Ennyumba yo etuuse okukuyamba mu myaka gy'okuwumula
Mu myaka gy'okuwumula, abakadde bangi beetaaga ssente ez'okudda mu ngeri ey'ekyama. Ennyumba gy'obeera mu yo etera okuba ekitundu ku bugagga bwo, naye tekiyinza kukuyamba buli lunaku okugyako nga ogikozesa mu nkola ey'enjawulo. Reverse mortgage ky'ekimu ku makubo agayinza okuyamba abanannyini nnyumba okufuna ssente okuva mu equity gy'ebalina mu nnyumba yaabwe. Kino kiyamba abakadde okwongera ku nsimbi ezziyingira mu kiseera ky'okuwumula nga tebasobola kubanga tebeetaaga kusasula ng'oggye okutuusa lwe bava mu nnyumba.
Equity mu nnyumba ky’eki?
Equity mu nnyumba y’ekitundu ky’omuntu ky’aba alina mu nnyumba ye nga mw’ataddemu ssente ez’okugigula. Kino kiba kipimo ky’omuwendo gw’ennyumba ogusigaddewo nga omuntu amaze okusasula amabanja gonna oba ng’atandika okusasula. Abanannyini nnyumba bangi tebamanya nti equity eyinza okukozesebwa okufuna ssente mu kiseera ky’okuwumula. Mu nkola ya reverse mortgage, omuntu akkiriza okukozesa equity ye nga ssente ez’okwewola, naye tewali kusasula buli mwezi. Ensimbi zino ziyinza okukozesebwa mu byetaago bya buli lunaku, okujjanjaba, oba okulongoosa ennyumba. Kino kiyamba abakadde okukuumira obugagga bwabwe nga bakyalina ennyumba.
Abakadde n’ekiseera ky’okuwumula
Abakadde abatuuse mu kiseera ky’okuwumula bangi basanga ssente ezziyingira zikendeera. Mu nsi z’ebula ensimbi, abantu ab’emyaka 62 ne okusingawo bayinza okufuna reverse mortgage. Kino kiyamba abakadde okwongera ku nsimbi zaabwe nga tebalina kusasula mabanja buli mwezi. Kyokka, kiba kikulu okumanya nti ennyumba bwe giba gy’ekozeseddwa, omuntu tasobola kugireka mu kyeyune oba okugisikira abaana nga tannasasula. Kino kiteekwa okutegeerwa bulungi nga tannatandika. Abakadde basobola okukozesa ssente zino okutuukiriza ebirungi ebirala mu bulamu bwabwe.
Abanannyini nnyumba n’enkola ya reverse mortgage
Abanannyini nnyumba abalina equity mu nnyumba yaabwe bayinza okwesemberaza ku bakola reverse mortgage. Enkola eno etera kukolebwa mu nsi ez’amaanyi, naye kati ekwata mu nsi nyingi. Omuntu akola endagaano ne lender, naye ennyumba ye y’ekozesebwa nga ssente ez’okukola. Omuntu afuna ssente mu ngeri ey’omwezi oba mu kiseera kimu. Ensimbi zino tezisasa mabanja, naye ziyinza okukozesebwa okulongoosa ennyumba, okusasula ebirala, oba okwongera ku nsimbi ez’okuwumula. Kino kiyamba abanannyini nnyumba okukozesa obugagga bwabwe nga tebakyatunda nnyumba.
Ebbeyi n’ensimbi ezikwata ku reverse mortgage
Reverse mortgage erina ebbeyi ezitali zimu. Omuntu asasula ebisale by’okutandika, ebisale by’okukola endagaano, n’ebisale by’okukuuma ennyumba. Ebbeyi zino ziyinza okwongeza ku mabanja. Mu nsi ez’enjawulo, ebbeyi zino ziyinza okwawukana. Kiba kikulu okubuuza lender ku bisale byonna nga tonnatandika. Ensimbi zino zitera kuba nnyingi ku abo abalina equity nnyingi. Kino kiyamba abakadde okumanya obanga enkola eno eba nnyambulwa mu mbeera zaabwe.
