08/16/2023

Ukubuyisela kabusha i-mortgage, eyaziwa nangokuthi "i-re-mortgaging," uhlobo lwenqubo yemalimboleko lapho abanikazi bezindlu bengasebenzisa imali mboleko entsha ukuze bakhokhele imali mboleko yabo yendlu ekhona.Abanikazi bezindlu e-US bavame ukukhetha ukuxhasa ngezimali kabusha ukuze bavikele izimo zemalimboleko ezivumayo, njengezinga lenzalo eliphansi noma imigomo yokukhokha elawulekayo.

I-Refinancing ngokuvamile yenziwa ezimweni ezilandelayo:

1. Ukuncipha Kwezilinganiso Zenzalo: Uma amazinga enzalo emakethe ehla, abanikazi bezindlu bangase bakhethe ukubuyisela imali ukuze bathole inani elisha, eliphansi, lehlise izinkokhelo zanyanga zonke kanye nesamba semali yenzalo.
2. Ukushintsha Isikhathi Sokubolekwa Imali: Uma abanikazi bezindlu befuna ukukhokha imali ebolekiwe ngokushesha noma behlise izinkokhelo zabo zanyanga zonke, bangakhetha ukushintsha isikhathi sokubolekwa imali ngokuyibuyisela kabusha.Isibonelo, ukushintsha kusukela ekubolekweni kweminyaka engama-30 kuya kwengu-15, futhi ngokuphambene nalokho.
3. Ukukhishwa kwe-Equity: Uma inani lekhaya lenyukile, abanikazi bezindlu bangakhipha enye yemali yendlu (umehluko phakathi kwevelu yendlu kanye nesikweletu esisilele) ukuze kuhlangatshezwane nezinye izidingo zezimali, njengokuthuthukiswa kwekhaya noma izindleko zemfundo, ngokusebenzisa imali kabusha.

Uyonga Kanjani Imali Nge-Mortgage Refinancing
E-US, ukubuyisela imali yezindlu ezibolekwayo kuyindlela abanikazi bezindlu abangonga ngayo imali ngalezi zindlela ezilandelayo:

1. Ukuqhathanisa Izilinganiso Zenzalo: Enye yezinzuzo ezinkulu zokuxhasa ngezimali kabusha amandla okuthola isilinganiso senzalo esiphansi.Uma izinga lenzalo yemalimboleko yakho ekhona lingaphezulu kwenani lemakethe, ukubuyisela imali kungase kube indlela enhle yokonga ezindlekweni zenzalo.Kodwa-ke, ngaphambi kokwenza isinqumo, udinga ukubala ukuthi ungonga malini nokuthi lokhu kuyazidlula yini izindleko zokubuyisela imali.
2. Ukulungisa Isikhathi Sokubolekwa Kwemali: Ngokunciphisa isikhathi sokubolekwa imali, ungonga inani elikhulu ezinkokhelweni zenzalo.Isibonelo, uma ushintsha kusukela eminyakeni engu-30 ukuya kwengu-15 yeminyaka ebolekiwe, izinkokhelo zakho zanyanga zonke zingase zenyuke, kodwa isamba semali oyikhokhayo izokwehla kakhulu.
3. Ukukhipha I-Private Mortgage Insurance (PMI): Uma inkokhelo yakho yokuqala emalini ebolekiwe yokuqala yayingaphansi kuka-20%, kungase kudingeke ukhokhe umshwalense we-private mortgage.Kodwa-ke, uma ukulingana kwendlu yakho kweqa u-20%, ukubuyisela imali kungase kukusize ukuthi ususe lo mshwalense, ngaleyo ndlela wonge ezindlekweni.
4. Izilinganiso Zenzalo Egxilile: Uma une-Adjustable Rate Mortgage (ARM), futhi ulindele ukuthi izinga lenzalo likhuphuke, ungase ufune ukushintshela emalini ebolekiwe enesilinganiso esinqunyiwe ngokufaka kabusha imali, lokhu kungakuvalela esilinganisweni esiphansi.
5. Ukuhlanganiswa Kwezikweletu: Uma unezikweletu ezinenzalo enkulu njengezikweletu zekhadi lesikweletu, ungase ucabangele ukusebenzisa izimali ezivela ekukhokheleni kabusha ukuze ukhokhe lezi zikweletu.Kodwa khumbula ukuthi lesi sinyathelo sizoguqula izikweletu zakho zibe yimali ebolekiwe;uma ungakwazi ukukhokha ngesikhathi, ungase ulahlekelwe yikhaya lakho.

