11/15/2023

Paunenge uchitarisa munzvimbo yekubhadhara mari-kunze, kunzwisisa pfungwa ye "cash-out seasoning" uye zvinodiwa zvayo zvinova zvakakosha.Gwaro iri rine chinangwa chekuburitsa zvikukutu zvekubuda kwemari, kuongorora tsananguro yayo, kukosha, uye izvo zvakakosha zvinodiwa nevakweretesi vanowanzo kuisirwa.

Kutsanangura Cash-Out Seasoning

Cash-out seasoning inoreva nguva iyo muridzi wemba anofanirwa kumirira pakati pekutanga kutenga imba kana kugadziridzwa uye kunotevera mari yekubvisa mari.Iyi nguva yekumirira inzira yekudzikisa njodzi kune vanokweretesa, kuve nechokwadi chekuti mukwereti ane nhoroondo yekubhadhara yakagadzikana uye kukwana kwakakwana asati awana imwe mari.

Kukosha Kwemari-Kubuda Seasoning

Nguva yekudyara-mari inoshandira zvinangwa zvakawanda, zvinosanganisira:

1. Kuderedza Njodzi: Vanokweretesa vanoshandisa zvinodikanwa zvemwaka kuderedza njodzi ine chekuita nekubhadhara mari.Nguva yekumirira inovabvumira kuongorora maitiro ekudzorera emukwereti uye kugadzikana kwemutengo wepfuma.
2. Equity Confirmation: Nguva dzekumirira dzinobatsira kusimbisa kuti chivakwa chakakoshesa mukukosha, uye mukwereti akavaka chiyero chakaringana.Izvi zvinoita kuti pave nechiyero chakachengeteka chechikwereti-ku-value.
3. Payment History Assessment: Vanokweretesa vanoshandisa nguva yemwaka kuti vaongorore nhoroondo yekubhadhara yemukwereti.Kubhadhara nguva dzose uye nenguva kunowedzera kukwereta kwemukwereti.

Cash-Out Seasoning Zvinodiwa: Key Factors

1. Rudzi rwechikwereti

Rudzi rwechikwereti uyo anokwereta ari kudzosera mari inoita basa rakakosha.Kune zvikwereti zvakajairika, chinodiwa chemwaka chinowanzoita mwedzi mitanhatu, nepo FHA zvikwereti zvinowanzova nemwedzi gumi nemiviri yemwaka.

2. Chikwereti Chibodzwa

Vanokwereta vane zvikwereti zvepamusoro vanogona kunge vari pasi penguva pfupi yemwaka, sezvo kukweretwa kwavo kwakatosimbiswa.

3. Mamiriro Ekugara

Mamiriro ekugara kwenzvimbo - ingave imba yekutanga, imba yechipiri, kana nzvimbo yekudyara - inogona kukanganisa zvinodikanwa zvemwaka.Dzimba dzekutanga dzekugara dzinowanzova nerunyoro zvinodikanwa zvekuringa.

4. Chikwereti-ku-Kukosha (LTV) Ratio

Vanokweretesa vanogona kufunga nezvereshiyo yechikwereti-ku-value pavanenge vachiona zvinodiwa zvemwaka.Iyo yakaderera LTV reshiyo inogona kukonzera nguva pfupi yemwaka.

5. Nhoroondo Yekubhadhara

Nhoroondo yekubhadhara inowirirana uye yakanaka panguva yekutanga yechikwereti inogona kubatsira kune inoshanduka-shanduka inodiwa yemwaka.

Kufambisa Cash-Out Seasoning: Mazano kune Vanokwereta

1. Nzwisisa Mitemo yeMukweretesi

Vakweretesi vakasiyana vanogona kunge vaine zvakasiyana-siyana zvinodiwa zvemwaka.Kunzwisisa marongero evanogona kukweretesa kwakakosha pakuronga refinance yemari.

2. Kuvandudza Creditworthiness

Kuvandudza chikwereti chako chekwereti kunogona kukanganisa zvinodikanwa zvemwaka.Tarisa pakuita kubhadhara panguva uye kugadzirisa chero nyaya pane yako kiredhiti repoti.

3. Ongorora Property Equity

Ita shuwa kuti pfuma yako yakakoshesa mukukosha, zvichipa kune yakanakira chikwereti-ku-value reshiyo.Izvi zvinogona kutungamirira kune zvinyoro zvishoma zvinodiwa zvekurunga.

4. Bvunza neMortgage Professionals

Bata nevemortgage nyanzvi kuti uwane ruzivo rwezvingangove zvinodikanwa zvemwaka zvichibva pane yako chaiyo mamiriro emari uye zvinangwa.

Mhedziso: Kuziva Sarudzo-Kuita muCash-Out Refinancing

Paunenge uchifunga nezve mari yekubvisa mari, kufamba-famba munzvimbo yezvinodikanwa zvekurungwa chinhu chakakosha pakuita sarudzo.Nekunzwisisa izvo zvinopesvedzera mari-kunze kwekudyara, kuongorora mamiriro ako akasiyana, uye kushanda padhuze nevane ruzivo vemortgage nyanzvi, unogona kuzviisa wega kune yakabudirira uye isina musono-yekuburitsa mari-yekudzokorodza ruzivo.Rangarira kuti mamiriro ega ega ekukweretesa akasiyana, uye kugadzirisa nzira yako kuti isangane nezvinodiwa nevakweretesi kunozopa mubairo wakanaka murwendo rwako rwekubhadhara mari.

Chirevo: Ichi chinyorwa chakagadziridzwa neAAA LENDIS;mamwe emifananidzo akatorwa kubva kuInternet, nzvimbo yesaiti haina kumiririrwa uye haigone kudhindwa zvakare pasina mvumo.Pane njodzi mumusika uye mari inofanira kungwarira.Ichi chinyorwa hachiumbe zano rekudyara wega, uye haritarise zvinangwa zvekudyara, mamiriro emari kana zvinodiwa zvevashandisi vega.Vashandisi vanofanirwa kufunga kuti chero maonero, maonero kana mhedziso dzirimo dzirimo dzakaenderana nemamiriro avo ezvinhu.Isai mari zvinoenderana nenjodzi yenyu.