12/05/2023

Nhanganyaya

Imba Equity Line yeChikwereti (HELOC)yave yakakurumbira nzira yekubhadhara mari kune varidzi vedzimba vari kutsvaga kupinda mukuenzana kwedzimba dzavo.Kunyange ichipa kuchinjika uye mubereko wakaderera, vanhu vazhinji vachiri nemibvunzo nezve maficha ayo, kunyanya iyo isina prepaid chirango clause uye yakaderera yekuvhara mutengo.Muchikamu chino, tinopa mhinduro dzakadzama kumibvunzo yako inowanzo bvunzwa nezve HELOC uye kukubatsira kuita sarudzo ine ruzivo.

Chii chinonzi HELOC?

Usati wanyura mune nitty-gritty yeHELOC, ngatitangei tatsanangura kuti chii.A Home Equity Line yeChikwereti imhando yekiredhiti inotenderera inobvumira varidzi vedzimba kukwereta vachipesana nechiyero chiripo mumba mavo.Mari yakatemerwa inowanzoenderana nechikamu chemutengo wakatemerwa weimba wobvisa iyo yasara yemortgage balance.

HELOC Inoshanda Sei?
Zvino zvaunoziva kuti chii aHELOCndizvo, heino mashandiro ayo:

Maitiro Okushandisa:Maitiro ekunyorera aHELOCyakafanana neyechinyakare mortgage.Iwe unozofanirwa kupa magwaro emari, akadai semari yekubhadhara, marefisi emitero, uye masitatimendi ekubhangi, kuratidza mari yako uye kukweretwa.
Mvumo: Mushure mekutumira chikumbiro chako, mukweretesi anochiongorora uye osarudza kana achichibvumidza.Kana ikabvumirwa, iwe uchagamuchira nguva yekudhirowa panguva yaunogona kukwereta mari.
Nguva yekudhirowa:Munguva yekudhirowa, unogona kukwereta kusvika kune yako kiredhiti yakatarwa pese paunoda.Mukwereti anoita mubhadharo wepamwedzi wemubereko chete panguva iyi.
Repayment Phase:Kana nguva yekudhirowa yapera, chikamu chekubhadhara chinotanga.Panguva ino, iwe unofanirwa kutanga kubhadhara mukuru pamwe nemubereko.

Zvinokosha zveHELOC:

Panguva ino, unogona kushamisika kuti sei aHELOCzvakakodzera kufunga.Ngatiburitse maficha ayo akakosha:

Chinokosha #1:Adjustable Rate: A HELOC kazhinji inouya neinogadziriswa mubereko, zvinoreva kuti mari yako yepamwedzi inogona kuchinja nekufamba kwenguva.Kunyangwe izvi zvichigona kukonzera mubhadharo wepamwedzi wakakwira, zvinokupawo kuchinjika sezvo uchikwanisa kubvisa chimbadzo chako pamitero yako.

Chinokosha #2:Hapana Chirango Chekubhadhara Chekare: Chimwe chezvinhu zvinoyevedza zveHELOC ndechekuti haiuye nemubhadharo wakabhadharwa.Izvi zvinoreva kuti iwe unogona kubhadhara chikwereti nekukurumidza pasina kunetseka nezve imwe mari kana zvirango.

Chinokosha #3:Mari Yekuvhara Yakaderera: Kana ichienzaniswa nedzimwe mhando dzezvikwereti, HELOCs inowanzova nemutengo wakaderera wekuvhara.Izvi zvinogona kukuchengetedza zviuru zvemadhora mumitengo yepamberi uye kukubatsira kuchengetedza mari yako yakachengetedzwa.

FAQs Nezve HELOC

Nezvakakosha zvakafukidzwa, ikozvino yave nguva yekupindura mimwe mibvunzo yakajairika nezve HELOCs:

Mubvunzo #1: Ndeipi Mari Yakakura Yandinogona Kukwereta?
Mhinduro: Huwandu hwepamusoro hwaunogona kukwereta hunoenderana nechikwereti chako, mari yaunowana, uye kukosha kwazvino kwemba yako.Kazhinji, vanokweretesa vanopa inosvika 90% yemutengo wemba yako zvishoma chero iripo yemortgage zviyero.

Mubvunzo #2: Ndinotora Nguva Yakadii Yekubhadhara Chikwereti?
Mhinduro: Nguva yekubhadhara yeHELOC inotangira pamakore mashanu kusvika gumi.Panguva ino, iwe uchaita mari yakagadziriswa pamwedzi inosanganisira zvese mubereko uye musimboti.

Mubvunzo #3: Chiyero Changu Chinozochinja Here?
Mhinduro: Hongu, mubereko wako unogona kuchinja nekufamba kwenguva nekuda kwekuchinja kwemusika kana kuchinja mamiriro ehupfumi.Kudzikamisa njodzi iyi, tenga uchitenderedza kuti uwane yakanakisa HELOC dhiri kubva kune vakawanda vanokweretesa kuti uwane imwe ine chiyero chakagadzikana.

