10/18/2023

Kana zvasvika pakuvhura equity yakavakirwa mumba mako, Imba Equity Line yeChikwereti, kana HELOC, inogona kuve chishandiso chine simba chemari.Mugwaro rino rakazara, tichaongorora kuomesesa kweHELOC, tichitsanangura chinangwa chayo, tichitsanangura mashandire ainoita, uye kuburitsa mabhenefiti nekufunga kune varidzi vedzimba vanoongorora iyi nzira yezvemari yakawanda.

Kutsanangura HELOC

A Home Equity Line yeChikwereti (HELOC) mutsara wechikwereti unotenderera unobvumira varidzi vedzimba kukwereta vachipesana nechiyero chiri mudzimba dzavo.Kusiyana nechikwereti chekare, HELOC inopa mhinduro yekukwereta inochinjika apo varidzi vemba vanogona kutora mari sezvinodiwa, kusvika padanho rechikwereti rakafanotemerwa.

Iyo HELOC Inoshanda sei

1. Equity Assessment:
   • Danho Rokutanga: Vanokweretesa vanoongorora kuenzana kwemuridzi wemba nekutarisa mutsauko uripo pakati pemutengo wemusika wazvino wemba uye chiyero chemondi chasara.
2. Kugadzira Chikwereti Chikwereti:
   • Kutemerwa Chikwereti: Kubva pane yakaongororwa equity, vanokweretesa vanogadzika muganho wechikwereti, zvichiratidza huwandu hwakanyanya hunogona kukweretwa nevaridzi vemba.
3. Kutenderera Kuwana Mari:
   • Kuchinja-chinja: Varidzi vepamba vanogona kuwana mari sezvinodiwa, zvakafanana nekadhi rechikwereti, mukati meiyo yakatarwa yechikwereti panguva yekudhirowa.
4. Kudhirowa uye Kudzorera Nguva:
   • Kudhirowa Period: Kazhinji makore ekutanga 5-10, panguva iyo varidzi vemba vanogona kutora mari.
   • Nguva Yekudzosera: Inotevera nguva yekudhirowa, apo varidzi vemba vanodzorera mari yakakweretwa pamwe nemubereko.

Mabhenefiti eHELOC

1. Flexibility muKushandisa:
   • Zvakanakira: Varidzi vedzimba vanogona kushandisa mari yeHELOC kune zvinangwa zvakasiyana, zvinosanganisira kuvandudza imba, mari yedzidzo, kana kubatanidza chikwereti.
2. Kubhadhara-Kubhadhara Chete:
   • Zvakanakira: Munguva yekudhirowa, varidzi vemba vanogona kuve nesarudzo yekubhadhara mubereko-chete, ichipa kuchinjika mukugadzirisa kuyerera kwemari pamwedzi.
3. Variable Interest Rates:
   • Zvakanakira: HELOCs kazhinji inouya nemibereko yakasiyana-siyana, zvichiita kuti varidzi vedzimba vabatsirwe kubva pakuderera kwemhindu yavangangoita.

Mafungiro kune Varidzi Vedzimba

1. Variable Interest Rates:
   • Kufunga: Kunyange mareti akasiyana achipa kuchinjika, anoisawo njodzi yekuwedzera nekufamba kwenguva, zvichikanganisa kubhadhara pamwedzi.
2. Kuranga Kwemari:
   • Kurangarira: Varidzi vedzimba vanofanira kushandisa chirango chemari kuti vadzivise kuwandisa uye kuva nechokwadi chokuti vanogona kusvitsa mitoro yekubhadhara.
3. Kuchinja Kwekukosha Kwepamba:
   • Kufunga: Shanduko mumusika wezvivakwa zvinogona kukanganisa kukosha kwemba, zvichikanganisa huwandu hweequity iripo yekukwereta.

Kufambisa iyo HELOC Maitiro

1. Equity Assessment Consultation:
   • Danho Rokutanga: Varidzi vedzimba vanofanirwa kubvunza nevanokweretesa kuti vaone kuenzana kwavo uye kuona kukodzera kweHELOC.
2. Kuenzanisa Zvipo:
   • Nhungamiro: Zvinokurudzirwa kuenzanisa kupa kweHELOC kubva kune vakasiyana-siyana vanokweretesa, uchifunga nezvezvinhu zvakadai semari yemubereko, muripo, uye mirau yekudzorera.
3. Kunzwisisa Terms:
   • Nhungamiro: Varidzi vedzimba vanofanira kunyatsonzwisisa mazwi eHELOC, kusanganisira nguva yekudhirowa uye yekubhadhara, mibairo, uye mari inogona kubhadharwa.

Mhedziso: Kushandisa HELOC yeKusimbisa Kwemari

A Home Equity Line yeChikwereti (HELOC) chishandiso chemari chinogoneka chinopa varidzi vedzimba simba rekusimudzira kuenzana mudzimba dzavo kune zvakasiyana siyana zvinodiwa zvemari.Nekunzwisisa mashandiro anoita HELOC, mabhenefiti ayo, uye kufunga nezvezvinhu zvakakosha, varidzi vemba vanogona kuita sarudzo vaine ruzivo kuti vawedzere kuchinjika kwavo mune zvemari uye kuzadzisa zvinangwa zvavo.Sezvinoita chero chigadzirwa chemari, kunyatsotarisisa, kunyatso tsvagurudza, uye kutungamira kwehunyanzvi kunoita basa rakakosha mukuwedzera zvakanakira HELOC uku uchigadzirisa njodzi dzinogona kuitika.Kunyangwe iwe uri kutsvaga kugadziridza imba yako, kudzidzisa mari, kana kubatanidza chikwereti, HELOC inogona kuve yakakosha sosi munzira yako yekugonesa 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.