Nzira yekutenga mota uchishandisa imba yekuenzana mutsara wechikwereti (HELOC)
Zviri mukati
Kutenga motokari itsva kana yakashandiswa kazhinji zvinoreva kuti unofanira kuwana mari. Kazhinji, izvi zvinoitika kuburikidza nemutengesi, bhangi, kana mukweretesi wepamhepo. Nepo vazhinji vanokweretesa vachibhadharisa mubereko wakakwira kana watora chikwereti chemota, iwe…
Kutenga motokari itsva kana yakashandiswa kazhinji zvinoreva kuti unofanira kuwana mari. Kazhinji, izvi zvinoitika kuburikidza nemutengesi, bhangi, kana mukweretesi wepamhepo. Nepo vazhinji vanokweretesa vachichaja yakakwira mubereko wechikwereti chemotokari, une imwe sarudzo.
Uchishandisa equity yawakaunganidza mumba mako mushure memakore ekubhadhara, unogona kupa mari yekutenga mota nyowani kana yakashandiswa. Mari yemubereko paHome Loan Line yeCredit (HELOC) yakaderera pane yaungabhadhara chikwereti chemotokari yechinyakare, uye kana uine mari yaunga yaunganidzira, unogona kutobhadhara mota yako zvizere uye kudzivirira kubhadhara kwemotokari zvachose. Paunenge uchishandisa HELOC, unofanirwa kutevedzera maitiro akatsanangurwa mugwaro rino.
Usati wapedza uye watenga mota uchishandisa HELOC, iva nechokwadi chekuzvijaira iwe nezvose zvakanakira uye zvazvakaipira zvesarudzo iyi. Kunyange zvazvo HELOC ingaratidzika senzira yakanaka yekuchengetedza mari pakutenga motokari yako pakutanga, pane kazhinji dzimwe njodzi. Kana iwe uchinzwisisa zvakaderera uye uchida kutora njodzi, saka kushandisa HELOC kutenga yako inotevera mota nyowani kana yakashandiswa inogona kunge iri sarudzo yakakukodzera iwe.
- MabasaA: Shandisa online calculator seya kubva kuUS Bank kuti uone rudzi rwechikwereti rwakakunakira.
Chikamu 1 che3: Kugadzirira Kunyorera
Mushure mekuona kuti unoda chaizvo kushandisa HELOC kutenga mota, yave nguva yekugadzirira kunyorera imwe.
Danho 1: Sarudza huwandu hwekuenzana mumba mako.. Kuti ugamuchire HELOC, unofanira kuunganidza imwe mari mumba mako. Kazhinji, iwe unofanirwa kuve neinosvika gumi muzana equity mumba mako kuti ukwanise kuita chirongwa cheHELOC.
Vazhinji vanokweretesa vanoda kuti uve neinenge 20% equity mumba mako; Chaizvoizvo, kana iwe uine chiyero chakawanda mumba mako, zviri nani.
Pamusoro pekuenzana mumba mako, vazhinji vanokweretesa vanosarudzawo mari yako yekubhadhara imba, inishuwarenzi, mutero, uye mubhadharo weHELOC pachawo usapfuure 28 muzana yemari yaunowana pamwedzi.
Danho rechipiri: Tanga kutarisa vanokwereta. Kana uchinge waona kuti unokodzera kuHELOC, unofanirwa kutarisa vakweretesi vakasiyana-siyana kuti uone kuti ndeapi mamiriro avanopa.
Tanga nebhanga rauri kushandisa parizvino. Vabvunze zvaunoda kuti ukwanise kuwana HELOC. Kana mazwi avo uye mitengo ichiita seyakakwira zvishoma, ungangoda kufunga nezvedzimwe sarudzo.
Nhanho 3: Ona Izvo Mamwe Mabhangi Ari Kupa. Nepo iwe uchingoda kutanga nebhangi rauri kuwana mari yako yembavha, unofanirwa kutarisa vamwe vanokweretesa uye funga kuvasarudza kana vakakupa mareti ari nani uye mazwi.
Tsvaga izvo mamwe mabhanga anopa kana zvasvika pamatemu embanje uye mitengo yemubereko. Kana iwe ukawana mukweretesi anopa iwo akanakisa mazwi uye mareti uye iwe uchida kushandura, iwe unozofanirwa kugadzirisa imba yako.
- CherechedzaA: Iwe hausi kurasikirwa nechido mumba mako kana iwe uchigadzirisa chikwereti chako.
- MabasaA: Unogona kushandisa online calculator senge kubva kuBankrate kuona kuti imarii yauchazoda kubhadhara mwedzi wega wega kuti ubhadhare chikwereti chako cheHELOC nerimwe zuva.
