Gusobanukirwa Urugo Ruringaniza Inguzanyo: Ubushishozi bwumwaka

Iyo usuzumye uburinganire bwurugoUmurongo w'inguzanyo(HELOC), gusobanukirwa ibiciro bifitanye isano, cyane cyane amafaranga yumwaka, ni ngombwa. HELOC irashobora kuba igikoresho cyimari cyingirakamaro kubafite amazu bashaka gukoresha umutungo wabo, ariko ni ngombwa kumenya amafaranga yose yatanzwe kugirango bafate icyemezo kiboneye. Iyi ngingo irasobanura neza amafaranga yumwaka ajyanye na Home Equity Line of Credit nuburyo bigira ingaruka kuri gahunda yawe yimari.

Umurongo w'inguzanyo y'urugo (HELOC) yemerera banyiri amazu kuguza inguzanyo zingana murugo rwabo, bagatanga umurongo woroshye winguzanyo ushobora gukoreshwa mubikorwa bitandukanye nko kuzamura amazu, guhuriza hamwe imyenda, cyangwa amafaranga atunguranye. Bitandukanye ninguzanyo gakondo, HELOC ikora cyane nkikarita yinguzanyo, aho ushobora kuguza no kwishyura amafaranga nkuko bikenewe mugihe cyaShushanya Ikiringo.

Kimwe mubiciro byingenzi bifitanye isano na HELOC ni amafaranga yumwaka. Amafaranga yumwaka ni amafaranga asubirwamo abafite amazu bagomba kwishyura buri mwaka kugirango bakomeze umurongo winguzanyo. Aya mafaranga arashobora gutandukana cyane bitewe nuwatanze inguzanyo hamwe na HELOC. Mubisanzwe, amafaranga yumwaka ari hagati y $ 50 kugeza 100 $, ariko birashobora kuba hejuru cyangwa munsi ukurikije amasezerano yihariye.

Nibyingenzi gushira mumafaranga yumwaka mugihe ubara igiciro rusange cyurugo ruringaniza inguzanyo. Mugihe amafaranga yumwaka asa nkaho ari make ugereranije ninyungu zishobora guterwa na HELOC, irashobora kwiyongera mugihe, cyane cyane iyo ukomeje umurongo winguzanyo kumyaka myinshi. Kurugero, niba amafaranga yumwaka ari $ 75 kandi ugakomeza HELOC kumyaka 10, ayo yiyongereyeho 750 $.

Iyo ugura HELOC, ni ngombwa kugereranya amafaranga yumwaka mubatanga inguzanyo zitandukanye. Bamwe mubatanga inguzanyo barashobora gutanga ibihe byo kuzamurwa nta mafaranga yumwaka yumwaka wambere cyangwa bakuraho amafaranga burundu mubice bimwe byihariye. Ariko, ni ngombwa gusoma ibyanditse neza no gusobanukirwa igihe nuburyo amafaranga azakoreshwa mumyaka yakurikiyeho.

Usibye amafaranga yumwaka, banyiri amazu bagomba no gutekereza kubindi biciro bijyanye na Home Equity Line of Credit, nk'amafaranga yo gusaba, amafaranga yo gusuzuma, n'amafaranga ashobora kurangira hakiri kare. Mugusobanukirwa ibiciro byose birimo, urashobora gusuzuma neza niba HELOC nigikoresho cyiza cyamafaranga kubyo ukeneye.

Mu gusoza, amafaranga yumwaka ni ikintu cyingenzi cyumurongo winguzanyo zinguzanyo ba nyiri amazu bakeneye gutekereza. Mugihe bisa nkaho ari amafaranga make, bigira uruhare mubiciro rusange byo kubungabunga HELOC. Mugukora ubushakashatsi bwimbitse no kugereranya amahitamo atandukanye ya HELOC, urashobora kubona umurongo winguzanyo utanga amagambo meza kandi ugabanya ibiciro byinyongera, ukemeza ko ukoresha neza umutungo wawe murugo.

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.