reverse mortgage
Ukufaneleka kwi-mortgage ebuyela umva kunye neBhanki ye-Equitable isekelwe ubukhulu becala kuhlobo lwepropati, indawo, kunye neminyaka yomboleki. Siboleka kubaboleki abaneminyaka eyi-55 nangaphezulu abahlala kumaziko asezidolophini e-Alberta, eBritish Columbia, e-Ontario naseQuebec.
Imali eya kuthi iyiboleke i-Equitable Bank ixhomekeke kwizinto ezimbini. Enye, ubudala bomboleki. Kwaye okwesibini, ixabiso elilinganisiweyo lekhaya. Ababoleki ngoku banokufikelela ukuya kuthi ga kwi-55% yexabiso lekhaya labo. Ikhaltyhuleyitha yethu yokufaneleka ikunceda ukubala imali onokuthi uyifanele.
Unokuthatha imali ye-mortgage yangaphambili njenge-advance-time-ad (intlawulo ephantsi). Unokufumana kwakhona isixa esikhulu ngaphambili (ubuncinci bemali ye-25.000 yeedola) kunye nezinye iimali ngendlela yexesha elinye kunye / okanye i-advanced ecwangcisiweyo ephindaphindiweyo kwiminyaka emininzi.
Ngexesha lokufaka isicelo okanye ngexesha lokuphila kwe-mortgage ebuyayo, sinokufuna ukubanjwa ukuhlawulela ukulungiswa kwekhaya ukuba iintsilelo zinokuchaphazela ukuhlala okanye zibenakho ukuchaphazela ixabiso lexesha elizayo lekhaya. Sinokufuna ukubanjwa ukuba kukho amatyala asemva kwiirhafu okanye kwi-condo.
Indlela yokufumana imali mboleko ngaphandle kokungena eCanada
Kweli nqaku, siza kujonga ezinye iindlela onokukhetha kuzo xa ufuna ukuthenga ikhaya ngaphandle kwentlawulo. Siza kukubonisa ezinye iindlela zokusebenzisa imali mboleko ephantsi, kunye nento onokuyenza ukuba unamanqaku asezantsi etyala.
Njengoko igama libonisa, i-mortgage engahlawulwanga yimali mboleko yendlu onokuyifumana ngaphandle kwentlawulo. Intlawulo ephantsi yintlawulo yokuqala eyenziwa kwikhaya kwaye kufuneka yenziwe ngexesha lokuvalwa kwe-mortgage loan. Ababolekisi ngokuqhelekileyo babala intlawulo ephantsi njengepesenti yemali mboleko iyonke.
Umzekelo, ukuba uthenga indlu nge-200.000 yeedola kwaye ube ne-20% yentlawulo ephantsi, uya kufaka i-40.000 yeedola xa uvala. Ababolekisi bafuna intlawulo ephantsi kuba, ngokwethiyori, unqabile ukusilela kwimali-mboleko ukuba unotyalo-mali lokuqala kwikhaya lakho. Intlawulo ephantsi ngumqobo omkhulu kubathengi abaninzi bezindlu, njengoko kunokuthatha iminyaka ukugcina isixa semali.
Ekuphela kwendlela yokufumana imali-mboleko ngokusebenzisa ii-brortgage brokers ezinkulu ngaphandle kwentlawulo ephantsi kukuthatha imali-mboleko exhaswa ngurhulumente. Iimali-mboleko ezixhaswa ngurhulumente zikhuselwe ngurhulumente womanyano. Ngamanye amazwi, urhulumente (kunye nombolekisi wakho) unceda unyawo lwetyala ukuba awusileli kwimali mboleko yakho.
imali entsha yaseMelika
Amanqaku etyala lomfaki-sicelo wemali-mboleko, ukulingana okupheleleyo kunye nentlawulo ephantsi zikwayinkqubo ephambili ethathelwa ingqalelo ngababolekisi, kodwa "ababoleki bafuna uhlobo oluthile lwengeniso ukuze baphumelele inkqubo yokubhala phantsi kombolekisi," utshilo uGuy Cecala. , I-CEO kunye nompapashi we-Inside Mortgage Finance. . "Awukwazi nje ukuthi, 'andinawo nawuphi na umthombo wengeniso kwaye ndifuna ukuthenga indlu,' kuba akukho mboleki uya kukunika mboleko.
Enye indlela yokufaneleka kwi-mortgage ngaphandle komsebenzi kukuba nomntu osayina kunye ne-mortgage co-signer, njengomzali okanye iqabane, osebenzayo okanye onenetha ephezulu. Umntu osayinayo utyikitya imali yakho yokubambisa ukuze wongeze ukhuseleko lomvuzo wakho kunye nembali yetyala kwimali-mboleko. Ngokusisiseko, ukuba awukwazi ukwenza iintlawulo zakho zokubambisa, umtyikityi wakho uya kubakhathalela.
Ukuba ufumana isixa esibalulekileyo semali nyanga nganye kwizabelo zesitokhwe, inzuzo eyinkunzi, okanye olunye utyalo-mali, unokuvunyelwa ukuba ubolekwe. Isilumkiso esinye: Imali-mboleko evunyiweyo esekwe kwingeniso yotyalo-mali ikholisa ukuba nenzala ephezulu, utshilo uTodd Sheinin, igosa lemali-mboleko eHomespire Mortgage eGaithersburg, eMaryland.
Umthengi wasekhaya okokuqala ngaphandle kwentlawulo
Kweli nqaku, siza kujonga ezinye iindlela onokukhetha kuzo xa ufuna ukuthenga ikhaya ngaphandle kwentlawulo. Siza kukubonisa ezinye iindlela zokubolekwa imali ephantsi, kunye nento onokuyenza ukuba unamanqaku asezantsi etyala.
Njengoko igama libonisa, i-mortgage engahlawulwanga yimali mboleko yendlu onokuyifumana ngaphandle kwentlawulo. Intlawulo ephantsi yintlawulo yokuqala eyenziwa kwikhaya kwaye kufuneka yenziwe ngexesha lokuvalwa kwe-mortgage loan. Ababolekisi ngokuqhelekileyo babala intlawulo ephantsi njengepesenti yemali mboleko iyonke.
Umzekelo, ukuba uthenga indlu nge-200.000 yeedola kwaye ube ne-20% yentlawulo ephantsi, uya kufaka i-40.000 yeedola xa uvala. Ababolekisi bafuna intlawulo ephantsi kuba, ngokwethiyori, unqabile ukusilela kwimali-mboleko ukuba unotyalo-mali lokuqala kwikhaya lakho. Intlawulo ephantsi ngumqobo omkhulu kubathengi abaninzi bezindlu, njengoko kunokuthatha iminyaka ukugcina isixa semali.
Ekuphela kwendlela yokufumana imali-mboleko ngokusebenzisa ii-brortgage brokers ezinkulu ngaphandle kwentlawulo ephantsi kukuthatha imali-mboleko exhaswa ngurhulumente. Iimali-mboleko ezixhaswa ngurhulumente zikhuselwe ngurhulumente womanyano. Ngamanye amazwi, urhulumente (kunye nombolekisi wakho) unceda unyawo lwetyala ukuba awusileli kwimali mboleko yakho.
