Izindaba Zemboni
Khulisa Ukutshalwa Kwezimali Kwakho Ngokutshalwa Kwezimali I-HELOC: Akukho Imali Ebekiwe Edingekayo
Ingabe ungumtshalizimali ofuna ukwandisa iphothifoliyo yakho ngaphandle kokuhlanganisa ukheshi wakhoIzinqolobane? AnInvestmentHELOCngeAkukho Ukugodla Okudingekayokungase kube yisu lezezimali olidingayo. Nansi indlela ongasebenzisa ngayo le ndlela entsha:
Iyini i-HELOC yokutshala imali?
AnInvestment HELOC(I-Home Equity Line of Credit) ivumela abanikazi bezindlu ukuthi baboleke ngokulingana nempahla yabo. Ngokungafani nemalimboleko yendabuko, inikeza umugqa ojikelezayo wesikweletu, ongadonsa kuwo njengoba kudingeka, ubuyisele, bese udweba futhi. Lokhu kuvumelana nezimo kuyathandeka ikakhulukazi kubatshalizimali abadinga ukufinyelela okuqhubekayo emalini.
Ubuhle Bokuthi Akukho Imali Ebekiwe Edingekayo
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I-Liquidity: NgeAkukho Ukugodla Okudingekayo, ugcina imali yakho egciniwe injalo. Le mali esetshenziswayo ingabaluleka ezikhwameni eziphuthumayo noma amanye amathuba okutshala imali angase avele kungalindelekile.
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Investment Flexibility: Ungasebenzisa i-Investment HELOCukuxhasa:
- Ukuthengwa kwezindlu.
- Ukulungiswa kwendawo ukuze kukhuliswe inani.
- Izinkokhelo eziphansi ekutshalweni kwezimali okusha.
- Ukuhlukahluka kwezinye izimoto zokutshala imali njengezitoko noma ukuqala ibhizinisi.
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Amanani enzalo: Ngokuvamile,Investments HELOCszinikeza izilinganiso zenzalo eziguquguqukayo ezivame ukuba ngaphansi kunemalimboleko engavikelekile noma amakhadi esikweletu. Lokhu kwenza ukuboleka kungabizi kakhulu.
Ungakufanelekela Kanjani Ukutshalwa Kwezimali I-HELOC Ngaphandle Kwezimali Ezigciniwe
- Ukulingana: Udinga ukuba nokulingana okukhulu ekhaya lakho. Ababolekisi ngokuvamile bavumela ukuboleka kufika ku-80-85% wemali yendlu yakho.
- Umphumela Wesikweletu: Umphumela omuhle wekhredithi ungasiza ukuvikela amanani angcono, ngisho nomaAkukho Ukugodla Okudingekayo.
- Iholo Ukuzinza: Nakuba izimali ezibekiwe zingadingeki, ukukhombisa imali engenayo ezinzile noma isu eliqinile lokutshala izimali kungaqinisekisa ababolekisi ngamandla akho okubuyisela.
Ukusetshenziswa Kwamasu Okutshalwa Kwezimali I-HELOC
- Ukuthengisa izindlu: Thenga izakhiwo ezengeziwe noma uvuselele ezikhona ukuze ukhulise imali yokuqasha noma inani lokuthengisa kabusha.
- Diversify: Ngale kwezindawo ezithengiswayo, ungahlola ezinye izindlela zokutshala imali ngaphandle kokungena ezicebeni zakho.
Isiphetho
AnInvestment HELOCngeAkukho Ukugodla Okudingekayoivula umhlaba wamathuba okutshala imali ngaphandle kokubeka engcupheni inetha yakho yokuphepha kwezezimali. Le ndlela ikuvumela ukuthi:
- Gcina i-liquidity yezimo eziphuthumayo noma amanye amathuba okutshala imali.
- Finyelela izimali zokutshalwa kwezimali ngamanani enzalo okungenzeka aphansi.
- Gwema ukuhlanganisa izimali zakho ezigciniwe, ezingasetshenziselwa ezinye izinjongo noma zigcinwe njengomcamelo wezezimali.
Ngokukhetha iInvestment HELOCngeAkukho Ukugodla Okudingekayo, awugcini nje ngokuboleka imali; uzibeka esimweni esihle sokukhula nokuzinza kwezezimali. Khumbula, nakuba le nketho inikeza ukuguquguquka, qiniseka njalo ukuthi unohlelo oluhle lokutshala izimali ukuze wenze ngokugcwele leli thuluzi lezezimali.
Yenza utshalomali lwakho olulandelayo luhambe ngokuzethemba, lusekelwa amandla e-Investment HELOCngeAkukho Ukugodla Okudingekayo.
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.