Ngaba i-mortgage yekhaya iyaxolelwa xa umntu efile?
Ukuziqhelanisa nobomi emva kokusweleka kweqabane okanye iqabane lakho akukho lula. Phakathi kweentlungu kunye nazo zonke izinto oziva uxanduva ngokukhawuleza, kunokuziva kunzima. Ukukunceda uhlangabezane nale meko intsha, fumana ezinye zeemali ezibalulekileyo ekuya kufuneka ucinge ngazo kwaye uzilawule.
Ukuba iqabane lakho elingasekhoyo liwaphethe amatyala, kubalulekile ukuba uwuthathe ngokukhawuleza lo msebenzi. Kungenjalo, unokuzifumana unamaxabiso aphezulu okuhlawula kade, okanye ukuqokelelwa kwamatyala ngenxa yokungahlawuli.
Ngokuqhelekileyo, i-mortgage yenye yamatyala okuqala ahlawulwa kunye nelifa. Okanye i-inshurensi yobomi okanye ukukhuselwa kwentlawulo yokubambisa enokuthi iqabane lakho linekhontrakthi xa kusayinwa i-mortgage.
Yintoni iindlalifa kufuneka zazi malunga mboleko reverse xa
Abanini bezindlu abaneminyaka engama-62 nangaphezulu banokusebenzisa i-mortgage ebuyela umva ukwakha ubulungisa kwikhaya labo ngaphandle kokuyithengisa okanye ukwenza iintlawulo zenyanga. Umbolekisi unyusa ixabiso lendlu yakho, akuhlawule ngesixa, iintlawulo zenyanga, okanye umgca wetyala. Ngexesha lemali-mboleko, ityala liyanda, ixabiso lendlu liyancipha, kwaye inzala kunye neentlawulo ziyanda.
Ngokungafaniyo nesiqhelo (okanye ixesha) lokuboleka imali, imali-mboleko ayifanelekanga de uthengise indlu, uhambe, ubuyele ngasemva kwiindleko zepropati, okanye ufe. Ukuba iqabane lakho liyafa nge-reverse mortgage, amanyathelo alandelayo aya kuxhomekeka ekubeni ungumboleki-mali mboleko okanye iqabane elivumelekileyo okanye elingabolekiyo.
Phantse zonke iimali zokubolekwa kwemali ezibuyiselwayo ziyi-Home Equity Conversion Mortgages (HECMs), i-insured yi-Federal Housing Administration (FHA) kwaye inikezelwa ngababolekisi be-FHA-backed. Imigaqo echazwe apha isebenza kwii-HECM, ngoko ke ukuba unolunye uhlobo lwemali mboleko, olu khuseleko alunakusebenza. Hlaziya isivumelwano sakho semali-mboleko kwaye udibane negqwetha elinamava ukuba unayo nayiphi na imibuzo okanye izinto ezikuxhalabisayo.
Kwenzeka ntoni kwityala lakho xa usweleka?
Ngenxa yokuba ilizwe ngalinye linemigaqo eyahlukeneyo malunga nendlela isihloko esigqithiselwa ngayo, nokuba kungentando okanye ngokuvavanywa kwetyala, kubalulekile ukuba uthethe negqwetha kwaye umisele imithetho yelizwe lakho kunye nento omawuyenze ngokusekelwe kwindlela ofuna ukuba ibe yiyo.umlandeli wakhe. uphethe isihloko.
Ukuba uneqabane elisaphilayo, umthetho we-federal ikuvumela ukuba uthathe imali-mboleko, kunokuba uhlawule ibhalansi epheleleyo kwinkampani ye-mortgage, ukuba nje unokungqina amandla akho emali kunye nokufaneleka kwetyala.
Iindlalifa zezo zinokufumana imali ngenxa yentando, kodwa zingenagunya kwilifa okanye ukuthengiswa kwempahla. Aba bantu badla ngokuba ngamalungu osapho okanye umntu umxhasi ebedweliswe njengabaxhamli kumyolelo.
Umabi wamafa umiselwa ukuba alawule ilifa aze aqinisekise ukuba onke amabango ahlawulwa yaye naziphi na izinto eziseleyo ziya kwiindlalifa. Ngenxa yegunya analo umabi welifa, unokubonisana nendlalifa malunga nelifa okanye ukuthengiswa kwempahla, kodwa akanyanzelekanga ukuba enjenjalo. Umabi wamafa unegunya lokugqibela lokwenza izigqibo zokugqibela ngokuphathelele ilifa.
kwenzeka ntoni kwindlu yakho xa usweleka
Ukuqonda okwenzekayo kumatyala akho xa usweleka yinxalenye ebalulekileyo yocwangciso lwezindlu, kwaye akunyanzelekanga ukuba ube sisityebi ukuze ube nelifa. Yonke into onayo netyalayo lilifa lakho. Kubantu abaninzi, oko kubandakanya indlu ene-mortgage.
Ityala eliphakathi elinxulumene nekhaya lomboleki oneminyaka engama-65 ukuya kwengama-74 ubudala onemali mboleko yokuqala, imali mboleko yendlu, kunye / okanye umgca wetyala letyala laliyi-100.000, 2019 yeedola, ngokoVavanyo lweZindlu lwaseMelika. I-United States Census Bureau ngo-75 , iziphumo ezifumanekayo zakutsha nje. Kubanikazi bezindlu abaneminyaka engama-75.000 ubudala nangaphezulu, yayiyi-$ XNUMX.
Imithetho karhulumente kunye ne-federal imisela ukuba kwenzeka ntoni kwikhaya kunye ne-mortgage xa umniniyo esifa. Umniniyo naye unelizwi, okoko nje esenza ucwangciso olusisiseko lwezindlu, njengokwenza umyolelo okanye ithemba, ukutyumba abaxhamli, kunye nokuthenga ipolisi ye-inshorensi yobomi.
Xa usifa, onke amatyala akho kunye ne-asethi - kubandakanywa nendlu - iba yinxalenye yelifa lakho, ekufuneka umntu elihluthile. Inxalenye ebalulekileyo yale nkqubo kukuthatha uluhlu lwento yonke onayo kwaye unqume kwangaphambili ukuba ngubani ofumana ntoni phakathi kweendlalifa kunye nababolekisi.
