The rising prices of 拉斯维加斯房地产 can be good news for 房主 across the state – and the nation, 事实上. 这是因为随着价格的上涨, 你的房屋净值也是如此, 给你更多的经济自由和购亚美am8官网登录下载力.
在这篇文章中, 我们来看看什么是房屋净值, 它是如何工作的, 你能做什么来解锁它, 和更多的. 让我们开始吧!
首页 equity can be described as the market value of your interest in the 首页 itself as well as the property (land). This fluctuates with time as you continue to make more 和更多的 payments toward your mortgage, 如果有任何. This value is also impacted by market forces – particularly demand.
Another way to look at 房屋净值 is to calculate the difference between what you owe on your mortgage and the selling price of your 首页 based on the current market. As you continue to make payments toward your mortgage, 应付账款自然减少了, while the market value remains constant or keeps increasing, 从而增加你的房屋净值和, 反过来, 你的净资产.
Let’s say you purchase luxury real estate in Las Vegas worth $1,000,000. You chose a mortgage plan where you made a 20% down payment and covered the remaining $800,000年,它. So in essence, you now have equity of $200,000 in the property or the 首页，从而使其成为你的家庭资产.
After 5 years, let’s say that the house values the same, but you have managed to pay off $600,000. So now, your 房屋净值 becomes $800,000 ($200,000 + $600,000). If, 然而, 市场价值增加到2美元,500,在5年的时间里, 情况会有所不同.
计算你的房屋净值, 你只需减去200美元,000 you owe to your mortgage lender from the market value, i.e.250万美元减去20万美元. So now, at the end of the period, your 房屋净值 would stand at $2,300,000.
Such a drastic increase in 房屋净值 usually only happens for luxury real estate, 不是普通的财产, 虽然.
基于以上的解释, it seems like 房屋净值 is something that we ‘make up’ and is not something tangible unless we have an offer in hand, 正确的? 事实并非如此. To understand how 房屋净值 really works, consider the following;
Let’s divide a 4-bedroom 首页 you purchased for $100,000 into four parts. You purchased it with a down payment of 20%, so, out of the four bedrooms, you own just 1 room. The other three; you are paying ‘rent’ for to the original owner, i.e.这家抵押贷款公司. As you continue making payments, you are essentially buying your 首页 back.
So, 房屋净值 is the portion of your 首页 you possess. If you own just that 1 room and decide to sell the house, 即使你这样做是为了盈利, it is important to note that you will be selling just your room for the profit. 其他三个将被出售 贷款方按卖给你的金额.
首页 equity can be used by 房主 to help with financial issues – but you need to be smart about it. It is important to consider carefully when you should use your equity. You can go to financial institutions at any time and ask to borrow a certain percentage of your equity against an interest in the house.
让我们再次考虑上面的同一个例子. 如果你的房屋净值是2美元,300,000, 你可以用它来得到一定的金额, but it is important to note that you can’t just go to a bank and ask them for $2,300,000. The amount you can ask for and the conditions they set will depend entirely on your credit history and other factors.
This can either be a 房屋净值 line of credit (HELOC) or a 房屋净值 loan.
HELOCs are a continuous form of loan amounting up to 85% of your 房屋净值. 考虑上面的例子, 你可能会得到高达1美元的HELOC,925,000 (85% of 2,500,000少200美元,000). The funds can be used for any purpose, but the best way to utilize them is to make 为你的家增加资本.
This can include anything from adding a pool to a fireplace, 天井, 健身房, or more to enhance your luxury real estate in Las Vegas further. HELOC贷款通常有可调整利率.
Apart from HELOC, you can also use your 房屋净值 to score favorable terms for a 传统的贷款. These loans are basically a second mortgage on your 首页. The lender will turn your equity into a lump sum amount and give it to you in return for an interest in your 首页.
It is important to note that this loan acts just like any other mortgage and if you are unable to make payments, 贷方有权驱逐你并取消抵押品赎回权. 然而, these loans aren’t as long-term as traditional mortgages and can be paid off in a shorter time, i.e.， 5-10年，视需要而定.
你甚至可以用这笔钱亚美am8官网登录下载一套新房子, 如果你愿意的话, 把它拿去租吧, 然后用它来支付!
首页 equity can be a great asset for you and your family and help you in your time of need. 然而, we recommend caution when utilizing the equity, since there is a lot of risk involved. If you’d like to learn more about 房屋净值 or would like to discuss options about utilizing the same, 和我们联系 在维加斯集团做一个明智的决定!
Disclaimer: There are numerous factors to consider in every investment, including real estate. The information provided above is just a matter of opinion and can change with time. It shouldn’t be construed as legal or tax advice; neither does the report constitute a financial promotion or investment advice. It is general information and before making any such decision, you should seek out licensed professionals and see all ends clearly.