Iko Cash-Out Refinancing Works
Kunatswa kwemari kunowanikwa apo iwe unotora chikwereti chekugara chiripo nekugadzirisa nekodha , chikwereti chikuru.
Nokukwereta kupfuura iwe ikozvino iwe unokwereta, uyo anokweretesa anopa mari yaungashandisa chero chipi zvacho chaunoda. Muzviitiko zvakawanda, "mari" inouya nenzira ye cheki kana kutengesa kubhadha yako yebhangi .
Nzira Yokushandisa Mari
Iwe unogona kushandisa mari yemari yako yako chero ipi zvayo yaunoda. Asi njodzi nemari hazvigoni kuregererwa. Zvakakosha kushandisa mari-kunze yekugadzirisa zvinhu izvo zvichavandudza mari yako uye iwe unokwanisa kubhadhara chikwereti . Zvimwe zvinowanzoshandiswa pakutsvaga zvinosanganisira:
- Kuvandudza Kwemusha: Zvinonzwisisika kushandisa imba yekuenzanisa kwemishonga epamba. Kuvandudza kwehutano hunoita kuti hutengo hwemusha wako huwedzere huwedzere kuwedzera kwako, zvichiita kuti zvive nyore kubvisa mari yako apo iwe unotengesa imba yako. Zvakanakisisa kushandisa mari ye "zvirongwa zvakachengeteka" zvinotengeswa nevatengi-kwete iwe nemhuri yako-zvichakoshesa.
- Dzidzo mari: Dzimwe hurongwa hwekudzidzisa dzinogona kukubatsira kuwana basa rakasimba uye kuwana mari yakawanda. Kana iwe uine chivimbo chokuti chigamba chitsva kana kosi yekudzidza ichakubatsira iwe, kutora mari kubva mumba mako kunogona kuve nenjere.
- Bhizinesi rekushanda: Zviri kuedza kushandisa imba yekuenzanisa kutanga bhizinesi, uye yakaitwa kubudirire, asi inotyisawo. Nekukwirira kwemazana emabhizimisi anokundikana, unofanirwa kuongorora kuti iwe uchadzorera sei chikwereti uye kuti mhuri yako ingave yakakanganiswa sei kana iwe unenge usingaiti mari. Izvozvo zvakati, zvikwereti zvemusha zvinogona kunge zvisingadhura kupfuura makadhi emakwereti, uye kana iwe ukakwanisa kutora kurasikirwa, kubvisa mari kubva mumba mako kunogona kuva yakakwana. Uyezve, mabhenji angada kuti iwe ushandise imba yako kuti uve nechirongwa chako pachako kuti uwane chikwereti chebhizimisi chero zvakadaro.
- Kubhadhara chikwereti? Kubhadhara zvikwereti-makero makadhi emarikiti zvinonzwisisika mukutaura, asi kana ukaita izvozvo, unowedzera dambudziko risati ravapo. Marikiti yemakadhi haatomboregi zvikwereti, uye vateresi havana kodzero yekutora imba yako kana iwe ukakundikana kubhadhara (zvose zvavanogona kuita zvinokuvadza chikwereti chako uye edza kuunganidza mari ). Kana uchinge waisa chikwereti icho pane chikwereti chemari yekutengesa, imba yako yakanaka yemutambo kana iwe ukakundikana kuripa.
Kunyange zvazvo inoshandiswa pamusoro iri yakakurumbira, haisi nguva dzose chisarudzo chakanakisisa. Mimwe mhando dzezvikwereti zvinogona kunge zvakakosha, uye tichaongorora avo vari pasi apa. Asi kutanga, mamwe mazano uye ane njere yekuisa dzimwe nzira mumamiriro ezvinhu.
Pros uye Cons yeCash-Out Refinancing
Zviri nyore kunzwisisa kuti nei kubuda kunofadza. Apo unogona kuvandudza chikwereti chako chiripo nechikwereti chemuzasi chinodarika chaunenge uine--kuwedzera kuzadzisa chinangwa-chiri kuedza kuenda nacho.
Makomborero ekutamba kukodzera kwemba anosanganisira:
- Zvikwereti zvakakura: Kuenzanisa mumba mako kunogona kusvika makumi makumi mashanu (kana mazana) zvezviuru zvemadhora, saka ndiyo nzira iri nyore kune mari yakawanda yemari.
- Zvimwe zvakaderera mitengo: Nokuti imba yako inotora chikwereti , iwe unofarira zvishoma zvakaderera mutengo (uchifananidzwa nemakadhi emakwereti uye zvikwereti zvemari yako).
- Zvingangobhadhara mitero: Kubhadhara mitero hakusi sekupa sezvavaimbova. Asi kana ukashandisa mari ye "kuvandudzwa kwakakura" kumba kwako, unogona kuwana purogiramu yemitero iyo inobatsira kuderedza mari yawakweretesa. Bvunza accountant yako kuti uwane mamwe mashoko.
- Nguva refu yekubhadhara: Nokutora nzvimbo yako yaive yakachengetwa nemutengo wemakore makumi matatu nemakore kana yemakore gumi nemashanu, iwe unogona kutambanudza mari yako. Asi izvozvo zvinouya pamutengo.
