Kutsegula Equity Yanyumba Ndi Ngongole Yachiwiri Yotsekedwa

Kukhala ndi nyumba kumapereka zambiri osati malo okhala - ndi chuma chomwe chingatsegule mipata kudzera mu ndalama zoyendetsera ndalama. Chida chimodzi champhamvu cholowera chuma ichi ndi Chotseka-Mapetongongole yachiwiri(CES), yomwe nthawi zambiri imatchedwa Ngongole Yanyumba Yanyumba kapena Second Mortgage. Ngongole yamtunduwu imalola eni nyumba kubwereketsa ndalama zolipirira nyumba zawo, zomwe zimathandizira kusinthasintha kwa zolinga monga kukonza ndalama zolipirira nyumba kapena kuphatikiza ngongole. M'nkhaniyi, tiwona momwe CES imagwirira ntchito komanso chifukwa chake ndi chisankho chabwino kwa ambiri.

Ngongole Yachiwiri Yotsekedwa ndi ngongole yokhazikika yomwe imapereka ndalama patsogolo, kubwezeredwa pakanthawi yokhazikitsidwa, nthawi zambiri zaka 5 mpaka 30. Mosiyana ndi njira yobwereketsa yangongole, CES simaloleza kubwereketsa kowonjezera ngongole ikangoperekedwa, zomwe zimapangitsa kuti zikhale zoyenera kuwononga nthawi imodzi. Mwachitsanzo, ngati mukukonzekera kukonzanso khitchini yayikulu, ndalama zowongolera nyumba kudzera mu CES zitha kulipira ndalama popanda kusokonezaPulayimalengongole yanyumba. Mofananamo, ngongole yophatikiza ngongole pogwiritsa ntchito CES ingaphatikize masikelo a makhadi angongole a chiwongola dzanja chachikulu kukhala malipiro amodzi, otsika, kupulumutsa masauzande ambiri pakapita nthawi.

Kuti ayenerere Ngongole Yogulitsa Nyumba, obwereketsa nthawi zambiri amafuna chitsimikiziro chonse cha doc, kuphatikizapo ndondomeko za ndalama, kubwezeredwa kwa msonkho, ndi ngongole za ngongole zomwe zimakhala pamwamba pa 620. Komabe, njira zina za doc zikuwonekera, zomwe zimalola obwereka okha kapena omwe alibe ndalama zachikhalidwe kuti ayenerere ndi ndondomeko za banki kapena umboni wina. Kusinthasintha uku kumapangitsa kuti ndalama za equity zitheke kupezeka kwa eni nyumba ambiri. Obwereketsa amawunikanso kuchuluka kwa ngongole yanyumba yanu (LTV), nthawi zambiri kubwereketsa pa 80-90% ya ndalama zomwe zilipo.

Mtundu umodzi wapadera wa CES ndi CES yoyima yokha, yomwe imagwira ntchito mopanda ngongole yanu yoyamba. Mosiyana ndi ngongole ya piggyback - yomwe nthawi zambiri imagwiritsidwa ntchito kupewa inshuwaransi yanyumba (PMI) pogawaniza ndalama pogula - CES yodziyimira yokha imatengedwa pambuyo pake, ndikupereka ndalama pazosowa zina. Mwachitsanzo, mwini nyumba angagwiritse ntchito Second Mortgage kuti apereke ndalama zothandizira mwana ku koleji, kubweza ngongole popanda kubweza ngongole yawo yotsika mtengo.

Ubwino wa Ngongole Yachiwiri Yotsekedwa ndi zomveka bwino: zolipirira zodziwikiratu, mitengo yopikisana poyerekeza ndi makhadi a ngongole, komanso kuthekera koyika ndalama m'nyumba mwanu kapena tsogolo lazachuma. Komabe, kubwereketsa nyumba yanu kumakhala ndi zoopsa, chifukwa kusakhulupirika kungayambitse kutsekedwa. Musanalembe, werengerani ndalama zanu pochotsa ndalama zomwe mwapeza panyumba yanu ndikuwonetsetsa kuti ngongoleyo ikugwirizana ndi bajeti yanu.

Mwachidule, CES imapereka njira yokhazikika yopezera ndalama zoyendetsera nyumba, kuphatikiza ngongole, kapena zolinga zina. Kaya mumasankha zolemba zonse za doc kapena zolemba zina, Second Mortgage iyi ikhoza kukhala yosinthira masewera ikagwiritsidwa ntchito mwanzeru. Nthawi zonse yerekezerani obwereketsa kuti muteteze mawu abwino ndikuteteza mtengo wanyumba yanu.