Understanding Home Equity

理解房屋净值和它如何能产生长期财务安全

By SaleCore on 1/24/2021

拥有住房已经为美国梦铺平了道路,它为每个家庭提供了自己的地方,并提供了建立财务安全的机会. This security comes in the form of Home Equity. 不管你是刚开始买房还是已经有房了, 理解房屋净值是从你的投资中获得最大收益的关键. Although a lengthy process, building equity in your home can be the smartest, long-term strategy for wealth and financial security. 在许多家庭为住房开支而苦苦挣扎的艰难时期,这尤其有益, 因为房主的权益,他们有更好的选择.


1. What is Home Equity?

什么是房屋净值-钱和房子在平衡的插图

简单地说,把你的抵押贷款看作是一个“强制的”储蓄账户. As you pay down the principal on your loan each month, 你逐渐获得了更大比例的所有权 lender. 不断增长的份额被称为权益,它也可以随着房地产价值的增长而到期. 这种贷款不同于其他资产(如交通工具),在你支付时,这些资产实际上会贬值 down. 买房可能是你最大、最有价值的资产, 有战略眼光会让你在以后的生活中使用这一资产.

2. How to Build Home Equity?

一般来说,建立房屋净值是一个缓慢的过程,是建立资产净值的一个长期策略. 你的钱,在大多数情况下,是锁定的,不能在任何给定的时间使用. There are ways to tap into it, 但财富是随着你对房子“自由而明确”的所有权份额的增加而逐渐创造出来的. 通过每月的本金支付和增值积累资产 are a critical part of this process.

  • Paying Your Mortgage: Most mortgage loans are amortized, applying your monthly payments to interest and principal, thus increasing equity. If you have a different type of 贷款时,可能需要额外支付以增加房屋净值. The more you pay down, the more your equity goes up.
    • 如果你是一个新买家,增加你的首付,如果你可以. The more you put down, the less your lender will need to loan you, and the larger your equity stake will be.
    • Paying more than the minimum required on your mortgage loan, either monthly or a few times per year, 可以帮助您支付您的余额更快和增加您的收益. Consider 把你每年的退税用在你的贷款上,这真的会产生影响.
    • Refinancing your loan with a short-term loan, like a 15-year, will pay down your balance faster, and perhaps get you a lower rate as well.
  • 房屋增值-房屋增值的说明 Appreciation: 增加房屋净值的另一个关键因素就是“时间”.“一般来说,你在房子里待的时间越长,你可以积累的房屋资产就越多。 home appreciates, or increases in value. 虽然房地产价格可以上下波动,但全国平均每年的房价升值幅度为3%. If you live in a neighborhood where property values 总体上是上升的,你维护了你的财产,你的权益也会增加吗. 值得注意的是,有些市场比其他市场升值更快. It's also possible for home values to depreciate due to economic conditions, if your home is not being well-maintained, or due to a drop in neighborhood home values.
    • Buying in an up-and-coming market (as a new buyer), 这是一个几乎能立即增加你的股本的战略举措吗. If home values in a neighborhood are on the rise, the property values will be too. 也许这个社区被认为是一个繁荣的地区,房子的售价更高, 或者房主做了一些翻修,有相当大的 increased their home’s value.
    • 装修或家庭改善也可以增加你的bwin官方网站, 但是要明智地选择你的项目和这些项目的资金. It's important to know if the reward is worth it. 关键是要知道什么样的装修能带来最高的投资回报,这样才能在出售的时候出手, you can demand a higher price. Before you decide on a remodel project, evaluate its cost versus its value, 然后决定你想要的装修是否值得投入你的时间和金钱. A few improvements that will increase your home’s value the most, include: upgrading the garage door, updating kitchens and bathrooms, finishing a basement, siding and vinyl window replacements, landscaping, and adding a wood deck. 把它想象成你在一项财产中的既得利益——你投入的越多,你得到的也越多.

3. How to Use Home Equity?

房屋净值信贷额度(HELOC) -申请房屋净值信贷额度的概念

没有必要卖掉你的房子来获得股权/利润. 一旦你建立了可观的股权(通常是20%或更多), you can tap into it by taking out lump-sum or partial amounts. 以下是你获得房屋净值的主要方式, keeping in mind however, that this is the security of your future, so taking lavish vacations or spending frivolously is highly discouraged. In addition, each of these options have their advantages and risks, 所以在填写申请前一定要做好调查.

  • Borrow Against the Equity: 房屋净值贷款提供了一笔你几乎可以用于任何目的的一次性贷款. 房屋净值信用额度(HELOC)允许您提取资金时 you need it, up to a pre-approved amount. If you are considering renovations on your home, this is a logical means to fund the projects, as credit cards rack up significant debt with high interest rates. 当你支付HELOC时,你继续支付抵押贷款,同时建立权益.
  • Sell Your Home: When you decide to sell your home, 随着时间的推移,你所建立的权益将在出售中回到你的手中. If you are planning to purchase a new home, you can use 股权作为首付,减少你下次抵押贷款的贷款支付. Or you can get cash to invest, save or use as you wish.
  • Refinance Your Home: 你可以为你当前的抵押贷款进行再融资,并拿出你积累的部分权益. If the mortgage rates are low, you may be able to take out substantial cash and keep your monthly payment the same.
  • 投资你的黄金岁月-幸福的老夫妇享受海滩 Fund Your Golden Years: 如果你选择在退休后住在你的房子里,并且不打算把你的财产传给继承人, then a reverse mortgage can be a great way to tap into home equity. 这种类型的贷款按月支付,你可以随心所欲地使用这笔收入. 你可以借的金额取决于你的年龄和你的房屋净值, as well as current interest rates. You can elect to receive your proceeds in one lump sum, 定期每月还款或信用额度(或这些还款类型的组合). The loan will 当你或其他主要房主不再居住在该物业时偿还. A reverse mortgage is a nonrecourse loan, 这意味着你的继承人不会被迫偿还更多的钱 they can get from the sale of the home. Be forewarned, these loans can be complicated, and you’ll have to meet certain requirements, so check the fine print.
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