Ukuvula Ukulingana Kwekhaya Ngemalimboleko Yesibili Evaliwe

Ubunikazi bezindlu bunikeza okungaphezu nje kwendawo yokuhlala—kuyimpahla yezezimali engavula amathuba ngoxhaso lwezimali zokulingana. Ithuluzi elilodwa elinamandla lokungena kulo mcebo I-Closed-Endisikweletu sesibili(CES), evame ukubizwa ngokuthi yi-Home Equity Loan noma I-Second Mortgage. Lolu hlobo lwemalimboleko luvumela abanikazi bezindlu ukuthi baboleke isamba ngokumelene nokulingana kwezindlu zabo, enikeza ukuguquguquka kwemigomo efana nokuxhaswa ngezimali kokuthuthukiswa kwekhaya noma ukuhlanganiswa kwezikweletu. Kulesi sihloko, sizohlola ukuthi i-CES isebenza kanjani nokuthi kungani iyisinqumo esibalulekile kwabaningi.

Imalimboleko Yesibili Evaliwe iyimalimboleko enesilinganiso esinqunyiwe esihlinzeka ngemali kusengaphambili, ekhokhwa ngesikhathi esimisiwe, ngokuvamile iminyaka emi-5 kuya kwengama-30. Ngokungafani nomugqa wesikweletu ojikelezayo, i-CES ayikuvumeli ukuboleka okwengeziwe uma imali mboleko isixhasiwe, okuyenza ilungele izindleko zesikhathi esisodwa. Isibonelo, uma uhlela ukulungisa kabusha ikhishi elikhulu, ukuxhaswa ngezimali kokuthuthukiswa kwekhaya nge-CES kungamboza izindleko ngaphandle kokuphazamisaOkuyinhlokoimali yendlu. Ngokufanayo, imali ebolekiwe yokuqinisa isikweletu isebenzisa i-CES ingahlanganisa ibhalansi yekhadi lesikweletu elinenzalo enkulu ibe inkokhelo eyodwa, enenani eliphansi, yonge izinkulungwane ngokuhamba kwesikhathi.

Ukuze ufanelekele ukubolekwa imali ye-Home Equity, ababolekisi bavame ukudinga ukuqinisekiswa okugcwele kwedokhumenti, okuhlanganisa izitatimende zeholo, izimbuyiselo zentela, kanye nesikolodo ngokuvamile esingaphezu kuka-620. Nokho, ezinye izinketho zedokhumenti ziyavela, ezivumela ababolekayo abazisebenzelayo noma labo abanemali engenayo engokwesiko ukuthi bafaneleke ngezitatimende zasebhange noma obunye ubufakazi. Lokhu kuvumelana nezimo kwenza ukulingana kwezimali kufinyeleleke kuhlu olubanzi lwabanikazi bezindlu. Ababolekisi baphinde bahlole isilinganiso semali mboleko yendlu yakho (i-LTV), ngokuvamile ihlanganisa ukuboleka ku-80-90% wemali etholakalayo.

Olunye uhlobo oluhlukile lwe-CES i-CES ezimele yodwa, esebenza ngaphandle kwe-mortgage yakho yokuqala. Ngokungafani nemalimboleko ye-piggyback-evame ukusetshenziselwa ukugwema umshwalense we-private mortgage (PMI) ngokuhlukanisa uxhaso lapho uthenga-i-CES ezimele ikhishwa kamuva, inikeze ukheshi ngezidingo ezithile. Ngokwesibonelo, umninikhaya angase asebenzise i-Second Mortgage ukuze akhokhele imali yokufunda yasekolishi yengane, asebenzise ukulingana ngaphandle kokubuyisela imali mboleko yakhe eyisisekelo enezinga eliphansi.

Izinzuzo Zemalimboleko Yesibili Evaliwe zicacile: izinkokhelo ezibikezelwayo, amanani ancintisanayo uma kuqhathaniswa namakhadi esikweletu, nekhono lokutshala ekhaya lakho noma ikusasa lezezimali. Kodwa-ke, ukuboleka ikhaya lakho kunezingozi, njengoba ukwenza iphutha kungase kuholele ekuphucweni. Ngaphambi kokufaka isicelo, bala ukulingana kwakho ngokukhipha ibhalansi yakho yemali ebolekiwe enanini lamanje lendlu yakho futhi uqinisekise ukuthi imali ebolekiwe ihambisana nesabelomali sakho.

Kafushane, i-CES inikezela ngendlela ehlelekile yokufinyelela uxhaso lwezezimali lokuthuthukiswa kwekhaya, ukuhlanganiswa kwezikweletu, noma eminye imigomo. Kungakhathaliseki ukuthi ukhetha i-doc ephelele noma enye incwadi yangaphansi, le-Second Mortgage ingaba isiguquli segeyimu uma isetshenziswa ngokuhlakanipha. Hlala uqhathanisa ababolekisi ukuze uvikele imigomo engcono kakhulu futhi uvikele inani lekhaya lakho.