Hele ka Loan
He 25 makahiki ka awelika o ka uku no ka moraki. Eia nō naʻe, e like me ka noiʻi ʻana e ka mea hoʻolimalima moraki L&C Mortgages, ua pālua ka helu o nā mea kūʻai mua o kahi moraki 31 a 35 mau makahiki ma waena o 2005 a me 2015.
E ʻōlelo mākou ke kūʻai nei ʻoe i kahi waiwai £250.000 ma kahi 3% a loaʻa iā ʻoe kahi waihona 30%. ʻO ka hōʻaiʻē ʻana i ka £175.000 ma luna o 25 mau makahiki e uku ʻia ʻoe i ka £830 i kēlā me kēia mahina. Inā hoʻohui ʻia ʻelima mau makahiki, e hoʻemi ʻia ka uku mahina i 738 paona, aʻo ka moraki 35 makahiki he 673 paona wale nō i ka mahina. ʻO ia ka 1.104 paona a i ʻole 1.884 paona i emi iho i kēlā me kēia makahiki.
Eia naʻe, pono e nānā i ka ʻaelike moraki e ʻike inā hiki iā ʻoe ke overpay. ʻO ka hiki iā ʻoe ke hana me ka ʻole o ka hoʻopaʻi e hāʻawi iā ʻoe i ka maʻalahi inā loaʻa iā ʻoe kahi hoʻonui a i ʻole ka makani o ke kālā. Hiki iā ʻoe ke uku i ka huina aelike inā paʻakikī nā manawa.
Pono e no'ono'o, no ka mea, e ho'opōkole 'ia ka lō'ihi o ka moraki i kēlā me kēia kālā keu āu e ho'okomo ai i loko o kāu moraki.
hōʻaiʻē ukupanee
I ka piʻi ʻana o ka makahiki awelika o nā mea kūʻai mua, ʻoi aku ka nui o nā mea noi moraki e hopohopo e pili ana i nā palena makahiki. ʻOiai hiki i ka makahiki ke lilo i kumu e noʻonoʻo ai i ka noi ʻana i moraki, ʻaʻole ia he mea keakea i ke kūʻai ʻana i home. Ma ka ʻaoʻao ʻē aʻe, pono e ʻike nā mea noi ma luna o 40 mau makahiki e mālama ʻia ka lōʻihi o kā lākou moraki a hiki ke hoʻonui ʻia nā uku o kēlā me kēia mahina.
ʻAʻole pilikia ka lilo ʻana i mea kūʻai mua ma mua o 40. Nui nā mea hāʻawi kālā e noʻonoʻo i kou mau makahiki ma ka hopena o ka manawa moraki, ma mua o ka hoʻomaka. ʻO kēia ke kumu o ka hāʻawi ʻia ʻana o nā moraki ma muli o kāu loaʻa kālā, i hoʻokumu pinepine ʻia ma ka uku. Inā hoʻomaha ʻoe i ka wā e uku ana i ka moraki, pono ʻoe e hōʻike ua lawa kāu kālā ma hope o ka hoʻomaha ʻana e hoʻomau i ka uku ʻana i ka moraki.
ʻO ka hopena, ʻoi aku ka pōkole o kāu manawa moraki, me ka lōʻihi o 70 a 85 mau makahiki. Eia nō naʻe, inā ʻaʻole hiki iā ʻoe ke hōʻike i kāu kālā ma hope o ka hoʻomaha ʻana e uhi i kāu uku moraki, hiki ke hoʻohaʻahaʻa ʻia kāu moraki i ka makahiki hoʻomaha aupuni.
Moraki Jumbo
ʻO Justin Pritchard, CFP, he kākā'ōlelo uku a he loea kālā pilikino. Hoʻopili i ka panakō, nā hōʻaiʻē, nā hoʻopukapuka, nā moraki a me nā mea hou aku no The Balance. Loaʻa iā ia kahi MBA mai ke Kulanui o Colorado, a ua hana ʻo ia no nā uniona hōʻaiʻē a me nā ʻoihana kālā nui, a me ke kākau ʻana e pili ana i ke kālā pilikino no nā makahiki he ʻelua.