Ini Ndinogona Kubuda muHELOC Kare Ndisina Kurohwa NeZvirango Zvekubhadhara?
Hongu, unogona kubhadhara HELOC yako nekukurumidza pasina kuunza imwe mari yekuwedzera kana zvirango.Muchokwadi, iwe unogona kuita imwe mari yekubhadhara kune yako bhari pese paunoda.Ingoziva kuti chisungo chako chekubhadhara pamwedzi chinoramba chakafanana panguva yese yekudhirowa;saka, chero mari yekukurumidza haizokanganisa kubhadhara kwako pamwedzi kunze kwekunge wasarudza neimwe nzira.

Kuve neHELOC Kunokanganisa Kugona Kwangu Kuwana Mamwe Mafomu Echikwereti?
Kuve neHELOC hakufanire kukanganisa kugona kwako kuwana mamwe marudzi echikwereti.Sezvo inoshandisa imba yako sechibatiso pane kudhonza chiyero ipapo ipapo, kuva nemitsara miviri yakaparadzana yekiredhiti hakukuvadze chiyero chako chekushandisa kiredhiti kana kuderedza miganho yako yechikwereti iripo.Ehezve, gara uchitarisa nemasangano ega ega kune avo marongero ekukwereta pamwe usati wanyorera.

Ndedzipi Dzimwe Njodzi Dzinogona Kubatana Nekushandisa HELOC?
Kufanana nedzimwe nzira dzechikwereti, pane njodzi dzinowanikwa pakutora HELOC.Ita shuwa kuti wanzwisisa izvi usati wazvipira:
Njodzi #1: Kutadza Kubhadhara Chikwereti: Kana iwe ukatadza kubhadhara nenguva, mukweretesi anogona kufanovhara imba yako.Izvi zvinopukuta chero chiyero chasara uye zvokonzera kurasikirwa kukuru kwezviwanikwa zvakaiswa mari kusvika parizvino.Naizvozvo, gara uchikoshesa kubhadhara panguva yakakodzera kupfuura zvimwe
Njodzi #2: Kuchinja-chinja Kwemusika: Sezvambotaurwa, kukwira kwemitengo yemusika kunobvumira vanokwereta kuti vawedzere kiredhiti yavo pakuvandudzwa kana kubhadhara - asi chii chinoitika kana mitengo yedzimba ichidzikira?Unogona kuzviwana uine chikwereti chinodarika kukosha kwemusika wepamba pako, zvichitungamira kune dambudziko remari.Gara uchiongorora njodzi dzinogona kuitika usati wazvipira kune chero chinhu chenguva refu.

Kuvhara Pfungwa

Nepo aHELOCinopa mabhenefiti akawanda, zvakakosha kuti uenderere mberi uchifunga uye kunyatsofunga nezvemamiriro ako emari usati wasaina chero zvibvumirano.Ita shuwa kuti unobvunza mibvunzo, enzanisa sarudzo dzekukweretesa, uye sarudza nehungwaru zvinoenderana neAKO akasiyana mamiriro.Rangarira, kana magwaro akasainwa uye ekutanga apera, usazeza kutsvaga nhungamiro kana matambudziko akamuka munzira yekuenda mberi - nekuti pakupedzisira, kugara kwako kwemari ndiko kunonyanya kukosha!

Nezve AAA Lendings

Yakavambwa muna 2007, AAA Lendings yave inotungamira mukweretesi wemondi ane anopfuura makore gumi nemashanu ekunaka.Yedu yepakona iri kupa isingaenzaniswi sevhisi uye kuvimbika, kuve nechokwadi chekugutsikana kwakanyanya kwevatengi vedu.

Nyanzvi muhuwandu hwakawanda hweZvisiri-QM zvigadzirwa-kusanganisiraNo Doc Hapana Chikwereti, Kuzvigadzirira P&L, WVOE, DSCR, Bank Statements, Jumbo, HELOC, Close End Secondzvirongwa—tinotungamira mumusika wechikwereti we'Non-QM'.Isu tinonzwisisa kuomarara kwekuchengetedza zvikwereti uye tine akasiyana 'Chikwereti Arsenal' kusangana nematambudziko aya.Kupinda kwedu kwekutanga mumusika weNon-QM kwakatipa hunyanzvi hwakasiyana.Nhamburiko dzedu dzokupayona zvinoreva kuti tinonzwisisa zvidikanwi zvako zvemari zvakasiyana.NeAAA Lendings, kusvika pazvinangwa zvako zvemari zviri nyore uye zvinowanika.

Tabatsira mhuri dzinoda kusvika zviuru makumi mashanu kuti zviroto zvadzo zvemari zvizadziswe, nemari yechikwereti ichipfuura mabhiriyoni makumi maviri emadhora.Kuvapo kwedu kwakakosha munzvimbo dzakakosha seAZ, CA, DC, FL, NV, uye TX zvinotitendera kuti tishumire huwandu hwevanhu.

Nevanopfuura zana vakazvipira vamiririri uye vari-mumba vanonyora pasi uye zvikwata zvekuongorora, isu tinoona yakagadziridzwa uye isina kunetseka-yekukwereta maitiro.

VhidhiyoHELOC - Kuvhura Mabhenefiti eZvakaderera Kuvhara Mari & Hapana Prepaid Chirango

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.