Ndilisebenzise njani iSebe lam laMakhaya ukuHlawula ukuTyala kwam kwiKhadi letyala

Kwiminyaka emibini edlulileyo, ndaqhawula umtshato. Kuba bendifuna ikheshi ukuhlawula igqwetha lam, ndibeka iindleko zam zemihla ngemihla kwikhadi letyala. Ngaphambi kokuba ndazi, phakathi kwezinto endizibizayo kunye nexabiso eliphezulu lenzala, ndandinetyala elininzi. Ndine-17,000 engaphezulu kwe- $ 17,000 kumakhadi amabini.

Ndijonge ukuhambisa ityala lam kwikhadi letyala elingena nzala leenyanga ezili-18 kwaye ndichitha yonke idenariyo endinokuyenza ukuhlawula ityala lam ngaphambi kokuba loo nzala iqalise. Kodwa xa ndibaleka amanani, andizukuyenza. Ndandisele ndizabalaza ukuhlawula i-580 yeedola ngokudityanisiweyo yeentlawulo zenyanga zamakhadi etyala. Ndiye ndaqonda ukuba kufuneka ndiyikhulule imali inyanga nenyanga, ndingazibopheleli ngaphezulu ukuzama ukubetha iwotshi yeenyanga ezili-18. Ukuba bendizama ukuyibetha, bendiya kuzishiya ndinemali, kwaye bendingenamali ukuba kwenzeke inkcitho engalindelekanga. Ukwenza iintlawulo ezifanayo zenyanga endizenzayo kwikhadi leenyanga ezili-18 yayilukhetho, kodwa ekugqibeleni, kuya kubakho ibhalansi yokuhlawula. Kwaye, ndingashiywa ndinendawo encinci yokuphefumla kuhlahlo-lwabiwo mali lwami inyanga nenyanga.



Emva kokuphanda ezinye iindlela, ndafumanisa ukuba eyona ndlela ilungileyo kum yayikukusebenzisa ubulungisa bendlu yam. Umyeni wam wangaphambili sathenga ikhaya kwiminyaka engama-20 eyadlulayo, kodwa phakathi kwezinto ezininzi, kubandakanya enye eyenziwe kungekudala ngaphambi kokuba sahlukane apho sakhupha khona imali ebonakalayo, kwakusekho imali mboleko ekhayeni. Ndikhethe ukugcina ikhaya ndithathe imali mboleko ndedwa ukuze abantwana bethu bahlale kwinkqubo yabo yesikolo.

Okwangoku, bekukho imali elungileyo yokulingana endlwini kwaye ndaye ndagqiba kwelokuba ndiboleke i-25,000 yeedola kuyo ukuze ndihlawule ityala lam lekhadi, ndibhatale imali encinci yenyanga kwigumbi lokuphefumla, kwaye ndongeze ezinye iindleko ezinokuthi zize .

Malunga nokufikelela kwi-equity yam, bendinokukhetha ezintathu: Ukuxhasa kwakhona imali, ukuthatha imali mboleko yokulingana ekhaya, okanye ukuvula umgca wekhredithi yokulingana ekhaya. Nantsi indlela elungileyo kunye neengozi zomntu ngamnye zisebenza:



Thumela umfanekiso Gcina Ncamathisela Bona eminye imifanekiso

(Ityala lemifanekiso: UBrett Taylor Photography / Shutterstock)

Inketho 1: Ukuphinda uhlawule imali yam yokubambisa

Eziluncedo:

Ingathoba intlawulo yam yenyanga ukuya kwi- $ 182.

Ukuba ndiphinde ndaphinda ndalungisa imali endiyibolekileyo ndaza ndakhupha i-25,000 yeedola, imali endiyibambayo ibiyakuba yi-182 yeedola ngaphezulu kwinyanga nganye- kodwa loo nto ingakhupha imali engange- $ 400 ngenyanga nganye (ukuhlawulwa kwamakhadi etyala angama- $ 580 inyanga nenyanga- $ 182 ukuya kwimali-mboleko = $ 400 yasimahla).

Iyintoni intsingiselo ye999

Bendlela:

Inqanaba lenzala liphezulu kuneqondo lam ngoku.

Inzala inyukile oko ndafumana imali-mboleko okokuqala. Inqanaba lam lenzala elitsha liya kuba yi-4.75, isiqingatha senqaku ngaphezulu kwenqanaba endinalo ngoku.