Kukanganiswa kwekubuda kunze kunosanganisira:
- Mari inoshandiswa: Unotangazve yeawa paimba yako yose yechikwereti, saka iwe uwedzere mararamiro ako eupenyu (kubhadhara zvakawanda zvinoitawo izvozvo). Kuti uone kuti izvi zvinokukanganisa sei, chengetedza matortization tables pamari yako yaivepo uye chikwereti chitsva. Nzira yakapoteredza iyi ndeyokushandisa rechipiri chekutengesa panzvimbo.
- Dambudziko rekutsvaga: Kana iwe usingagoni kubhadhara chikwereti chako, unogona kurasikirwa neimba yako . Zvikwereti zvisina kuchengeteka hazvina ngozi zvikuru.
- Kuvhara mari: Imari yemitero inoda zvakakosha up-front yekuvhara mari. Iwe unogara uchibhadhara mari iyo kana iwe uchizviisa muchikwereti chemari yako, nyora cheki, kana kutora chiyero chakakwirira . Kuti uvhare chikwereti chako, iwe uchapedza pakati pezviuru mazana nezviuru zvemadhora madhora, uye iwe unoda kuwedzera iyo mari kune chero iwe uri kushandisa mari yacho.
Nzira Dzakasiyana Dzokuwana Mari
Kudzosera mari yako chikwereti ishanho guru. Kana ukasarudza kutora zvishoma zvishoma, unenge uine dzimwe nzira dzakasiyana.
Zvikwereti zvako: Iwe unogona kudzivisa kuwedzera kune chikwereti chako cheimba uchishandisa zvikwereti zvisina kuchengetedzwa sezvisungo zvekubhadhara kubva kumabhangi, zvikwereti zvekweretheni, uye vatengi vekutsvaga muIndaneti . Kana uine chikwereti chakanaka, iwe unogona kukwanisa kubhadhara michina maduku nemari yekukweretesa kadhi rechikwereti-kungobhadhara chikwereti pamberi pezvinokonzerwa nehuwandu hwemajhidhi maviri emajeri.
Chechipiri mari yekubhadhara mari: Panzvimbo yekutora chikwereti chako chekumba, iwe unogona kuwedzera chikwereti chekodzero yemusha kana mutsara wechikwereti (HELOC) kukwereta kumba kwako. Nzira iyo inokubvumira kusiya chikwereti chako chiripo chisina kutaurwa-saka chikwereti chako chekuda, mahedheni , uye mwedzi wekubhadhara unoramba uri wakafanana. Chikamu chechipiri chekubhadhara chikwereti chinogona kuwanikwa nechinotengeswa chechirwere , asi kana iwe uchibhadhara, iwe uchadzoka kwauri nhasi sekunge iwe usina kukwereta.
Zvikwereti zvakasiyana-siyana: Zvichienderana nei uchida kukwereta, rudzi rwechikwereti runogona kunge rwuri nani pane kutora mari kubva mumba mako. Semuyenzaniso:
- Zvikwereti zvevadzidzi zvakagadzirirwa zvidzidzo zvezvidzidzo, uye zvikwereti zvehurumende zvinokwereta -zvine hanya nezvinhu .
- Zvikwereti zviduku zvebhizimisi zvinogona kuwanika nekutsigirwa kubva kuU.S. Small Business Administration (SBA), zvichiita kuti zvidimbu zviduku zvinowanikwa.
Kudzorera zvikwereti: Vaimba pamba vane makore makumi matanhatu nematanhatu vanogona kutora mari yekubvisa mari kana kubhadhara mari yekubhadhara nekushandisa mari yakatarisa . Iwe haufaniri kutora mwedzi pamwedzi, asi iwe unoda kutengesa imba kana kubhadhara chikwereti apo wekupedzisira chikwereti achibuda mumba.
Kuwana Kugamuchirwa
Equity: Kushandisa chikwereti chekugadzirisa mari kunoderedza kuenzana kwako, saka unoda kuenzana kwakakwana mumba mako kuti uwane. Mune mamwe mazwi, imba yako inoda kuve yakakosha kudarika iwe unokwereta pane yako yekubhadhara. Vagari vemahotera vakawanda vari kunetseka kupa chikwereti chinopfuura 80 muzana yemari yeimba yako yemari, asi mapurogiramu anotsigirwa nehurumende akafanana neA VA neFHA vanokubvumira kukwereta zvimwe. Ingoyeuka kuti iwe unowedzera kukwereta, inowedzera mari yako nekukwereta mari inowedzera.
Mari Inowanikwa: Vatengesi vanofanira kuongorora kuti mune mari yakakwana yekubhadhara mari itsva yemwedzi pamutero wako. Mari iyo inogona kuwedzerwa apo iwe ukwereta zvakawanda, saka chengetedza chikwereti chako -kune-kuwana mari kuti uone kana iwe uchange wakatarisa.
Chikwereti: Sezvakaita chero chikwereti chemusha, chikoro chako chikoro chakakosha. Uine zvikamu zvakaderera uye zvisina kukanganisa munguva ichangopfuura mune chikwereti chenhoroondo yako, iwe unopedzisa kubhadhara zvikwereti zvakakwirira, izvo zvinogona kuchinja zvinodhura zvinoshamisa.
Paunotora mari pakunatsiridza, pane kungoita zvekugadzirisa nemari yakafanana, vateresi vanotora ngozi yakawanda. Somugumisiro, zvakaoma kuti zvikwanise, uye mari inowanzove yakakwirira kune idzi zvikwereti.