Imba Equity Zvikwereti zveKuyamura Chikwereti uye Kukwidziridza

Kutarisira mari semuridzi wemba kunogona kunetsa, kunyanya nezvikwereti zvine mubereko mukuru kana kukwidziridzwa kwemba kunenge kwave pedyo. A Imba Equity Chikwereti, inozivikanwawo seYakavharwa-Kuperachikwereti chechipiri(CES) kana Second Mortgage, inopa mhinduro kuburikidza nekushandisa chiyero chemba yako kuti uwane mari yekuenzanisa. Rudzi rwechikwereti urwu runonyanya kushanda pachikwereti chekubatanidza zvikwereti uye mari yekuvandudza imba, zvichikubatsira kuchengetedza mari nekusimudzira chivakwa chako. Ngatinyure mukuti CES ingagadzirise sei mamiriro ako emari.

Chikwereti cheHome Equity chinopa mari ine aFixed Interestmuyero, unobhadharwa muzvikamu zvinowirirana pamwedzi. Ichi chimiro chinoita kuti ive yakakwana yekubatanidza zvikwereti. Semuyenzaniso, kana uri kudhumhanisa zvikwereti zvekadhi rechikwereti nemitengo iri pamusoro pe20%, chikwereti chekubatanidza chikwereti kuburikidza neCES chinogona kudzikisira mubereko wako kusvika pa6-10%, kuderedza mubhadharo wepamwedzi uye mutengo wakakwana. Nekusanganisa zvikwereti zvakawanda kuita imwe Yechipiri Mortgage, iwe unorerutsa bhajeti uye kutarisa kubhadhara pasi mukuru nekukurumidza.

Kunze kwekuregererwa kwechikwereti, mari yekuvandudza imba ndeimwe inomanikidza kushandiswa kweClosed-End Second Loan. Kunyangwe kuri kuwedzera dhizaini nyowani kana kusimudzira yako HVAC system, CES inopa mari kumberi pasina kubata yako yekutanga mortgage. Aya ma investimendi anowanzo wedzera kukosha kwemba yako, zvichiita kuti Imba Equity Chikwereti ive ine hurongwa hwekufamba. Semuenzaniso, $50,000 remodel inotsigirwa neChipiri Mortgage inogona kuwedzera kukosha kwepfuma yako nemadhora makumi manomwe neshanu, ichipa zvese nyaradzo nekudzoka mune ramangwana.

Kukodzera kuCES kunowanzoda full doc verification-pay stubs, W-2s, uye zvibodzwa zvechikwereti zvinosvika 620. Zvisineyi, dzimwe nzira dzedoc dziri kuwedzera, zvichibvumira vanokwereta vane mari isingawanzoiti kuti vatumire zvinyorwa zvebhangi panzvimbo. Iyo yakamira yega CES inonyanya kufadza, sezvo isingakanganise chikwereti chako chiripo, kusiyana nechikwereti chepiggyback chinoshandiswa panguva yekutenga imba kuvhara mubhadharo. NeCES yakamira yega, iwe unowana mari yekuenzana kune zvimwe zvinodiwa, senge mabhiri ekurapa kana dzidzo, uchichengeta chikwereti chako chekutanga.

Nepo Chikwereti cheHome Equity chinopa mitengo yakaderera pane zvikwereti zvisina kuchengetedzwa, inochengetedzwa neimba yako, zvichireva kuti kupotsa kubhadhara kunogona kukanganisa kuvharwa. Kuti uderedze izvi, kwereta chete zvaunoda uye simbisa chikwereti chako-ku-muhoro (DTI) chinoramba chiri pasi pe43%. Shandisa online calculator kufungidzira kuenzana kwako uye enzanisa inopa mukweretesi kuti uwane akanakisa CES mazwi.

Muchidimbu, Yakavharwa-Kupera Kwechipiri Chikwereti chishandiso chinogoneka chekubatanidza chikwereti chekubatanidza zvikwereti uye mari yekuvandudza imba. Nekupinda mune equity financing, unogona kugadzirisa mari uye kuisa mari mune ramangwana reimba yako. Kunyangwe iwe ukasarudza yakazara doc kana imwe nzira yekunyora pasi, Yechipiri Mortgage inogona kufambisa nzira yekugadzikana kwemari kana ikasvikirwa nekufunga.