Ngaba ungancama i-reverse mortgage?
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezibali zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
reverse mortgage calculator
I-reverse mortgage yimveliso yetyala evumela ababoleki abaneminyaka engama-62 ubudala nangaphezulu ukuba bathathe imali-mboleko ye-equity yendlu ngaphandle kokwenza iintlawulo de lowo ubolekayo kunye nabalingane abangabolekiyo baphume ekhaya. Sisixhobo esiluncedo kubaninimzi abanemali eyoneleyo yomhlalaphantsi ejonge ukongeza iminyaka yabo yegolide kwaye bahlale kumakhaya abo kwinkqubo.
Kodwa kanye ingakanani iequity ekufuneka ubenayo kwikhaya lakho ukuze ukwazi ukufumana i-reverse mortgage? Ingakanani imali-mboleko yokubuyisela umva xa ithelekiswa nezinye iindlela mboleko? Oku kufuneka ukwazi.
I-reverse mortgage yimali-mboleko esebenzisa ikhaya lakho njengesibambiso. Enyanisweni, kukho iindlela ezahlukeneyo zokubolekwa kwemali ezinokuthathwa njenge "reverse mortgage." Eyona nto idume kakhulu yi-Home Equity Conversion Mortgage, okanye i-HECM, ekhuselwe yi-inshurensi yeSebe leZindlu kunye noPhuhliso lweDolophu yase-US (HUD). Ukuze kube lula, siya kugxininisa kwi-HECMs.
Mhlawumbi eyona nto inomtsalane kwimali ebolekwayo kukuba imali-mboleko akufuneki ihlawulwe de lowo ubolekwayo neqabane labo elingabolekiyo bafe, bayithengisile loo ndlu, okanye bayifuduke. Imali-mboleko ihlawulwa ngokukhawuleza emva kokuba le miqathango ifezekisiwe kwaye idla ngokuhlawulwa kunye nengeniso yentengiso yekhaya.
Kwenzeka ntoni ukuba uzuze ilifa lendlu nge-mortgage ebuyayo?
Ngelizwi nje, i-mortgage ebuyayo yimali-mboleko. Umnini-ndlu oneminyaka engama-62 ubudala okanye ngaphezulu onobulungisa obubonakalayo bekhaya unokuthatha imali mboleko yezindlu kwaye afumane imali ngendlela yesixa-mali, intlawulo yenyanga emiselweyo, okanye umgca wekhredithi. Ngokungafaniyo ne-term mortgages, esetyenziselwa ukuthenga ikhaya, ukubuyisela imali yokubolekwa kwemali ayifuni ukuba umninimzi enze nayiphi na intlawulo yemboleko.
Kunoko, yonke ibhalansi yemali mboleko, ukuya kumda, ifanele kwaye ihlawulwe xa umboleki efa, ehamba ngokusisigxina, okanye ethengisa ikhaya. Imimiselo ye-Federal ifuna ababolekisi ukuba bahlele ukuthengiselana ukuze isixa semali mboleko singadluli ixabiso lekhaya. Nokuba kunjalo, ngokuhla kwexabiso lemarike yendlu okanye ukuba lowo ubolekayo uhlala ixesha elide kunokuba ebelindelekile, lowo ubolekayo okanye ilifa lomboleki aliyi kuba noxanduva lokuhlawula umbolekisi umahluko ngenxa ye-inshurensi yokubambisa.
Iimali-mboleko ezibuyela umva zinokubonelela ngemali efuneka kakhulu kubantu abadala, abaxabiso labo libotshelelwa ikakhulu kwixabiso lendlu yabo: ixabiso lemarike yendlu yabo lithatyathwe isixa sayo nayiphi na imali-mboleko eseleyo. Nangona kunjalo, ezi mboleko zinokubiza kwaye zibe nzima, kwaye zixhomekeke kubuqhophololo. Eli nqaku liza kukufundisa indlela i-reverse mortgages esebenza ngayo kunye nendlela yokuzikhusela kwimigibe, ngoko unokwenza isigqibo esinolwazi malunga nokuba olu hlobo lwemali mboleko lunokulungela wena okanye othandekayo.
Ngaba i-mortgage ebuyela umva inokukhutshelwa?
Ukuba uneminyaka emi-5 ubudala, umntu ebezalisa oko ngokuqinisekisa ngobuxoki ukuba abanini bokuqala bebesahlala apho kwaye bayibuyisela kumbolekisi ukuze aqhathe umbolekisi ngemali yenkqubo yemali mboleko ye-inshorensi. Ukuba umbolekisi wayesandula ukufumanisa ukuba ababoleki abasahlali kwikhaya, kwakunokuthi kubizwe imali-mboleko edlulileyo, ukunyanzela abanini bangoku ukuba bathengise ikhaya okanye babuyisele isibophelelo ukuba bafuna ukugcina ipropati. Kodwa umbuzo wakho ngowokuba ngubani owenze isigqibo sokukugxotha kwaye kutheni, ndiyacinga.
Nangona kunjalo, umngcipheko obalekayo kukuba umbolekisi ukhetha loo nyanga ukuba uhlole indawo yokuhlala kwaye abaqeshi bakho baxelele umntu onkqonkqoza emnyango ukuba enze olo hlolo ngelixa ungekho ukuba urenta indlu kuwe.
Ngaba umbolekisi angafumanisa ukuba urenta le ndlu kangangeentsuku ezingama-30 ngonyaka kubantu obaziyo? Mhlawumbi akunjalo, kodwa ngokuqinisekileyo andinakwenza eso sithembiso kwaye isivumelwano sesokuba awuyi kuyisebenzisa le ndlu xa uyirenta.
