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  • The Blog

    Thoughts, musings, and ruminations.

    反向抵押按揭使您可以從房屋淨值中取出資金,而無需每月支付抵押按揭。取而代之的是,它可以讓您提取房屋的一部分資產,在生活過程中分配資金。在按揭期限內的某個時候,您可以償還反向抵押按揭,也可以只是出售房屋並獲得一筆一筆的款項。如果您選擇提前償還按揭,則只會損失最初借入的金額以及您為該筆按揭支付的任何利息和費用。但是,如果您最終選擇出售房屋,那您將欠錢。您可以擁有的最高索賠額取決於您的年齡和健康狀況以及您的收入和其他因素。例如,如果您65歲,則您的最高索賠額是房屋當前市場價值和預期終身收入中的較高者。最高索賠額通常由工作和退休金部(DWP),金融服務管理局或國家房屋建築協會等獨立機構設定。但是,對於某些類型的反向抵押,最大索賠額也可以由抵押提供者確定。但是, 首次置業條件 ,具體限制因提供者而異。按揭轉介表 。使用這種類型,您支付的初始付款較低,因此可以調整利率,以便在較長的時間內償還較大的總額。這種按揭有兩個主要組成部分:還款按揭和信貸額度。還款按揭是兩者中的較大者,用於還清抵押本金和按揭的累計利息。信貸額度通常用作靈活還款計劃的一部分。因為您將需要資金以在按揭損失時償還按揭的本金和任何利息,所以信貸額度的收益將用於償還本金和按揭的累計利息。萬一損失,則此類按揭的收益將用於償還您的反向抵押按揭餘額。由於您將不會獲得任何收益收益,因此該選項沒有您可以使用的其他選項那麼有利。28Mortgage 。在此過程中,您將財產出售給貸方,並與貸方簽署契據。如果房主在不經過傳統的止贖程序的情況下出售房屋,則可以避免滯納金和法院費用。但是,此選項的使用受到限制,並且僅適用於某些屬性。如果您決定搬家,也許可以繼續進行反向抵押按揭付款,直到搬家為止。這稱為租賃選項。對於希望繼續付款直到找到新房的房主,租賃選項非常有用。要申請租賃選項,您需要直接與您的貸方聯繫。您也可以與房地產經紀人聯繫,以查看該選項是否可用。 
    May 20, 2021
  • Research Process

    Locating and Defining Issues or Problems

     

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    Designing the Research Project

     

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    Collecting Data

     

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    Interpreting Research Data

     

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    Report Research Findings

     

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  • Reviews

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    Very informative and engaging! Tons of information that I didn't know before. I’ll be looking at the author's other books.

    Brigitte Overbay

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    It really was hard to put the book down. Once you started reading, you'll also start to learn a lot of things. Really helpful for those who are starting their business.

    Morris Harju

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    I highly recommend this book to all entrepreneurs and business minded people. I am speechless about how this helped me and my company.

    Tina Hauck

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    Very well written with tons of information and guidance about marketing. Definitely worth downloading!

    Richard Pace

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    I like the writing style of the author which makes it easier for me to understand and learn all important information about marketing.

    Carola Manthey

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    I would recommend this to anyone who's looking to improve their marketing strategies and business revenue. Just awesome!

    Elisha Wherry

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