Ngongole Zotsekera vs. Piggyback: Kusankha Njira Yoyenera

Zikafika pazandalama za equity, eni nyumba ali ndi njira zingapo zopezera mtengo wanyumba zawo, ndi Closed-End.ngongole yachiwiri(CES) ndi ngongole za piggyback zili bwino. Zonsezi zimagwera pansi pa ambulera ya Second Mortgage, koma zimakhala ndi zolinga zosiyana. CES yodziyimira yokha ndi yabwino kuwonongera nthawi imodzi monga ndalama zogulira nyumba kapena ngongole zophatikiza ngongole, pomwe ngongole ya piggyback imagwiritsidwa ntchito pogula kuti musawononge ndalama zina. Nkhaniyi ikufotokoza kusiyana kwawo kuti ikuthandizeni kusankha Ngongole Yanyumba Yoyenera Pazolinga zanu.

CES yoyima yokha ndi Ngongole Yachiwiri Yotsekedwa yomwe imapereka ndalama zokhazikika, zobwezeredwa pakanthawi yokhazikitsidwa ndi chiwongola dzanja chokhazikika. Ndi yabwino kwa eni nyumba omwe ali ndi ndalama zomwe amafunikira ndalama popanda kubweza ngongole yawo yoyamba. Mwachitsanzo, CES ikhoza kulipira $30,000 yokonzanso denga, ndikupereka ndalama zodziwikiratu zandalama zowongolera nyumba. Ndingongole yamphamvu yophatikizira ngongole, kukulolani kuti muphatikize ngongole zotsika mtengo kukhala Second Mortgage imodzi yokhala ndi mitengo yochepera 10%. Obwereketsa amafunaFull Dockutsimikizira-kubweza msonkho, umboni wa ndalama, ndi ngongole yoposa 620-koma njira zina zamakalata monga ma statement a kubanki zilipo kwa omwe sali achikhalidwe.

Mosiyana ndi izi, ngongole ya nkhumba ndi Ngongole Yachiwiri yomwe imatengedwa nthawi imodzi ndi ngongole yanu yoyamba, yomwe nthawi zambiri imapangidwa ngati mgwirizano wa 80-10-10 (80% ngongole yoyamba, 10% piggyback, 10% yolipira). Ntchito yake yayikulu ndikuchotsa inshuwaransi yanyumba yachinsinsi (PMI) pomwe malipiro anu ochepera ndi 20%. Mosiyana ndi CES yoyima yokha, piggyback siinapangidwe kuti ikhale ndi ndalama zogulira pambuyo pogula koma kuti ichepetse ndalama zogulira. Mwachitsanzo, panyumba ya $400,000, ngongole ya $40,000 ya nkhumba imaphimba gawo lazolipira, kukupulumutsirani chindapusa cha PMI.

Kusankha pakati pa CES yoyima yokha ndi piggyback kumatengera nthawi ndi cholinga. Ngati mukugula nyumba komanso ndalama zochepa, piggyback ikhoza kupangitsa umwini kukhala wotsika mtengo. Ngati muli ndi nyumba yanu kale ndipo mukufuna Ngongole Yanyumba Yophatikizira Ngongole kapena kukonzanso, CES ndiyoyenera. CES yodziyimira yokha imasunga mawu anu obwereketsa, kukupatsirani kusinthika kwa madotolo athunthu kapena obwereketsa ena. Komabe, ngongole za piggyback zitha kukhala zokwera mtengo, chifukwa zimakhala zowopsa kwa obwereketsa.

Zosankha zonse ziwiri zimagwiritsa ntchito nyumba yanu ngati chikole, chifukwa chake kusakhazikika kumawopsa kutsekeredwa. Kuti musankhe, yang'anani ndalama zanu - chotsani ngongole yanu yanyumba ku mtengo wanyumba yanu - ndikuwonetsetsa kuti chiŵerengero chanu cha DTI chikuthandizira malipiro owonjezera. Fananizani obwereketsa kuti mupeze mpikisano wa CES kapena mawu obweza nkhumba, ndipo lingalirani zofunsira mlangizi wazachuma.

Pamapeto pake, Ngongole Yachiwiri Yotseka Imawala pakuwongolera ndalama zanyumba ndi ngongole zophatikiza ngongole, pomwe ngongole za piggyback zimagwirizana ndi zogula. Pomvetsetsa mitundu iyi ya Second Mortgage, mutha kugwiritsa ntchito ndalama zachilungamo kuti zikwaniritse zosowa zanu moyenera.