I ka manawa hea ʻoe e hoʻomaka ai e uku ʻoi aku ka nui ma mua o ka uku?
ʻO ka moraki kahi hōʻaiʻē lōʻihi i hoʻolālā ʻia e kōkua iā ʻoe e kūʻai i home. Ma waho aʻe o ka uku ʻana i ke kapikala, pono ʻoe e uku i ka ukupanee i ka mea hāʻawi. ʻO ka hale a me ka ʻāina e hoʻopuni ana iā ia he mea paʻa. Akā inā makemake ʻoe e loaʻa kahi home, pono ʻoe e ʻike ma mua o kēia mau mea maʻamau. Pili pū kēia manaʻo i ka ʻoihana, ʻoi aku ka nui o nā kumukūʻai paʻa a me nā wahi pani.
ʻAneʻane loaʻa ka moraki ka poʻe kūʻai hale. Ua ʻōlelo pinepine ʻia nā kumukūʻai moraki ma ka nūhou ahiahi, a ʻo ka manaʻo ʻana e pili ana i ka neʻe ʻana o nā kumukūʻai kuhikuhi ua lilo ia i mea maʻamau o ka moʻomeheu kālā.
Ua puka mai ka moraki hou i ka makahiki 1934, i ka wa i hana ai ke aupuni - e kokua i ka aina ma o ke Kaumaha Nui - i ka papahana moraki e hoemi ana i ka uku mua e pono ai no ka hale ma o ka hoonui ana i ka nui o na mea nona ka hale e aie ai. Ma mua o kēlā, koi ʻia kahi 50% uku.
I ka makahiki 2022, makemake ʻia ka uku hoʻohaʻahaʻa he 20%, ʻoiai inā ʻoi aku ka liʻiliʻi o ka uku haʻahaʻa ma mua o 20%, pono ʻoe e lawe i kahi ʻinikua moraki pilikino (PMI), e hoʻonui ai i kāu uku mahina. Eia naʻe, ʻaʻole hiki ke loaʻa ka mea i makemake ʻia. Aia nā papahana moraki e ʻae i nā uku haʻahaʻa haʻahaʻa, akā inā hiki iā ʻoe ke loaʻa i kēlā 20%, pono ʻoe.
Ke emi nei ka uku moraki i ka manawa?
Akā, pehea e pili ana i nā mea hale no ka wā lōʻihi? ʻO kēlā mau makahiki 30 o ka uku ukupanee hiki ke hoʻomaka e like me ke kaumaha, ʻoiai ke hoʻohālikelike ʻia i nā uku o nā hōʻaiʻē o kēia manawa me nā uku uku haʻahaʻa.
Eia nō naʻe, me ka hoʻihoʻi kālā 15-makahiki, hiki iā ʻoe ke loaʻa ka uku uku haʻahaʻa a me kahi manawa hōʻaiʻē pōkole e uku wikiwiki ai i kāu moraki. Akā e hoʻomanaʻo i ka pōkole o ka manawa o kāu moraki, ʻoi aku ka kiʻekiʻe o nā uku o kēlā me kēia mahina.
Ma ka uku panee 5% ma luna o ʻehiku makahiki a me ʻehā mahina, e like ana kāu uku moraki i hoʻohuli hou ʻia he $135.000. ʻAʻole wale ʻo ia i mālama i $59.000 i ka ukupanee, akā loaʻa iā ia kahi waihona kālā hou ma hope o ka manawa hōʻaiʻē 30 makahiki.
ʻO kekahi o nā ala maʻalahi loa e hoʻonui i ka uku i kēlā me kēia makahiki ʻo ka uku ʻana i ka hapalua o kāu uku moraki i kēlā me kēia pule ʻelua ma mua o ka uku ʻana i ka huina piha i hoʻokahi mahina. ʻIke ʻia kēia ma ke ʻano he "uku ʻelua pule."
Eia naʻe, ʻaʻole hiki iā ʻoe ke hoʻomaka wale e uku i kēlā me kēia pule ʻelua. Hiki ke huikau kāu mea lawelawe hōʻaiʻē ma ka loaʻa ʻana o nā uku hapa a me nā uku ʻole. E kamaʻilio mua me kāu mea lawelawe hōʻaiʻē e ʻae i kēia hoʻolālā.
