Let's talk about the almighty wealth killer: 债务.
Every corner of the personal finance world seems to hammer home the same point: 债务 is the single greatest threat to your retirement planning, 大学储蓄和经济独立.
Except, as it turns out, there is one kind of debt that defies all of these rules: Mortgages.
Money you owe on real property can, in fact, help your financial independence in a lot of ways. While we’ve seen financial trouble occur when people finance their lifestyles using the value of their home, there’s no reason why you shouldn’t see 抵押贷款s as a reasonable and realistic financial tool to build your wealth. Here's seven reasons why 抵押贷款s are different from other kinds of debt:
1.) Having a 抵押贷款 can improve your credit score.
抵押贷款被债权人视为“好债”. 因为它是由你房子的价值担保的, lenders see your ability to maintain 抵押贷款 payments as a sign of responsible credit use. They also see home ownership, even partial ownership, as a sign of financial stability. 自2009年以来, credit scoring agencies have added points for consumers who are able to manage different kinds of debt. Having a 抵押贷款 that you pay each month makes you look like a better, 更负责任的信贷使用者.
2.) It’s the lowest interest rate loan you’ll ever get.
Mortgage loans are among the safest types of loans that lending institutions can issue. If there’s a problem during the life of the loan, the real property is a guarantee that the loaned money can be recovered. 结果是, 抵押贷款 rates generally track the “prime” rate – the interest rate the Federal Reserve charges institutions to borrow money from them.
3.这是积累财富最便宜的方式.
If you have an investment opportunity that you think will make more than 4%, you can finance it with a 抵押贷款 and make money on the deal. While this kind of transaction is not without risk, it’s arguably less risky than cashing out a 401(k) or an IRA to use toward new investments.
4.它得到了税收优惠.
The interest you pay on your 抵押贷款 is generally tax-deductible, 这就把它归为一类债务了. The government wants to encourage home ownership, so they offer you a tax break for the financing costs of your 抵押贷款. This tax treatment makes 抵押贷款s potentially even less expensive.
5.)它是防波动的.
If you have a fixed-rate 抵押贷款, you can make plans around the amount you pay each month. If inflation accelerates, your payment stays the same. If interest rates skyrocket, you’re protected from that, too. If interest rates drop, you can usually refinance to save money. Whatever happens, your 抵押贷款 is locked in to protect you from uncertain economic times.
6.这是一笔安全的应急基金.
While you want to keep some money in a savings account to protect you from minor emergencies, you can use the equity in your home to protect you from major events. If you can get more than a 4% return on your investment, you’ll make money by keeping a home equity line of credit as an emergency fund and pursuing returns with your savings.
7.它可以作为退休收入的来源.
So-called “reverse 抵押贷款s” are increasingly popular among retirees whose portfolios are struggling. 功能, 你用你的房子抵押贷款, and the lending institution pays you a set amount every month. Usually, the loan doesn’t come due until you pass on or vacate the home. 这种方式, 出售房屋的收益, along with life insurance and other death benefits, 可以用来偿还债务吗. 抵押贷款可以bat365支付退休费用.
We compiled decades of sound advice from our 抵押贷款 experts into 购买你喜欢的房子的完整指南, a comprehensive e-book that walks you through every step of the home buying journey. Whether you are a first-time home buyer or an experienced homeowner, this jargon-free roadmap will help you confidently buy the home of your dreams.
需要额外的刺激? 安排一个 总按揭检讨 to keep moving forward with confidence and ensure you avoid the most common home buyer mistakes. We’ll pair you with an expert home buying coach that understands your needs and can answer any home buying questions you may have.
来源:
http://online.wsj.com/articles/nine-reasons-to-love-your-mortgage-1406420252?mod=Your_Money_newsreel_2
http://www.《bat365》.com/2012/10/15/business/reverse-抵押贷款s-costing-some-seniors-their-homes.html?pagewanted =所有&_r=0
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