I-Closed-End vs. I-Piggyback Loans: Ukukhetha Inketho Elungile

Uma kukhulunywa ngezimali zokulingana, abanikazi bezindlu banezinketho eziningi zokufinyelela inani lekhaya labo, nge-Closed-End.isikweletu sesibili(CES) kanye nemalimboleko ye-piggyback evelele. Zombili ziwela ngaphansi kwesambulela se-Second Mortgage, kodwa zisebenzisa izinhloso ezihlukile. I-CES ezimele yodwa ilungele izindleko zesikhathi esisodwa ezifana nokuxhaswa ngezimali kokuthuthukiswa kwekhaya noma imalimboleko yokuqinisa izikweletu, kuyilapho imali mboleko ye-piggyback ivame ukusetshenziswa ekuthengeni ukugwema izindleko ezengeziwe. Lesi sihloko sihlukanisa umehluko wabo ukuze sikusize ukhethe Imalimboleko Yekhaya Efanele yezinhloso zakho.

I-CES ezimele yodwa iyiMboleko Yesibili Evaliwe ehlinzeka ngesamba sesamba esingaguquki, esikhokhwa ngesikhathi esimisiwe ngezinga lenzalo elizinzile. Ilungele abanikazi bezindlu abanokulingana okukhona abadinga izimali ngaphandle kokukhokha kabusha i-mortgage yabo yokuqala. Isibonelo, i-CES ingaxhasa ngezimali ukushintshwa kophahla luka-$30,000, inikeze izinkokhelo ezingabikezelwa zokuxhasa ngezimali zokuthuthukisa ikhaya. Futhi kuyimalimboleko enamandla yokuqinisa isikweletu, ekuvumela ukuthi uhlanganise izikweletu ezinenani eliphezulu ube I-Mortgage Yesibili Yendawo eyodwa enamazinga avame ukuba ngaphansi kuka-10%. Ababolekisi ngokuvamile bayakudingaUDokotela Ogcweleukuqinisekiswa—izimbuyiselo zentela, ubufakazi bemali engenayo, kanye nesikolo sokuthenga esingaphezu kuka-620—kodwa ezinye izinketho zedokhumenti njengezitatimende zasebhange ziyatholakala kwabahola imali engajwayelekile.

Ngokuphambene, imali mboleko ye-piggyback iyi-Second Mortgage ethathwa kanyekanye ne-mortgage yakho eyinhloko, evame ukuhlelwa njengesivumelwano sika-80-10-10 (imali ebolekiwe engu-80% yokuqala, i-10% ye-piggyback, inkokhelo ephansi engu-10%. Indima yayo eyinhloko ukuqeda umshwalense wezindlu zangasese (PMI) lapho inkokhelo yakho ephansi ingaphansi kwama-20%. Ngokungafani ne-CES ezimele yodwa, i-piggyback ayiklanyelwe ukuxhaswa ngezimali kokulingana kwangemva kokuthenga kodwa ukuze kube lula izindleko zokuthenga. Isibonelo, ekhaya lika-$400,000, imalimboleko engu-$40,000 ye-piggyback ihlanganisa ingxenye yenkokhelo ephansi, ikulondolozele izimali ze-PMI.

Ukukhetha phakathi kwe-CES emele yodwa kanye ne-piggyback kuncike esikhathini nenjongo. Uma uthenga ikhaya futhi unemali encane, i-piggyback ingenza ubunikazi bufinyeleleke. Uma usuvele ungumnikazi wendlu yakho futhi ufuna Imalimboleko Yokulingana Kwekhaya yokuqinisa isikweletu noma ukulungisa kabusha, i-CES ilingana kangcono. I-CES ezimele yodwa igcina imigomo yakho yokuqala yemali mboleko, ikunikeza ukuguquguquka kwedokhumenti egcwele noma enye idokhumenti ebolekayo. Kodwa-ke, imali mboleko ye-piggyback ingase ithwale amanani aphezulu, njengoba iyingozi kubabolekisi.

Zombili izinketho zisebenzisa ikhaya lakho njengesibambiso, ngakho-ke ubungozi obuzenzakalelayo bubeka ukuvalwa. Ukuze unqume, hlola ukulingana kwakho—susa ibhalansi yakho yemali ebolekiwe enanini lendlu yakho—futhi uqinisekise ukuthi isilinganiso sakho se-DTI sisekela izinkokhelo ezengeziwe. Qhathanisa ababolekisi ukuze uthole i-CES yokuncintisana noma imigomo ye-piggyback, futhi ucabangele ukubonisana nomeluleki wezezimali.

Ekugcineni, i-Closed-End Second Loan iyakhanya ekuthuthukisweni kwezimali kwekhaya kanye nemalimboleko yokuqinisa izikweletu, kuyilapho i-piggyback loans ihambisana nezimo zokuthenga. Ngokuqonda lezi zinhlobo ze-Second Mortgage, ungasebenzisa imali yokulingana ukuze uhlangabezane nezidingo zakho ngempumelelo.