35 makahiki palena no nā moraki
Ua hoʻolaha pū ʻo Clydesdale Bank ʻo ka palena kiʻekiʻe no nā moraki uku hale noho ma mua o 85% o ka ratio loan-to-value he 35 mau makahiki. ʻO ka palena kiʻekiʻe loa no nā moraki amortization noho a hiki i ka 85% o ka ratio loan-to-value e mau ana i 40 mau makahiki. ʻAʻohe hoʻololi i kā mākou manawa kiʻekiʻe no ka ukupanee noho-wale a i ʻole nā moraki BTL, kahi i koe ai ka manawa kiʻekiʻe he 25 makahiki.
No ka hoʻopaʻa manawa me kekahi o kā mākou mau ʻōlelo aʻoaʻo moraki akamai, e hoʻopiha i kā mākou palapala noiʻi moraki a i ʻole ka nīnau nīnau a e kelepona hou mākou iā ʻoe. E ʻoluʻolu e hoʻomaopopo ma ka waiho ʻana i kēia ʻike, ke ʻae nei ʻoe e hoʻopili ʻia e pili ana i kāu pono moraki.
Hoʻoholo ʻoluʻolu ʻoe e hāʻawi iā mākou i kāu ʻikepili pilikino i ka wā e waiho ai i kahi nīnau. He hūnā kāu ʻike a mālama ʻia e like me nā koi palekana ʻikepili kūpono. E heluhelu i ke kulekele pilikino o Trinity Financial.
100 makahiki moraki ma UK
Ke huli ʻoe i 50, hoʻomaka nā koho moraki e loli. ʻAʻole kēia e ʻōlelo ʻaʻole hiki ke kūʻai aku i kahi waiwai inā ʻoe i ka makahiki hoʻomaha a kokoke paha, akā he mea nui e hoʻomaopopo i ka hopena o ka makahiki i nā hōʻaiʻē.
ʻOiai ke kau nei nā mea hoʻolako moraki i nā palena makahiki kiʻekiʻe loa, e pili ana kēia i ka mea āu e hoʻokokoke ai. Eia kekahi, aia nā mea hāʻawi kālā i loea i nā huahana moraki kahiko, a eia mākou e kuhikuhi iā ʻoe i ke ala pololei.
E wehewehe kēia alakaʻi i ka hopena o ka makahiki ma nā noi moraki, pehea e loli ai kāu mau koho i ka manawa, a me kahi ʻike o nā huahana moraki hoʻomaha. Loaʻa kā mākou mau alakaʻi no ka hoʻokuʻu kālā a me nā moraki ola no ka ʻike kikoʻī.
Ke ulu nei ʻoe, hoʻomaka ʻoe e hoʻokau i kahi pilikia nui i nā mea hoʻolako moraki maʻamau, no laila hiki ke paʻakikī ke loaʻa i kahi hōʻaiʻē ma hope o ke ola. No ke aha mai? ʻO kēia ma muli o ka hāʻule ʻana o ka loaʻa kālā a i ʻole kou kūlana olakino, a pinepine nā mea ʻelua.
Ma hope o kou hoʻomaha ʻana, ʻaʻole ʻoe e loaʻa hou ka uku maʻamau mai kāu hana. ʻOiai inā loaʻa iā ʻoe kahi penikala e hāʻule hou ai, hiki ke paʻakikī i nā mea hāʻawi kālā ke ʻike pololei i kāu e loaʻa ai. E emi ana paha kāu loaʻa kālā, e pili ana i kou hiki ke uku.
Nā ʻano o nā moraki 40 makahiki
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.
40 makahiki moraki
Hiki i nā mea hōʻaiʻē Lahui i kēia manawa ʻoi aku ka lōʻihi o ka manawa moraki ma mua o ka makahiki 75 o ka mea noi mua loa e lawe i kahi moraki hou no ke koena o kā lākou hōʻaiʻē o kēia manawa, inā e hoʻokō lākou i nā koina hōʻaiʻē ʻē aʻe (e ʻike hou ma lalo).
Inā loaʻa i kahi mea noi ke kūlana i hoʻopaʻa ʻia a i hoʻopaʻa mua ʻia a ʻaʻole i hāʻawi ʻia i kahi kāleka ʻōmaʻomaʻo biometric, ʻae ʻia ka palapala "e nānā i ke kūlana neʻe o kekahi." Hiki i ka mea noi ke loaʻa iā ia ma ka pūnaewele o ke Kuhina Kalaiaina me ka hoʻohana ʻana i kahi code hana kūikawā i hāʻawi ʻia iā ia.
Inā mai ka EU a i ʻole EEA ka mea noi, a mai Switzerland paha, ʻaʻole lākou e loaʻa i kahi kāleka e hōʻike ana i ko lākou kūlana i hoʻopaʻa ʻia a i hoʻopaʻa ʻia paha. Loaʻa ke kūlana ma ka pūnaewele a ua hōʻoia ʻia e ka palapala "E nānā i ke kūlana immigration o kekahi".
Ke pau ka palapala noi a kāu poʻe mea kūʻai aku, e loaʻa iā lākou ka leka hoʻomaopopo uku mua i loko o 7 mau lā ʻoihana e hōʻike ana iā lākou i ka uku moraki mua a i ka manawa e hoʻoili ʻia ai i kā lākou moʻokāki.
ʻOi aku paha ka uku mua o kāu mea kūʻai ma mua o kāu uku mahina maʻamau. ʻO kēia no ka mea e hoʻokomo ʻia ka ukupanee mai ka lā a mākou e hoʻokuʻu ai i ke kālā a hiki i ka hopena o kēlā mahina, me kāu uku mahina maʻamau no ka mahina e hiki mai ana.
