Mazano ekudzivisa matambudziko nechechipiri chekutengesa
Kudzorera zvikwereti zvinotengeswa kune vamwe varidzi vemba, asi hazvina musoro kune vose. Kana iwe nezvinangwa zvako usingakodzeri maitiro akanaka, reverse mortgage inogona kuchinja kuva iwe nevemhuri yako.
Izvozvi zvikwereti zvakashanduka kuti zvive zvisingadhura uye zvinowanikwa nevatengi, asi izvo zvichiri zvakaoma. Zvimwe zvinonyanya kukosha, kubuda kunze kwekutora chikwereti kunogona kuva chinonyengera kana iwe ukachinja pfungwa dzako.
Rule out Alternatives
Usati washandisa reverse mortgage, chengetedza nzira dzose. Iwe unogona kunge uine zvimwe zvingasarudzwa zviripo, uye iwe unogonazve kusiya mukova wakazaruka kuti uwane reverse mortgage gare gare. Zvichienderana neimba yako yemusika, zvingave zviri nani kumirira kwenguva yakareba sezvinobvira usati waita kuti uite zvekutengesa mari - kutora kwemaimba emitengo kunomuka uye mari yezvibereko inobatanidza, izvo zvingasadaro. Dzimwe nzira dzingakubatsira iwe kunonoka kukwereta kana kudzivisa reverse mortgage zvachose.
- Kuderedza: Kana uine mukana wakaenzana mumba mako, pane nzira dzakawanda dzekushandura mari. Imwe nzira ndeyekutengesa zvinhu zvako chete. Mushure memakore makumi matanhatu, vamwe varidzi vakagadzirira kubvisa mabasa nemari yekuchengetedza imba yakakura, saka kuderedzwa kunogona kukubatsira kuwana mari nekuita kuti upenyu hwako huve nyore. Pasinei nokuti iwe unotenga nzvimbo shoma shoma kana kutanga kutora, unofanira kukwanisa kusunungura imwe mari. Iwe unogonawo kufambisa izvo zvekare zvinotora mari, kunyanya kana iwe unofunga kuti uende kunze kweimba chero zvakadaro,
- Kutengesa kumhuri: Kana usati wagadzirira kubuda kunze, iwe unogona kutengesa kune nhengo yemhuri inofarira mumba mako. Kana zvinhu zvose zvichibudirira, iwe unogona kunyange kugara muimba yako, uchiita mari yekubhadhara kune nhengo yemhuri muupenyu hwako hwose. Paunouraya, imba yacho inova isina munhu uye muridzi anogona kuita chero chaanoda nayo. Izvi zvinotengesa zvakaoma, asi muchengeti akanaka uye mutungamiri wemitero anogona nyore kuita basa rako. Kugadzirisa ukama nehukama hwemhuri kunogona kuva chikamu chakaoma zvikuru.
- "Kambomira" chikwereti: Panzvimbo pokuwana chikwereti chekubhadhara mari, unogona here kuwana mari yakawanda yemhuri yemari ? Iwe uchada mari yakakwana yekukodzera , asi iwe uchava nezvimwe zvingasarudzwa uye zvichida chikwereti chiduku kana iwe uchitora iyi nzira. Enzanisa zvinodiwa uye mari yekuvhara uye ona kuti chii chinoshanda zvakanaka.
- Zviwanire zvakawanda: Unogona kubhadhara, asi pane basa raunogona kuita uye unoda kuita kuti uwane zvigaro? Iwe uchachengetedza bundle uye zvingatova zvakanaka kune utano hwako. Izvo zvakati, ramba uchitarisa pane zvinokonzerwa nemitero yako , Social Security, nezvimwe zvikomborero .
Izvo zvinongova mazano mashoma. Iva nekugadzira uye ona kana pane sarudzo yakakwana yemamiriro ako . Taura nevanopa mazano vezvemari uye vatariri vemakwereti kuti muwane pfungwa dzechipiri musati maenda mberi.
Musha weHupenyu
Kudzorera zvikwereti zvekare zvinoshanda zvakanyanya apo iwe-uye kubhadhara mumwe wako kana iwe wakaroorwa - urongwa hwekugara mumba mako kweupenyu hwako hwose uye rega vagari venhaka yako vatengese imba mushure mekufa kwako. Kudzorera zvikwereti zvekubhadhara kunofanira kubhadharwa apo munhu wekupedzisira akakwereta anofa kana kuti "zvachose" anobuda kunze kweimba, kusanganisira kufamba kwenguva pfupi kune imwe nzvimbo, zvakadai sekurarama kwekubatsira, kwemwedzi inopfuura 12.
Mune mamiriro ezvinhu akaipisisa, mumwe wawakaroorana naye kana shamwari yako isati yakanyorwa seyekwereta kune chikwereti angave achifanira kubuda kunze.