Kuya kufuneka ndichithe imali ukuvala.

Kuya kufuneka ndibhatale i-6,000 yeedola kwiindleko zokuvala (eziza kuqengqeleka kwimali mboleko ebuyiselweyo). Endaweni yokongeza i-25,000 yeedola kwimali endiyibolekayo, bendiya kongeza i-31,000 yeedola.

Ndingafikelela lula kwimali eshiyekileyo.

Nje ukuba ndihlawule onke amakhadi okuthenga ngetyala, bendiya kuba ne- $ 8,000 eseleyo endiya kuyifaka kwi-akhawunti yokonga njengesixhobo sokugcina iindleko ezingalindelekanga. Kuba ndiqinisekile ukuba ndiza kufuna ukususwa komthi kwipropathi yam eya kuthi ixabise ubuncinci i-4,000 yeedola, ndifuna i-buffer, kodwa ukufikelela ngokulula kuyo ayibobulumko. Ndinokulingwa ukuba nditshone kuloo buffer amaxesha ngamaxesha ngenxa yeemfuno, hayi iimfuno, ndizithethelele ngokusebenzisa nje okuncinci kwitikiti lekonsathi okanye uhambo lweempelaveki endilifaneleyo.

Inketho 2: Imali mboleko yokulingana ekhaya

Eziluncedo:

Inezinga elihle elimiselweyo lekota yemali mboleko.

Imali mboleko yemali mboleko yendlu ineqondo elimiselweyo; inqanaba alisoze latshintsha kubomi bemali mboleko yam. Ndiphande i-25,000 yamadola kwimali mboleko yokuthenga izindlu kumaziko amabini-umbutho wamatyala endikuwo, kunye nendawo yokugcina imali encinci kunye nemali mboleko yemali mboleko. Ukulondolozwa kunye nemali mboleko inezinga elingcono lemali mboleko yeminyaka elishumi: 3.75.

Ukuhlawulwa kwam ngenyanga kuya kuba yi- $ 250.

Intlawulo yam encinci yenyanga iya kuba ngama-250 eedola, ndikhulule malunga ne-330 yeedola ezinkozo ngenyanga.

Andizukuhlawula ngaphezulu ukuyibhatala.

Ndingongeza iintlawulo ezongezelelweyo ukuhlawula inqununu ngokukhawuleza, kwaye ngekhe kubekho isohlwayo sokuqala kwangaphambi kokuhlawula.

Akukho ndleko zokuvala.

Ngokungafaniyo nokuxhasa kwakhona, ngekhe ndihlawule amawaka kwimirhumo engaphambili.

Bendlela:

Ndingathanda imali eshiyekileyo.

Ngemali mboleko yokulingana ekhaya, kuya kufuneka ndiyithathe yonke i-25,000 yeedola ngexesha elinye. Ndingaba nengxaki efanayo endiya kuthi ndijongane nayo kwakhona. Kuza kubakho i- $ 8,000 kwizandla zam, ukundilinga.

Inketho yesi-3: Umda wokulingana kwamatyala kwikhredithi

Eziluncedo:

Ndingasebenzisa kangangoko ndifuna, xa ndiyifuna.

Ngomgca wolingano lwasekhaya, ndingavunywa kuyo yonke i-25,000 yeedola, kodwa ndingabizwa inzala kuphela kwimali endiyisebenzisileyo. Ndingasebenzisa i-17,000 yeedola ukuhlawula amakhadi am etyala ngokukhawuleza kwaye ndinokukhetha ukuboleka kwi-8,000 eyongezelelweyo yeedola ukuba kwaye ndiyifuna nini. Kwaye, njengokuba ndibuyisa imali, iya kuphinda ibekho ukuze ndiboleke kuyo.

Umyinge wenzala usezantsi.

Iipesenti zangoku zepesenti (i-APR) endinokuyifumana kwi-HELOC yi-4.127, ihlawulwe ngaphezulu kweminyaka engama-20. Oko kuthetha ukuba ekuqaleni, ngaphezulu kwentlawulo yam yenyanga iya kuya kwenzala endaweni yenqununu, njengakwiminyaka yokuqala yobambiso lwemveli. Nangona kunjalo, ngenxa yenqanaba eliphantsi lenzala, intlawulo yam yenyanga iya kuba sengqiqweni.

Ukuhlawulwa kwam ngenyanga kuya kuba yi- $ 115.

