08/16/2023

Refinancing a mortgage, yomwe imadziwikanso kuti "re-mortgaging," ndi mtundu wa njira yobwereketsa yomwe eni nyumba angagwiritse ntchito ngongole yatsopano kuti alipire ngongole yawo yanyumba.Eni nyumba ku US nthawi zambiri amasankha kubweza ndalama kuti apeze ngongole zabwino, monga chiwongola dzanja chochepa kapena njira zobweza zotha kutheka.

Refinancing nthawi zambiri imachitika muzochitika zotsatirazi:

1. Kutsika kwa Chiwongola dzanja: Ngati chiwongola dzanja cha msika chikutsika, eni nyumba angasankhe kubwezanso ndalama kuti apeze ndalama zatsopano, zotsika, kuchepetsa kubweza pamwezi ndi chiwongola dzanja chonse.
2. Kusintha Nthawi Yakubwereketsa: Ngati eni nyumba akufuna kubweza ngongoleyo mwachangu kapena kuchepetsa kubweza kwawo pamwezi, angasankhe kusintha nthawi yobwereketsa ngongoleyo mwa kubwezeretsanso ndalama.Mwachitsanzo, kusintha kuchoka pa ngongole ya zaka 30 kupita ku zaka 15, ndi mosemphanitsa.
3. Kutulutsidwa kwa Equity: Ngati mtengo wa nyumbayo wakwera, eni nyumba angatengeko ndalama zina za nyumbayo (kusiyana pakati pa mtengo wa nyumbayo ndi ngongole yotsalayo) kuti akwaniritse zosowa zina zachuma, monga kuwongolera nyumba kapena zolipirira maphunziro, kudzera mu refinancing.

Momwe Mungasungire Ndalama ndi Mortgage Refinancing
Ku US, kubweza ngongole ndi njira yomwe eni nyumba angasungire ndalama m'njira izi:

1. Kuyerekeza Chiwongoladzanja: Chimodzi mwa ubwino waukulu wa refinancing ndi kuthekera kopeza chiwongoladzanja chochepa.Ngati chiwongola dzanja cha chiwongoladzanja chomwe muli nacho ndi chokwera kuposa chiwongola dzanja cha msika, kubweza ndalama kungakhale njira yabwino yopulumutsira chiwongola dzanja.Komabe, musanapange chisankho, muyenera kuwerengera kuchuluka kwa ndalama zomwe mungasunge komanso ngati izi zikuposa ndalama zoguliranso ndalama.
2. Kusintha Nthawi Yakubwereketsa: Pofupikitsa nthawi yobwereketsa, mutha kusunga ndalama zambiri pakubweza chiwongola dzanja.Mwachitsanzo, ngati mutasintha kuchoka pa zaka 30 kupita ku ngongole ya zaka 15, kubweza kwanu pamwezi kukhoza kuwonjezeka, koma chiwongoladzanja chonse chomwe mumalipira chidzachepa kwambiri.
3. Kuchotsa Private Mortgage Insurance (PMI): Ngati malipiro anu oyambirira pa ngongole yoyamba anali osakwana 20%, mungafunike kulipira inshuwalansi yachinsinsi.Komabe, ndalama zapanyumba zanu zikapitilira 20%, kubweza ndalama kungakuthandizeni kuchotsa inshuwaransi iyi, ndikupulumutsa ndalama.
4. Chiwongoladzanja Chokhazikika: Ngati muli ndi Adjustable Rate Mortgage (ARM), ndipo mukuyembekeza kuti chiwongoladzanja chikwere, mungafune kusinthana ndi ngongole yokhazikika kupyolera mu refinancing, izi zikhoza kukutsekerani mumtengo wotsika.
5. Kuphatikiza Ngongole: Ngati muli ndi ngongole zachiwongola dzanja chambiri monga ngongole za kirediti kadi, mungaganizire kugwiritsa ntchito ndalama zomwe mwapeza pobweza ngongoleyo kuti mulipire ngongolezo.Koma dziwani kuti kusunthaku kudzasintha ngongole zanu kukhala ngongole yanyumba;ngati simungathe kubweza pa nthawi yake, mukhoza kutaya nyumba yanu.