Izvo zvinoenda kune vana kana kune vamwe vanogara vari mumba mamuri. Kana vasingakwanisi kubhadhara chikwereti, vachazofanira kusiya. Izvi zvinogona kuvhiringidza zvikuru.
Nhau dzakanaka ndeyokuti vagari venhaka yako haazobhadharwi kupfuura kukosha kwekukosha kweimba kana kukosha kwemusika - kunyange kana wakakwereta kupfuura imba ino iye zvino inokosha, achifunga kuti wakashandisa FHA-insured HECM reverse mortgage.
Zano: Kuti udzivise zvinetso, ita urongwa hwemangwana, kana iri imwe nzvimbo yekugara kwevanopukunyuka kana inshuwarisi yehupenyu iyo inogona kubhadhara chikwereti ichibatsira vose vanogara kumba.
Chengeta Equity?
Ko kana iwe uchida kurambidza kana kutamisa mhuri kune imwe nzvimbo? Zvinokwanisika kuita izvi mushure mokunge mava kushandisa reverse mortgage, asi zvakaoma. Kudzorera zvikwereti zvinopinda mumba mako nekuenzanisa , zvichisiya zvishoma kukosha zvakachengetwa mumba mako.
Paunotengesa imba yako yazvino, iwe uchada kubhadhara reverse mortgage uchishandisa mari iripo kana kuti kunze kwemari yekutengesa. Kudai iwe wakanga uine mari, iwe ungadai usina kushandisa mari inoshandiswa kubva kune imwe nzvimbo - saka iwe uchange uine mari yakawanda yekushandisa pamba yako inotevera.
Zano: Kana iwe uchifunga kuti ungabuda kunze kwemba usati wafa, funga nezvekushandisa kwako. Kana uchinge uchinge uchinge uvakwereta, kuenzanisa kwakanyanya iwe uchange uine mari yekushandisa paimba yako inotevera. Zvechokwadi, urongwa uhwu hunogona kudzorera: Nekudzoka kwekutora chikwereti, zvinogona kubhadhara zvishoma kudarika iwe wakwereta - mune dzimwe mamiriro ezvinhu, iwe unenge uri nani kubhadhara zvimwe .
Ramba uri pamusoro pezvinhu
Paunenge uine imba, mari uye mari yekugadzirisa haigumi. Iwe unofanirwa kuve wakashinga zvikuru nechekare rekutengesa munzvimbo. Chikwereti chako chinogona kuuya nekuda - kureva iwe unofanirwa kuripa mari yose kana kutengesa njodzi kana iwe usingaregi kumagumo ako ezvo.
Musha wako unoshanda sekutora chikwereti chekutora chikwereti, icho chinodzivirira chikwereti chako. Somugumisiro, wako chikwereti anoda kuve nechokwadi kuti imba inokosha zvakakwana sezvinobvira. Denga rakanyarara rinogona kusakunyunyisa iwe , asi kuora mapuranga nehutu mukati memusha wako kunogona kuva nharo kana mutengi anotevera achiongorora. Iwe unofanirwa kuchengeta pamwe nemitero yemitero uye HOA inoshandiswa. Kana zvisina kudaro, iwe uchava neshamwari pane yako pfuma . Vatengesi vanotokumbira kuti iwe uchengete inshuwarisi yakakwana. Kana imba yako ichikuvadzwa kana yakaparadzwa, inofanira kuvakwazve kuitira kuti zvikwanise kubhadhara chikwereti.
Zano: Kana iwe uchinge uchiita kuti zvinhu zvinyenye, tsvaga nzira yekugara pamusoro pezvinhu zvinoshandiswa uye kugadzirisa zvinhu zvinowanikwa nemutengi wako. Budget yekugara uchichengeta kuitira kuti iwe uwane mari yekugadzirisa kana zvichidiwa. Gadzira uwandu hwemagetsi ekubhadhara mari yemishonga yemishuwarenzi uye mitero yemitengo kuitira kuti uve nezvinhu zvishomanana zvekuchengetedza.
Deredza kudhura kweMari
Paunokwereta mari, iwe unobhadhara chikwereti , uye kazhinji hazvisi mari yaunogona kuwana apo unotengesa. Saka kuchenjera kukuderedza iyo mari - kana kuve nechokwadi kuti uri kuwana mari yako yakakosha.
