10/18/2023

Uma kuziwa ekuvuleni ukulingana okwakhelwe ekhaya lakho, i-Home Equity Line of Credit, noma i-HELOC, ingaba ithuluzi lezezimali elinamandla.Kulo mhlahlandlela obanzi, sizohlola ubunkimbinkimbi be-HELOC, sichaze injongo yayo, sichaze ukuthi isebenza kanjani, futhi siveze izinzuzo nokucatshangelwa kwabanikazi bezindlu abahlola le nketho yezezimali enemisebenzi eminingi.

Ukuchaza i-HELOC

I-Home Equity Line of Credit (HELOC) iwumugqa wesikweletu ojikelezayo ovumela abanikazi bezindlu ukuthi baboleke imali elinganayo emakhaya abo.Ngokungafani ne-mortgage evamile, i-HELOC inikeza isixazululo esivumelana nezimo zokuboleka lapho abanikazi bezindlu bengakwazi ukudonsa izimali njengoba kudingeka, kuze kufike emkhawulweni wesikweletu onqunywe kusengaphambili.

Isebenza kanjani i-HELOC

1. Ukuhlolwa Kokulingana:
   • Isinyathelo sokuqala: Ababolekisi bahlola ukulingana komnikazi wendlu ngokucabangela umehluko phakathi kwevelu yemakethe yekhaya yamanje kanye nebhalansi yemali yendlu esele.
2. Ukusungula Umkhawulo Wesikweletu:
   • Ukunqunywa Kwesikweletu: Ngokusekelwe emalini elinganiselwe ehloliwe, ababolekisi basungula umkhawulo wesikweletu, okubonisa inani eliphezulu lenani abanikazi bezindlu abangaliboleka.
3. Ukufinyelela Okuzungezayo Ezimalini:
   • Ukuvumelana nezimo: Abanikazi bezindlu bangafinyelela izimali njengoba kudingeka, ezifana nekhadi lesikweletu, ngaphakathi komkhawulo omisiwe wesikweletu phakathi nesikhathi sokudonsa.
4. Izikhathi Zokudonsa Nezokukhokha:
   • Isikhathi Sokudweba: Imvamisa iminyaka yokuqala eyi-5-10, lapho abanikazi bezindlu bengadonsa khona imali.
   • Isikhathi Sokukhokha: Silandela isikhathi sokudonsa, lapho abanikazi bezindlu bebuyisela khona inani elibolekiwe kanye nenzalo.

Izinzuzo ze-HELOC

1. Ukuvumelana nezimo ekusebenziseni:
   • Inzuzo: Abanikazi bezindlu bangasebenzisa izimali ze-HELOC ngezinjongo ezihlukahlukene, ezihlanganisa ukuthuthukiswa kwekhaya, izindleko zemfundo, noma ukuhlanganiswa kwezikweletu.
2. Izinkokhelo Zenzalo Kuphela:
   • Inzuzo: Phakathi nesikhathi sokudonsa, abanikazi bezindlu bangase babe nenketho yokukhokha inzalo kuphela, enikeza ukuguquguquka ekulawuleni ukuhamba kwemali kwanyanga zonke.
3. Izilinganiso Zenzalo Ezishintshayo:
   • Inzuzo: Ama-HELOC avame ukuza namazinga enzalo ahlukahlukene, avumela abanikazi bezindlu ukuthi bazuze kusukela ekuncipheni kwenani lenzalo okungenzeka libe khona.

Ukucatshangelwa Kwabanikazi Bezindlu

1. Izilinganiso Zenzalo Ezishintshayo:
   • Ukucatshangelwa: Nakuba izilinganiso eziguquguqukayo zinikeza ukuguquguquka, futhi zibeka engcupheni yokukhula ngokuhamba kwesikhathi, okunomthelela ezinkokhelweni zanyanga zonke.
2. Isiyalo sezezimali:
   • Ukucatshangelwa: Abanikazi bezindlu kufanele basebenzise isiyalo ngokwezimali ukuze bagweme ukwandisa ngokweqile futhi baqinisekise ukuthi bangakwazi ukuhlangabezana nezibopho zokukhokha.
3. Ukushintshashintsha Kwevelu Yasekhaya:
   • Ukucatshangelwa: Izinguquko emakethe yezindlu zingathinta amanani ezindlu, zithonye inani lemali etholakalayo yokuboleka.

Ukuzulazula kunqubo ye-ELOC

1. Ukubonisana Kokuhlolwa Kokulingana:
   • Isinyathelo sokuqala: Abanikazi bezindlu kufanele baxhumane nababolekisi ukuze bahlole ukulingana kwabo futhi banqume ukufaneleka kwe-HELOC.
2. Ukuqhathanisa Okunikezwayo:
   • Isiqondiso: Kuyatuseka ukuqhathanisa okunikezwayo kwe-HELOC okuvela kubabolekisi abahlukahlukene, kucatshangelwa izici ezifana nezilinganiso zenzalo, izinkokhelo, nemibandela yokukhokha.
3. Ukuqonda Imigomo:
   • Isiqondiso: Abanikazi bezindlu kufanele baqonde kahle imigomo ye-HELOC, okuhlanganisa izikhathi zokudonsa nenkokhelo, amanani enzalo, nezinkokhelo ezingase zibe khona.

Isiphetho: Ukusebenzisa i-HELOC Ekuthuthukisweni Kwezezimali

I-Home Equity Line of Credit (HELOC) iyithuluzi lezezimali elisebenza ngezindlela eziningi elinika abanikazi bezindlu amandla okusebenzisa ukulingana emakhaya abo ukuze bahlangabezane nezidingo ezihlukahlukene zezezimali.Ngokuqonda indlela i-HELOC esebenza ngayo, izinzuzo zayo, nokucabangela izici ezibalulekile, abanikazi bezindlu bangenza izinqumo ezinolwazi ukuze bathuthukise ukuguquguquka kwezimali kwabo futhi bafinyelele imigomo yabo.Njenganoma yimuphi umkhiqizo wezezimali, ukucatshangelwa ngokucophelela, ucwaningo olunzulu, nokuqondisa kochwepheshe kudlala indima ebalulekile ekwandiseni izinzuzo ze-HELOC kuyilapho kulawula izingozi ezingaba khona.Kungakhathaliseki ukuthi ubheke ukulungisa ikhaya lakho, ukuxhasa ngemali, noma ukuhlanganisa isikweletu, i-HELOC ingaba insiza ebalulekile endleleni yakho eya ekuthuthukisweni kwezezimali.

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.