Dzimwe nguva, kuwana midziyo, kuita mapurojekiti uye mazano kana kutarisana nezviitiko zvisingafanoonekwi, zvinobatsira kuve nebhonasi yemari inovimbisa kugadzikana kwebhajeti remwedzi wega wega nemakambani. Panyaya iyi, zvakakodzera kufunga nezvesarudzo yekukumbira a home equity loan.
Munyaya ino tichatsanangura zvakadzama ndezvipi zvikwereti zvemba, ndeapi maitiro avo uye kuti ndeapi masangano anovapa, nekutarisa kwakanyanya kune akazvimirira capital capital masangano.
Chii chinonzi home equity loan
Zvikwereti zvine mortgage garandi zvinhu zvemari izvo makambani nevanhu vanogona kuwana mupiro wemari kubva kusangano rezvemari. Kunyanya kukosha kwerudzi urwu rwechikwereti ndechekuti ivo vanoda kuti munyoreri ape mupiro purazi sechibatiso yekuvhiya. Izvo zvakakosha kuti pfuma inoshanda sechibatiso chechikwereti haina encumbrances; ndiko kuti, haisi pasi pemhando ipi neipi yechikwereti kana nhema.
Masangano emabhanga anopa rudzi urwu rwezvikwereti zvinotsigirwa nemortgage anogona kunge ari mabhanga echinyakare kana makambani akazvimirira emari. Zviri nyore kufunga kuti mamiriro uye zvinodiwa zvichave zvakasiyana zvichienderana nekuti ndeupi mubatanidzwa unoshanda semukweretesi.
Hunhu hwemortgage zvikwereti
Sezvambotaurwa, iyo peculiarity yerudzi urwu rwechikwereti kana ichienzaniswa nezvimwe zvigadzirwa zvemari ndezvekuti kuti uzvinyorere, zvinodikanwa kuve nenzvimbo inogona kushandiswa sechibatiso.
Munyaya ye private equity home equity zvikwereti, pane zvimwe zvinofadza zvekufunga nezvazvo:
- Kuwanda kwemari kunogona kuva kusvika ku50% yemutengo wakatemerwa wepfuma ita sechibatiso.
- Kazhinji vanopihwa ne mazuva ekupedzisira mapfupi, pakati pe1 ne3 makore angangoita, sezvo ari zvigadzirwa zvakagadzirirwa kugadzirisa chaiyo liquidity zvinodiwa.
- Purazi rakapihwa sechibatiso rinogona kuramba richishandiswa panguva yese yekubhadhara chikwereti.
Mumamiriro ezvinhu api ekukumbira chikwereti chemari
Pane mamiriro akasiyana siyana apo kunyorera chikwereti cheimba inoshanduka kuve sarudzo yakakodzera kwazvo. Izvi zvinotevera ndizvo zvinowanzoitika:
- Kusimudzirwa kwemapurojekiti. Kazhinji, kuita kana kuita mapurojekiti emunhu kana ebhizinesi ari kushanda, jekiseni rekusvika nenguva uye renguva pfupi remari inodiwa. Kune izvi, zvikwereti zvemortgage zvinonakidza zvakanyanya.
- Dzimwe nguva, kuti vawane liquidity, vanokumbirwa zvikwereti zvine mortgage garandi yekuvandudza kana kuvandudzwa kwemapurazi. Muzviitiko izvi, chikwereti chinowanzobhadharwa nekutengeswa kwemapurazi akagadziridzwa kana kugadziriswa.
- Kune vanogadzira, zvikwereti zvemba ndeye chigadzirwa chakanakisa nekuti, sezvo kazhinji vaine zvivakwa zvakati wandei zvekuisa sechibatiso, vanogona kukodzera kukwereta zvakanyanya. Muzviitiko izvi, zvikwereti zvinovhara mari yekuvaka, uye kubhadhara kunoitwa nekutengesa kwemapurazi anoguma. Nekudaro, zvechinyakare kubhengi kwakaganhurira iyo zvikwereti zvine mortgage garandi kune vanogadziraNaizvozvo, ivo vanowanzo tendeukira kune akazvimirira capital masangano.
- Zvikwereti kana zvikwereti. Mortgage-backed loans isarudzo yakanaka kwazvo mumamiriro ezvinhu apo zvikwereti zvakakura uye zvinogona kutungamira kune kuvharirwa, sezvo vachipa nguva yekubhadhara nekuda kwerunyararo rwepfungwa.
- Kugamuchirwa kwenhaka. Mutengo unobva mukugamuchira nhaka unogona kunge wakakwirisa uye, kana usina kiredhiti inodiwa yekutarisana nawo, zvikwereti zvemba inogona kuve sarudzo yakanaka.