AAA LENDINGS ili ndi zinthu zina zomwe zimakwaniritsa zosowa zobweza ndalama:

HELOC- Short for Home Equity Line of Ngongole, ndi mtundu wangongole wothandizidwa ndi nyumba yanu (kusiyana pakati pa mtengo wamsika wanyumba yanu ndi ngongole yanu yomwe simunalipidwe).AHELOClili ngati khadi langongole, lomwe limakupatsani mzere wangongole womwe mungabwerekeko ngati mukufunikira, ndipo mumangofunika kulipira chiwongola dzanja pa ndalama zenizeni zomwe munabwereka.

Mapeto Otseka Chachiwiri (CES)- yomwe imadziwikanso kuti ngongole yachiwiri kapena yobwereketsa nyumba, ndi mtundu wa ngongole yomwe nyumba ya wobwereka imagwiritsidwa ntchito ngati chikole ndipo imakhala yachiwiri patsogolo pa yoyambirira, kapena yoyamba, yobwereketsa.Wobwereka amalandira ndalama imodzi yokha.Mosiyana ndi aHELOC, zomwe zimalola obwereketsa kuti azitenga ndalama ngati zikufunika mpaka pamlingo wokhazikika wangongole, aCESamapereka ndalama zokhazikika zoti zibwezedwe pa nthawi yoikika pa chiwongoladzanja chokhazikika.

Terms & Conditions of Refinancing
Terms ndi zikhalidwe refinancing n'kofunika kwambiri kwa eni nyumba monga kudziwa mtengo okwana ndi ubwino refinancing wanu.Choyamba, muyenera kuyang'ana ndikumvetsetsa chiwongoladzanja ndi Annual Percentage Rate (APR).APR imaphatikizapo kulipira chiwongoladzanja ndi ndalama zina monga ndalama zoyambira.

Chachiwiri, dziwani nthawi yobwereketsa.Ngongole zazifupi zitha kukhala ndi malipiro apamwamba pamwezi koma mumasunga zambiri pachiwongola dzanja.Kumbali ina, ngongole za nthawi yayitali, zimakhala ndi malipiro ochepa pamwezi koma chiwongoladzanja chonse chikhoza kukhala chokwera.Pomaliza, mvetsetsani zolipiritsa zam'tsogolo, monga chindapusa choyezera komanso chindapusa chokonzekera zolemba, chifukwa izi zitha kugwira ntchito mukakonzanso.

Zotsatira za Mortgage Default
Kulakwitsa ndi nkhani yaikulu ndipo iyenera kupeŵedwa ngati n'kotheka.Ngati simungathe kubweza ngongole yobwereketsa, mutha kukumana ndi zotsatirazi:

1. Kuwonongeka kwa Mangongole: Kusasinthitsa kungakhudze kwambiri chiwongoladzanja chanu, zomwe zingakhudze zomwe mudzafunsira mtsogolo.
2. Kubedwa: Ngati mupitiliza kubweza ngongole, banki ingasankhe kukulandani nyumba yanu ndikugulitsa nyumba yanu kuti ibweze ngongoleyo.
3. Nkhani zamalamulo: Mutha kuyimiliranso milandu chifukwa chakulephera.

Zonsezi, kubwereketsanso ngongole kungathe kubweretsa phindu linalake lazachuma kwa eni nyumba koma ndikofunikiranso kumvetsetsa kuopsa ndi maudindo omwe akukhudzidwa.Kudziwa kusunga ndalama, kufufuza mosamalitsa malamulo ndi mikhalidwe, ndi kumvetsa zotsatira za kusamvera n'kofunika kwambiri kuti tipange zosankha zanzeru.

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.