He aha ke komisina wehe o kahi hōʻaiʻē?
ʻO ka hapa nui o nā mea hōʻaiʻē moraki e uku i ka uku kumu, ʻo ia ka mea maʻamau ma kahi o 1% o ka huina kālā o ka hōʻaiʻē. ʻO ke kumu o kēia komisina e uhi i nā lilo e like me ka hana ʻana o ka noi, ke kau inoa ʻana o ka hōʻaiʻē a me nā lawelawe hoʻokele ʻē aʻe i hāʻawi ʻia e ka mea hāʻawi.
ʻOiai he pōmaikaʻi ka mālama ʻana i ke kālā no ka poʻe ʻaiʻē, e nānā pono i nā uku ʻē aʻe a me ka uku panee e kiʻi i ke kiʻi piha o nā kumukūʻai hōʻaiʻē. Hiki i nā mea hōʻaiʻē ke hāʻawi i ke kumukūʻai o ke komisina kumu i nā mea hōʻaiʻē ma nā ʻano ʻē aʻe, no laila he mea nui e nānā i ka APR, e hōʻike iā ʻoe i ka huina o ka hōʻaiʻē.
ʻO ke ala maikaʻi loa e loaʻa ai kahi manaʻo kūpono o nā kumukūʻai hōʻaiʻē ʻo ka loaʻa ʻana o kahi ʻōlelo i ka manawa o ke noi. Ma muli o ka hilinaʻi nui o ka uku paneʻe i kāu helu ʻaiʻē a me ka ratio ʻaiʻē i ka loaʻa kālā, pono ʻoe e hāʻawi i ka ʻike kālā a me ka waiwai no ka loaʻa ʻana o kahi koho hōʻaiʻē.
Pono ʻoe e kūʻai a puni no ka mea hāʻawi kālā e loaʻa ka uku moraki maikaʻi loa. Hiki iā ʻoe ke hoʻohana i nā koho hōʻaiʻē he nui ma ke kūkākūkā ʻana me nā mea hāʻawi kālā e ʻike inā e kūlike a hoʻohaʻahaʻa paha lākou i ka manaʻo haʻahaʻa i loaʻa iā ʻoe, ma o ka hoʻohaʻahaʻa ʻana i ka uku paneʻe a i ʻole ka hōʻemi ʻana i kekahi mau uku, e like me nā uku noi.
Pnc banako moraki
He lawelawe hoʻohālikelike kūʻokoʻa mākou i kākoʻo ʻia e hoʻolaha. ʻO kā mākou pahuhopu ke kōkua iā ʻoe e hana i nā hoʻoholo kālā ʻoi aku ka maikaʻi ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka ʻae ʻole, a e ʻae iā ʻoe e alakaʻi i ka noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
ʻO nā hāʻawi i hōʻike ʻia ma kēia pūnaewele mai nā hui e uku mai iā mākou. Hiki i kēia uku ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kēia pūnaewele, me ka laʻana, ke ʻano o ke ʻano e ʻike ʻia ai i loko o nā papa inoa. Akā ʻaʻole pili kēia uku i ka ʻike a mākou e paʻi ai, a me nā loiloi āu e ʻike ai ma kēia pūnaewele. ʻAʻole mākou e hoʻokomo i ka honua o nā hui a i ʻole nā haʻawina kālā i loaʻa iā ʻoe.
He lawelawe hoʻohālikelike kūʻokoʻa mākou i kākoʻo ʻia e hoʻolaha. ʻO kā mākou pahuhopu ke kōkua iā ʻoe e hoʻoholo i nā hoʻoholo kālā ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka pahuhopu, a hiki iā ʻoe ke alakaʻi i ka noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
Nā ʻano o nā moraki Bank of America
Pure Mortgage Broker: A Pure Mortgage Broker (PMB) hana wale ma ke ano he agena. Hui pū kekahi PMB me kahi mea hōʻaiʻē a loaʻa i kā lākou ʻike kālā. Hoʻokomo kālā ka mea hōʻaiʻē i ka PMB e uku i nā koina o nā ʻaoʻao ʻekolu. Hoʻokomo ʻia kēia kālā i kahi waihona hilinaʻi. Ma hope o ka loaʻa ʻana o ka ʻike e pono ai mai ka mea hiki ke hōʻaiʻē, hoʻomākaukau ka OMP i ka noi hōʻaiʻē a "pale" iā ia i waena o nā mea hāʻawi kālā. Inā ʻae ʻia ka noi e ka mea hāʻawi kālā a pani ʻia ka hōʻaiʻē, loaʻa i ka OGP kahi komisina no kēia mau lawelawe. Ua kapa pinepine ʻia kēia uku ma ke ʻano he "hōʻaiʻē kumu" no ka hoʻonohonoho ʻana i ka hōʻaiʻē no ka mea ʻaiʻē. ʻO ke komisina i loaʻa e ka PMB e pili ana i ka ʻauhau B&O ma lalo o ka hoʻokaʻawale ʻauhau o nā lawelawe a me nā hana ʻē aʻe.
