Izikweletu Zokulingana Zasekhaya Zokusiza Izikweletu Nokuthuthukisa

Ukuphatha ezezimali njengomnikazi wendlu kungazizwa kungaphezu kwamandla, ikakhulukazi ngezikweletu ezinenzalo enkulu noma ukuthuthukiswa kwekhaya lamaphupho sekuseduze. I-Home Equity Loan, eyaziwa nangokuthi Isiphetho Esivaliweisikweletu sesibili(CES) noma i-Second Mortgage, inikeza isixazululo ngokusebenzisa ukulingana kwekhaya lakho ukuze uthole uxhaso lwezimali. Lolu hlobo lwemalimboleko lusebenza kahle kakhulu emalimboleko yokuqinisa izikweletu kanye nokuxhaswa ngezimali kokuthuthukiswa kwekhaya, okukusiza ukuthi wonge imali futhi uthuthukise indawo yakho. Ake singene ekutheni i-CES ingalungisa kanjani isimo sakho sezezimali.

I-Home Equity Loan iletha isamba ngeInzalo Egxilileisilinganiso, esikhokhwa ngezitolimende ezingashintshi zanyanga zonke. Lesi sakhiwo sikwenza kuphelele ukuhlanganisa izikweletu. Isibonelo, uma usebenzisana nebhalansi yekhadi lesikweletu namazinga angaphezu kuka-20%, imali ebolekiwe yokuqinisa isikweletu nge-CES inganciphisa inzalo yakho iye ku-6-10%, inciphise izinkokhelo zanyanga zonke kanye nesamba sezindleko. Ngokuhlanganisa izikweletu eziningi zibe I-Mortgage Yesibili Yesibili, wenza isabelomali sibe lula futhi ugxile ekukhokheleni uthishanhloko ngokushesha.

Ngaphandle kokukhululeka kwezikweletu, ukuxhaswa ngezimali kokuthuthukiswa kwekhaya kungenye indlela ephoqelelayo yokusebenzisa Imalimboleko Yesibili Evaliwe. Kungakhathaliseki ukuthi yengeza idekhi entsha noma ithuthukisa isistimu yakho ye-HVAC, i-CES inikeza izimali kusengaphambili ngaphandle kokuthinta imali yakho ebolekiwe. Lokhu kutshalwa kwezimali kuvame ukukhuphula inani lekhaya lakho, kwenze i-Home Equity Loan ibe umnyakazo wamasu. Isibonelo, ukulungiswa kabusha kuka-$50,000 okuxhaswe yi-Second Mortgage kungakhuphula inani lempahla yakho ngo-$75,000, kunikeze kokubili ukunethezeka kanye nembuyiselo yesikhathi esizayo.

Ukufaneleka ukuthola i-CES ngokuvamile kudinga ukuqinisekiswa okugcwele kwedokhumenti—ama-pay stubs, ama-W-2, kanye nesikolo sekhredithi okungenani esingu-620. Nokho, ezinye izinketho zedokhumenti ziya ngokuya zithandeka, okuvumela ababoleki abanemali engenayo engavamile ukuthi bathumele izitatimende zasebhange esikhundleni salokho. I-CES ezimele yodwa iyathandeka kakhulu, njengoba ingaphazamisi imali yakho yendlu ebolekiwe, ngokungafani nemali mboleko ye-piggyback esetshenziswa ngesikhathi sokuthenga ikhaya ukuze kukhokhelwe izinkokhelo. Nge-CES ezimele yodwa, ufinyelela uxhaso lwezezimali lwezidingo ezithile, njengezikweletu zezokwelapha noma imfundo, kuyilapho ugcina imali oyibolekile yokuqala injalo.

Nakuba i-Home Equity Loan inikeza amanani aphansi kunemalimboleko engavikelekile, ivikelwa ikhaya lakho, okusho ukuthi izinkokhelo ezigejiwe zingase zibe sengozini yokudlulwa. Ukuze unciphise lokhu, boleka kuphela lokho okudingayo futhi uqinisekise isilinganiso sakho sesikweletu semali engenayo (i-DTI) sihlala ngaphansi kwama-43%. Sebenzisa izibali eziku-inthanethi ukuze ulinganisele ukulingana kwakho futhi uqhathanise okunikezwayo kombolekisi ukuze uthole imigomo engcono kakhulu ye-CES.

Empeleni, i-Closed-End Second Loan iyithuluzi elisebenza ngezindlela eziningi lemalimboleko yokuqinisa izikweletu kanye nokuxhasa ngezimali kokuthuthukisa ikhaya. Ngokungena ekuxhasweni kwezimali, ungakwazi ukuhlela kahle izimali futhi utshale imali ekusaseni lekhaya lakho. Kungakhathaliseki ukuthi ukhetha i-doc ephelele noma enye incwadi yangaphansi, i-Second Mortgage ingavula indlela eya ekuzinzeni kwezezimali uma kukhulunywa ngayo ngokucabangisisa.