12/05/2023

Isingeniso

I-Home Equity Line of Credit (HELOC)isiphenduke inketho ethandwayo yokuxhasa abanikazi bezindlu abafuna ukungena ekulinganeni kwezindlu zabo.Nakuba inikeza ukuguquguquka nezinga lenzalo ephansi, abantu abaningi basenemibuzo mayelana nezici zayo, ikakhulukazi isigatshana somthetho sokungakhokhelwa kanye nezindleko zokuvala eziphansi.Kulesi sihloko, sizokunikeza izimpendulo ezinemininingwane emibuzweni yakho evame ukubuzwa mayelana ne-HELOC futhi sikusize wenze isinqumo unolwazi.

Iyini i-HELOC?

Ngaphambi kokungena ku-nitty-gritty yeHELOC, ake siqale sichaze ukuthi kuyini.I-Home Equity Line of Credit wuhlobo lwekhredithi ejikelezayo evumela abanikazi bezindlu ukuthi baboleke ngokuqhathanisa nenani elitholakalayo ekhaya labo.Inani elifakiwe ngokuvamile lisekelwe ephesentini yenani elilinganisiwe lesakhiwo kukhishwe ibhalansi yemali yendlu esele.

Isebenza Kanjani I-HELOC?
Manje njengoba uyazi ukuthi yini aHELOCukuthi, nansi indlela esebenza ngayo:

Inqubo Yokufaka Isicelo:Inqubo yokufaka isicelo aHELOCifana ne-mortgage yendabuko.Uzodinga ukuhlinzeka ngamadokhumenti ezezimali, njengama-pay stubs, izimbuyiselo zentela, nezitatimende zasebhange, ukuze ufakazele umholo wakho nokufanelekela isikweletu.
Ukugunyazwa: Ngemva kokuhambisa isicelo sakho, umbolekisi uzosibuyekeza futhi anqume ukuthi uyasigunyaza yini.Uma kugunyazwe, uzothola isikhathi sokutomula ongaboleka ngaso imali.
Isikhathi Sokudweba:Ngesikhathi sokutomula, ungakwazi ukuboleka kuze kufike kumkhawulo wakho wesikweletu noma nini lapho udinga khona.Umboleki wenza izinkokhelo zenyanga zenzalo kuphela ngalesi sigaba.
Isigaba sokukhokha:Lapho isikhathi sokudonsa sesiphelile, isigaba sokubuyisela siyaqala.Kuleli qophelo, kufanele uqale ukubuyisela uthishanhloko kanye nenzalo.

Izici ezibalulekile ze-HELOC:

Kulesi sigaba, ungase uzibuze ukuthi kungani aHELOCkufanelekile ukucatshangelwa.Ake sihlukanise izici zayo ezibalulekile:

Isici Esibalulekile #1:Isilinganiso Esishintshayo: I-HELOC ngokuvamile iza nezinga lenzalo elilungisekayo, okusho ukuthi izinkokhelo zakho zanyanga zonke zingashintsha ngokuhamba kwesikhathi.Nakuba lokhu kungase kuphumele ezinkokhelweni eziphakeme zanyanga zonke, kuphinde kunikeze ukuguquguquka njengoba ungakwazi ukukhipha inzalo yakho ezintela zakho.

Isici Esibalulekile #2:Asikho Isijeziso Sokukhokha Ngaphambili: Esinye sezici ezikhanga kakhulu ze-HELOC ukuthi ayizi nenhlawulo ekhokhelwa kusengaphambili.Lokhu kusho ukuthi ungakwazi ukukhokha imali ebolekiwe ngokushesha ngaphandle kokukhathazeka ngemali eyengeziwe noma izinhlawulo.

Isici Esibalulekile #3:Izindleko Zokuvalwa Eziphansi: Uma kuqhathaniswa nezinye izinhlobo zezikweletu, ama-HELOC avame ukuba nezindleko zokuvala eziphansi.Lokhu kungakongela izinkulungwane zamadola ezindlekweni zangaphambili futhi kukusize ulondoloze imali yakho egciniwe.

Imibuzo Evame Ukubuzwa Mayelana ne-HELOC

Ngezisekelo ezimboziwe, manje sekuyisikhathi sokuphendula imibuzo evamile mayelana nama-HELOC:

Umbuzo #1: Ingakanani Imali Engingayiboleka?
Impendulo: Inani eliphezulu ongaliboleka lincike kumaphuzu akho esikweletu, imali engenayo, kanye nenani lamanje lekhaya lakho.Ngokuvamile, ababolekisi banikela ngokufika ku-90% yenani lendlu yakho ngaphansi kwanoma yimaphi amabhalansi emali yezindlu ezikhona.

