Ngongole Zanyumba Zothandizira Ngongole ndi Kukweza

Kusamalira ndalama monga mwini nyumba kungakhale kovuta, makamaka ndi ngongole zachiwongoladzanja kapena kukonzanso nyumba zamaloto pafupi. Ngongole Yanyumba, yomwe imadziwikanso kuti Closed-Endngongole yachiwiri(CES) kapena Second Mortgage, imakupatsirani yankho potengera ndalama zanyumba yanu kuti mupeze ndalama zachilungamo. Ngongole yamtunduwu ndiyothandiza kwambiri pakubwereketsa ngongole zophatikizira ngongole komanso ndalama zowongolera nyumba, kukuthandizani kusunga ndalama ndikukweza katundu wanu. Tiyeni tiwone momwe CES ingasinthire momwe chuma chanu chikuyendera.

A Home Equity Loan imapereka ndalama zonse ndi aChidwi Chokhazikikamtengo, kubwezeredwa pang'onopang'ono pamwezi. Kapangidwe kameneka kamapangitsa kukhala koyenera kuphatikiza ngongole. Mwachitsanzo, ngati mukukankhira ndalama zama kirediti kadi ndi mitengo yoposa 20%, ngongole yophatikiza ngongole kudzera mu CES ingachepetse chiwongola dzanja chanu kufika pa 6-10%, ndikuchepetsa zolipira pamwezi ndi ndalama zonse. Mwa kuphatikiza ngongole zingapo kukhala Mortgage Yachiwiri Yachiwiri, mumachepetsa bajeti ndikuyang'ana pakulipira wamkulu mwachangu.

Kupitilira pakubweza ngongole, ndalama zowongolera nyumba ndi ntchito ina yofunika kwambiri pa Ngongole Yachiwiri Yotseka. Kaya ikuwonjezera sitima yatsopano kapena kukweza makina anu a HVAC, CES imapereka ndalama patsogolo osakhudza ngongole yanu yoyamba. Ndalama izi nthawi zambiri zimakulitsa mtengo wa nyumba yanu, zomwe zimapangitsa Ngongole Yanyumba Yanyumba kukhala njira yabwino kwambiri. Mwachitsanzo, kukonzanso $50,000 kothandizidwa ndi Second Mortgage kumatha kukulitsa mtengo wa katundu wanu ndi $75,000, kukupatsirani chitonthozo komanso kubweza mtsogolo.

Kuyenerera kwa CES kumafuna chitsimikiziro chonse cha doc-malipiro, W-2s, ndi mphambu zangongole zosachepera 620. Komabe, njira zina zamadotolo zikuchulukirachulukira, kulola obwereketsa omwe ali ndi ndalama zosakhazikika kuti apereke zikalata zakubanki m'malo mwake. CES yodziyimira payokha ndiyosangalatsa kwambiri, chifukwa siyikusokoneza ngongole yanu yanyumba, mosiyana ndi ngongole ya nkhumba yomwe imagwiritsidwa ntchito pogula nyumba kuti mulipirire zolipirira. Ndi CES yodziyimira pawokha, mumapeza ndalama zothandizira zosowa zapadera, monga mabilu azachipatala kapena maphunziro, ndikusunga ngongole yanu yoyamba.

Ngakhale Ngongole ya Home Equity imapereka mitengo yotsika poyerekeza ndi ngongole zopanda chitetezo, imatetezedwa ndi nyumba yanu, kutanthauza kuti ndalama zomwe mwaphonya zitha kukhala pachiwopsezo cha kutsekeredwa. Kuti muchepetse izi, bwerekeni zomwe mukufuna ndikutsimikizira kuti chiŵerengero chanu cha ngongole ndi ndalama (DTI) chikhala pansi pa 43%. Gwiritsani ntchito zowerengera zapaintaneti kuti muyerekeze zomwe muli nazo ndikufananiza zobwereketsa kuti mupeze mawu abwino kwambiri a CES.

M'malo mwake, Ngongole Yachiwiri Yotsekera ndi chida chosunthika chophatikizira ngongole ndi kulipirira nyumba. Mwa kugwiritsa ntchito equity financing, mutha kuwongolera zachuma ndikuyika tsogolo la nyumba yanu. Kaya mumasankha zolemba zonse za doc kapena zolemba zina, Second Mortgage ikhoza kuyambitsa njira yokhazikika pazachuma ikafikiridwa mwanzeru.