Yakavharwa-Kupera vs. Piggyback Zvikwereti: Kusarudza Sarudzo Yakarurama

Kana zvasvika kune equity mari, varidzi vemba vane akawanda sarudzo dzekuwana kukosha kwemba yavo, neiyo Yakavharwa-End.chikwereti chechipiri(CES) uye zvikwereti zvepiggyback zvakamira kunze. Ose ari maviri anowira pasi peamburera yeChipiri Mortgage, asi anoshandira zvinangwa zvakasiyana. CES yakamira yega yakanakira mari yenguva imwe chete senge mari yekuvandudza imba kana zvikwereti zvekubatanidza chikwereti, nepo piggyback chikwereti chinowanzo shandiswa pakutenga kudzivirira imwe mari. Ichi chinyorwa chinopaza misiyano yavo kuti ikubatsire kusarudza iyo chaiyo Imba Equity Chikwereti chezvinangwa zvako.

A stand-alone CES iClosed-End Second Loan inopa mari yakatarwa, inodzoserwa mukati menguva yakatarwa ine mubereko wakatsiga. Yakanakira varidzi vedzimba vane equity iripo vanoda mari pasina kudzorera mari yavo yekutanga mortgage. Semuyenzaniso, CES inogona kupa mari ye $30,000 yekutsiva denga, ichipa muripo unofanofungidzira wekubhadhara mari yekuvandudza imba. Chikwereti chine simba chekubatanidza chikwereti, chinokutendera kuti ubatanidze zvikwereti zvine mwero muchikamu chimwe chete cheChipiri cheMortgage chine mitengo kazhinji iri pasi pegumi muzana. Vanokweretesa vanowanzodaFull Docverification - mutero wekudzoka, humbowo hwemari, uye kiredhiti chibodzwa pamusoro pe620 - asi mamwe maitiro edoc senge zvirevo zvebhangi anowanikwa kune vasiri vemazuva ano vanotambira.

Kusiyana neizvi, chikwereti chepiggyback iChipiri Mortgage inotorwa panguva imwe chete neyako yekutanga mortgage, inowanzo gadziriswa se80-10-10 dhiri (80% yekutanga mortgage, 10% piggyback, 10% kubhadhara pasi). Basa rayo guru nderekubvisa yakavanzika mortgage inishuwarenzi (PMI) kana kubhadhara kwako kuri pasi pe20%. Kusiyana neCES yakamira-yega, piggyback haina kugadzirwa mushure mekutenga equity mari asi kurerutsa mutengo wekutenga. Semuenzaniso, paimba yemadhora mazana mana, chikwereti chemadhora mazana mana emadhora chinovhara chikamu chemubhadharo wepasi, zvichikuchengetera muripo wePMI.

Sarudzo pakati pekumira-yega CES uye piggyback inoenderana nenguva uye chinangwa. Kana iwe uri kutenga imba uye pfupi pamari, piggyback inogona kuita kuti muridzi wacho akwanise. Kana iwe uchitova neimba yako uye uchida Imba Equity Chikwereti chekubatanidza chikwereti kana kugadzirisa, CES ndiyo inokodzera zvirinani. Iyo yakamira-yega CES inochengetedza mazwi ako ekutanga embavha, ichipa kuchinjika kune yakazara doc kana imwe doc inokwereta. Nekudaro, zvikwereti zvepiggyback zvinogona kutakura mitengo yakakwira, sezvo iri riskier kune vanokweretesa.

Sarudzo dzese dziri mbiri dzinoshandisa imba yako sechibatiso, saka kusarongeka kune njodzi kuvharwa. Kuti usarudze, ongorora kuenzana kwako-bvisa mari yako yembavha kubva pakukosha kweimba yako-uye iva nechokwadi chokuti chiyero chako cheDTI chinotsigira mamwe mabhadharo. Enzanisa vakweretesi kuti uwane anokwikwidza CES kana piggyback mazwi, uye funga kubvunza chipangamazano wezvemari.

Pakupedzisira, Yakavharwa-Kupera Kwechipiri Chikwereti chinopenya mari yekuvandudza imba uye zvikwereti zvekubatanidza chikwereti, nepo piggyback zvikwereti zvinoenderana nekutenga mamiriro. Nekunzwisisa aya echipiri Mortgage marudzi, unogona kushandisa equity mari yekuzadzisa zvaunoda zvinobudirira.