11/15/2023

Chiyambi cha HELOC

HELOC, yomwe imadziwikanso kuti Home Equity Line of Credit, ndi mtundu wa ngongole yomwe imalola eni nyumba kubwereka ndalama motsutsana ndi ndalama zomwe apeza pa katundu wawo.Ndilo mzere wozungulira wa ngongole, kutanthauza kuti imagwira ntchito mofanana ndi khadi la ngongole: obwereka amapatsidwa malire apamwamba omwe angathe kutengapo, ndipo akhoza kutenga ndalama ngati zikufunikira mpaka malirewo afika.

Zofunikira za aHELOCzikuphatikizapo:

1. Ngongole Yotetezedwa:
   HELOC (Home Equity Line of Credit) imatetezedwa ndi nyumba ya wobwereka, ndikupangitsa kukhala ngongole yodalirika.Ngati wobwereketsa alephera pa HELOC, wobwereketsa akhoza kuwononga nyumbayo kuti abweze ndalama zake.
2. Zofunikira za Equity:
   Kuti ayenerere kulandira HELOC (Home Equity Line of Credit), eni nyumba nthawi zambiri amafunika kukhala ndi ndalama zina m'nyumba zawo.Equity ndi kusiyana pakati pa zomwe nyumba yanu ili nayo ndi ndalama zonse zomwe zili pamalopo, monga ngongole zanyumba kapena ngongole zina.
3. Kapangidwe ka Mzere Wangongole:
   HELOCs nthawi zambiri amakhala ndi nthawi yojambula, nthawi zambiri zaka 5-10, pomwe wobwereka amatha kupeza ndalamazo.Pambuyo pa nthawi yojambula, ma HELOC ena akhoza kulola kukonzanso, kapena amalowetsa nthawi yobweza pomwe palibe kubwereketsa kwatsopano komwe kumaloledwa, ndipo ndalama zomwe zilipo ziyenera kubwezeredwa pa nthawi yoikika.

Kusinthasintha kwa HELOC

Chimodzi mwazinthu zabwino kwambiri za aHELOC(Home Equity Line of Credit) ndiko kusinthasintha kwake.Eni nyumba angagwiritse ntchito ndalama zomwe zilipo pazifukwa zosiyanasiyana, kuphatikizapo kukonzanso nyumba, kugwirizanitsa ngongole, kapena kulipira ndalama zowonongeka.Mosiyana ndi njira zina zobwereketsa, pomwe cholinga cha ngongole chingakhale choletsedwa, HELOC imakupatsani ufulu wogwiritsa ntchito ndalama zomwe zikufunika kwambiri.

Kumvetsetsa Mtengo: Palibe Malipiro Obwereketsa

Chindapusa cha wobwereketsa potengera kubwereketsa nyumba chimaphatikizapo zolipiritsa zosiyanasiyana zomwe bungwe lobwereketsa lingafunike kuchokera kwa wobwereketsa kuti akonze ndi kulipirira ngongole yanyumba.Monga:

1. Ndalama Yoyambira: Ichi ndi chimodzi mwazolipira zobwereketsa ndipo amalipidwa ndi wobwereketsa popanga ngongoleyo.Nthawi zambiri amalipira mtengo wokonza zofunsira ngongole, kulemba pansi, ndikuyambitsa ngongole yanyumba.
2. Ndalama Zofunsira: Ndalama zomwe zimaperekedwa kuti zikwaniritse mtengo wofunsira koyamba, kuphatikiza macheke angongole ndi ndalama zoyendetsera ntchito.
3. Ndalama Zolembera Pansi Pansi: Ndalama zolembera pansi zimalipira wobwereketsayo panjira yowunika ndi kutsimikizira pempho la ngongoleyo komanso chidziwitso chandalama cha wobwereketsa ndi mbiri yangongole.

ndi zina…

Mwamwayi, Prime Minister wathuHELOC(Home Equity Line of Credit) zosankha zimabwera ndi mawonekedwe osangalatsa osalipira ngongole.Izi zikutanthauza kuti wobwereketsa samalipidwa ndalama zowonjezera ndi wobwereketsa pokhazikitsa mzere wangongole, zomwe zimapangitsaMtengo HELOCchida chokongola kwambiri chandalama kwa iwo omwe akufuna kuchepetsa ndalama zomwe amabwereka.