I-AAA LENDINGS inemikhiqizo ethile ebhekelelwe izidingo zokuxhasa ngemali:

HELOC- Okufushane Komugqa Wesikweletu Sekhaya, kuwuhlobo lwemali mboleko esekelwa ukulingana kwekhaya lakho (umehluko phakathi kwevelu yemakethe yendlu yakho kanye nempahla yakho yendlu engakhokhelwa).AHELOCkufana nekhadi lokuthenga ngesikweletu, elikunikeza umugqa wesikweletu ongaboleka kuwo uma kudingeka, futhi udinga kuphela ukukhokha inzalo enanini langempela olibolekile.

Kuvaliwe Ukuphela Kwesibili (CES)- eyaziwa nangokuthi i-mortgage yesibili noma i-home equity loan, iwuhlobo lwemalimboleko lapho ikhaya lomboleki lisetshenziswa njengesibambiso futhi ingeyesibili ngokuza kuqala kunemali ebolekiwe yokuqala, noma yokuqala.Obolekayo uthola isamba semali ngesikhathi esisodwa.Ngokungafani ne-aHELOC, okuvumela ababoleki ukuthi badwebe izimali njengoba kudingeka kuze kufike kumugqa omisiwe wesikweletu, aCESinikeza inani elinqunyiwe lemali okufanele likhokhwe esikhathini esimisiwe ngenani lenzalo elingaguquki.

Imigomo Nemibandela Yokuphinda Ufake Izimali
Imigomo nemibandela yokuxhaswa ngezimali kabusha ibaluleke kakhulu kubanikazi bezindlu njengoba inquma inani lezindleko nezinzuzo zokuthola kabusha kwakho imali.Okokuqala, udinga ukubheka futhi uqonde izinga lenzalo kanye Nezinga Lephesenti Lonyaka (APR).I-APR ihlanganisa inkokhelo yenzalo nezinye izindleko ezifana nezinkokhelo zomsuka.

Okwesibili, zijwayelane nesikhathi semalimboleko.Izimali mboleko zesikhathi esifushane zingase zibe nezinkokhelo eziphakeme zanyanga zonke kodwa uzolondoloza okwengeziwe ngenzalo.Ngakolunye uhlangothi, imali mboleko yesikhathi eside izoba nezinkokhelo eziphansi zanyanga zonke kodwa inani lezindleko zenzalo lingase libe phezulu.Okokugcina, qonda izinkokhelo zangaphambili, njengezimali zokuhlola kanye nezimali zokulungiselela amadokhumenti, njengoba lezi zingase zisebenze lapho ufaka kabusha imali.

Imiphumela Yokuzenzakalelayo Kwemali Ebolekiwe
Ukwenza iphutha kuyindaba ebucayi futhi kufanele igwenywe uma kungenzeka.Uma ungakwazi ukubuyisela imali ebolekiwe kabusha, ungase ubhekane nemiphumela elandelayo:

1. Ukulimala Kwesikolodo Sesikweletu: Ukungakhokhi kungaba nomthelela omubi kakhulu kumphumela wakho wesikweletu, kuthinte izicelo zezikweletu zesikhathi esizayo.
2. Ukudliwa kwempahla: Uma uqhubeka nokungakhokhi, ibhange lingase likhethe ukulidla futhi lidayise umuzi wakho ukuze libuyisele isikweletu salo.
3. Izinkinga zomthetho: Ungase futhi ubhekane nezinyathelo zomthetho ngenxa yokungakhokhi.

Sekukonke, ukuxhasa ngezimali i-mortgage kungaletha izinzuzo ezibalulekile zezezimali kubanikazi bezindlu kodwa kubalulekile futhi ukuqonda ubungozi kanye nezibopho ezihilelekile.Ukwazi ukonga imali, ukucwaninga ngokucophelela imigomo nemibandela, nokuqonda imiphumela engase ibe khona yokungakwenzi iphutha kuyisihluthulelo sokwenza izinqumo ezihlakaniphile.

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.