Kwimali eyi-17,000 yoqobo ebendiza kuyitsala, ubuncinci bokuhlawula inyanga nenyanga buya kuba malunga ne- $ 115, ndikhulule malunga ne-465 yeeRandi ezinkozo inyanga nenyanga.

I-3 33 am inentsingiselo

Andizukuhlawula ngaphezulu ukuyibhatala.

Njengemali mboleko yemali ekhayeni, akukho sohlwayo saphambi kwexesha sokubhatala kunye no-HELOC, kodwa kukho inkuthazo yokongeza intlawulo encinci inyanga nenyanga ukuba ndiyakwazi ukwenza njalo. Olo longezelelo luya kuya ekuhlawuleleni inqununu.

Ithetha ntoni i-222

Bendlela:

Yinqanaba eliguqukayo.

Umgca wokulingana kwetyala lekhredithi unezinga eliguqukayo, okuthetha ukuba kunokutshintsha nangaliphi na ixesha. Ireyithi iyavakala ngoku, kodwa akukho siqinisekiso sokuba ayizukunyuka kwixesha elizayo. Ngapha koko, iFederal Reserve sele inyuse iqondo lenzala kabini kulo nyaka , kwaye kulindeleke ukuba baphinde baphinde baphinde babe ekwindla. Nangona kunjalo, i-APR yam iqinisekisiwe ukuba ayisoze ihambe ngaphezulu kwe-10.174, ebhetele kakhulu kunqanaba langoku le-23.74 kwikhadi lam elinye lekhredithi ngobuninzi bamatyala am.

Ophumeleleyo: HELOC

Ngaphandle kwezinga eliguqukayo, ndigqibe kwelokuba eyona ndlela ingcono endinokuyifumana kukulingana ngetyala lasekhaya. Okwangoku, bendifuna ukwazi ukuba ngaba ikhona enye into endifuna ukuyazi, ndiye ndathetha noStephanie Bittner, umphathi wezemfundo e Clarifi , inkonzo yokucebisa abathengi ngetyala engenzi nzuzo. Uye wathi ngaphandle kwenqanaba lenzala eguqukayo (eyona nto bendicinga ngayo) zimbini ezinye izinto ezinkulu ekufuneka ziqwalaselwe ngomgaqo wekhredithi yekhaya: yimali mboleko ekhuselekileyo kwaye kukho iziphumo zerhafu ezintsha.

Ubeka indlu yakho njengesibambiso, utshilo uBittner. Ukuba ufika kwinqanaba apho unganakho ukwenza iintlawulo kwimali mboleko, ibhanki inokuza ithimbe ipropathi yakho.

Ekugqibeleni, uBittner uthi iimpembelelo zerhafu zitshintshile. Kwixesha elidlulileyo, unokuyibhala yonke inzala, kodwa itshintshile kutshanje. Awunakho ukuyicima inzala ngoku ngaphandle kokuba imali evela kwimali mboleko isetyenziselwa ngokukodwa ukuphucula ngokubonakalayo ikhaya okanye ipropathi. Lo mthetho mtsha werhafu ukwasebenza kwimali mboleko yokulingana ekhaya. Ukuba bendiphinde ndalixhasa ityala lam lobambiso ukuze ndifikelele kwi-equity, inzala ibinokutsalwa kwirhafu.

Ndaphoxeka ukuba andizokwazi ukubhala inzala kwiirhafu zam, kodwa ndaye ndagqiba kwelokuba umda wokulingana kwamatyala ngetyala wawundilungele. Ngayo, ndinokuhlawula inzala yam ephezulu yamakhadi etyala kwaye ekugqibeleni ndihlawule inzala encinci kwityala. Ndiza kuba nemali eyongezelelweyo yokutsala xa kuvela inkcitho enkulu, kodwa loo mali ayiyi kuba sezandleni zam. Kwaye, okona kubaluleke kakhulu, iya kuyikhulula imali inyanga nenyanga, indinike igumbi lokuphefumla nohlahlo-lwabiwo mali lwam lwenyanga.

Into yokuba le yimali mboleko ekhuselweyo iyinto exhalabisayo, kodwa ngaphandle kokuba kukho ukwehla okubonakalayo kumvuzo wam, ndiqinisekile ukuba ndingazenza iintlawulo. Ibhanki nayo, nayo. Isivumile isicelo sam, kwaye ndavala kwi-HELOC kwiveki ephelileyo. Sele ndiphefumla lula xa ndicinga ngamatyala enyanga ezayo.

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