11/15/2023

Isingeniso se-HELOC

HELOC, eyaziwa nangokuthi i-Home Equity Line of Credit, iwuhlobo lwemali mboleko evumela abanikazi bezindlu ukuthi baboleke imali ngokulingana nabakuqongelele endaweni yabo.Iwumugqa wesikweletu ojikelezayo, okusho ukuthi usebenza ngendlela efanayo nekhadi lesikweletu: ababolekayo banikezwa umkhawulo omkhulu abangadonsa kuwo, futhi bangakwazi ukukhipha imali njengoba kudingeka kuze kube yilapho kufinyelelwa umkhawulo.

Izici ezibalulekile aHELOCzihlanganisa:

1. Imalimboleko evikelekile:
   I-HELOC (I-Home Equity Line of Credit) ivikelwe yindlu yomboleki, okuyenza ibe imali mboleko evikelekile.Uma umboleki ehluleka ukukhokhela i-HELOC, umbolekisi angase alidle ikhaya ukuze abuyisele utshalomali lwakhe.
2. Isidingo Sokulingana:
   Ukuze ufaneleke ukuthola i-HELOC (I-Home Equity Line of Credit), abanikazi bezindlu ngokuvamile badinga ukuba nenani elithile lokulingana ekhaya labo.I-Equity umehluko phakathi kwenani elifanele ikhaya lakho kanye nebhalansi esele yazo zonke izikweletu zesakhiwo, njengemali ebolekiwe noma ezinye izikweletu.
3. Isakhiwo Somugqa Wesikweletu:
   Ama-HELOC ngokuvamile anesikhathi sokudonsa, ngokuvamile iminyaka engu-5-10, lapho umboleki angakwazi khona ukuthola izimali.Ngemva kwesikhathi sokudonsa, amanye ama-HELOC angase avumele ukuvuselelwa, noma angene esikhathini sokukhokha lapho kungekho ukuboleka okusha okuvunyelwe, futhi ibhalansi ekhona kufanele ibuyiselwe esikhathini esimisiwe.

Ukuguquguquka kwe-HELOC

Enye yezinzuzo ezibaluleke kakhulu ze-aHELOC(I-Home Equity Line of Credit) ukuguquguquka kwayo.Abanikazi bezindlu bangasebenzisa izimali ezitholakalayo ngezinjongo ezihlukahlukene, ezihlanganisa ukuthuthukiswa kwekhaya, ukuhlanganiswa kwezikweletu, noma ukukhokhela izindleko eziphuthumayo.Ngokungafani nezinye izinhlobo zokuboleka, lapho injongo yemalimboleko ingase ibe nomkhawulo, i-HELOC ikunikeza inkululeko yokusebenzisa imali lapho idingeka khona kakhulu.

Ukuqonda Izindleko: Ayikho Imali Yomboleki

Inkokhelo yombolekisi esimweni semali mboleko ihlanganisa izindleko ezihlukahlukene isikhungo esibolekisayo esingase sizifune kumaboleki ukuze kucutshungulwe futhi kuxhaswe imali mboleko yendlu.Njenge:

1. Inkokhelo Yokusuka: Lena enye yezimali eziyinhloko zomboleki futhi ikhokhiswa umbolekisi ngokudala imali mboleko.Ivamise ukumboza izindleko zokucubungula isicelo semalimboleko, ukubhala ngaphansi, kanye nokuqalisa i-mortgage.
2. Imali Yesicelo: Imali ekhokhiswayo ukumboza izindleko zenqubo yesicelo sokuqala, okuhlanganisa nokuhlolwa kwezikweletu kanye nezindleko zokuphatha.
3. Imali Yokubhala Ngaphansi: Imali yokubhala ngaphansi inxephezela umebolekisi ngenqubo yokuhlola nokuqinisekisa isicelo semalimboleko kanye nolwazi lwezezimali lomboleki kanye nomlando wesikweletu.

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Ngenhlanhla, uNdunankulu wethuHELOC(Izinketho ze-Home Equity Line of Credit) ziza nesici esikhangayo sokungakhokhisi umbolekisi.Lokhu kusho ukuthi umboleki akakhokhiswa izimali ezengeziwe ngumbolekisi ukuze amise umugqa wesikweletu, okwenzaInani eliphakeme kakhulu lama-HELOCithuluzi lezezimali elikhanga nakakhulu kulabo abafuna ukunciphisa izindleko zabo zokuboleka.

