ʻO ka manawa pōkole loa o ka moraki
ʻO ka moraki kahi ʻano hōʻaiʻē kahi e hoʻohana ʻia ai ka waiwai paʻa ma ke ʻano he kolala. Hoʻohana pinepine ʻia kahi moraki no ke kālā ʻana i kahi home a i ʻole waiwai waiwai, no laila ʻaʻole pono ʻoe e uku i ka huina holoʻokoʻa ma mua. Hoʻihoʻi ka mea hōʻaiʻē i ka hōʻaiʻē, me ka ukupanee a me ke kumupaʻa, i kekahi manawa ma o ke ʻano o nā "hōʻaiʻē." Hoʻopaʻa inoa ʻia ka mea hāʻawi kālā ma ka inoa o ka waiwai a hiki i ka mea nāna e hōʻaiʻē e uku piha i ka hōʻaiʻē.
Paʻa Paʻa: He ʻano moraki kēia i hoʻopaʻa ʻia ka uku paneʻe no kekahi manawa, ma waena o hoʻokahi a me ʻelima mau makahiki. No laila inā piʻi a i lalo paha nā uku o ka mea hāʻawi, e uku ʻoe i nā uku hōʻaiʻē moraki like no ka manawa paʻa paʻa.
ʻO kahi moraki i hoʻopaʻa ʻia he koho kūpono no ka poʻe e makemake e hoʻopaʻa kālā me ka palekana. Hiki iā ia ke lilo i koho maikaʻi no ka poʻe kūʻai hale mua e hoʻololi i ka hana maʻamau o ka uku ʻana i ka hōʻaiʻē, a me nā mea hoʻopukapuka e makemake ana e hōʻoia i ke kahe kālā maikaʻi a mau i kā lākou waiwai waiwai.
Ka lōʻihi o ka moraki
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.
helu moraki
Hōʻike nā alakaʻi hōʻaiʻē FHA ʻaʻole koi ʻia ka mōʻaukala mua ma ke kūlana o kēia manawa. Eia nō naʻe, pono e kākau ka mea hāʻawi kālā i ʻelua makahiki o ka hana ma mua, ke kula, a i ʻole ka ʻoihana koa, a wehewehe i nā hemahema.
Pono ka mea noi e kākau i ka mōʻaukala hana no nā makahiki ʻelua i hala. ʻAʻohe pilikia inā hoʻololi ka mea noi kālā i nā hana. Eia nō naʻe, pono e wehewehe ka mea noi i nā hakahaka a i ʻole nā loli nui.
Eia hou, inā e emi kēia uku hou i ka manawa, hiki i ka mea hāʻawi ke hōʻemi iā ia, me ka manaʻo ʻaʻole e mau ka loaʻa kālā i ʻekolu mau makahiki. A me ka ʻole o ʻelua makahiki o ka uku ʻana i ka manawa keu, ʻaʻole paha e ʻae ka mea hāʻawi iā ʻoe e koi iā ia ma kāu palapala moraki.
Aia nā ʻokoʻa. No ka laʻana, inā hana ʻoe no ka hui like, hana i ka hana like, a loaʻa ka loaʻa like a ʻoi aku ka maikaʻi, ʻaʻole e hōʻeha iā ʻoe ka hoʻololi ʻana i kāu ʻano uku mai ka uku a i ke komisina piha a hapa paha.
I kēia mau lā, ʻaʻole ia he mea maʻamau ka hoʻomau ʻana o nā limahana i ka hana no ka hui like a lilo i "consultants", ʻo ia hoʻi, he hana pilikino lākou akā loaʻa ka loaʻa kālā like a ʻoi aku paha. Hiki paha i kēia poʻe noi ke hele a puni ka lula ʻelua makahiki.
He aha ka moraki no ka wā pōkole?
Loaʻa kēia manaʻo hui ma o nā mea waena wale nō. No ka ʻike e pili ana i ka waiho ʻana i nā noi like ʻole no The Mortgage Works a me NFI, e ʻoluʻolu e heluhelu i kā mākou Let to Buy i ke alakaʻi faila.
No ke kōkua ʻana iā mākou e hana i kāu noi, e ʻoluʻolu e hoʻouna i kāu noi ma mua o 15 mau lā ma mua o ka pau ʻana o ka hāʻawi. Inā ʻike ʻoe ʻaʻole hiki i kāu mea kūʻai ke hoʻopau i ka hāʻawi i loko o ka manawa hoʻonui, e ʻoluʻolu e hoʻopiha i kahi noi hou, no ka mea ʻaʻole e loaʻa nā hoʻonui hou.
ʻae ʻia. Hoʻohana ʻia ke hoʻopau ka mea noi i kahi moraki no ka huina like a ʻoi aku paha me ka mālama ʻana i ka uku pānaʻi like no kēlā ʻāpana o ka moraki hou me ka loaʻa ʻole o ka uku uku mua. Ma muli o ka hoʻokō ʻana i nā koina hōʻaiʻē ʻoihana i ka manawa o ke noi.
ʻAʻole ʻae ʻia nā noi e kūʻai i nā waiwai i loaʻa ma o nā hui hoʻopukapuka waiwai. ʻO ka maʻamau, ʻo kēia nā hui e hāʻawi e kūʻai wikiwiki i kahi waiwai mai kahi mea kūʻai aku a kūʻai aku i kekahi mea kūʻai aku.
