Iwe unogona kutora reverse mortgage kana uine makore makumi matanhatu.
Chii chinonzi Reverse Mortgage?
Imwe yadzo inotora chikwereti inotora kuenzana mumba mako uye inoshandisa izvi kuti uwane mari yako iwe nenzira yeimwe kana kuti zvizhinji zvekubhadhara. Mari iyo inobva pane chikamu chekuenzana kweimba yako. Inogona kuva nzira inononoka uye yakasimba yekutora mari yawakapa iwe mumba mako semari.
Icho Chitendero Chitsvaga Chikonzero Chakanaka Here?
Zvinonzwika semafungiro akanaka kune vanhu vakawanda, asi pane zvakawanda zvingangodaro zvinokonzerwa nereverse mortgage yaunofanira kuziviswa usati wasayina pamhando iyi yekugadzirisa. Kana uwandu huripo huri nani hunoita kuti uwane chikwereti chekubhadhara mari uye mamiriro ako ega anoita kuti zvive zvakanaka kwauri, iwe unogona kunge uri kutarisa kune reverse mortgage inshuwarano.
Mhando dzeReverse Mortgages
Iko kune marudzi akawanda ezvitsvaga zvekunamatira :
- Ichinangwa-chechi chinoshandiswa zvakare chechigodhi
- Zvitadzo zvekare zvinotora mari
- Mhuri Equity Kuchinja Mortgages (HECMs)
Usati wafunga nezvemhando yezvokutengesa mari yaunoda, unofanira kufungisisa maitiro akasiyana-siyana uye iva nechokwadi chekuona kana chikwata chakatarwa kana chinowirirana chichikubatsira zviri nani kwauri, uye kana iwe kana iwe usingazobatsirizve kubva kune mutsara wechikwereti , kubhadhara mari yemutengo kana "sarudzo" iyo inopa muwandu muzvikamu.
Vatengi venguva dzedzidzo dzingakupa ruzivo rusina ruzivo rungakubatsira iwe kumashure kwekutora chikwereti chisarudzo.
Kunzwisisa Kuchinja Kwemari neInishuwarenzi Inodiwa
Apo iwe unotenga homeowner inshumwe imwe yezvinhu zvaunopa iwe inshuwarisi yako yekambani ine ruzivo rwekutora chikwereti chako. Zvinogona kuvhiringidza kunzwisisa musiyano pakati peimba yeruzhinji mortgage kuchengetedza uye kuchinja reimba mortgage inshuwaridziro nekuda kwezvose zviri pamusoro pezvikwereti, asi hazvifukidze chinhu chimwe chete.
Iwe Unoda Reverse Mortgage Inishuwarenzi Kana Iwe Watova Neimba Musha Inishuwarenzi kana Inishuwarenzi ye Mortgage?
Kuti tinzwisise mubvunzo uyu, tinoda kutarisa zvinoshandiswa nemishuwarisi yega yega:
- Homeowner Insurance
- Mortgage Insurance
- Reverse Mortgage Insurance
Ko Muridzi Weimba Inoti Kovha Yezvikwereti?
Muridzi weimba inishuwarenzi anowedzera chirevo kumutemo unotora chikwereti chako chebhangi kana mutengesi wekutengesa semugove anonzi anishuwarenzi pamutemo . Chikonzero cheizvi ndechokuti kana imba yacho ichipisa, kana chivako ichikuvadzwa uye iwe uchiri kukwereta mari pane chikwereti, ipapo mupi wekutora chikwereti anofanira kuvhara pane chero zvikwereti zvinotarirwa zvakagadziriswa kugadziriswa kwezvinhu zvinokuvadza kuti zvive nechokwadi chokuti chivakwa chinogadziriswa uye chakavakwa zvakare .
Izvi ndezvokudzivirira chikwereti chekwereti munzvimbo. Kusvikira iwe uchibhadhara chikwereti chako chavo ivo vachiri ivo vagari vemuimba.
Chii chinonzi Mortgage Insurance?