Amakubo g’okufuna ssente mu nnyumba
Waliwo enkola nyingi ez’okufuna ssente mu nnyumba. Reverse mortgage y’emu ku zo. Enkola endala ziyinza okuba okutunda ennyumba n’okugula endala entono, oba okwewola ku nnyumba. Bulijjo, omuntu alina okufuna amagezi okuva mu mukozi w’ensimbi, omuwanika, oba munnamateeka. Kino kiyamba okumanya obanga reverse mortgage y’eky’okukola mu mbeera ye. Abakadde basobola okukozesa ssente zino okwongera ku cashflow yaabwe. Kyokka, kiba kikulu okulaba nti tewali kabi ku busika bw’abaana.
Ebyetagisa n’okwegendereza
Okufuna reverse mortgage kiteekwa okuba nga omuntu akitegeera bulungi. Omuntu alina okuba n’emyaka egisukka mu 62, okuba nannyini nnyumba, n’okubeera mu nnyumba eyo nga ye kifo ky’abeera. Ennyumba erina okuba mu mbeera nnungi. Omuntu tasobola kugireka oba okugitunda nga tannasasula. Kino kiyamba abakadde okukuumira obugagga bwabwe. Kiba kikulu okwebuuza ku bannamateeka n’okukola research ku nkola eno nga tonnasalawo.
Ebbeyi n’ebigerageranyo by’abakola
Waliwo abakola reverse mortgage ab’enjawulo mu nsi. Abakola bano balina enkola ez’enjawulo, ebbeyi, n’obukuumi. Wansi w’atebe lino ly’ebimu ku bakola ab’amanyifu.
| Ekintu/Obuweereza | Omukola | Okugerageranya Ebbeyi |
|---|---|---|
| Home Equity Conversion Mortgage (HECM) | Finance of America Reverse | Ebisale by’okutandika 2% ku mabanja, ebisale by’okukuuma 0.5% buli mwaka |
| Reverse Mortgage | American Advisors Group (AAG) | Ebisale by’okukola endagaano 2,500–6,000 USD, ebisale by’okukuuma 0.5% buli mwaka |
| Jumbo Reverse Mortgage | Liberty Home Equity Solutions | Ebisale by’okutandika 2% ku mabanja, ebisale by’okukuuma 0.5% buli mwaka |
| Reverse Mortgage | One Reverse Mortgage | Ebisale by’okukola endagaano 2,000–5,000 USD, ebisale by’okukuuma 0.5% buli mwaka |
| Reverse Mortgage | Mutual of Omaha Mortgage | Ebisale by’okutandika 2% ku mabanja, ebisale by’okukuuma 0.5% buli mwaka |
Ebiseera, emiwendo, oba ebigerageranyo by’ebbeeyi ebiri mu kiwandiiko kino bisinziira ku mawulire agasinga obuggya naye biyinza okukyuka mu kiseera. Kukubiriza okunoonyereza ku bwange nga tonnasalawo ku nsonga z’ensimbi.
Okufuna obugagga mu myaka gy’okuwumula
Mu kiseera ky’okuwumula, abakadde beetaaga enkola ezibayamba okukuuma obugagga bwabwe. Reverse mortgage y’emu ku nkola ezisobola okuyamba abanannyini nnyumba okufuna ssente okuva mu equity. Kino kiyamba okwongera ku nsimbi ezziyingira, okulongoosa ennyumba, oba okusasula ebirala. Kyokka, kiba kikulu okumanya nti enkola eno erina ebbeyi n’okwegendereza. Abakadde basobola okukozesa ssente zino mu ngeri ennungi, naye kiba kikulu okwebuuza ku bannamateeka n’okukola research. Mu nkomerero, ennyumba yo eyinza okukuyamba mu myaka gy’okuwumula, naye kiba kikulu okukola ekintu nga otegeera bulungi.
