11/15/2023

Emkhakheni wezindlu ezibolekwayo kanye nokuxhaswa ngezimali kwekhaya, ukuqonda umehluko phakathi kwe-cash-out refinance kanye ne-home equity loan kubalulekile kubanikazi bezindlu abafuna ukusebenzisa ukulingana ezindlini zabo.Lo mhlahlandlela obanzi uhlinzeka ngemininingwane ezicini, izinzuzo, nokucatshangelwa kwazo zombili izinketho, unikeza abanikazi bezindlu amandla okwenza izinqumo zezezimali ezinolwazi.

I-Cash-Out Refinance: Ukungena Emalini Yasekhaya Nge-Mortgage Entsha

Incazelo kanye Nokusebenza

I-cash-out refinance ihilela ukushintsha imali oyibolekile ekhona ufake entsha ephakeme kunebhalansi esele yamanje.Umehluko phakathi kwe-mortgage entsha naleyo ekhona ikhokhelwa umninikhaya ngokheshi.Le nketho ivumela abanikazi bezindlu ukuthi bafinyelele ingxenye yokulingana kwezindlu zabo ngenkathi bekhokhela kabusha i-mortgage yabo.

Izici Eziyinhloko

1. Inani Lemali Ebolekiwe: I-mortgage entsha ingaba phezulu kunalena ekhona, inikeze abanikazi bezindlu isamba semali.
2. Izinga Lenzalo: Izinga lenzalo yemali ebolekiwe entsha lingase lihluke kusilinganiso sangempela, okungenzeka sithinte zonke izindleko zemboleko.
3. Inkokhelo: Inani lemali ephumayo liyakhokhwa phakathi nesikhathi semali ebolekiwe entsha, kunezinketho zesilinganiso esingaguquki noma esilungisekayo ezitholakalayo.
4. Umthelela Wentela: Inzalo ekhokhwa engxenyeni yokukhipha imali yemali mboleko ingase idonswe intela, kuye ngokusetshenziswa kwezimali.

Imali Ebolekiwe Yokulingana Kwasekhaya: I-Mortgage Yesibili Yokuxhasa Ngezimali Okuhlosiwe

Incazelo kanye Nokusebenza

Imali mboleko ye-home equity, eyaziwa nangokuthi i-mortgage yesibili, ihlanganisa ukuboleka inani elinqunyiwe ngokumelene ne-equity ekhaya lakho.Ngokungafani ne-cash-out refinance, ayithathi indawo ye-mortgage ekhona kodwa ikhona njengemali mboleko ehlukile enemigomo nezinkokhelo zayo.

Izici Eziyinhloko

1. Inani Lemali Ebolekiwe Egxilile: Izimalimboleko zezindlu zinikeza isamba semali ngaphambili, nenani lemalimboleko elinqunyiwe elinqunywe ekuqaleni.
2. Isilinganiso Senzalo: Ngokuvamile, imali ebolekiwe yezindlu ezibolekisayo zinezilinganiso zenzalo ezigxilile, ezinikeza ukuzinza ezinkokhelweni zanyanga zonke.
3. Inkokhelo: Inani elibolekiwe libuyiselwa esikhathini esimisiwe, futhi izinkokhelo zanyanga zonke zihlala zingashintshi phakathi nesikhathi semalimboleko.
4. Imithelela Yentela: Ngokufanayo ne-cash-out refinance, inzalo yemali mboleko ye-home equity ingase idonswe intela, kuncike ezimweni ezithile.

Ukuqhathanisa Izinketho Ezimbili: Ukucatshangelwa Kwabanikazi Bezindlu

Izilinganiso Zenzalo Nezindleko

• I-Cash-Out Refinance: Ingase ifike nezinga lenzalo elisha, okungenzeka libe phansi, kodwa izindleko zokuvala zingase zisebenze.
• Imalimboleko Yekhaya: Imvamisa inenani lenzalo eliphezulu kunemali ekhishwa ngokheshi, kodwa izindleko zokuvala zingase zibe phansi.

