{"id":8422,"date":"2019-07-05T09:40:50","date_gmt":"2019-07-05T09:40:50","guid":{"rendered":"https:\/\/kenyahomes.co.ke\/blog\/?p=8422"},"modified":"2019-07-08T09:09:37","modified_gmt":"2019-07-08T09:09:37","slug":"home-equity-key-to-homeownership-wealth","status":"publish","type":"post","link":"https:\/\/kenyahomes.co.ke\/blog\/home-equity-key-to-homeownership-wealth\/","title":{"rendered":"Equity key to homeownership wealth"},"content":{"rendered":"\n

Want to build your wealth through home ownership? Build equity.<\/em><\/p>\n\n\n\n

Home equity is the percentage of your home\u2019s value that you own, and it\u2019s key to building wealth through homeownership. Let\u2019s take a closer look at how you can build your home equity without blowing your budget\u00a0and how to access it when you need it.<\/p>\n\n\n\n

How much equity do you have?<\/h5>\n\n\n\n

Equity is easy to calculate when you first buy a home because it\u2019s basically your down payment. For example, if you put Kes 211,250 down on a Kes 4,225,000 home, your down payment is 5% and so is your equity.<\/p>\n\n\n\n

How to build your equity<\/h2>\n\n\n\n

Here are some ways your home can create wealth for you. Some require time, money \u2014 or both. A lender can help you decide what works best for you.<\/p>\n\n\n\n

1. Let your home appreciate<\/h3>\n\n\n\n

Building equity through appreciation can take little time or a lot, depending on the market. With home prices going up like they have in recent years, appreciation has been a boon for many home owners.<\/p>\n\n\n\n

Let’s take an example that the median home value grew from Kes 1,850,000 in April 2016 to Kes 2,160,000 in April 2018. If you bought a home for Kes 1,850,000 in April 2016 with a down payment of Kes 129,050, your beginning 7% equity would have grown to 23% by April 2018.<\/em><\/p>\n\n\n\n

We calculate this by subtracting your current loan balance (Kes 1,656,000) from your home\u2019s current value (Kes 2,160,000). Then we divide the difference by your home\u2019s current value. 1\/8th of this additional 16% equity is from paying down your\u00a0mortgage, and the rest is market appreciation.<\/em><\/p>\n\n\n\n

If you waited two years and bought the same home in April 2018 with a 20% down payment of Kes 432,000, you started off with 20% equity. You also used 3.3 times more cash to make the purchase. And here\u2019s the shocker: Your\u00a0total monthly housing cost\u00a0would be the same \u2014 about Kes 10,050 in both cases.<\/em><\/p>\n\n\n\n

This example illustrates two things:<\/p>\n\n\n\n

First, the power of home appreciation. It\u2019s a lot like buying stock and benefitting as its value goes up. <\/p>\n\n\n\n

Second, waiting to \u201csave enough\u201d isn\u2019t the primary factor in determining if you can afford to buy a home. When it comes to qualifying for a loan, lenders look at your down payment. They\u2019ll also want to know how much you\u2019ll have in cash resources after closing. But there are lots of\u00a0options for low down payments\u00a0that require minimal savings.<\/p>\n\n\n\n

2. Make a larger down payment<\/h3>\n\n\n\n

You can do this but, as we\u2019ve seen, waiting to save extra cash can go against your broader financial interests if you lose the chance to build equity through appreciation. Therefore, you must strike a balance among down payment, monthly budget and savings for other priorities. A good lender can provide rate and market insight to help you do this. Moreover, consult your agent.<\/a> <\/p>\n\n\n\n

3. Make biweekly payments<\/h3>\n\n\n\n

Furthermore, make mortgage payments every two weeks instead of once a month. Over the course of a year, this will add up to 13 monthly payments instead of 12. You\u2019ll build equity faster and cutting five to six years off a 30-year mortgage. Just make sure your lender isn\u2019t charging extra for processing semimonthly payments.<\/p>\n\n\n\n

5. Cut your loan term in half<\/h3>\n\n\n\n

Take out a\u00a015-year mortgage\u00a0instead of a 30-year mortgage, and you\u2019ll build equity twice as fast. Two hints here: You\u2019ll have a significantly higher monthly payment and, because of that, you may have a tougher time qualifying.<\/p>\n\n\n\n

6. Make home improvements<\/h3>\n\n\n\n

Remember that only big improvements like new kitchens, or additional bathrooms or other rooms will\u00a0add meaningful value. Make sure the cost of such improvements will create the added value you\u2019re looking for.<\/p>\n\n\n\n

How to use your equity<\/h5>\n\n\n\n

You must borrow or sell your home to use your equity. The three most well-known ways to get to your equity through borrowing are a home equity line of credit, home equity loan or cash-out refinance.\u00a0Compare the pros and cons of each.<\/p>\n\n\n\n

Related: What is home equity? <\/a><\/p>\n\n\n\n

Although rates are rising right now, so these borrowing options might cost more in the future. Talk to your lender to determine the best approach for you.<\/p>\n","protected":false},"excerpt":{"rendered":"

Want to build your wealth through home ownership? Build equity. Home equity is the percentage of your home\u2019s value that you own, and it\u2019s key to building wealth through homeownership. Let\u2019s take a closer look at how you can build your home equity without blowing your budget\u00a0and how to access it when you need it. […]<\/p>\n","protected":false},"author":1,"featured_media":8435,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"amp_status":"","footnotes":""},"categories":[1],"tags":[],"class_list":{"0":"post-8422","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-home-improvement"},"yoast_head":"\nEquity key to homeownership wealth - Kenya Homes<\/title>\n<meta name=\"description\" content=\"Home equity is the percentage of your home\u2019s value that you own,it\u2019s key to building wealth through homeownership. 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