Yiziphi Izidingo Zokuphuma Kwemali?

Lapho uzulazula emakethe ye-mortgage yase-US, isici esisodwa esibalulekile abanikazi bezindlu nabatshalizimali abavame ukuhlangana nabo isidingo sokukhipha imali. Ukuqonda ukuthi imfuneko yesinongo sokukhipha imali ihlanganisani kubalulekile kunoma ubani ofuna ukusebenzisa ukulingana kwekhaya lakhe ngempumelelo. Kulesi sihloko, sihlolisisa imininingwane ye-cash-out seasoning, siqinisekisa ukuthi unolwazi oluningi ngaphambi kokwenza izinqumo zezezimali.

Iyini Imfuneko Yezinkathi Zokukhipha Imali?

Isidingo sesinongo sokukhipha imali sibhekisela esikhathini esiyisibopho umninikhaya okufanele asilinde ngemva kokuthenga noma ukubuyisela kabusha isakhiwo ngezimali ngaphambi kokuba akhiphe imali.I-Refinance. Lesi sikhathi sibalulekile ngoba sivumela ababolekisi ukuthi baqinisekise ukuthi indawo iyigcinile noma inyukile inani, baqinisekise ukuthi umninikhaya unemali eyanele ukuze athethelele ukukhokhwa kwemali kabusha.

Imvamisa, isidingo sokukhipha ukheshi isinongo sisethwa ezinyangeni eziyisi-6 kuye kweziyi-12, kuye ngohlobo lwemalimboleko kanye nohlobo lwemalimboleko. Lokhu kusho ukuthi abanikazi bezindlu kufanele balinde okungenani izinyanga eziyisithupha kusukela osukwini lokuvalwa kwempahla yabo yendlu yokuqala noma uxhaso lwangaphambilini ngaphambi kokuba bafake isicelo se-cash-out refinance. Kodwa-ke, kubalulekile ukuqaphela ukuthi izidingo ezithile zingahluka ngokuya ngemboleki kanye nephrofayili yezezimali yomninikhaya.

Kungani Isizini Yokukhipha Imali Ibalulekile?

Ukuqonda ukuthi iyini imfuneko ye-cash-out seasoning kubalulekile ngenxa yezizathu eziningana. Okokuqala, ivikela ababolekisi ngokuqinisekisa ukuthi abanikazi bezindlu banokuma kwezimali okuzinzile nokuthi inani lesakhiwo alikaze lehle kusukela ekuthengeni kokuqala noma ekuxhasweni kabusha kwezimali. Okwesibili, kuvimbela abanikazi bezindlu ukuthi bashintshe ngokushesha izakhiwo ukuze bathole inzuzo ngaphandle kokusungula ukulingana kwangempela.

Kubanikazi bezindlu, ukuhlangabezana nemfuneko ye-cash-out seasoning kungavula iminyango yokufinyelela izimali ezibalulekile. Lezi zimali zingasetshenziselwa izinjongo ezihlukahlukene, njengokuthuthukiswa kwekhaya, ukuhlanganiswa kwezikweletu, noma ezinye izimaliutshalomalis. Kodwa-ke, ukwehluleka ukuhlangabezana nemfuneko yesinongo kungaholela ekunqatshelweni kwezicelo noma emigomeni yemali-mboleko engathandeki.

Ukuzulazula Kwezimfuneko Zesikhathi Sokuphuma Kwemali

Ukuzulazula ngokuphumelelayo isidingo se-cash-out seasoning, abanikazi bezindlu kufanele bahlele amasu abo ezezimali kusenesikhathi. Kuyatuseka ukuthintana nochwepheshe bezezindlu ezingakunikeza isiqondiso esifanelana nesimo sakho esithile. Ukwengeza, ukugcina amaphuzu amahle esikweletu kanye nokuqinisekisa ukuthi izinkokhelo zezindlu ezifika ngesikhathi kungathuthukisa ukufaneleka kwakho kwezimali ezikhishwa ngokheshi lapho isikhathi sonyaka sesiphelile.

Sengiphetha, ukuqonda ukuthi iyini imfuneko yesinongo sokukhipha imali kubalulekile kunoma ubani ocabangela ukukhishwa kwezimali kabusha emakethe yezindlu zase-US. Ngokwaziswa nokuzilungiselela, abanikazi bezindlu bangenza izinqumo zezezimali zamasu ezihambisana nemigomo yabo yesikhathi eside. Hlala uthintana nomeluleki wezezimali noma uchwepheshe wezezindlu ukuze uqiniseke ukuthi uhlangabezana nazo zonke izidingo ezidingekayo futhi usebenzisa ngokunenzuzo ukulingana kwekhaya lakho.