15/11/2023

Intangiriro kuri HELOC

MURAHO, izwi kandi ku izina rya Home Equity Line of Credit, ni ubwoko bw'inguzanyo yemerera ba nyir'inzu kuguza amafaranga ku nyungu bakusanyije mu mutungo wabo.Numurongo uzenguruka w'inguzanyo, bivuze ko ikora kimwe n'ikarita y'inguzanyo: abahawe inguzanyo bahabwa urugero ntarengwa bashobora gukuramo, kandi barashobora gukuramo amafaranga nkuko bikenewe kugeza igihe ntarengwa kigeze.

Ibintu by'ingenzi bigize aMURAHOharimo:

1. Inguzanyo yatanzwe:
   HELOC (Home Equity Line of Credit) itangwa n'inzu y'uguriza, ikayigira inguzanyo.Niba uwagurijwe atubahirije HELOC, uwatanze inguzanyo arashobora kwaka urugo kugirango yishyure igishoro cyabo.
2. Ibisabwa bingana:
   Kugira ngo wemererwe HELOC (Home Equity Line of Credit), abafite amazu mubisanzwe bakeneye kugira umubare munini wimigabane murugo rwabo.Kuringaniza ni itandukaniro riri hagati yibyo inzu yawe ifite agaciro nuburinganire busigaye bwinguzanyo zose kumitungo, nkinguzanyo cyangwa izindi nguzanyo.
3. Imiterere y'inguzanyo:
   HELOCs isanzwe ifite igihe cyo gushushanya, akenshi imyaka 5-10, mugihe uwagurijwe ashobora kubona amafaranga.Nyuma yigihe cyo gushushanya, HELOCs zimwe zishobora kwemerera kongererwa igihe, cyangwa zikinjira mugihe cyo kwishyura aho nta nguzanyo nshya yemerewe, kandi amafaranga asigaye agomba kwishyurwa mugihe cyagenwe.

Ihinduka rya HELOC

Kimwe mu byiza byingenzi bya aMURAHO(Home Equity Line of Credit) nuburyo bworoshye.Abafite amazu barashobora gukoresha amafaranga aboneka mubikorwa bitandukanye, harimo guteza imbere urugo, guhuriza hamwe imyenda, cyangwa kwishyura amafaranga yihutirwa.Bitandukanye nubundi buryo bwo kuguza, aho intego yinguzanyo ishobora kugabanywa, HELOC iguha umudendezo wo gukoresha amafaranga aho ikenewe cyane.

Gusobanukirwa Ikiguzi: Ntamafaranga Yabatanga

Amafaranga y'inguzanyo mu rwego rw'inguzanyo akubiyemo amafaranga atandukanye ikigo gitanga inguzanyo gishobora gusaba uwagurijwe gutunganya no gutera inkunga inguzanyo.Nka:

1. Amafaranga yinkomoko: Aya ni amwe mumafaranga yambere yo gutanga inguzanyo kandi yishyurwa nuwatanze inguzanyo yo gushiraho inguzanyo.Akenshi ikubiyemo ikiguzi cyo gutunganya inguzanyo, kwandika, no gutangiza inguzanyo.
2. Amafaranga yo gusaba: Amafaranga yishyurwa kugirango yishyure ikiguzi cyambere cyo gusaba, harimo cheque yinguzanyo hamwe nubuyobozi.
3. Amafaranga yo Kwandika: Amafaranga yo kwishura yishyura uwagurijwe inzira yo gusuzuma no kugenzura ibyifuzo byinguzanyo hamwe namakuru yimari yuwagurijwe namateka yinguzanyo.

n'ibindi…

Kubwamahirwe, Prime yacuMURAHO(Home Equity Line of Credit) amahitamo azana ubujurire ntamafaranga yo gutanga inguzanyo.Ibi bivuze ko uwagurijwe atishyurwa amafaranga yinyongera nuwatanze inguzanyo yo gushyiraho umurongo winguzanyo, bigatumaMURAHO MURAHOigikoresho cyiza cyane cyamafaranga kubashaka kugabanya amafaranga baguza.