Inzuzo Yemali Ephansi Yonyaka

Inkokhelo Yonyaka, yimali ekhokhiswa umbolekisi njalo ngonyaka ngesikhathi sokubolekwa imali noma isikhathi esimisiwe esichazwe emigomeni yemalimboleko.Le nkokhelo ingeyokuba lula kokufinyelela lo mugqa wesikweletu futhi ngokuvamile ikhokhiswa unyaka ngamunye ngosuku lokugubha usuku lokuvulwa kwe-akhawunti.Enye inzuzo yezezimali ebalulekile yokukhetha i-HELOC (Umugqa Wokulingana Kwekhaya Wesikweletu) amandla emali ephansi yonyaka.EyethuInani eliphakeme kakhulu lama-HELOCkhokhisa imali yonyaka engu-$75, efana nekhadi lesikweletu.Nokho, lezi zimali ngokuvamile ziphansi kakhulu kunalezo ezihlotshaniswa nezinye izinhlobo zemali mboleko, okwenza i-HELOC ibe inketho engabizi kakhulu yokuhlela izimali zesikhathi eside.Kubalulekile ukuthi ababoleki bathole umkhiqizo we-HELOC onikeza imali ephansi kakhulu yonyaka ukuze bandise ukonga kwabo.

Isiphetho: Indlela Ehlakaniphile Yokuguquguquka Kwezezimali

Sengiphetha, I-Home Equity Line of Credit ingasebenza njengethuluzi elihle kakhulu lezezimali kubanikazi bezindlu abafisa ukungena ekulingeni kwezindlu zabo.Ngokungase kube khona imali yomboleki kanye nemali ephansi yonyaka, aInani eliphakeme kakhulu lama-HELOCinikeza izinga lokuguquguquka kanye nokusebenza kahle kwezindleko okunzima ukukuhlula nezinye izinketho zokuboleka.Njenganoma yimuphi umkhiqizo wezezimali, kubalulekile ukwenza ucwaningo olunzulu futhi ucabangele zonke izinketho ezitholakalayo ngaphambi kokuzibophezela kuNdunankulu we-HELOC ukuze uqinisekise ukuthi ihambisana nezinjongo zakho zezezimali.

Mayelana ne-AAA Lendings

Isungulwe ngo-2007, i-AAA Lendings isiphenduke umbolekisi ohamba phambili oneminyaka engaphezu kwe-15 yokusebenza kahle.Isisekelo sethu sinikeza isevisi engenakuqhathaniswa nokwethembeka, okuqinisekisa ukwaneliseka okukhulu kwamaklayenti ethu.

Isebenza ngokukhethekile ebangeni elibanzi lemikhiqizo ye-Non-QM—kuhlanganiseAyikho Idokhumenti Ayikho Ikhredithi, I-P&L Ezilungiselele ngokwakho, WVOE, I-DSCR, Izitatimende Zebhange, Jumbo, HELOC, Vala Ukuphela Kwesibiliizinhlelo—sihola emakethe yemalimboleko ye-'Non-QM'.Siyabuqonda ubunzima bokuthola imali ebolekiwe futhi sine-'Loan Arsenal' ehlukahlukene ukuze sihlangabezane nalezi zinselele.Ukungena kwethu ngaphambi kwesikhathi emakethe ye-Non-QM kusinikeze ubuchwepheshe obuyingqayizivele.Imizamo yethu yokuphayona isho ukuthi siyaziqonda izidingo zakho ezihlukene zezezimali.Nge-AAA Lendings, ukufinyelela imigomo yakho yezezimali kulula futhi kufinyeleleka kakhudlwana.

Sisize imindeni ecishe ibe ngu-50,000 ekufezeni amaphupho ayo ezezimali, ngemali ebolekiwe idlule amabhiliyoni angama-20.Ukuba khona kwethu okubalulekile ezindaweni ezibalulekile njenge-AZ, CA, DC, FL, NV, kanye ne-TX kusivumela ukuthi sinikeze abantu abaningi.

Ngama-ejenti azinikele angaphezu kwe-100 kanye namaqembu abhala phansi kanye nokuhlaziya angaphakathi, siqinisekisa inqubo yemalimboleko elula nengenaso ingcindezi.

Ividiyo:I-HELOC: Inketho Ekahle Yokubuyisela Izimali Zabanikazi Bezindlu

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.