Chikamu 2 che3: Kuzadzisa Maitiro Ekunyorera
Kuzadzikisa chikumbiro cheHELOC uye kuongorora imba yedu ndiwo mamwe ematanho anotevera mukuita mushure mekunge wawana mukweretesi wauri kufara naye.
Danho 1: Ipa humbowo hwemari. Pamusoro pechikumbiro pachacho, iwe unozofanirwa kupa humbowo hwemari, sezvaungaita pachikwereti chemba.
Pane nzira dzakati wandei dzekutarisa mari yako. Nzira huru ndeyekupa iyo sangano rezvemari nemakopi emari yako yekubhadhara. Kunze kweizvi, kana iwe uchizvishandira wega, mutero wegore rapfuura unogona kushanda sehumbowo hwemari.
Iwe unogona zvakare kupa zvakananga dhipoziti statement kubva kubhangi rako kana chirevo chine chero ruzivo rwemudyandigere. Chaizvoizvo, mukweretesi ari kuyedza kuve nechokwadi chekuti une nzira yekubhadhara HELOC yako.
Nhanho 2: Pfuura Chikwereti Cheki. Tarisira vanokweretesa kuti vaitewo cheki chechikwereti sechikamu chemaitiro ekunyorera nekuti unofanirwa kuve nechikwereti chakanaka kuti ukwanise kuwana HELOC.
Gadzirira izvi nekutora matanho ekuvandudza zvibodzwa zvako zvechikwereti, kusanganisira kubhadhara mabhiri ako nenguva uye kutenga zvidiki nekadhi rako rechikwereti, nekuzvibhadhara nenguva.
- MabasaA: Paunenge uchinyorera HELOC kune vakawanda vanokweretesa, edza kuzviita mukati memazuva gumi nemana. FICO inoona chero zvikumbiro mukati memazuva gumi nemana chete sechikumbiro chimwe chakaoma chechikwereti, chinogona kudzivirira chikwereti chako kubva pakudzikiswa zvakanyanya.
Danho rechitatu: Ongorora imba yako. Chimwe chinodikanwa chevanokweretesa kana uchinyorera HELOC kuongororwa kwemba. Mukweretesi anofanira kuona kuti imba yako iri kana kuti iri pamusoro pekukosha kwayo panguva yawakatora imba yemba pairi.
Mukweretesi achatumira muongorori wepamba sechikamu chemaitiro ekunyorera.
Mari yekunyorera yaunobhadharira HELOC inosanganisira muripo wemuongorori uye inofanirwa kunge iri chikamu chemari yekuvhara.
- Mabasa: Chengeta marisiti ako ese kubva kumapurojekiti ekuvandudza imba. Pamusoro pekubatsira mutero wako, iwo zvakare humbowo hwekuwedzera kuti wakawedzera kukosha kweimba yako.
Chikamu 3 che3: Kutsvaga nekutenga mota
Iye zvino zvawava neHELOC uye unoziva kuti yakawanda sei yaunogona kutenga, inguva yekutsvaga mota. Kana uine HELOC, une account inoshandisa cheki kana kadhi rechikwereti kubhadhara zvinhu zvakaita semota.
Danho 1: Sarudza rudzi rwemotokari yaunoda. Paunenge uchitsvaga mota, unogona kutendeukira kune akati wandei, kusanganisira:
- Internet: Paunenge uchitsvaga paInternet, unogona kushandisa mawebhusaiti kukubatsira kuwana mota yaunoda. Mamwe emasaiti aya anosanganisira Autotrader, Cars.com, uye Craigslist.
- Dealership: Unogona kushanyira mutengesi kana kushanyira webhusaiti yavo paInternet. Chero zvazvingava, iva nechokwadi chekuenzanisa zvaunowana nezvinopihwa nevamwe vatengesi.
Nhanho 2: Tora Chirevo cheNhoroondo yeMotokari. Kana iwe ukawana mota inofarira, mhanya iyo Vehicle History Report kuti uone nhoroondo yayo yetsaona uye rumwe ruzivo rwakakosha.
Vazhinji vatengesi vanopa nhoroondo yenhoroondo yemotokari nemotokari dzavo. Unogona kuvawana pamhepo pawebhusaiti yekutengesa nekudzvanya pane iyo rondedzero yauri kufarira.
Zvikasadaro, iwe unozofanirwa kushanyira saiti inoburitsa nhoroondo yemotokari mishumo, seCarfax, kuti ugadzire shumo pamotokari yauri kuona. Kuti uite izvi, iwe uchada Vehicle Identification Number (VIN).