Inani Lemalimboleko kanye Nesikhathi

• I-Cash-Out Refinance: Ivumela abanikazi bezindlu ukuthi baphinde baxhase ngemali enkulu ngenani elingaba namandla elinwetshiwe.
• Imali Ebolekiwe Yokulingana Ekhaya: Ihlinzeka ngesamba semali enesikhathi esinqunyiwe, ngokuvamile esifushane kunesikhathi sesikweletu.

Ukuvumelana nezimo nokusetshenziswa

• I-Cash-Out Refinance: Inikeza ukuguquguquka ekusebenziseni izimali ngezinjongo ezihlukahlukene, ezihlanganisa ukuthuthukiswa kwekhaya, ukuhlanganiswa kwezikweletu, noma izindleko ezinkulu.
• Imalimboleko Yekhaya: Ifanele izindleko eziqondile, ezihleliwe ngenxa yesamba sesamba esimisiwe.

Ubungozi Nokucatshangelwa

• I-Cash-Out Refinance: Yenyusa isikweletu sendlu yonke futhi ingase ithwale ingozi yezindleko zenzalo ephakeme phakathi nokuphila kwemali mboleko.
• Isikweletu Sokulingana Kwekhaya: Sethula i-mortgage yesibili kodwa ayithinti imigomo ye-mortgage yokuqala.

Ukwenza Izinqumo Ezinolwazi: Izinto Okufanele Zicatshangwe

1. Imigomo Yezezimali Nezidingo

Linganisa izinjongo zakho zezezimali kanye nezidingo ezithile eziqhuba isifiso sakho sokuthola ukulingana kwekhaya.Kungakhathaliseki ukuthi ukuxhasa iphrojekthi enkulu, ukuhlanganisa isikweletu, noma ukukhokhela izindleko ezinkulu, qondanisa ukukhetha kwakho nezinjongo zakho zezezimali.

2. I-Outlook Yezinga Lenzalo

Cabangela isimo sesilinganiso senzalo esikhona kanye nokuqagela kwamanani esikhathi esizayo.I-cash-out refinance ingase ivune endaweni enenzalo ephansi, kuyilapho imali mboleko yezindlu enenani elimisiwe inikeza ukuzinza.

3. Izindleko Eziphelele Nezimali Ezikhokhwayo

Ingqikithi yenani lezindleko ezihlotshaniswa nenketho ngayinye, okuhlanganisa izindleko zokuvala, izinkokhelo, nezindleko zenzalo ezingaba khona phakathi nokuphila kwemali mboleko.Ukuqonda wonke umthelela wezezimali kubalulekile ekwenzeni izinqumo unolwazi.

4. Ukucatshangelwa kwe-Home Equity

Hlola ukulingana kwamanje nalokho okungaba khona esikhathini esizayo ekhaya lakho.Ukuqonda inani lekhaya lakho kanye nesimo sokulingana kusiza ukunquma ukuba nokwenzeka nezinzuzo ezingaba khona zenketho ngayinye.

Isiphetho

Esinqumweni esiphakathi kwe-cash-out refinance kanye nemalimboleko yezindlu, abanikazi bezindlu kufanele bahlole ngokucophelela izinzuzo, ububi, kanye nezimo zabo zezezimali ezithile.Zombili izinketho zinikeza izinzuzo eziyingqayizivele, futhi ukukhetha okuphelele kuncike ezinhlosweni zomuntu ngamunye, izintandokazi, kanye necebo lezezimali jikelele.Ngokuhlola izici, ukucatshangelwa, kanye nemiphumela engaba khona yenketho ngayinye, abanikazi bezindlu bangazulazula enqubweni yokuthatha izinqumo ngokuzethemba, baqinisekise ukuthi indlela yabo yokuxhasa ngezimali abayikhethile ihambisana kalula nezinjongo zabo zezezimali.

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.