iam1969

일반적으로, 역모기지(Reverse Mortgage)는 대출이자율이 낮으면서 본인의 집값이 상승할때 가장 효과적이다. 반대로 대출이자율은 높으면서 본인의 집값 변동율이 적은 경우에는 과히 Perfect Storm 을 맞는것과 마찬가지다. 개인적인 뜻과는 무관하게 수년째 주택대출에 관계되는 데이타를 다루고 있는데 다른 것은 몰라도 [남의 돈 빌려 쓸때에는 왠만한 각오를 해야 된다]는 생각은 하고 있는 중이다. 간단히 말해 역모기지는 다른 방법을 찾아본 후 최후에 사용해야 하는 대출의 한 방법이다. 왜냐, 배 보다 배꼽이 더 큰것이 많은 경우 역모기지의 실상이기 때문이다. 또한 역모기기에 관련된 수수료. 보험료 등도 본인의 의사와는 무관하게 돈 빌려주는 넘 배불리는 영악한 제도이기 때문이다. 역모기지에 대한 글을 인터넷에서 하나 찾아보았다. 읽어 보시기를 권한다.

A client of mine shared this story with me. I share it with you: Shocking sticker price of a reverse mortgage I recently have been helping an elderly gentleman sell his condo and although he had said that his reverse mortgage was awful, I was not prepared for the tremendous bite a reverse mortgage takes. In the 12 2/3 years that he had the mortgage the debt rose by 4 times! Plus, in the small print, it was stipulated that he had to pay an additional amount that turned out to be 84% of the original loan.

그냥 이것만 보셔도 된다.
So, say his original loan was for $10,000,
he paid back: 4 times original $40,000
Additional amount $ 8,400
TOTAL owed $48,400
This total debt is close to 5 times the original amount borrowed in just 12 2/3 years

Rather than allowing him to feel secure as he aged, he worried about and was alarmed by the rapidity of his growing debt. The company that held his reverse mortgage was also mindful of his large debt and did monitor the value of his condo closely. There were certain conditions that he had to fulfill each year which he found a nuisance like proving insurance coverage and payment of property taxes. If he voluntarily moved as opposed to being moved for health reasons, he would be liable for any debt that was not covered by the sale of his home for his lifetime. Coincidentally, on Oct.13, 2005, Chris Olsen, of Olsen on your Side, interviewed a family that was also alarmed by the growing debt of their mother who had taken out a $30,000 CHIP reverse mortgage to make some repairs to her house. Through the wonders of compound interest in just 3 ½ years that debt had grown to $48,000! If any one is considering the options for obtaining larger incomes, I hope that they consider some of these other options first: · Take out a conventional mortgage and have the heirs of your estate take over the payments · Or have the heirs pay monthly support · Sell and live off the proceeds of investments · Rent part of it · Borrow money as needed on a line of credit If a reverse mortgage does at first glance seem attractive have an independent accountant show approximately how your debt will grow over a 10 year period. Always read the fine print and understand it fully. The elderly gentleman I had helped was very generous with his donations and I am sure would much rather of had the profits from the sale of his condo go to causes that he believed in than to a mortgage Company. So don’t be fooled by those commercials, if you hated having a mortgage when you were young you will feel the growing burden of a reverse mortgage even harder to bear.