11/15/2023

Munzvimbo yekutenga nekubhadhara imba, kunzwisisa mutsauko uripo pakati pemari yekubvisa mari uye chikwereti chemari yemba kwakakosha kune varidzi vedzimba kutsvaga kuwedzera kuenzana mudzimba dzavo.Iri gwara rakazara rinopa muono mukati mezvimiro, mabhenefiti, uye kufunga kwezvose zviri zviviri sarudzo, ichipa simba varidzi vedzimba kuita sarudzo dzemari vaine ruzivo.

Cash-Out Refinance: Kupinda muImba Equity Kuburikidza neNyowani Mortgage

Tsanangudzo uye Mechanism

Mari-out refinance inosanganisira kutsiva imba yako yagara iripo neitsva iyo yakakwirira kudarika yazvino yasara.Musiyano uripo pakati pechikwereti chitsva neicho chiripo unobhadharwa kumuridzi wemba nemari.Iyi sarudzo inobvumira varidzi vemba kuti vawane chikamu chemari yavo yepamba pavanenge vachibhadhara mari yavo yemba.

Key Features

1. Chikwereti Chikwereti: Chikwereti chitsva chinogona kukwirira kupfuura chiripo, ichipa varidzi vemba nenhamba yemari.
2. Chiyero chemubereko: Chiyero chemubereko pachikwereti chitsva chinogona kusiyana nechiyero chepakutanga, zvichikanganisa mutengo wese wechikwereti.
3. Kubhadhara: Mari yekubuda-mari inodzoserwa pamusoro pehupenyu hwechikwereti chitsva, paine zvakagadziriswa kana zvinogadziriswa-mwero sarudzo dziripo.
4. Mutero Zvinorehwa: Chibereko chinobhadharwa pachikamu chemari-kunze chechikwereti chinogona kubviswa mutero, zvichienderana nekushandiswa kwemari.

Chikwereti cheHome Equity: Yechipiri Mortgage yeTargeted Financing

Tsanangudzo uye Mechanism

Chikwereti chemubhadharo wemba, chinozivikanwawo sechipiri chembavha, chinosanganisira kukwereta mari yakatarwa uchipesana nechiyero chiri mumba mako.Kusiyana nerefinance yekubvisa mari, haitsivire mari yembavha iripo asi iripo sechikwereti chakaparadzana chine mazwi ayo uye mubhadharo.

Key Features

1. Fixed Chikwereti Chikwereti: Zvikwereti zvepamba zvinopa chitsama chemari kumberi, paine mari yechikwereti chayakatarwa pakutanga.
2. Chibereko chemubereko: Kazhinji, zvikwereti zvemba zvine mubereko wakamisikidzwa, zvichipa kugadzikana mukubhadhara kwemwedzi.
3. Kudzorera: Mari yakakweretwa inobhadharwa pane imwe nguva yakatarwa, uye mari yemwedzi inoramba ichienderana munguva yose yechikwereti.
4. Zvinoreva Mutero: Zvakafanana nerefinance yecash-out, mhindu pachikwereti cheimba inogona kubvisirwa mutero, zvichienderana nemimwe migariro.

Kuenzanisa Idzo Sarudzo mbiri: Mafungiro kune Varidzi Vedzimba

Mbereko uye Mari

• Cash-Out Refinance: Inogona kuuya neitsva, inogona kuderera mubereko, asi yekuvhara mari inogona kushanda.
• Chikwereti cheHome Equity: Kazhinji ine mubereko wepamusoro pane wemari-out refinance, asi mari yekuvhara inogona kudzikira.

Mari Yechikwereti uye Nguva

• Cash-Out Refinance: Inobvumira varidzi vedzimba kuti vatsigire mari yakakwira ine nguva inogona kuwedzerwa.
• Chikwereti cheHome Equity: Inopa chitsama chine nguva yakatarwa, kazhinji ipfupi pane yekutenga imba.

Flexibility uye Kushandisa

• Cash-Out Refinance: Inopa kuchinjika mukushandisa mari yezvinangwa zvakasiyana, zvinosanganisira kuvandudzwa kwemba, kubatanidza chikwereti, kana mari huru.
• Imba Equity Chikwereti: Inokodzera zvakatemwa, zvakarongwa mari nekuda kweiyo yakagadziriswa sum sum nature.

Njodzi uye Kufunga

• Cash-Out Refinance: Inowedzera chikwereti chemari yemba uye inogona kutakura njodzi yemitengo yakakwira pamusoro pehupenyu hwechikwereti.
• Imba Equity Chikwereti: Inosuma yechipiri chikwereti chemba asi haina kukanganisa mazwi ekutanga mortgage.

Kuita Sarudzo Dzakadzidziswa: Zvinhu Zvokufunga nezvazvo

1. Zvinangwa Zvemari uye Zvinodiwa

Ongorora zvibodzwa zvako zvemari uye izvo chaizvo zvinodiwa zvinotyaira chishuwo chako chekupinda mukuenzana kwemba.Kungave kuri kupa mari purojekiti hombe, kubatanidza chikwereti, kana kubhadhara zvakakosha mari, batanidza sarudzo yako nezvinangwa zvako zvemari.

2. Interest Rate Outlook

Funga nezvenzvimbo iripo yemhindu uye fungidziro dzemitengo yeramangwana.Mari-out refinance inogona kuva yakanaka munzvimbo ine mubereko wakaderera, nepo chikwereti chemari yemba chine mwero wakatarwa chinopa kugadzikana.

3. Total Mari uye Fees

Factor in the total cost inoenderana nesarudzo yega yega, kusanganisira mari yekuvhara, muripo, uye mari yemhindu inobvira muhupenyu hwese hwechikwereti.Kunzwisisa kukanganiswa kwemari kwese kwakakosha pakuita zvisarudzo zvine ruzivo.

4. Home Equity Kufunga

Ongorora zvazvino uye zvinogona kuitika mune ramangwana kuenzana mumba mako.Kunzwisisa kukosha kwemba yako uye kuenzana kwenzvimbo kunobatsira kuona kugona uye mabhenefiti esarudzo yega yega.

Mhedziso

Muchisarudzo pakati pemari-out refinance uye chikwereti cheimba, varidzi vemba vanofanira kunyatsoongorora zvakanakira, zvisingabatsiri, uye mamiriro avo emari chaiwo.Sarudzo dzese dziri mbiri dzinopa mabhenefiti akasiyana, uye sarudzo yakakwana inoenderana nezvibodzwa zvemunhu, zvaunofarira, uye hurongwa hwemari hwese.Nekuongorora maficha, zvinotariswa, uye zvingangoitika zvesarudzo yega yega, varidzi vemba vanogona kufamba mukuita sarudzo vaine chivimbo, vachiona kuti nzira yavo yekubhadhara mari yakasarudzwa inowirirana nezvinangwa zvavo zvemari.

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.