Inyungu y'amafaranga make yumwaka

Amafaranga yumwaka, ni amafaranga yishyurwa nuwatanze inguzanyo buri mwaka mugihe cyigihe cyinguzanyo cyangwa mugihe cyagenwe gisobanurwa mugihe cyinguzanyo.Aya mafranga ni ayo korohereza kubona uyu murongo w'inguzanyo kandi ubusanzwe yishyurwa buri mwaka ku isabukuru yo gufungura konti.Iyindi nyungu zingenzi zamafaranga yo guhitamo HELOC (Home Equity Line of Credit) nubushobozi bwamafaranga make yumwaka.IwacuMURAHO MURAHOkwishyuza buri mwaka $ 75, bisa n'ikarita y'inguzanyo.Nyamara, aya mafaranga mubisanzwe ni make ugereranije nayandi mafranga yinguzanyo, bigatuma HELOC ihitamo neza mugutegura igihe kirekire.Nibyingenzi kubasaba inguzanyo kubona ibicuruzwa bya HELOC bitanga amafaranga make ashoboka yumwaka kugirango barusheho kuzigama.

Umwanzuro: Inzira yubwenge yo guhuza imari

Mu gusoza, Urugo Ruringaniza Inguzanyo rushobora kuba igikoresho cyiza cyimari kubafite amazu bifuza kwishora mumitungo yabo.Hamwe n'ubushobozi bwo kutatanga inguzanyo n'amafaranga make yumwaka, aMURAHO MURAHOitanga urwego rwo guhinduka no gukoresha neza-bigoye gutsinda hamwe nandi mahitamo yo kuguza.Kimwe nibicuruzwa byose byimari, ni ngombwa gukora ubushakashatsi bunoze no gusuzuma inzira zose zishoboka mbere yo kwiyemeza HELOC Prime kugirango urebe ko ihuye nintego zawe zamafaranga.

Ibyerekeye Inguzanyo za AAA

Ryashinzwe mu 2007, AAA Inguzanyo yabaye umuyobozi wambere utanga inguzanyo hamwe nimyaka irenga 15 yuburambe.Ibuye ryibanze ritanga serivisi ntagereranywa no kwizerwa, byemeza ko abakiriya bacu banyuzwe cyane.

Inzobere muburyo butandukanye bwibicuruzwa bitari QM-harimoNta Doc Nta nguzanyo, Kwitegura wenyine P&L, WVOE, DSCR, Amatangazo ya Banki, Jumbo, MURAHO, Funga Iherezo rya kabirigahunda-tuyobora mu isoko ryinguzanyo 'Non-QM'.Twumva ingorane zo kubona inguzanyo kandi dufite 'Inguzanyo ya Arsenal' itandukanye kugirango duhangane nibi bibazo.Kwinjira kwambere mumasoko Atari QM byaduhaye ubuhanga budasanzwe.Imbaraga zacu zo gukora umurimo w'ubupayiniya bivuze ko twumva ibyo ukeneye mu buryo butandukanye.Hamwe n'inguzanyo ya AAA, kugera ku ntego zawe zamafaranga biroroshye kandi birashoboka.

Twafashije imiryango igera ku 50.000 gusohoza inzozi zabo zamafaranga, hamwe ninguzanyo yatanzwe irenga miliyari 20 z'amadolari.Kuba duhari cyane ahantu h'ingenzi nka AZ, CA, DC, FL, NV, na TX bidufasha gukora demokarasi yagutse.

Hamwe nabakozi barenga 100 biyeguriye hamwe nitsinda ryandika hamwe nitsinda ryisuzuma, turemeza ko inzira yinguzanyo yoroshye kandi idafite ibibazo.

Video:HELOC: Uburyo bwiza bwo gutera inkunga abafite amazu

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.