I-Home Equity Line of Credit Mhlawumbe Ukukhetha Okumangalisayo
05/12/2022
Iyini i-HELOC?
I-HELOC (I-Home Equity Line of Credit) ivumela ababoleki ukuthi baboleke imali elinganayo asebevele beyakhele ekhaya labo.
I-HELOC inezinhlobonhlobo zezicelo, ezihlanganisa izindleko zemiklamo yokulungisa izindlu nokulungiswa kwezindlu kanye nezinye izindleko ezinkulu.Nakuba kuvumela ukuboleka nokubuyiselwa okuguquguqukayo, kudinga futhi ukuthi ababoleki bahlale beqinile uma kuziwa ekuthatheni izimali nokubuyisela ababolekisi babo.
H isebenza kanjani i-HELOC?
Ngendlela yayo elula, i-HELOC isebenza kancane njengekhadi lesikweletu.Ababolekayo bangaboleka imali efinyelela kumkhawulo othile wesikweletu obekwe umbolekisi bese bebuyisela inani elibolekiwe nenzalo.Le nketho ivumela ukuguquguquka okukhulu - ababoleki bangakwazi ngisho nokuhoxisa futhi benze izinkokhelo nsuku zonke noma ngeviki uma kunesidingo.
I-HELOC ivamise ukuba lula ukufaneleka inqobo nje uma ababoleki benemali eningi ekhaya, kodwa ukuhlala ukhokha inzalo futhi ukhokhelwe uthishanhloko kubalulekile ukuze kuqinisekiswe ukuthi umboleki akakhokhi imali ebolekiwe futhi kamuva alahlekelwe yindlu yakhe.
Ababoleki bayisebenzisa kanjani imali ye-HELOC?
Uma Ababoleki begunyazwe i-HELOC, ababolekisi bangase babavumele ukuthi bakhiphe imali ngesikhathi esinqunyiwe esaziwa njengenkathi yokudonsa.
Uma isikhathi sokudonswa kwababoleki sesiphelile, umbolekisi angabavumela ukuthi bavuselele umugqa wesikweletu.Uma kungenjalo, ababoleki kungase kudingeke ukuthi bayikhokhe yonke imali esele ngesikhathi esisodwa noma esikhathini esithile, esibizwa ngokuthi isikhathi sokukhokha.
Ungayithola kanjani i-HELOC?
Uma ufaka isicelo se-HELOC, kulindeleke ukuthi ukhokhe amakhulukhulu amadola ngezimali zokuhlola, izimali zokufaka isicelo, izimali zokusesha isihloko, nokunye.Ngakho-ke, ababoleki kufanele baqinisekise ukuthi bathatha imali ebolekiwe enkulu ngokwanele ukuthi bazibuyisele bona lezi zindleko zangaphambili.
Nakuba kunqunywa kakhulu inani lemakethe lemizi yababoleki kanye nenani ababolekayo abalikweletayo emalini ebolekiwe.Ngenxa yokuthi ababoleki banenani elikhulu lokulingana ekhaya labo akusho ukuthi bazothola imali mboleko enkulu ngoba umkhawulo wesikweletu se-HELOC uncike ezicini ezimbalwa, okuhlanganisa isikweletu sababoleki kanye nezikweletu ezingakhokhiwe.
Uma ababoleki bedinga imali eningi kunaleyo enganikezwa i-HELOC, kungase kube nengqondo ukucabangela imali mboleko engasebenzisi ukulingana kwekhaya njengesibambiso.Kodwa, uma ababoleki bengenaso isiqiniseko sokuthi yimalini abazoyidinga, ukukhipha i-HELOC kuyindlela eguquguqukayo yokukhipha imali ngesikhathi esisodwa noma ngezikhathi ezithile.
Sekukonke, i-HELOC ingaba inketho enhle kakhulu kubaboleki ngesikhathi lapho amanani enzalo emikhiqizo eminingi ngokuvamile ekhuphuka.
Isitatimende: Lesi sihloko sihlelwe ngabakwa-AAA LENDINGS;ezinye zezithombe zithathwe ku-inthanethi, indawo yesayithi ayimelwe futhi ngeke iphinde iphrintwe ngaphandle kwemvume.Kukhona ubungozi emakethe futhi ukutshalwa kwezimali kufanele kuqaphe.Lesi sihloko asihlanganisi iseluleko somuntu siqu sokutshala izimali, futhi asicabangi izinjongo ezithile zokutshala izimali, isimo sezezimali noma izidingo zabasebenzisi ngabanye.Abasebenzisi kufanele bacabangele ukuthi noma imiphi imibono, imibono noma iziphetho eziqukethwe lapha zifanele isimo sabo esithile.Tshala imali ngokufanele ngokuzifaka engozini.
Isikhathi sokuthumela: May-12-2022