12/05/2023

Intangiriro

Urugo Ruringaniza Inguzanyo (HELOC)yahindutse uburyo buzwi bwo gutera inkunga ba nyiri amazu bashaka gukanda muburinganire bwamazu yabo.Mugihe itanga ihinduka ninyungu ntoya, abantu benshi baracyafite ibibazo bijyanye nibiranga, cyane cyane nta ngingo y'ibihano byishyuwe mbere hamwe nigiciro gito cyo gufunga.Muri iyi ngingo, tuzatanga ibisubizo birambuye kubibazo bikunze kubazwa kuri HELOC kandi tugufashe gufata icyemezo kiboneye.

HELOC ni iki?

Mbere yo kwibira muri nitty-gritty yaMURAHO, reka tubanze dusobanure icyo aricyo.Umurongo w'inguzanyo yo munzu ni ubwoko bwinguzanyo izenguruka ituma ba nyiri amazu baguza inguzanyo ziboneka murugo rwabo.Umubare w'inguzanyo usanzwe ushingiye ku ijanisha ry'agaciro kagereranijwe k'umutungo ukuyemo amafaranga asigayemo inguzanyo.

Nigute HELOC ikora?
Noneho ko uzi icyo aMURAHOni, dore uko ikora:

Uburyo bwo gusaba:Igikorwa cyo gusaba aMURAHOisa n'iy'inguzanyo gakondo.Uzakenera gutanga ibyangombwa byubukungu, nkibicuruzwa byishyuwe, imenyekanisha ryimisoro, hamwe na banki, kugirango werekane ko winjiza kandi ufite inguzanyo.
Kwemeza: Nyuma yo gutanga ibyifuzo byawe, uwatanze inguzanyo azabisubiramo ahitemo niba abyemeza.Niba byemejwe, uzakira igihe cyo gukuramo mugihe ushobora kuguza amafaranga.
Gushushanya Igihe:Mugihe cyo gushushanya, urashobora kuguza kugeza igihe ntarengwa cyinguzanyo igihe cyose ubishakiye.Uwagurijwe yishyura buri kwezi inyungu gusa muriki cyiciro.
Icyiciro cyo kwishyura:Igihe cyo gushushanya kirangiye, icyiciro cyo kwishyura kiratangira.Kuri iyi ngingo, ugomba gutangira kwishyura ibyingenzi wongeyeho inyungu.

Ibintu by'ingenzi biranga HELOC:

Kuri iki cyiciro, ushobora kwibaza impamvu aMURAHOni byiza kubitekerezaho.Reka dusenye ibintu byingenzi byingenzi:

Ikintu cyingenzi # 1:Igipimo cyagenwe: HELOC mubisanzwe izana igipimo cyinyungu gishobora guhinduka, bivuze ko ubwishyu bwawe buri kwezi bushobora guhinduka mugihe.Nubwo ibi bishobora kuvamo kwishura buri kwezi, biraguha kandi guhinduka kuva ushobora kugabanya inyungu zawe kumisoro yawe.

Ikintu cyingenzi # 2:Nta gihano cyo kwishyura mbere: Kimwe mubintu bikurura HELOC nuko itazana igihano cyishyuwe mbere.Ibi bivuze ko ushobora kwishyura inguzanyo byihuse utitaye kumafaranga yinyongera cyangwa ibihano.

Ikintu cyingenzi # 3:Amafaranga yo gufunga make: Ugereranije nubundi bwoko bwinguzanyo, HELOCs ikunda kugira igiciro gito cyo gufunga.Ibi birashobora kuzigama ibihumbi byamadorari mugiciro cyambere kandi bikagufasha kubika amafaranga yawe.

Ibibazo bijyanye na HELOC

Hamwe nibyingenzi bikubiyemo, ubu igihe kirageze cyo gusubiza ibibazo bimwe bisanzwe bijyanye na HELOCs:

Ikibazo # 1: Umubare ntarengwa nshobora kuguza ni uwuhe?
Igisubizo: Umubare ntarengwa ushobora kuguza biterwa n amanota yinguzanyo yawe, amafaranga winjiza, nagaciro keza murugo rwawe.Muri rusange, abatanga inguzanyo batanga kugeza 90% byagaciro k'inzu yawe ugereranije n'amafaranga asigayemo inguzanyo.

