Kudzoka kutora chikwereti hachisi shoko risina kuchena
Chimwe chezvinhu zvinowanzoshandiswa kutora chikwereti chinyorwa; vana vakawanda vevabereki vari kufunga nezvechirwere chekutengeserana vanotya kuti nhaka yavo inogona kuderera kana amai kana baba vachibvisa chikwereti ichocho.
Kutaura zvazviri, kushandisa kumusha kukwana panzvimbo yekushandisa zvakawanda IRA mari inogona kuchengetedza pfuma yakawanda kune vagari venhaka. Mune zvimwe zviitiko, inogonawo kupa mimwe mitero inobatsira kune vagari venhaka. Semuenzaniso, kana vabereki vachiraira zviri pamutemo ivo vanoda kuti imba iende kuvana kuti vazotengeserwe, vagari venhaka vachagara nhaka yekutora mutero kwekuwana chikwereti chisina kubhadharwa. Ichi ndicho chimwe chezvinhu zvakawanda zvisinganzwisisi "pros" zvekudzoka kwemari. Zvimwe zvinowedzera uye zvinowanikwa zviri pasi apa.
Reverse mortgage pros
- Hapana kubhadhara kwemwedzi unodiwa
- Hapana mari kana mari inoshandiswa
- Kwete kwete pasi pekwereti chikoro
- Hapana mitezo pamashandisirwo emari
- Inopa mari isina mari
- Mari yechikwereti haisi yekugadzirisa: haungambokweretesi kupfuura kukosha kweimba
- Hapana gwaro rega rega rinodiwa
- Ingave yakanyorwa mukutenda kwako kana hupenyu hwehupenyu (zvakadai sehupenyu husingarambiki hwetariro kana kutendeseka kusingachinji)
- Inopa mari yakavimbiswa yeupenyu.
- Kudzorera purogiramu yemapurogiramu inogadziriswa nehurumende, saka mari uye mazwi anowirirana kune vose vanokweretesa
- Hurumende inogadzirisa kushandiswa kwako kwekutengesa kuitira kuti kana mari yako inotora chikwereti ichikwira kudarika zvakakosha zveimba yako mukwereti haagoni kutora imba yako uye iwe hauna chikwereti, uye mhuri yako
- Paunotengesa imba yako, sezvinongoita chero chikwereti chemari, chikwereti chinobhadharwa uye chero humwe hutano huri iwe
- Iwe unogona kukwereta pane imwe nzvimbo pakati pe55% ne70% yemari yeimba yako
- Kudzorera zvikwereti zvekutengesa hazvibatsiri chikwereti chako chikoro
- Iwe une pfuma iyo nguva dzose
Zvishandiso zvekare zvekutora chikwereti
- Seine rutsva rechikwata chekupa mari
- Kuti kuderedze njodzi yekubuda kwezvinhu
- Kupa mari kuitira kuti ugone kutarisa nguva yako ye Social Social start date
- Kubhadhara inshuwarisi yekuchengetedza kwenguva refu
- Kubhadhara mari yako yekutengesa uye kubvisa chikwereti chako chemari
- Kubhadhara kuchengetwa kwekumba-kumba munguva pfupi muupenyu
Reverse mortgage cons
- Kana iwe ukafamba mukati memakore mashomanana ekubvisa chikwereti chako chekubhadhara mari yaunenge uchibhadhara ingave isina kukodzera kubatsirwa kwaunogamuchira
- Iwe unofanirwa kubhadhara yako yekutengesa mitero uye kuchengeta imba kana kuti chikwereti chinogona kudanwa
- Iwe unofanirwa kunge uine makumi matanhatu (62) kuti uwane chikwereti chekubhadhara chikwereti (kune vakaroorana, zera rinotsanangurwa nevaduku vaviri)
Apo revers mortgage haisi pfungwa yakanaka
- Iwe unofa mangwana
- Iwe unofamba vhiki inotevera
- Unowanzopedza zvakawanda, zvichida kuburikidza nokupa vana vako uye naizvozvo ungaguma usingakwanisi kuramba uchibhadhara mitero yezuva rimwe zuva
- Kana iwe uchikodzero yeMedicaid, mune dzimwe nhepfenyuro inowanikwa kubva kune reverse mortgage ingakanganisa kudiwa kwako, saka ita basa rako rechikoro.
Inguva ipi yekudzokera kwako chikwereti chikwereti chinofanira kuitika?
- Kungofanana nechikwereti chero chipi zvacho apo imba yacho inotengeswa
- Kana uyo akakwereta achienda (wekupedzisira anoramba akwereta) iyo inenge iine gore rimwe chete kubhadhara chikwereti
- Kana uyo anenge akwereta asingachagoni kumba kwemwedzi inopfuura 12 ipapo iwe unosvika kune rimwe gore kuti ubhadhe chikwereti nokutengesa imba, kugadzirisa, kana kungobhadhara chikwereti.
3 zvinhu zvinotarisa kuti iwe ungawana zvakawanda sei
- Zera remunhu anenge akwereta - muduku iwe uri muduku iwe unogona kugamuchira
- Kukosha kweimba yacho - yakawanda $ 625,500 inoshandiswa
- Mhando ye reverse mortgage program yaunosarudza
Tarisa kuti ungawana sei ne reverse mortgage calculator.
Ko mari yakabva kune yako inotora chikwereti inogamuchirwa sei?
- Mari yese kamwe
- Nguva yemwedzi kubhadhara
- Mutsara wechikwereti
- Kana kuti chero kusanganiswa kweiyo pamusoro apa
Vamwe vanhu vanoti rimwe revers mortgage con nderokuti inodhura
Kana wakanzwa kuti kushandiswa kwemari kutengesa kunodhura, unoda kubvunza "mari yakaenzana nekuenzanisa"?
Icho chigadziro chekushandisa imba yekuenzanisa yaunayo. Kutengesa imba ndechimwe chigoni chaungashandisa kusunungura imba yekuenzanisa. Kutengesa kunodhura zvakare. Pasi apa inofungidzirwa mari yekutengesa $ 400,000 pamba:
Inofungidzirwa mari yekutengesa $ 400,000 musha:
- Realtor @ 5%: $ 20,000
- Kugadzirwa kweimba: $ 10,000
- Kuendesa mari: $ 5,000
- Zvose: $ 35,000
Enzanisa izvozvo kune inofungidzirwa mari yekutengesa kune imwe nzvimbo pamusha we $ 400,000 pamba:
- HUD "MIP" @ 2%: $ 8,000 (iyi ndiyo HUD's upfront mortgage inshuwalimendi yeruzhinji)
- Points (sliding scale): $ 6,000
- Kuvhara mari: $ 3,500
- Zvose: $ 17,500
Kana iwe uchingobhadhara mitero, mari inotora mari inogona kutora mari shoma kudarika kushandiswa kwemari kana kubvisa mari yakawandisa kubva kuIRA.
Yeuka, usati waita zvekare kutora chikwereti , ita tsvakurudzo yako uye ita nechokwadi kuti unonzwisisa kuti inoshanda sei. Chero bedzi pachinzwisisa, hapana chikonzero icho chinofanira kuonekwa sechakaipa kana chakaipa.