Nderipi sangano rekusarudza kunyorera chikwereti chemondi
Sezvambotaurwa, kune nzira dzakasiyana dzekuwana izvi zvigadzirwa zvemari, sezvo zvese zvechinyakare kubhengi uye makambani akazvimirira ega anopa zvikwereti zvemba. Kunyangwe kubhengi kwechinyakare kuchipa mubereko wakaderera, zvinofanirwa kutariswa kuti masangano akazvimiririra ane zvakawanda zvakanaka zvekufunga nezvazvo asati anyorera chikwereti chemba:
- Speed uye agility. Matanho ane mari akazvimirira ega anowanzo kukurumidza kupfuura aya emabhanga echinyakare. Izvi zvakakosha kune avo vanokumbira chikwereti chemondgage kugadzirisa kudiwa kwekukurumidzira kwemari.
- Flexibility uye kugadzirisa. Izvo zvinodikanwa zvekukumbira zvikwereti nemari yakazvimirira zvakaderera pane zvechinyakare masangano emabhangi uye pane nzvimbo yakawanda yekubvumirana pamatemu ekubhadhara nematemu ekuzvigadzirisa kune zvinodiwa neanonyorera. Pamusoro pezvo, masangano akazvimirira ega anogona kudzivirira chokwadi chekuti vatengi vari pazvirongwa zvehutsotsi, senge ASNEF kana RAI, kana vaine vimbiso yakasimba yembanje.
- Mumasangano akazvimirira ega, mazano akawanda anowanzo kupihwa kupfuura mune mamwe masangano kuburikidza nevanopa mazano, vezvehupfumi nemagweta. Chinangwa ndechekuti zvigadzirwa zvemari zvinokumbirwa nemutengi zvinogadziriswa kune zvimwe zvenyaya imwe neimwe.
- Kuchengeteka uye kuvimbika. Private equity masangano emari anofanirwa kunyoresa uye kuve yakabvumidzwa neBhange reSpain, iyo inodzora uye inovatarisira. Naizvozvo, kuchengetedzeka uye kuvimbika kunotonga mune zvemari maitiro mune zvese uye mukupihwa kwezvikwereti kunyanya.
Ko mubhadhari anokoshesa chii kupa chikwereti nerendi remba
Kana chikwereti chine chibatiso chechikwereti chinokumbirwa, masangano emari anofanirwa kuongorora njodzi ine chekuita nekushanda. Kuti vaite izvi, ivo vanonyanya kufunga nezve zvinotevera zvinhu:
- Kudzoka kwekufarira. Inoongororwa kuti mubereko unobva pakupihwa kwechikwereti uchadzoserwa sei; ndiko kuti, chii chichava mitemo yekudzoka uye yehuwandu hupi.
- Chimiro chekuregererwa kwekushanda. Zvakakosha kuti bhangi rizive kuti basa racho richakanzurwa sei; ndiko kuti, kuti kutengeserana kuchapera sei. Nzira dzakajairika ndeyekubhengi uye kutengeswa kwenzvimbo, iyo inogona kana kusave yakafanana iyo yakaiswa sechibatiso.
- Iyo liquidity yevimbiso. For the kupa zvikwereti nemortgage guarantee zvakakosha kuti pfuma inopiwa sechibatiso ive yeukoshi hwakakwana. Nokuda kweizvi, kuongororwa kweimba yacho kunofungidzirwa, iyo isingafungi chete zera reimba uye mamiriro ayo ekuchengetedza, asiwo zvinhu zvakavakwa nazvo uye nzvimbo, pakati pezvimwe zvinhu.
- Viability yebhizimusi chirongwa. Munyaya ye zvikwereti zvemba zvemabhizimisiIzvo zvakakoshawo kuziva kugona kwekambani inokumbira capital. Kana iyo kambani ichiita pundutso uye vaine kumhanya kwakanaka, kambani yezvemari ine nzvimbo yakawanda yekufambisa kupa zvikwereti izvi.
Mukupedzisa, Chero munhu kana kambani inogona kukumbira chikwereti nerendi rechikwereti kunze kwekuti iwe une chivako chisina maencumbrances sechibatiso. Mabhangi ese echinyakare uye akazvimirira equity makambani emari anogona kuvapa. Nekudaro, iyo yakanyanya kunaka sarudzo kana uchitsvaga kuchinjika kukuru uye nekukurumidza nekuchengetedza, kuvimbika uye zano rakanakisa nyorera chikwereti chemari yeimba nemari yakazvimirira.