Umbuzo #2: Kufanele Ngikhokhe Isikhathi Esingakanani Sokubuyisela Imali Ebolekiwe?
Impendulo: Isikhathi sokukhokha se-HELOC sisukela eminyakeni emihlanu kuya kweyishumi.Ngalesi sikhathi, uzokwenza izinkokhelo zanyanga zonke ezingashintshi ezihlanganisa kokubili inzalo nomgomo.

Umbuzo #3: Ingabe Izinga Lenzalo Yami Lizoshintsha?
Impendulo: Yebo, izinga lakho lenzalo lingashintsha ngokuhamba kwesikhathi ngenxa yezinguquko zemakethe noma ukushintsha kwezimo zomnotho.Ukuze unciphise lobu bungozi, thenga uthole idili le-HELOC elingcono kakhulu kubabolekisi abaningi ukuze uthole elinenani elizinzile.

Ngingakwazi Ukuphuma Ku-HELOC Kusenesikhathi Ngaphandle Kokushaywa Ngezinhlawulo Zokukhokha Ngaphambili?
Yebo, ungakwazi ukukhokha i-HELOC yakho kusenesikhathi ngaphandle kokufaka izinkokhelo ezengeziwe noma izinhlawulo.Eqinisweni, ungenza izinkokhelo ezengeziwe kubhalansi yakho noma nini lapho uthanda.Qaphela ukuthi isibopho sakho sokukhokha nyanga zonke sihlala sinjalo kuso sonke isikhathi sokudonsa;ngakho-ke, noma yiziphi izinkokhelo ezisheshisiwe ngeke zithinte izinkokhelo zakho zanyanga zonke ngaphandle kwalapho ukhetha okuhlukile.

Ingabe Ukuba Ne-HELOC Kunomthelela Ekhonweni Lami Lokuthola Ezinye Izinhlobo Zesikweletu?
Ukuba ne-HELOC akufanele kuphazamise ikhono lakho lokuthola ezinye izinhlobo zekhredithi.Njengoba lisebenzisa ikhaya lakho njengesibambiso esikhundleni sokudonsa ukulingana ngokushesha, ukuba nemigqa emibili ehlukene yekhredithi akulimazi isilinganiso sakho sokusebenzisa isikweletu noma kwehlise imikhawulo etholakalayo yakho yekhredithi.Kunjalo, hlala uhlola izikhungo ngazinye ngezinqubomgomo zazo zokuboleka ngokubambisana ngaphambi kokufaka isicelo.

Yiziphi Ezinye Izingozi Ezingenzeka Ezihlotshaniswa Nokusebenzisa i-HELOC?
Njenganoma yiluphi olunye uhlobo lwekhredithi, kunezingozi ezihilelekile ekuthatheni i-HELOC.Qiniseka ukuthi uyakuqonda lokhu ngaphambi kokuzibophezela:
Ingozi #1: Ukwehluleka Ukukhokha Isikweletu: Uma wehluleka ukukhokha ngesikhathi, umbolekisi angase alidle ikhaya lakho.Lokhu kuzosula noma iyiphi ibhalansi esele futhi kuphumele ekulahlekeni okukhulu kwezinsiza ezitshaliwe kuze kube manje.Ngakho-ke, hlala ubeke phambili izinkokhelo ezifika ngesikhathi ngaphezu kokunye
Ingozi #2: Ukushintshashintsha Kwezimakethe: Njengoba kushiwo ngaphambili, ukukhuphuka kwamanani emakethe kuvumela ababoleki ukuthi bakhuphule umugqa wabo wezikweletu lapho bevuselelwa noma bexhaswa kabusha - kodwa kwenzekani uma amanani ezindlu ehla esikhundleni?Ungase uzithole ukweleta ngaphezu kwevelu yemakethe yekhaya lakho, okuholela ekucindezelekeni ngokwezimali.Ngaso sonke isikhathi buyekeza ubungozi obungaba khona ngaphambi kokuzibophezela kunoma yini yesikhathi eside.

Ukuvala Imicabango

Ngenkathi aHELOCinikeza izinzuzo eziningi, kubalulekile ukuqhubeka ucabangisise futhi ucabangele isimo sakho sezezimali ngokucophelela ngaphambi kokusayina noma yiziphi izivumelwano.Qinisekisa ukuthi ubuza imibuzo, uqhathanise izinketho zokuboleka, futhi ukhethe ngobuhlakani ngokuya ngezimo ZAKHO ezihlukile.Khumbula, uma imibhalo esayiniwe neyaqalwa isiqediwe, ungangabazi ukufuna isiqondiso uma kuphakama ubunzima endleleni eya phambili - ngoba ekugcineni, inhlalakahle yakho yezezimali iyona ebaluleke kakhulu!

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 – Ukuvula Izinzuzo Zezindleko Zokuvala Eziphansi & Asikho Isijeziso Esikhokhelwe Ngaphambili

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.