Ukuqonda Ulayini Wokulingana Kwekhaya Lesikweletu: I-Annual Fee Insights

Lapho ucubungula i-Home EquityUmugqa Wesikweletu(HELOC), ukuqonda izindleko ezihambisanayo, ikakhulukazi imali yonyaka, kubalulekile. I-HELOC ingaba ithuluzi elibalulekile lezezimali kubanikazi bezindlu abafuna ukusebenzisa ukulingana kwezindlu zabo, kodwa kubalulekile ukuqaphela zonke izinkokhelo ezihilelekile ukuze wenze isinqumo esinolwazi. Lesi sihloko sicubungula imininingwane yemali yonyaka ehlotshaniswa ne-Home Equity Line of Credit kanye nokuthi ikuthinta kanjani ukuhlela kwakho kwezezimali.

I-Home Equity Line of Credit (HELOC) ivumela abanikazi bezindlu ukuthi baboleke imali elinganayo ekhaya labo, inikeze ulayini wekhredithi oguquguqukayo ongasetshenziselwa izinjongo ezihlukahlukene njengokuthuthukiswa kwekhaya, ukuhlanganiswa kwezikweletu, noma izindleko ezingalindelekile. Ngokungafani nemalimboleko evamile, i-HELOC isebenza njengekhadi lesikweletu, lapho ungakwazi ukuboleka futhi ubuyisele izimali njengoba kudingeka ngesikhathiIsikhathi Sokudweba.

Enye yezindleko ezibalulekile ezihlobene ne-HELOC yimali yonyaka. Imali yonyaka iyinkokhiso ephindaphindayo abanikazi bezindlu okufanele bayikhokhe unyaka ngamunye ukuze balondoloze umugqa wabo wesikweletu. Le mali ingahluka kakhulu kuye ngomboleki kanye nemibandela ye-HELOC. Ngokuvamile, inkokhelo yonyaka isukela ku-$50 iye ku-$100, kodwa ingaba phezulu noma ibe phansi ngokusekelwe esivumelwaneni esithile.

Kubalulekile ukufaka isandla enkokhelweni yonyaka lapho kubalwa zonke izindleko ze-Home Equity Line of Credit. Nakuba imali yonyaka ingase ibonakale incane uma iqhathaniswa nezinzuzo ezingaba khona ze-HELOC, ingangeza ngokuhamba kwesikhathi, ikakhulukazi uma ugcina umugqa wesikweletu iminyaka eminingana. Isibonelo, uma inkokhelo yakho yonyaka ingu-$75 futhi ugcina i-HELOC ivuliwe iminyaka engu-10, leyo yizindleko ezengeziwe ezingu-$750.

Lapho uthenga i-HELOC, kubalulekile ukuqhathanisa imali yonyaka phakathi kwababolekisi abahlukene. Abanye ababolekisi bangase banikeze izikhathi zokuphromotha ngaphandle kwenkokhelo yonyaka yonyaka wokuqala noma bayeke inkokhelo ngokuphelele njengengxenye yomnikelo okhethekile. Kodwa-ke, kubalulekile ukufunda umbhalo obhaliwe futhi uqonde ukuthi imali izosetshenziswa nini futhi kanjani eminyakeni elandelayo.

Ngokungeziwe enkokhelweni yonyaka, abanikazi bezindlu kufanele futhi bacabangele ezinye izindleko ezihlobene Nomugqa Wokulingana Kwekhaya Wesikweletu, njengezinkokhelo zesicelo, izinkokhelo zokuhlola, kanye nezinkokhelo zokunqanyulwa kwesikhathi ezingaba khona. Ngokuqonda zonke izindleko ezihilelekile, ungahlola kangcono ukuthi i-HELOC iyithuluzi elifanele lezezimali lezidingo zakho.

Sengiphetha, inkokhiso yonyaka iyingxenye ebalulekile ye-Home Equity Line of Credit okufanele abanikazi bezindlu bayicabangele. Nakuba kungase kubonakale kuyizindleko ezincane, kunomthelela ezindlekweni zizonke zokugcina i-HELOC. Ngokucwaninga ngokucophelela nokuqhathanisa izinketho ezihlukene ze-HELOC, ungathola ulayini wesikweletu onikeza imigomo engcono kakhulu futhi unciphise izindleko ezengeziwe, uqinisekisa ukuthi wenza ngokugcwele ukulingana kwekhaya lakho.

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.