A Home Equity Line of Ngongole Mwina Kusankha Kodabwitsa
05/12/2022
Kodi HELOC ndi chiyani?
A HELOC (Home Equity Line of Ngongole) imalola obwereka kubwereka ndalama zomwe apanga kale m'nyumba zawo.
A HELOC ali ndi ntchito zosiyanasiyana, kuphatikizapo ndalama zogulira nyumba ndi kukonzanso nyumba komanso ndalama zina zazikulu.Ngakhale zimaloleza kubwereketsa komanso kubweza, zimafunanso kuti obwereketsa azikhala osamala pankhani yotenga ndalama ndikubweza owabwereketsa.
H Kodi HELOC imagwira ntchito bwanji?
Mwachidule chake, HELOC imagwira ntchito ngati kirediti kadi.Obwereketsa akhoza kubwereka ndalama mpaka pamlingo wakutiwakuti wobwereketsayo ndiyeno n’kubweza ndalama zimene anabwereka pamodzi ndi chiwongoladzanja.Njirayi imalola kusinthasintha kwakukulu - obwereka amatha kuchotsa ndikulipira tsiku lililonse kapena sabata ngati kuli kofunikira.
HELOC nthawi zambiri imakhala yosavuta kukwanitsa malinga ngati obwereka ali ndi ndalama zambiri m'nyumba mwawo, koma kukhalabe ndi chiwongola dzanja ndi kulipira kwa mkulu ndikofunikira kuti wobwereketsa asabweze ngongoleyo ndikutaya nyumba yake.
Kodi Obwereketsa amawononga bwanji ndalama za HELOC?
Ngati Obwereketsa akuvomerezedwa ku HELOC, obwereketsa akhoza kuwalola kuti atenge ndalama panthawi yodziwika yotchedwa nthawi yojambula.
Nthawi yobwereka ikatha, wobwereketsa akhoza kuwalola kuti awonjezerenso njira yangongole.Ngati sichoncho, obwereka angafunikire kubweza ndalama zonse zomwe zatsalazo nthawi imodzi kapena pakapita nthawi, yomwe imatchedwa nthawi yobwezera.
Kodi mungapeze bwanji HELOC?
Pofunsira HELOC, akuyembekezeka kulipira mazana a madola pa chiwongola dzanja, ndalama zofunsira, ndalama zofufuzira mutu, ndi zina zotero.Chifukwa chake, obwereketsa ayenera kuwonetsetsa kuti atenga ngongole yayikulu yokwanira kuti abweze ndalama zomwe adaziwononga.
Ngakhale zimatsimikiziridwa makamaka ndi mtengo wamsika wa nyumba za obwereketsa komanso kuchuluka kwa omwe amabwereketsa pa ngongole yawo yanyumba.Chifukwa chakuti obwereka ali ndi ndalama zambiri m'nyumba mwawo sizikutanthauza kuti adzalandira ngongole yaikulu chifukwa malire a ngongole a HELOC amadalira zinthu zingapo, kuphatikizapo ngongole ya obwereketsa ndi ngongole zosalipidwa.
Ngati obwereka akufunikira ndalama zambiri kuposa zomwe HELOC ingapereke, zingakhale zomveka kulingalira ngongole yomwe siigwiritsa ntchito ndalama zapakhomo ngati chikole.Koma, ngati obwereketsa sakutsimikiza kuti adzafuna ndalama zingati, kutenga HELOC ndi njira yosinthira kuti mutenge ndalama nthawi imodzi kapena mwa apo ndi apo.
Zonsezi, HELOC ikhoza kukhala chisankho chabwino kwambiri kwa obwereka panthawi yomwe chiwongola dzanja chazinthu zambiri chikukwera.
Ndemanga: Nkhaniyi idasinthidwa ndi AAA LENDINGS;zina mwazithunzi zidatengedwa pa intaneti, pomwe malowa sakuyimiridwa ndipo sangasindikizidwenso popanda chilolezo.Pali zoopsa pamsika ndipo ndalama ziyenera kukhala zosamala.Nkhaniyi sikupanga upangiri wandalama zaumwini, komanso sikuganizira zolinga zazachuma, zachuma kapena zosowa za ogwiritsa ntchito.Ogwiritsa ntchito akuyenera kuganizira ngati malingaliro, malingaliro kapena malingaliro omwe ali pano ali ogwirizana ndi momwe alili.Invest molingana ndi chiopsezo chanu.
Nthawi yotumiza: May-12-2022