwemakore anoverengeka panguva yako "kutora nguva," iyo inogona kupedza makore gumi kana zvakadaro. Mushure mekuvhara kwenguva inoguma, iwe unoda kutanga kutanga kugadzirisa zvinyorwa zvekubhadhara chikwereti. Zvisinei, iwe unogona kuwanzobhadhara chero rudzi rwechikwereti kare kuti uchengetedze pamitengo yemitengo .
Imba Yowakananga Imari Inoshandisa Mashandiro
Iwe unogona kushandisa chikwereti chekuwana chikwere chero chipi zvacho chaunoda. Zvisinei, vateresi vanowanzoshandisa zvikwereti zvechipiri zvehupenyu humwe huwandu huripo hwehupenyu nokuti dzimba dzinowanzove dzakakosha kubhadhara. Kushandiswa kwakasiyana-siyana kunosanganisira:
- Remodel, kugadziriswa, kana kuti kuchinje nekuvandudza imba neimba.
- Chengetedza chikoro chemhuri yekoroji.
- Chengetedza kutenga kweimba yechipiri kana nyika .
- Simbisai zvikwereti zvakakwirira.
Dambudziko rekumba Equity Loan
Usati washandisa mari yechikwereti chekuenzanisa chero chinangwa, iva nechokwadi chokuti unonzwisisa ngozi dzekushandisa idzi zvikwereti . Dambudziko guru nderokuti iwe unogona kurasikirwa neimba yako kana iwe ukakundikana kubatisisa purogiramu yekubhadhara kwemwedzi inoshandiswa nemutengi wako.
Zvikwereti zvakakosha: Nokuti zvikwereti izvi zvinogona kupa mari yakawanda, iri kuedza kushandisa imba yako seATM. Asi zvakanakisisa kuchengetedza hutano hwemusha wako kune zvinhu zvichavandudza kukosha kweimba yako, kuwedzera kukosha kwehupenyu hwako (izvi hazvirevi "zvinoda" kana humbozha), kana kutungamirira kune mari yakakwirira yemhuri yako. Iyi ndiyo nyaya iyo inonyanya kukosha kuongorora zvikwereti se "chikwereti" uye chikwereti "chakaipa" .
Mari: Kuvhara mari inosanganisirawo nyaya. Kukwereta paimba yako kunogona kukwana zviuru zvemadhora-uye izvi usati washandisa chero mari yekugadzirisa pamba kana kudzidzira. Kana iwe kazhinji uchikwereta kumba kwako, iyo tsika inodhura (kunyange zvazvo kushandisa michina yechikwereti kunogona kukubatsira kugadzirisa mari).
Nzira Yokuwana Nayo Imba Yakanakisisa Equity Loan
Kuwana chikwereti chinonyanya kukosha chemari chinogona kukuchengetedza mazana emadhora kana kupfuura. Kuti uwane zvakanakisisa kubata:
- Tenga zvakapoteredza. Vatengi vakasiyana-siyana vane mapurogiramu akasiyana-siyana emakwereti anowanikwa, uye zvivako zvavo zvekubhadhara zvinogona kusiyana zvakasiyana.
- Tungamira zvikwereti zvako zvekwereti uye iva nechokwadi chokuti zvikwereti zvekwereti zvakarurama. Kana pane zvikanganiso kana zviri nyore-kugadzirisa nyaya mumitemo yako yemarikiti, shandisa nekukurumidza kutsvaga kuti uwane humwe hunovandudzwa hunoita kuti huve nani huri nani.
- Bvunza network yako yehama neshamwari yavanokurudzira. Bvunza vepanzvimbo chaiyo yevasimba iyo iyo inokweretesa chikwereti ichiita basa rakanakisisa kune vatengi vavo.
- Enzanisa zvipo zvako kune avo vanowanikwa pawebsite uye zviziviso. Yeuka kuti mari yakanakisisa inowanikwa kune vanokwereta vane zvikwereti zvakakwirira uye zvakawanda zvekubhadhara mari. Verenga Mari yako Yokufungisisa zvakanyatsoona kana uri kubhadhara mari yakafanana yaunotarisira.
Mazano Okuwedzera
Ndicho chikwereti chakanaka here? Usati waita chikwereti, simira uye uone kuti rudzi urwu rwechikwereti runonzwisisika. Imba yemari yakakweretesa yakakosha zvakakwana pane zvido zvako kupfuura kero kadhi kadhi rechikwereti kana chikwereti chisina kuchengeteka here? Kana iwe usina chokwadi, chizvione iwe usati waisa imba yako pangozi. Izvo zvikwereti zvinogona kuva nezvikwereti zvakakwirira, asi iwe unogona kuuya mberi nekudzivirira mari yekuvhara.
Ita urongwa: Ita hurongwa hwakajeka hwezvaunowana uye mari-kusanganisira iyi kubhadhara chikwereti chitsva- zvisati wavhara chikwereti. Izvi zvikwereti zvakawanda zvinogona kuuya nezvikwereti zvikuru. Uyezve, mari yacho inogona kuwedzerwa kupfuura nguva kana iwe uine mutengo wakasiyana. Kana pane imwe nzira yekuita zvaunoda kuita pasina kutora chikwereti, shandisa izvo zvingasarudzwa zvakanyanya kufunga.
Zvidzivirire iwe nemhuri yako: Ongororai inshuwarisi yako yekuvhara (hupenyu nekuremara kunyanya) uye kuongorora kuti iwe uchavhara sei zvikwereti kana chimwe chinhu chikaitika. Iwe unogona kana unenge usingadi inishuwarenzi, uye hakuna munhu anogona kukumanikidza kuti ukashandise. Kana ukasarudza kuisa kugoverwa sechikamu chemari yemari yakakwana, enda nebhadharo yemwedzi wepamwedzi-kwete yepamusoro-sarudzo-kuitira kuti iwe ubhadhara izvo zvaunoshandisa (uchifunga kuti inshuwarheni inongova yekwereti yemari yakakwana). Sezvo kune imwe mimwe michina yemari, tora zvinyorwa kubva kune zvakasiyana-siyana zvemashoko, kusanganisira iri paIndaneti uye yakazvimirira inishuwarenzi. Iwe haufaniri kutenga inshuwarisi iyo yako chikwereti chinopa.
Kubhadharwa mari: Kana uri kuronga kugadzirisa imba yako yekuenzanisa kwehupenyu mari yekurasira, kuongorora zvikwereti zvekare , izvo zvingava nyore kune vakwegura kuti vawane. Zvisinei, dzidzidze nezvengozi uye tonga kunze kwezvimwe nzira usati watora danho iroro.
Kubviswa kwechido (Pre-2018): Kwemakore emitero kusvikira kusvika muna 2017, zvaive zvichibvira kuti vamwe vateresi vabvise chikwereti chaibhadharwa pamusha wemari chikwereti. Kune mutero gore gore ra 2018 uye mushure mekunge, zvichibva pamutero weRhafu Cuts uye Jobs Act, kuderedzwa ikoko hakuchina kuwanikwa (kunyange zvishoma zvakaderedzwa pamarikodhi yekutenga kumba zvinogona kuwanikwa). Taura neCPA kuti uone kuti imba yako chikwereti chingakanganisa sei mitero yako.