- Kubhadhara mari, kana kwete? Iwe unofanirwa kubhadhara mari yekuvhara kuti uwane reverse mortgage, uye iwe uchafanira kusarudza kana uchida kubhadhara mari iyo kunze kwehomwe kana kuvabhadhara navo nekuwedzera mari kune chikwereti chako. Mari yekufambisa inonakidza nokuti haufaniri kupa mari iyo paunopfiga, asi inodhurawo. Nemhaka yokuti iyo mari inowanikwa chikwereti chako, iwe uchabhadhara chikwereti pane mari yakawedzerwa gore negore. Kubhadhara-kwema-pocket kunorwadza nhasi, asi inowanzoshanda zviri nani mune zvemari .
- Mutsara wechikwereti? Iwewo une dzimwe nzira dzakasiyana-siyana pamusoro pokuti ungatora sei mari kubva pakudzvara kwako. Imwe nzira ndeyokutora mari yakawanda sezvaunogona - nokukurumidza sezvinobvira - mune mari yemari. Imwe nzira ndeyekuti iwe ushandise kubhadhara chikwereti chako semutsara wechikwereti , kutora chete zvaunoda kana uchida. Mutsara wechikwereti unogona kukubatsira iwe kuchengetedza kufarira kunoderedza pasi nokuti kunonoka kubhadhara kwako . Panzvimbo pokutanga nemari yakawanda yemari chikwereti uye kufarira kunowirirana pazuva rimwe, iwe uchakwereta zvishoma nezvishoma. Kana uri kushandisa zvitsva zvekutora mari yekuwedzera mari yekushandisa mari nemazana mashoma madhora pamwedzi, somuenzaniso, unogona kuparadzira kubhadhara kwako kwemakore mazhinji. Uyezve, mari yako iripo inogona kukura kupfuura nguva kana ukashandisa mutsara wechikwereti.
Pane imwechete inogona kuvhiringidzika kumutsara wekwereti iwe unofanirwa kuziva: Paunosarudza mutsara wechikwereti, uchawana mutengo wekuda kufanirwa pane yako reverse mortgage. Izvi hazvirevi zvakashata, asi yakagadziridzwa mutengo wemari inogona kushanda zviri nani mune dzimwe mamiriro ezvinhu.
Dzivisa Hucksters
Kudzorera zvikwereti zvemari kune matanho ane simba emari, uye zvinogona kubatsira zvikuru mumamiriro ezvinhu akanaka. Zvinosuruvarisa, zvinoshandiswa zvisina kunaka. Kana mumwe munhu anotaura kuti iwe unoshandisa reverse mortgage kutenga chero chavanenge vachitengesa, chakadai se annuities, inshurensi yenguva refu yekuchengetedza kana nguva, tarisa zvavanoda uye kutsvaga mazano kune imwe nzvimbo kana iwe uchifungidzira kusarura kupi zvako.
Imba yako yakaenzana inowanzo dzimba huru yemari, uye iyo inofadza kugadzirisa vatambi uye vatengesi vachitsvaga mari yakawedzerwa. Kana iwe ukashandisa yako reverse mortgage mari yekuisa mari, iwe uchada kuvhara reverse mortgage expenses kuti urege kuputsa kunyange. Uyezve, iwe uri kuisa imba yako pamugwagwa-kutengesa kwekukuvadza - kana iwe usingakwanisi kuchengeta mitero uye kuchengetedza mari.
Tora Mazano Kubatsira
Iwe uchafanirwa kupedza chirongwa chekupa mazano ekugadzirisa neHUD-yakagamuchirwa mutevedzeri kushandisa hurongwa hweFHA HECM. Ichi hachisi chinetso chekudarika-iri mukana wekudzidza zvauri kupinda. Bvunza mibvunzo yakawanda sezvaunofanirwa, uye chengorora zvinyorwa zvinyorwa uye nhamba pamwe chete nemupi wezano.
Kurukurai Nemhuri
Imba yako nemari yako, asi mhuri yako nevamwe vanogona kuchinjwa nekusarudza kwako. Vanokuda uye vanoda kuti iwe uve wakasununguka, asi vanogonawo kuva netarisiro yekuchengeta imba uye zvichida kugara ikoko. Kana zvavanotarisira zvikasakoshi, regai vazive, kana kuti vashande uye vowana nzira dzekuzadzisa zvaunoda apo uchibatsira mhuri yako nechinangwa chako.
Zvausingadi ndezvevadyi venhaka yako kufunga kuti imba ichagara mumhuri nekuda kwekuti iwe unogara imomo kusvikira wafa. Nhengo dzemhuri dzingasanzwisisa kuti dzichafanira kuuya nemari yakawanda yekuchengeta imba. Vazhinji vagari venhaka havazove nemari yakakwana - vanofanira kutengesa imba kana kugadzirisa chikwereti . Regai vazive pamusoro pekukurumidza izvi pane mberi kwekuti vazokwanisa kutarisira chikwereti uye zvimwe zvikwereti, zvichiita kuti zvive nyore kuti vazobvumirwa kuti zvikweretwe.