Pehea e mālama ai me kahi HELOC: ʻAʻole i wehewehe ʻia nā koho uku hāʻawi

I ka loaʻa ʻana o ke kālā no ka hoʻomaikaʻi ʻana i ka home, ka hoʻohui ʻana i ka aie, a i ʻole ka uhi ʻana i nā lilo i manaʻo ʻole ʻia, he Home Equity Line of Credit (HELOC) kahi koho kaulana. Akā, ua ʻike anei ʻoe hiki iā ʻoe ke hoʻopaʻa i kahi HELOC meʻAʻohe uku hāʻawi? Hoʻopili kēia ʻatikala pehea e hiki ai iā ʻoe ke mālama i ke kālā ma ke koho ʻana i kahi HELOC me ka uku ʻole o ka mea hāʻawi kālā, e hōʻoiaʻiʻo ana e loaʻa iā ʻoe ka mea maikaʻi loa mai kāu kaulike home.

ʻO ka hoʻomaopopo ʻana iā HELOC

ʻO HELOC, a i ʻole Home Equity Line of Credit, he laina ʻaiʻē i hoʻopaʻa ʻia e ke kaulike ma kou home. ʻAʻole like me kahi hōʻaiʻē maʻamau, hiki i kahi HELOC ke ʻae iā ʻoe e hōʻaiʻē e like me ka mea e pono ai, a hiki i kahi palena i koho mua ʻia, a uku wale ʻoe i ka ukupanee ma ka nui āu e ʻaiʻē ai. ʻO kēia maʻalahi e hana i kahi HELOC i koho maikaʻi no nā mea hale he nui.

ʻO ka pōmaikaʻi o ka uku ʻole HeloC

ʻO kekahi o nā kumukūʻai koʻikoʻi e pili ana i ka loaʻa ʻana o kahi HELOC ʻo ia ka uku hāʻawi. Hiki i nā uku hāʻawi ke komo i nā uku noi, nā uku loiloi, aNa koina pani, hiki ke hoʻonui koke. Eia nō naʻe, hāʻawi nā ʻoihana kālā he nui i nā koho HELOC me ka uku ʻole o ka mea hāʻawi kālā, e hāʻawi ana i kahi mālama kālā.

Pehea e loaʻa ai kahi uku hāʻawi ʻole HELOC

1. E noiʻi a hoʻohālikelike: E hoʻomaka ma ka noiʻi ʻana i nā mea hāʻawi kālā like ʻole. Nui nā panakō a me nā uniona hōʻaiʻē e hoʻolaha nei i nā HELOC me ka uku ʻole o ka mea hāʻawi. E hoʻohālikelike i kā lākou mau huaʻōlelo, ka uku ukupanee, a me nā loiloi o nā mea kūʻai aku e ʻike i ka ʻoihana maikaʻi loa.
2. Hoʻolaha a me nā hāʻawi: E nānā i nā hoʻolaha kūikawā. ʻAʻole hāʻawi kekahi mau mea hāʻawi kālā i nā HELOC i nā manawa a i ʻole he ʻāpana o ka hoʻolaha hoʻolaha.
3. Kūkākūkā: Mai makaʻu e kūkākūkā me kāu mea hāʻawi. Inā loaʻa iā ʻoe kahi helu hōʻaiʻē maikaʻi a me ka mōʻaukala kālā ikaika, hiki iā ʻoe ke hoʻohuli i ka mea hāʻawi e haʻalele i nā uku.

Nā pōmaikaʻi ma waho aʻe o ka uku ʻaiʻē

ʻOiai ʻo ka pōmaikaʻi nui o ka HELOC uku ʻole ka uku mālama kālā, aia kekahi mau pono ʻē aʻe:

• Nā Koina Hoʻomaka Haʻahaʻa: Me ka loaʻa ʻole o nā uku hāʻawi, ua hoʻemi nui ʻia ke kumukūʻai mua o ka hoʻonohonoho ʻana i kāu HELOC.
• Loaʻa nā kālā hou aku: Me ka loaʻa ʻole o nā uku mua, ʻoi aku ka nui o kāu mau kālā no ka hoʻohana ʻana, inā paha ʻo ka hoʻoponopono hou ʻana i ka home, ka hoʻohui ʻana i nā aie, a i ʻole nā ​​​​koho ʻē aʻe.
• Loaʻa maʻalahi i ka hōʻaiʻē: Hāʻawi kahi HELOC i kahi kumu hōʻaiʻē maʻalahi e hiki ke kiʻi ʻia e like me ka mea e pono ai, e maʻalahi ai ka mālama ʻana i nā lilo nui i ka manawa.

Ka hopena

ʻO ke koho ʻana i kahi HELOC me ka uku ʻole e hiki ke mālama iā ʻoe i ke kālā a hāʻawi i kahi hāmeʻa kālā maʻalahi e hoʻokele i kāu mau lilo. Ma ka hoʻomaopopo ʻana i nā pōmaikaʻi a me ka ʻike pehea e loaʻa ai nā makana maikaʻi loa, hiki iā ʻoe ke hana i ka hapa nui o kāu kaulike home me ka ʻole o ke kaumaha o nā uku keu. Inā ʻoe e hoʻolālā nei i kahi hoʻoponopono hou ʻana a makemake paha ʻoe i kahi cushion kālā, ʻaʻohe uku hāʻawi HELOC he koho kūpono e noʻonoʻo ai.

Ma ka nānā ʻana i nā koho HELOC me ka uku ʻole o ka mea hāʻawi kālā, hiki iā ʻoe ke hoʻonui i kāu mālama kālā a hauʻoli i ka maʻalahi kālā e hele mai me ka hoʻohana ʻana i kāu kaulike home.

ʻŌlelo: Ua hoʻoponopono ʻia kēia ʻatikala e AAA LENDINGS; Ua lawe ʻia kekahi o nā kiʻi mai ka Pūnaewele, ʻaʻole i hōʻike ʻia ke kūlana o ka pūnaewele a ʻaʻole hiki ke paʻi hou ʻia me ka ʻole o ka ʻae ʻia. Aia nā pilikia ma ka mākeke a pono e makaʻala ke kālā. ʻAʻole kēia ʻatikala i ka ʻōlelo aʻoaʻo pilikino pilikino, ʻaʻole hoʻi e noʻonoʻo i nā pahuhopu waiwai kikoʻī, kūlana kālā a i ʻole pono o nā mea hoʻohana pākahi. Pono nā mea hoʻohana e noʻonoʻo inā kūpono nā manaʻo, nā manaʻo a i ʻole nā ​​manaʻo i loko o kēia i ko lākou kūlana. E hoʻolilo e like me kāu pilikia.