Inishuwarenzi yemu Mortgage kana Private Mortgage Insurance inobatanidza chikwereti chekweretwa chakweretwa kuchikwereti chemari. Iwe unogona kutenga mortgage inshuwarisi kuburikidza nemukweretesi, kana iwe unokwanisa kukwanisa inshuwarhu yehupenyu kwenguva refu pane. Zvichienderana nemamiriro ako ezvinhu, inishuwarenzi yehupenyu huripo ine kukosha kwakakwana kubhadhara zvikwereti zvako zvinofanira kugara zvichiongororwa pamwe nemudzidzisi wako wezvemari asati asarudza kutenga mamwe inshuwarisi. Mumwe anoronga mari anogona kukubatsira kuti uongorore zvaunoda zvinoenderana nemamiriro ako ezvinhu.
Mari Inobvepi Yaunogona Kuwana Kubva Kuchengetedza Kwemari?
Chimwe chezvikonzero zvinotarisa mari yakawanda iyo mwene weimba angakwanisa kuwana kubva kune chikwereti chekubhadhara chikwereti ndeye mari iyo muridzi weimba aizoda kubhadhara sechikamu chemari yekudzokera.
Icho chinonzi reverse mortgage inshuwarisi ndeimwe yemari iyi.
Icho chechipiri mortgage inshuwarisi inzira yemunhu anokweretesa mari yekutengesa kuti aone kuti vanowana mubhadharo wavo wakakwana kana kuenzana mumba kuchiguma kusingakwanisi kubhadhara zvakakweretwa muchechi yakatarisa kutora mari.
Haisi Equity muImba Yakakwana Guarantee yeReverse Mortgage Lender?
Imba yekuenzanisira inowanzova bheji yakanaka yekutengesa chikwereti chekwereti, zvisinei, kune zvimwe zvirwere zvinopfuura kwekutonga kwemunhu anokweretesa uye akwereta anogona kuisa kukosha kwechikwereti pangozi. Chimwe chikonzero chinokonzerwa nekuderera kwekukosha kwemusha. Kubva pane imwe nzvimbo yekubhadhara chikwereti iyo chikwereti inobhadharwa nekukosha kweimba kana inenge yatengeswa, kana nokuda kwechimwe chikonzero kukosha kweimba kunoderera ipapo mupepeti haazogoni kubhadhara mari yavo yese uye aizoshandisa reverse mortgage inshuwarisi kuti muridzi weimba anokweretwa mberi mumari yepokutanga yemari yekuwana mari yose yokubhadhara.
Chii chinonzi HECM Reverse Mortgage Insurance MIP?
Mhuri Equity Conversion Mortgages (HECMs) iyo inoshandiswa nehurumende-inshuwarheni inoshandiswa kubva kune dzimwe nyika inosanganisira mari yekubhadhara mari (MIP) pakuvhara uye gore negore.
Iwe Unogona Kurapa Reverse Mortgage?
Mune mamiriro ezvinhu akawanda kana iwe uchisayina chikwereti chekubhadhara iwe unogona kuva nekodzero ye "kubvisa." Zvichienderana nekutenga chikwereti, izvi zvinogona kukubvumira kubvisa chikwereti kana iwe ukadaro mukati memazuva matatu kubva pakusayina. Usati waita chero zvisarudzo zvive nechokwadi uye uongorore zvose zvaungasarudza.
Icho Chitendero Chinopesana Ndicho Chete Chaunogona Kana Wakabviswa Kuti Uwane Mari?
Kutora kubhadhara chikwereti chiri kunyanya kusarudza kushandiswa kwehutano hwawakavaka mumba mako kuti utange kubhadhara mari yako yekurega basa, kana zvimwe zvikamu zvehupenyu hwako, Yeuka izvi zviri kuderedza kukosha kweimba yako uye hausi iwe chete unosarudza.
Dzorera Mortgage Resources kuti Ikubatsire Kuita Chisarudzo Chakanaka
Kana iwe wakanyatsosungirwa kuti uwane mari, reverse mortgage ingasakwanise kugadzirisa matambudziko ako ose kubva iwe uchatozofanira kuita pfuma yekugadzirisa, uye uchange uchiri kubhadhara imwe mari yeimba yako. Masangano mazhinji anopa ruzivo rwakakosha nemari kuti ikubatsire kutarisa zvaunosarudza. Kunze kwekutaurirana nevanachipangamazano vezvemari uye vashandi vanovimba navo, hezvino pane zvimwe zvinhu zvekushandisa kuti iwe uongorore zvakare: Consumer Financial Protection Bureau uye Reverse Mortgage Education Project .