Nhanho 3. Tsvaga iyo chaiyo yemusika kukosha kwemotokari.. Pamusoro pemushumo wenhoroondo yemotokari, unofanirwawo kuona kukosha kwemusika wemotokari kuti uve nechokwadi chekuti haubhadhare zvakanyanya.
Dzimwe nzvimbo dzakanaka dzekutarisa kukosha kwemusika wemotokari dzinosanganisira Kelley Blue Book uye Edmunds.com.
Nhanho 4: Edza kutyaira mota. Danho rekupedzisira usati wabvuma kutenga mota ndeye test drive it.
Paunoyedza kutyaira mota yako, ita shuwa kuti uri kutyaira mumigwagwa yakafanana neiyo yaunogara uchisangana nayo, yakaita sezvikomo, mirefu yakatwasuka kana macurves, zvichienderana nemakwara aunowanzo famba nawo.
- Mabasa: Munguva yekuedza motokari, bvunza makanika anovimbwa, akadai kubva kuAvtoTachki, kuti aongorore motokari kuti ave nechokwadi chokuti haina matambudziko makuru.
Danho 5: Taura nemutengesi. Ita shuwa kuti mutengesi waunoda kushandisa anogamuchira HELOC sekubhadhara.
Pamotokari dzakamboshandiswa, munofanirawo kutaurirana chero matambudziko aunowana nemotokari, muchitsanangura kuti matambudziko aunozofanira kugadzirisa kana mukatenga motokari, izvo zvinoderedza kukosha kwayo kwamuri.
Kana iwe ukawana mota yakafanana kune imwe nzvimbo, ishandise senzira yekuwana mutengo uri nani.
Danho 6: Bata Private Dealers. Iwe unogona zvakare kutenga mota kubva kumutengesi wega uchishandisa HELOC.
Zvisinei, yeuka kuti kana uchitenga motokari kubva kumutengesi wega, unofanira kutevera nzira imwe chete yekutenga kubva kumutengesi, kusanganisira kuongorora nhoroondo yemotokari, kuona kukosha kwayo kwemusika, uye kuitora kuti uedze motokari.
Danho rechina: Tenga mota. Kana uchinge wawana mota yaunoda uye wagadzirisa zvese zvese, yave nguva yekutenga mota nyowani kana yakashandiswa.
Paunenge uchitenga motokari uchishandisa HELOC, unofanira kuchengeta zvimwe zvinhu mupfungwa, sekuti unoda kubhadhara mutengo wakakwana wemotokari mberi, kana kuibhadhara pane imwe nguva yenguva uye ingoshandisa HELOC pakubhadhara pasi. . Heano maitiro ako maviri:
Sarudzo yekutanga: Bhadhara mota nekukurumidza. Inofungidzirwa nevakawanda seyakanakisa sarudzo, kubhadhara mari yese yekutenga kumberi kunokuchengetera dambudziko rekuita imwe mwedzi yekubhadhara mota. Apa ndipo panobhadhara mubereko wakaderera weHELOC. Nemubereko wepamusoro pachikwereti chemotokari, waizobhadhara zvakanyanya pamusoro pehupenyu hwechikwereti.
Sarudzo 2: Bhadhara mota nekufamba kwenguva. Sarudzo iyi inobatsira kana usina mari yakakwana yakachengetedzwa mumba mako kuti ubhadhare mari yacho izere izvozvi, kana uchida kudzivirira kushandisa yakawandisa yakaenzana mumba mako.
Nyanzvi dzakawanda dzinokurudzira kuti kana iwe uchitanga kushandisa HELOC kutora motokari, saka une nzira yekukurumidza kubhadhara HELOC kana chiyero ichikwira zvakanyanya.
KudziviriraA: MaHELOC ese ane mazuva matatu ekudzima mutemo. Mukati memazuva matatu mushure mekunge manyoresa neHELOC, mapato ese anopinda panguva yekumirira. Paunenge wakamirira, hapana chiitiko chine chekuita nechikwereti chinogona kuitika, kusanganisira mukweretesi kutumira mari yekutenga mota. Izvi zvinokupa iwe mazuva matatu ekufunga uye kuongorora HELOC uye kukanzura pasina chirango.
Mabasa: Rangarira kubvisa HELOC chikwereti chemubereko kubva kumitero paunenge uchiigadzirira.
Chirongwa cheHELOC inzira yakanaka yekutenga mota nyowani kana yakashandiswa uye kuchengetedza mari pamubereko. Ingove neshuwa yekufunga zvese zvinhu uye kutevedzera ese matanho ari mugwaro iri paunonyorera HELOC kuishandisa kutenga mota yako inotevera.
