Urugo Ruringaniza Umurongo w'inguzanyo Ahari Guhitamo Byiza
05/12/2022
HELOC ni iki?
HELOC （Home Equity Line of Credit） yemerera abahawe inguzanyo kuguza inguzanyo bamaze kubaka murugo rwabo.
HELOC ifite porogaramu zitandukanye, zirimo amafaranga yo gusana amazu no gusana amazu kimwe nandi mafaranga menshi.Nubwo yemerera kuguriza byoroshye no kwishyura, birasaba kandi abahawe inguzanyo gukomeza guhanwa cyane mugihe cyo gufata amafaranga no kwishyura ababatiza.
H ow HELOC ikora?
Muburyo bworoshye, HELOC ikora gato nkikarita yinguzanyo.Abaguriza barashobora kuguza amafaranga kugeza ku ntera ntarengwa y'inguzanyo yashyizweho n'uwatanze inguzanyo hanyuma bakishyura amafaranga yatijwe n'inyungu.Ihitamo ryemerera guhinduka - abahawe inguzanyo barashobora no gukuramo no kwishyura buri munsi cyangwa buri cyumweru nibiba ngombwa.
HELOC akenshi irujuje ibisabwa kugirango umuntu yemererwe mugihe cyose abahawe inguzanyo bafite imigabane myinshi murugo rwabo, ariko kuguma hejuru yinyungu no kwishyura amafaranga y'ingenzi nibyingenzi kugirango uwagurijwe atishyura inguzanyo hanyuma atakaza inzu ye.
Nigute Abaguriza bakoresha amafaranga ya HELOC?
Niba abahawe inguzanyo bemerewe HELOC, abatanga inguzanyo barashobora kubemerera gukuramo amafaranga mugihe cyagenwe kizwi nkigihe cyo gukuramo.
Igihe cyo kuguza inguzanyo kirangiye, uwatanze inguzanyo arashobora kubareka bakavugurura umurongo w'inguzanyo.Niba atari byo, abahawe inguzanyo barashobora gukenera kwishyura amafaranga asigaye yose icyarimwe cyangwa mugihe runaka, aricyo gihe cyo kwishyura.
Nigute ushobora kubona HELOC?
Iyo usabye HELOC, biteganijwe ko uzishyura amadorari amagana kumafaranga yo gusuzuma, amafaranga yo gusaba, amafaranga yo gushakisha titre, nibindi.Rero, abahawe inguzanyo bagomba kumenya neza gufata inguzanyo nini ihagije kugirango bishyure ayo mafaranga yakoreshejwe mbere.
Nubwo bigenwa ahanini nagaciro kisoko ryamazu yabagurijwe namafaranga abahawe inguzanyo bagomba kwishyura.Kuba abahawe inguzanyo bafite umubare munini wimigabane murugo rwabo ntibisobanura ko bazabona inguzanyo nini kuko igipimo cyinguzanyo cya HELOC giterwa nibintu byinshi, harimo inguzanyo yabagurijwe hamwe n imyenda itishyuwe.
Niba abahawe inguzanyo bakeneye amafaranga arenze HELOC ishobora gutanga, birashobora kumvikana gufata inguzanyo idakoresha umutungo wurugo nkingwate.Ariko, niba abahawe inguzanyo batazi neza umubare w'amafaranga bazakenera, gufata HELOC nuburyo bworoshye bwo gukuramo amafaranga icyarimwe cyangwa rimwe na rimwe.
Muri rusange, HELOC irashobora kuba amahitamo meza kubaguriza mugihe inyungu yibicuruzwa byinshi muri rusange bizamuka.
Itangazo: Iyi ngingo yahinduwe na AAA LENDINGS;amwe mumashusho yakuwe kuri enterineti, umwanya wurubuga ntuhagarariwe kandi ntushobora gusubirwamo nta ruhushya.Hariho ingaruka ku isoko kandi ishoramari rigomba kwitonda.Iyi ngingo ntabwo igizwe ninama zishoramari kugiti cye, kandi ntizita ku ntego zihariye zishoramari, uko ubukungu bwifashe cyangwa ibikenerwa nabakoresha kugiti cyabo.Abakoresha bagomba gusuzuma niba ibitekerezo, ibitekerezo cyangwa imyanzuro ikubiye hano ihuye nibibazo byabo.Shora ukurikije ingaruka zawe.
Igihe cyo kohereza: Gicurasi-12-2022