Phindu la Ndalama Zochepa Pachaka

Ndalama Zapachaka, ndi chindapusa chomwe wobwereketsa amalipira pachaka panthawi yonse yomwe ngongoleyo idabwereka kapena pa nthawi yokhazikitsidwa ndi mawu angongole.Ndalamazi ndi zokuthandizani kuti mukhale ndi mwayi wopeza ngongoleyi ndipo nthawi zambiri amalipidwa chaka chilichonse patsiku lokumbukira kutsegulidwa kwa akaunti.Phindu lina lazachuma losankhira HELOC (Home Equity Line of Credit) ndi kuthekera kwa chindapusa chochepa pachaka.ZathuMtengo HELOCperekani chindapusa chapachaka $75, chofanana ndi kirediti kadi.Komabe, malipirowa nthawi zambiri amakhala otsika kwambiri kuposa omwe amagwirizanitsidwa ndi mitundu ina ya ngongole, zomwe zimapangitsa HELOC kukhala njira yotsika mtengo yokonzekera zachuma kwa nthawi yaitali.Ndikofunikira kuti obwereketsa apeze chinthu cha HELOC chomwe chimapereka chindapusa chotsika kwambiri pachaka kuti asunge ndalama zambiri.

Kutsiliza: Njira Yanzeru Yosinthira Zachuma

Pomaliza, Home Equity Line of Ngongole imatha kukhala chida chabwino kwambiri chandalama kwa eni nyumba omwe akufuna kugwiritsa ntchito ndalama zawo.Pokhala ndi mwayi wosalipira wobwereketsa komanso chindapusa chochepa pachaka, aMtengo HELOCamapereka mlingo wa kusinthasintha ndi kutsika mtengo komwe kuli kovuta kumenyana ndi njira zina zobwereka.Monga momwe zilili ndi ndalama zilizonse, ndikofunikira kuchita kafukufuku wozama ndikuganizira zonse zomwe zilipo musanapereke ku Prime HELOC kuti muwonetsetse kuti ikugwirizana ndi zolinga zanu zachuma.

Zambiri za AAA Lendings

Yakhazikitsidwa mu 2007, AAA Lendings yakhala wobwereketsa wotsogola wazaka zopitilira 15.Mwala wathu wapangodya ukupereka ntchito zosayerekezeka ndi kudalirika, kuonetsetsa kuti makasitomala athu akukhutira kwambiri.

Kukhazikika pamitundu yambiri yazinthu zomwe si za QM kuphatikizaNo Doc Palibe Ngongole, Self Prepared P&L, WVOE, DSCR, Malipoti a Banki, Jumbo, HELOC, Tsekani Mapeto Achiwirimapulogalamu - timatsogolera msika wa ngongole wa 'Non-QM'.Timamvetsetsa zovuta zopezera ngongole ndipo tili ndi 'Loan Arsenal' yosiyanasiyana kuti tithane ndi zovuta izi.Kulowa kwathu koyambirira pamsika wa Non-QM kwatipatsa ukadaulo wapadera.Khama lathu lochita upainiya likutanthauza kuti timamvetsetsa zosowa zanu zachuma.Ndi AAA Lendings, kukwaniritsa zolinga zanu zachuma ndikosavuta komanso kotheka.

Tathandiza mabanja pafupifupi 50,000 kuti akwaniritse maloto awo azachuma, ndipo ndalama zobweza ngongole zimaposa $20 biliyoni.Kukhalapo kwathu kofunikira m'malo ofunikira monga AZ, CA, DC, FL, NV, ndi TX kumatithandiza kukhala ndi anthu ambiri.

Pokhala ndi othandizira odzipereka opitilira 100 komanso magulu olembera kunyumba ndi owunikira, timawonetsetsa kuti njira yobwereketsa yokhazikika komanso yopanda nkhawa.

Kanema:HELOC: Njira Yabwino Yobwerezeranso Eni Nyumba

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.