Izindaba Zemboni
Vula Izinketho Zakho Zeziqu Ezivumelana Nezimo nge-Investment HELOC
Ingabe ufuna ukusebenzisa ukulingana ekhaya lakho ukuze utshale kwezinye izakhiwo noma amabhizinisi? AnutshalomaliHELOCkungaba ukhiye wokuvula amandla akho ezezimali ngeUkufaneleka Okuvumelana nezimoimibandela ehambisana nezidingo zakho. Nansi indlela ongazuza ngayo kuleli thuluzi elinamandla lezezimali:
Ukuqonda Investment HELOC
AnInvestment HELOC(I-Home Equity Line of Credit) ivumela abanikazi bezindlu ukuthi baboleke ngokulingana nempahla yabo. Ngokungafani nemalimboleko yendabuko, iInvestment HELOCinikeza umugqa wesikweletu ojikelezayo, okusho ukuthi ungakwazi ukuboleka, ukubuyisela, futhi uboleke futhi njengoba kudingeka. Lokhu kuvumelana nezimo kuwusizo ikakhulukazi kubatshalizimali abadinga imali ngokuqhubekayo.
Kungani Khetha i-HELOC yokutshala imali?
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Ukufaneleka Okuvumelana nezimo: Imali mboleko yendabuko ingase ibe nezidingo eziqinile, kodwaInvestments HELOCsngokuvamile beza nokuningiUkufaneleka Okuvumelana nezimoizindinganiso. Lokhu kungafaka:
- Izidingo eziphansi zamaphuzu esikweletu.
- Izilinganiso eziphakeme zesikweletu-to-imali engenayo.
- Ukuqinisekiswa kwemali engenayo okuqinile, ikakhulukazi uma isu lakho lokutshala imali libonisa amathuba enzuzo ephezulu.
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Amanani enzalo: Ngokuvamile, izilinganiso zenzalo zivuliweInvestments HELOCsziyahlukahluka kodwa ziphansi kunalezo ezibolekiwe zomuntu siqu noma zamakhadi esikweletu. Lokhu kukwenza kube ukukhetha ukonga ukuxhasa utshalomali lwakho.
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Izinzuzo Zentela: Inzalo ikhokhweInvestments HELOCsingase idonswe intela uma izimali zisetshenziselwa ukuthenga, ukwakha, noma ukuthuthukisa kakhulu indawo evikela isikweletu. Hlala uthintana nomeluleki wezentela ukuze uqonde izinzuzo zakho ezithile.
Indlela Yokufanelekela Ukutshalwa Kwezimali HELOC
- Ukulingana: Udinga ukulingana okwanele ekhaya lakho. Ngokuvamile, ababolekisi bakuvumela ukuthi uboleke imali efinyelela ku-80-85% yemali yendlu yakho.
- Umphumela Wesikweletu: NgenkathiUkufaneleka Okuvumelana nezimokuwuphawu, amaphuzu esikweletu ahloniphekile asasiza ekutholeni amanani angcono.
- Iholo Ukuzinza: Ukukhombisa ukuthi uneholo elizinzile noma uhlelo lokutshala imali oluqinile lungathonya ababolekisi ukuze bavune wena.
Ukusetshenziswa Kwamasu Okutshalwa Kwezimali I-HELOC
- I-Real Estate Investment: Sebenzisa imali ukuze uthenge izakhiwo ezengeziwe, ulungise ukuze ukhuphule inani, noma ukhokhele izinkokhelo.
- Diversify Investments: Ngale kwezindawo ezithengiswayo, ungase utshale imali esitokweni, uqale ibhizinisi, noma uxhase amanye amabhizinisi anenzuzo enkulu.
Isiphetho
AnInvestment HELOCngeUkufaneleka Okuvumelana nezimoizinketho zinikeza indlela yamasu kubatshalizimali abafuna ukwandisa amaphothifoliyo abo. Ihlinzeka ngemali edingekayo ukuze kuthathwe amathuba okutshalwa kwezimali ngaphandle kwesidingo sokuqeda ezinye izimpahla. Ngokuqonda nokusebenzisa iInvestment HELOC, awugcini nje ngokuboleka imali; uzibeka esimweni esihle sokukhula kwezezimali nokuzinza. Khumbula, ngenkathiUkufaneleka Okuvumelana nezimoyenza kufinyeleleke, njalo qinisekisa ukuthi unohlelo oluphusile lokutshala imali ukuze usebenzise leli thuluzi lezezimali ngokugcwele.
Yenza umnyakazo wakho olandelayo emhlabeni wokutshalwa kwezimali ngokuzethemba, usekelwa amandla e-Investment HELOC
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.