Kuvhura Equity Yepamba neYakavharwa-Kupera Kwechipiri Chikwereti

Kuva muridzi wemba kunopa zvinopfuura nzvimbo yekugara - imari yehupfumi inogona kuvhura mikana kuburikidza neiyo equity mari. Chishandiso chimwe chine simba chekupinda muhupfumi uhu ndeye Yakavharwa-Kuperachikwereti chechipiri(CES), inowanzonzi Imba Equity Chikwereti kana Chechipiri Mortgage. Rudzi urwu rwechikwereti runobvumira varidzi vedzimba kukwereta mari inopesana nemutengo weimba yavo, ichipa kuchinjika kune zvinangwa zvakaita semari yekuvandudza imba kana kubatanidza chikwereti. Muchikamu chino, tichaongorora kuti CES inoshanda sei uye nei iri sarudzo yepamusoro kune vakawanda.

Yakavharwa-Kupera Kwechipiri Chikwereti chikwereti chakamisikidzwa chinopa mari kumberi, kudzoserwa pamusoro penguva yakatarwa, kazhinji makore mashanu kusvika makumi matatu. Kusiyana nemutsetse unotenderera wechikwereti, CES haibvumidze imwe kukwereta kana chikwereti chapihwa mari, zvichiita kuti ive yakakodzera kune imwe chete mari. Semuenzaniso, kana uri kuronga kicheni hombe remode, mari yekuvandudza imba kuburikidza neCES inogona kubhadhara mari pasina kukanganisa yako.Primarymortgage. Saizvozvo, chikwereti chekubatanidza chikwereti uchishandisa CES chinogona kusanganisa mabhero emakadhi echikwereti ane mhindu yakawanda kuita mubhadharo mumwe, wakaderera, uchichengetedza zviuru nekufamba kwenguva.

Kuti vakwanise kuwana Chikwereti cheHome Equity, vanokweretesa vanowanzoda kuzere nedoc verification, kusanganisira zvinyorwa zvemari, mitero yemitero, uye chikwereti chekwereti chinowanzopfuura 620. Zvisinei, dzimwe nzira dzechiremba dziri kubuda, dzichibvumira vanokwereta vanozvishandira kana avo vane mari isiri yemazuva ose kuti vakwanise kuwana zvinyorwa zvebhangi kana humwe uchapupu. Uku kuchinjika kunoita kuti mari yekuenzanisa iwanikwe kune huwandu hwakawanda hwevaridzi vedzimba. Vanokweretesa vanoongororawo chiyero cheimba yako yechikwereti-ku-value (LTV), kazhinji ichiisa kukwereta pa80-90% yehuwandu huripo.

Imwe yakasarudzika mhando yeCES ndiyo yakamira-yega CES, inoshanda yakazvimiririra kubva kune yako yekutanga mortgage. Kusiyana nechikwereti chepiggyback - chinowanzo shandiswa kudzivirira yakavanzika mortgage inishuwarenzi (PMI) nekutsemura mari pakutenga - inomira yega CES inotorwa gare gare, ichipa mari kune chaiyo zvinodiwa. Semuyenzaniso, muridzi wemba anogona kushandisa Second Mortgage kutsigira mwana koreji tuition, kukwirisa equity pasina kudzorera mari yavo yakaderera yechikwereti chepuraimari.

Mabhenefiti eClosed-End Second Loan akajeka: muripo unofungidzira, mitengo yemakwikwi ichienzaniswa nemakadhi echikwereti, uye kugona kuisa mari mumba mako kana ramangwana remari. Nekudaro, kukwereta kumba kwako kune njodzi, sezvo kusabhadhara kunogona kukonzera kuvharirwa. Usati wanyorera, verengera kuenzana kwako nekubvisa mari yako yembavha kubva pamutengo wazvino wemba yako uye ona kuti chikwereti chinoenderana nebhajeti yako.

Muchidimbu, CES inopa nzira yakarongeka yekuwana mari yakaenzana yekubhadhara mari yekuvandudza imba, kubatanidza chikwereti, kana zvimwe zvinangwa. Kunyangwe iwe ukasarudza yakazara doc kana imwe nzira yekunyora pasi, iyi Yechipiri Mortgage inogona kushandura mutambo kana ikashandiswa nehungwaru. Gara uchienzanisa vanokweretesa kuchengetedza iwo akanakisa mazwi uye chengetedza kukosha kwemba yako.