Ikibazo # 2: Ningomba kugeza ryari kwishyura inguzanyo?
Igisubizo: Igihe cyo kwishyura kuri HELOC kiri hagati yimyaka itanu kugeza kumyaka icumi.Muri iki gihe, uzajya wishyura buri kwezi ugizwe ninyungu nihame.

Ikibazo # 3: Ese inyungu zanjye zizagerwaho?
Igisubizo: Yego, igipimo cyinyungu zawe kirashobora guhinduka mugihe bitewe nimihindagurikire yisoko cyangwa ihinduka ryubukungu.Kugira ngo ugabanye ibi byago, gura hafi yubucuruzi bwiza bwa HELOC uhereye kubaguriza benshi kugirango ubone imwe ifite igipimo gihamye.

Nshobora kuva muri HELOC hakiri kare ntakubiswe nibihano byo kwishyura?
Nibyo, urashobora kwishyura HELOC yawe hakiri kare utishyuye amafaranga yinyongera cyangwa ibihano.Mubyukuri, urashobora kwishyura amafaranga yinyongera mugihe ushakiye.Gusa umenye ko inshingano zawe zo kwishyura buri kwezi zikomeza kuba zimwe mugihe cyo gushushanya;kubwibyo, ubwishyu bwihuse ntabwo bugira ingaruka kumushahara wawe wa buri kwezi keretse uhisemo ukundi.

Kugira HELOC bigira ingaruka mubushobozi bwanjye bwo kubona ubundi buryo bwinguzanyo?
Kugira HELOC ntibigomba kugira ingaruka mbi kubushobozi bwawe bwo kubona ubundi buryo bwinguzanyo.Kubera ko ikoresha inzu yawe nk'ingwate aho gukuramo imigabane ako kanya, kugira imirongo ibiri itandukanye y'inguzanyo ntabwo byangiza igipimo cyo gukoresha inguzanyo cyangwa kugabanya inguzanyo zawe zihari.Byumvikane ko, buri gihe ugenzure ninzego zinyuranye kubijyanye na politiki yo kuguriza hamwe mbere yo gusaba.

Ni izihe ngaruka zishobora kubaho zifitanye isano no gukoresha HELOC?
Kimwe nubundi buryo bwinguzanyo, hari ingaruka zijyanye no gufata HELOC.Menya neza ko ubyumva mbere yo kwiyemeza:
Ingaruka # 1: Kunanirwa kwishyura umwenda: Niba udashoboye kwishyura ku gihe, uwagurijwe arashobora kwambura inzu yawe.Ibi bizahanagura ibisigaye byose kandi bivamo igihombo kinini cyumutungo washowe kugeza ubu.Kubwibyo, burigihe shyira imbere ubwishyu mugihe gikwiye
Ingaruka # 2: Imihindagurikire y’isoko: Nkuko byavuzwe haruguru, izamuka ry’isoko ryemerera abahawe inguzanyo kongera umurongo w'inguzanyo nyuma yo kuvugurura cyangwa gutera inkunga - ariko bigenda bite iyo ibiciro by'amazu bigabanutse aho?Urashobora kwisanga ufite umwenda urenze agaciro k'urugo rwawe rw'isoko, biganisha ku bukungu.Buri gihe usubiremo ingaruka zishobora kubaho mbere yo kwiyemeza ikintu icyo aricyo cyose kirekire.

Gufunga Ibitekerezo

Mugihe aMURAHOitanga inyungu nyinshi, ni ngombwa gukomeza gutekereza no gusuzuma uko ubukungu bwifashe neza mbere yo gusinya amasezerano.Menya neza ko ubaza ibibazo, gereranya nuburyo bwo gutanga inguzanyo, hanyuma uhitemo neza ukurikije ibihe byawe bidasanzwe.Wibuke, iyo inyandiko zimaze gusinywa no gutangizwa zuzuye, ntuzatindiganye gushaka ubuyobozi niba ibibazo bivutse munzira igana imbere - kuko amaherezo, imibereho yawe yubukungu irahambaye cyane!

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 - Gufungura Inyungu Zo Gufunga Ibiciro Bike & Nta gihano cyishyuwe mbere

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.