E emi anei kaʻu uku moraki ma hope o 5 makahiki?
Ke hoʻoholo nei ma waena o kekahi mau huahana, hiki ke maʻalahi ke hele me ka mea kaulana loa. Akā i ka wā e koho ai i ka huahana moraki kūpono no kāu mau pahuhopu, ʻo ka hele ʻana me ka koho kaulana loa ʻaʻole paha ka hoʻoholo maikaʻi loa.
Loaʻa i nā moraki kekahi manawa e uku ai i ka hōʻaiʻē. ʻIke ʻia kēia ʻo ka manawa o ka moraki. ʻO ka manawa moraki maʻamau ma ʻAmelika Hui Pū ʻIa he 30 mau makahiki. Hāʻawi kahi moraki 30 makahiki i ka mea ʻaiʻē i 30 mau makahiki e uku i kā lākou hōʻaiʻē.
ʻAʻole mālama ka hapa nui o ka poʻe me kēia ʻano moraki i ka hōʻaiʻē kumu no 30 mau makahiki. ʻO ka ʻoiaʻiʻo, ʻo ka lōʻihi maʻamau o kahi moraki, a i ʻole kona ola maʻamau, ʻoi aku ia ma mua o 10 mau makahiki. ʻAʻole kēia no ka uku ʻana o kēia poʻe ʻaiʻē i ka hōʻaiʻē i ka manawa kākau. Hiki i nā mea hale ke hoʻolimalima hou i kahi moraki hou a kūʻai paha i hale hou ma mua o ka pau ʻana o ka manawa. Wahi a ka National Association of REALTORS® (NAR), manaʻo wale ka poʻe kūʻai e noho ma ka home a lākou e kūʻai ai no ka awelika o 15 mau makahiki.
No laila no ke aha ke koho 30-makahiki i ka manawa maʻamau no nā moraki ma ʻAmelika Hui Pū ʻIa? ʻO kona kaulana e pili ana i nā kumu like ʻole, e like me ka uku pānaʻi moraki o kēia manawa, ka uku o kēlā me kēia mahina, ke ʻano o ka hale i kūʻai ʻia, a i ʻole nā pahuhopu kālā o ka mea ʻaiʻē.
Pehea ka lōʻihi e uku ʻia ai ka ukupanee ma kahi moraki 30 makahiki?
I ka makahiki 2020, ua piʻi nā kumukūʻai moraki o ʻAmelika i nā haʻahaʻa haʻahaʻa, ua hoʻonui ʻia ke kūʻai aku ʻana i nā hale a puni ka makahiki. Hōʻike ka ʻikepili Freddie Mac e hāʻule ka uku paneʻe ma nā moraki paʻa 30-makahiki, me ka ʻole o nā uku a me nā helu, hāʻule ma lalo o 3% i Iulai 2020 no ka manawa mua ma ka moʻolelo. Ma waena o kēlā mau kumukūʻai moraki, i Nowemapa 2020, ʻo 20,8% a me 25,8% ke kiʻekiʻe o nā hale kūʻai hale hou a me XNUMX%, ma mua o hoʻokahi makahiki ma mua, e like me ka ʻikepili Census Bureau a me ka National Association of Realtors.
Ua kapa ʻia ke kaʻina hana uku moraki he amortization. Loaʻa i nā moraki paʻa ka uku o kēlā me kēia mahina a pau ke ola o ka hōʻaiʻē, ʻoiai ke hoʻololi nei ka huina i uku ʻia no ke kumupaʻa a me ka ukupanee no ka mea ua helu ʻia nā uku ukupanee ma muli o ke koena o ka moraki. No laila, ho'ololi ka hapa o kēlā me kēia mahina mai ka ukupanee a i ke kumu nui i loko o ka hō'ai'ē. Aia ma lalo iho nei ka hoʻokaʻawale ʻana o ka papa hoʻopaʻa ʻana i ka hōʻaiʻē no kahi moraki 30 makahiki he $200.000 ma 4% APR.
