reverse mortgage
Kufanirwa kwereverse mortgage neEquitable Bank kunonyanya kuenderana nerudzi rwechivakwa, nzvimbo, uye zera remukwereti. Isu tinokweretesa kune vanokwereta vane makore makumi mashanu nemashanu zvichikwira vanogara mumaguta muAlberta, British Columbia, Ontario neQuebec.
Mari ichakwereteswa neEquitable Bank inoenderana nezvinhu zviviri. Imwe, zera remukwereti. Uye chechipiri, kukosha kwakayerwa kwemba. Vanokwereta vanokwanisa kuwana kusvika ku55% yekukosha kwemba yavo. Yedu yekukodzera Calculator inokubatsira kuverenga iyo mari yaungakodzera.
Iwe unogona kutora iyo yepamberi yemortgage inoenderera seye-nguva yepamberi (mubhadharo wepasi). Iwe unogona zvakare kugashira yakawandisa kumberi (rishoma mari inosvika zviuru makumi maviri nezvishanu zvemadhora) uye imwe mari yese nenzira yekufambira mberi kwekamwe chete uye/kana kudzokororwa kwakarongwa kufambira mberi kwemakore akati wandei.
Panguva yekunyorera kana mukati mehupenyu hwereverse remba, tingangoda kunyimwa kuti tivhare gadziriso yemba kana kushomeka kuchikanganisa kugarika kana kuve nekukanganisa kukosha kweramangwana remba. Isu tinogona zvakare kuda kuvharirwa kana paine zvikwereti pamitero kana condo.
Nzira yekuwana sei chikwereti pasina kupinda muCanada
Muchinyorwa chino, tichatarisa dzimwe sarudzo dzauinadzo kana wada kutenga imba isina muripo. Tichakuratidzawo dzimwe nzira dzekubhadhara zvikwereti zvakaderera, pamwe nezvaunogona kuita kana uine chikwereti chakaderera.
Sezvinoratidzwa nezita racho, mari yekubhadhara chikwereti cheimba yaunogona kuwana pasina kubhadhara. Kubhadhara kwekutanga ndiko kubhadhara kwekutanga kunoitwa pamba uye kunofanirwa kuitwa panguva yekuvharwa kwechikwereti chemba. Vanokweretesa vanowanzoverenga kubhadhara kwakaderera sechikamu chemari yese yechikwereti.
Semuenzaniso, kana ukatenga imba ne $200.000 uye uine 20% yekubhadhara pasi, iwe unopa $40.000 pakuvhara. Vanokweretesa vanoda mubhadharo wepasi nekuti, zvinoenderana nedzidziso, unozeza kutadza kubhadhara chikwereti kana uine yekutanga investimendi mumba mako. Kubhadhara kwepasi ndicho chipingamupinyi chikuru kune vazhinji vanotenga dzimba, sezvo zvinogona kutora makore kuchengetedza mari yakawanda.
Nzira chete yekuwana mbanje kuburikidza nevakuru vemortgage broker pasina kubhadhara ndeyekutora chikwereti chinotsigirwa nehurumende. Zvikwereti zvinotsigirwa nehurumende zvinopihwa inishuwarenzi nehurumende yemubatanidzwa. Mune mamwe mazwi, hurumende (pamwe nemukweretesi wako) inobatsira kutsika bhiri kana ukatadza kubhadhara chikwereti chako.
new American financing
Chikwereti chemukwereti wemukwereti, huwandu hwakazara uye kubhadhara pasi zvakare maitiro akakosha ayo vanokweretesa vanotarisisa, asi "vanokwereta vanoda imwe nzira yekuwana mari kuti vakwanise kunyora pasi pemukweretesi," anodaro Guy Cecala. , CEO uye muparidzi weInside Mortgage Finance. . "Iwe haugone kungoti, 'Ini handina kwandinowana mari uye ndinoda kutenga imba,' nekuti hapana mukweretesi anokupa chikwereti."
Imwe nzira yekukodzera kuwana imba yemba pasina basa ndeyekuva neanosaina wemongi, akadai semubereki kana murume kana mukadzi, anoshanda kana ane mambure akakwirira. Mumwe anosaina anosaina chikwereti chako kuti uwedzere kuchengetedzeka kwemari yako uye nhoroondo yechikwereti kune chikwereti. Chaizvoizvo, kana iwe usingakwanise kuita yako yekubhadhara imba, wako co-signer achavachengeta.
Kana iwe ukagamuchira mari yakawanda mwedzi wega wega kubva kune stock dividends, capital gains, kana mamwe mainvestries, unogona kubvumidzwa kubhadhara imba. Imwe caveat: Zvikwereti zvinotenderwa zvichibva pamari yekudyara zvinowanzova nemitengo yakakwira, anodaro Todd Sheinin, mukuru wechikwereti kuHomespire Mortgage muGaithersburg, Maryland.
Kekutanga mutengi wemba pasina kubhadhara
Muchinyorwa chino, tichatarisa dzimwe sarudzo dzauinadzo kana wada kutenga imba isina muripo. Tichakuratidzawo dzimwe nzira dzekukwereta dzakaderera, pamwe nezvaungaita kana uine chibodzwa chechikwereti chakaderera.
Sezvinoratidzwa nezita racho, mari yekubhadhara chikwereti cheimba yaunogona kuwana pasina kubhadhara. Kubhadhara kwekutanga ndiko kubhadhara kwekutanga kunoitwa pamba uye kunofanirwa kuitwa panguva yekuvharwa kwechikwereti chemba. Vanokweretesa vanowanzoverenga kubhadhara kwakaderera sechikamu chemari yese yechikwereti.
Semuenzaniso, kana ukatenga imba ne $200.000 uye uine 20% yekubhadhara pasi, iwe unopa $40.000 pakuvhara. Vanokweretesa vanoda mubhadharo wepasi nekuti, zvinoenderana nedzidziso, unozeza kutadza kubhadhara chikwereti kana uine yekutanga investimendi mumba mako. Kubhadhara kwepasi ndicho chipingamupinyi chikuru kune vazhinji vanotenga dzimba, sezvo zvinogona kutora makore kuchengetedza mari yakawanda.
Nzira chete yekuwana mbanje kuburikidza nevakuru vemortgage broker pasina kubhadhara ndeyekutora chikwereti chinotsigirwa nehurumende. Zvikwereti zvinotsigirwa nehurumende zvinopihwa inishuwarenzi nehurumende yemubatanidzwa. Mune mamwe mazwi, hurumende (pamwe nemukweretesi wako) inobatsira kutsika bhiri kana ukatadza kubhadhara chikwereti chako.