Correspondent Mortgage Broker: ʻO ka Correspondent Mortgage Broker (CMB) e hōʻaiʻē ma kona ʻaoʻao me nā kālā i hāʻawi ʻia e kahi panakō a i ʻole hui ʻē aʻe. Pono ka WBC e hoʻoili i ka hōʻaiʻē i ka hui like a i ʻole ma kona inoa. ʻIke ʻia ka CMB ma nā palapala pani e like me ka mea hāʻawi. I kēia hihia, pono ka BMC e hoʻoili i ka hōʻaiʻē i, a i ʻole ma ka inoa o, ka mea nāna e hāʻawi i ke kālā iā ʻoe. No laila, ʻo ka OGC he ʻelele wale nō o ka mea hāʻawi kālā a ʻaʻole ia e mālama i ka pilikia o ka fluctuations o ka uku panee, etc. ʻO ke komisina, ka mea maʻamau i ke komisina kumu hōʻaiʻē, i loaʻa e ka microfinance institution e kau ʻia i ka ʻauhau ma nā hana waiwai ma ke ʻano o nā lawelawe a me nā hana ʻē aʻe.
pākuʻi
ʻO ka uku hoʻomaka moraki he uku mua i uku ʻia e ka mea hāʻawi kālā no ka hoʻoponopono ʻana i kahi noi hōʻaiʻē hou. ʻO ke komisina he uku no ka hoʻokō ʻana i ka hōʻaiʻē. Kuhi ʻia nā uku kumu hōʻaiʻē ma ke ʻano he pākēneka o ka nui o ka hōʻaiʻē, a ma waena o 0,5% a me 1% o kahi hōʻaiʻē home US.
Hiki ke hoʻohālikelike ʻia nā uku moraki mai ka poʻe hāʻawi kālā me ka hoʻohana ʻana i ka helu moraki. Hoʻonohonoho ʻia kēia mau uku ma mua a piʻi koke i ka pani ʻana. Pono lākou e helu ʻia ma ka ʻōlelo hope.
Loaʻa pinepine nā mea hōʻaiʻē i nā uku kumu kumu nui a me nā uku hoʻolaha hoʻolaha (YSPs) ma waena o ka hopena o 1990s a me waena o 2000s no ke kūʻai ʻana aku i ka mea ʻaiʻē i ka uku pānaʻi kiʻekiʻe. ʻO ka poʻe hōʻaiʻē me ka hōʻaiʻē liʻiliʻi a i ʻole ka loaʻa kālā hiki ʻole ke hoʻopaʻa ʻia e nā mea hāʻawi subprime predatory. Hoʻolimalima pinepine kēia mau mea hāʻawi kālā i nā uku kumu a hiki i ka 4% a i ka 5% o ka nui o ka hōʻaiʻē, e loaʻa ana nā tausani o nā kālā hou ma PSJs.
Ua hoʻoholo ke aupuni i nā kānāwai hou ma hope o ka pilikia kālā o 2007-08. Ua kaupalena kēia mau kānāwai pehea e uku ʻia ai nā mea hāʻawi kālā. Hoʻoikaika ka manaʻo o ka lehulehu i nā mea hāʻawi kālā e kāohi i nā hana i waiwai ai lākou i ka wā o ka ulu ʻana o ka hale. Ua hōʻemi ʻia nā komisina kumu i ka awelika o 1% a i ʻole.
