Koetsoe-Qetellong vs. Piggyback Loans: Ho Khetha Khetho e Nepahetseng

Ha ho tluoa tabeng ea lichelete tsa equity, beng ba matlo ba na le mekhoa e mengata ea ho fumana boleng ba matlo a bona, ka The Closed-End.kalimo ea bobeli(CES) le likalimo tsa li-piggyback tse hlahelletseng. Ka bobeli li oela tlas'a sekhele sa Second Mortgage, empa li sebeletsa merero e fapaneng. CES e ikemetseng e loketse litšenyehelo tsa nako e le 'ngoe joalo ka lichelete tsa ntlafatso ea lehae kapa likalimo tsa ho kopanya likoloto, athe kalimo ea piggyback hangata e sebelisoa ho reka ho qoba litšenyehelo tse ling. Sengoliloeng sena se theola liphapang tsa bona ho u thusa ho khetha Mokoloto o nepahetseng oa Home Equity bakeng sa lipheo tsa hau.

CES e ikemetseng ke Kalimo ea Bobeli e Koetsoeng e fanang ka chelete e tsitsitseng, e lefshoang ka nako e behiloeng ka sekhahla se tsitsitseng sa tsoala. E nepahetse bakeng sa beng ba matlo ba nang le tekano e teng ba hlokang chelete ntle le ho nchafatsa mokoloto oa bona oa pele. Mohlala, CES e ka tšehetsa chelete ea $30,000 e ncha ea marulelo, e fana ka litefo tse lebelletsoeng esale pele bakeng sa lichelete tsa ntlafatso ea lehae. Hape ke kalimo e matla ea ho kopanya mekoloto, e o lumellang ho kopanya mekoloto ea maemo a holimo ho Mortgage e le 'ngoe ea Bobeli e nang le litefiso hangata tse ka tlase ho 10%. Hangata ba alimang ba hlokaFull Docnetefatso - litefello tsa lekhetho, bopaki ba chelete, le lintlha tsa mokitlane tse ka holimo ho 620 - empa mekhoa e meng ea litokomane tse kang litlaleho tsa banka li teng bakeng sa batho bao e seng ba tloaelehileng.

Ka lehlakoreng le leng, kalimo ea piggyback ke Mokoloto oa Bobeli o nkuoeng ka nako e le 'ngoe le mokoloto oa hau oa mantlha, oo hangata o hlophisitsoeng e le tumellano ea 80-10-10 (mokoloto oa pele oa 80%, 10% piggyback, 10% tefo e tlase). Karolo ea eona ea mantlha ke ho felisa inshorense ea poraefete ea mortgage (PMI) ha tefo ea hau e tlase e le ka tlase ho 20%. Ho fapana le CES e ikemetseng, piggyback ha e etselitsoe ho fana ka chelete ea ho reka ka mor'a ho reka empa ho fokotsa litšenyehelo tsa ho reka. Mohlala, lehaeng la $400,000, kalimo ea $40,000 piggyback e koahela karolo ea tefo e tlase, e u bolokela litefiso tsa PMI.

Khetho pakeng tsa CES e ikemetseng le piggyback e itšetlehile ka nako le morero. Haeba o reka ntlo mme o na le chelete e ngata, piggyback e ka etsa hore beng ba hao ba fihlellehe. Haeba u se u ntse u e-na le ntlo ea hau 'me u batla Home Equity Loan bakeng sa ho kopanya likoloto kapa ho li nchafatsa, CES ke eona e loketseng ho feta. CES e ikemetseng e boloka lipehelo tsa hau tsa pele tsa mokoloto oa ntlo, e fana ka maemo a bonolo bakeng sa doc e felletseng kapa likalimo tse ling tsa litokomane. Leha ho le joalo, likalimo tsa li-piggyback li ka jara litefiso tse holimo, kaha li kotsi ho ba alimang.

Likhetho tsena ka bobeli li sebelisa ntlo ea hau joalo ka tebeletso, ka hona, ho ikemela ho ka beha kotsi ea ho koaloa. Ho etsa qeto, lekola tekano ea hau - tlosa chelete ea sekoloto sa hau ho boleng ba ntlo ea hau - 'me u netefatse hore karo-karolelano ea DTI e tšehetsa litefo tse ling. Bapisa ba alimang chelete ho fumana lipehelo tsa tlholisano tsa CES kapa piggyback, 'me u nahane ka ho buisana le moeletsi oa lichelete.

Qetellong, kalimo ea Closed-End Second e khanya molemong oa ntlafatso ea lichelete tsa matlo le likalimo tsa ho kopanya likoloto, ha likalimo tsa piggyback li lumellana le maemo a ho reka. Ka ho utloisisa mefuta ena ea Second Mortgage, o ka sebelisa lichelete tsa tekano ho fihlela litlhoko tsa hau ka nepo.