He loea a me ka mea hoʻonaʻauao ʻo Charles ma mua o 30 mau makahiki o ka hoʻomohala ʻana i nā papahana hoʻomaʻamaʻa hohonu no ka poʻe ʻoihana kālā. Ua aʻo ʻo Charles ma nā ʻoihana like ʻole me Goldman Sachs, Morgan Stanley, Societe Generale a me nā mea hou aku.
Eia naʻe, no ka mea he 10 makahiki ka lōʻihi o ka hōʻaiʻē, ʻoi aku ka liʻiliʻi o nā uku o ka mahina ma kahi moraki 40 mau makahiki ma mua o kahi hōʻaiʻē 30 makahiki, a ʻoi aku ka nui o ka ʻokoʻa ke hoʻohālikelike ʻia me kahi hōʻaiʻē 15 makahiki. ʻO nā uku liʻiliʻi e hoʻonani i kēia mau hōʻaiʻē lōʻihi i ka poʻe kūʻai mai:
No ka mea ʻaʻole like nā moraki 40 makahiki, ʻoi aku ka paʻakikī o ka loaʻa. ʻAʻole hiki iā ʻoe ke loaʻa i kahi hōʻaiʻē FHA makahiki 40, a ʻaʻole nui nā mea hāʻawi kālā nui e hāʻawi i nā hōʻaiʻē no nā makahiki he 30. Pono ʻoe i kahi hōʻaiʻē maikaʻi e hiki ai ke loaʻa iā ʻoe, a ʻoi aku ke kiʻekiʻe o ka uku paneʻe ma kēia mau hōʻaiʻē.
Hiki iaʻu ke loaʻa i kahi moraki 35 makahiki ma 40?
ʻO ke koho ʻana i kahi moraki he mea nui ia o ke kaʻina hana kūʻai hale. ʻO ke koho ʻana i kahi moraki 15-makahiki ma kahi o ka ʻōlelo kuʻuna 30-makahiki ke kani nei me he neʻe akamai, ʻaʻole? ʻAʻole pono. ʻO ke koho ʻana i kahi manawa moraki pōkole loaʻa kekahi mau pōmaikaʻi mālama kālā. Eia nō naʻe, inā haʻahaʻa loa kāu loaʻa kālā no kahi manawa 15-makahiki, ʻoi aku ka liʻiliʻi o ka moraki 30 makahiki i kēlā me kēia mahina. Inā ʻaʻole ʻoe i hoʻoholo e pili ana i ke ʻano o ka moraki e koho ai, e nānā i lalo e ʻike i ka mea kūpono iā ʻoe.
ʻO ka ʻokoʻa nui ma waena o 15-makahiki a me 30-makahiki mau moraki ke ʻano o ka hōʻiliʻili ʻana o nā uku a me ka ukupanee. Me kahi moraki 15 makahiki, ʻoi aku ka nui o kāu uku o kēlā me kēia mahina, akā e emi ana ʻoe i ka uku panee holoʻokoʻa. Me kahi moraki 30-makahiki, ʻo ka mea ʻē aʻe ka hihia. E hoʻopau ʻoe i ka uku hou aku no kou hale ma muli o ka ukupanee. Akā ʻoi aku ka haʻahaʻa o ka uku moraki.
Ke ho'āʻo nei e hoʻoholo i ka manawa o ka moraki, e noʻonoʻo i ka mea maikaʻi loa no kāu kālā. E ho'āʻo e kaupaona i ka huina kālā. Eia kekahi laʻana, e ʻōlelo mākou makemake ʻoe e ʻaiʻē i $150.000 e kūʻai i hale. Hiki iā ʻoe ke koho ma waena o kahi moraki 15 mau makahiki ma 4,00% a i ʻole 30 mau makahiki moraki ma 4,50%. Ma ka papahana 15 makahiki, ʻo kāu uku e pili ana i $1.110 i kēlā me kēia mahina, ʻaʻole me ka ʻinikua a me nā ʻauhau. E hoʻopau ʻoe i ka uku kokoke i $50.000 i ka ukupanee i ke ola o ka hōʻaiʻē.
