helu moraki
ʻO kekahi o nā hoʻoholo nui loa āu e hana ai i ka wā e kokoke ana ʻoe e kūʻai i home ʻo ia inā makemake ʻoe e kiʻi i kahi moraki uku paʻa a i ʻole kahi moraki hiki ke hoʻololi ʻia (ARM). E nānā kākou i kekahi o nā ʻokoʻa a me nā mea like ma waena o lāua.
I ka hoʻomaka ʻana o ka hōʻaiʻē, e loaʻa iā ʻoe kahi uku paneʻe haʻahaʻa haʻahaʻa ma lalo o ka awelika o ka uku pānaʻi moraki. E mau ana ka ha'aha'a ha'aha'a no kekahi manawa, 'o ka helu ma'amau he 7 a me 10 makahiki. Ma hope o ka pau ʻana o ka manawa i hoʻopaʻa ʻia, e hoʻoponopono ʻia ka uku paneʻe i luna a i lalo paha ma muli o kahi kuhikuhi, e like me ka London Interbank Offered Rate (LIBOR).
Hoʻohana nā mea hōʻaiʻē moraki i kahi hoʻonohonoho kūikawā o nā hale helu e haʻi iā ʻoe e pili ana i kāu hōʻaiʻē ʻano like ʻole a me nā manawa uku. No ka laʻana, ʻo kahi ʻano maʻamau o ARM he hōʻaiʻē 5/1. Hōʻike ka helu mua iā ʻoe i ka lōʻihi o ka uku panee paʻa. Hōʻike ka helu ʻelua iā ʻoe i ka manawa e loli ai ka uku panee. I kēia hihia, hoʻololi ia i kēlā me kēia makahiki, akā inā ʻike ʻoe i kahi 6 ma kahi o 1, a laila hoʻololi ka helu i kēlā me kēia 6 mahina ma hope o ka pau ʻana o ka manawa paʻa.
ʻOi aku ka maikaʻi o kahi moraki paʻa 2 a i ʻole 5 makahiki?
ʻO nā moraki i hoʻopaʻa ʻia a me nā moraki hiki ke hoʻololi ʻia (ARM) nā ʻano nui ʻelua o nā moraki. ʻOiai ke hāʻawi nei ka mākeke i nā ʻano like ʻole i loko o kēia mau ʻāpana ʻelua, ʻo ka hana mua i ke kūʻai ʻana no ka moraki ʻo ka hoʻoholo ʻana i kahi o nā ʻano hōʻaiʻē nui ʻelua i kūpono i kāu pono.
Hoʻolimalima ka moraki paʻa i ka uku panee paʻa e mau ana no ke ola o ka hōʻaiʻē. ʻOiai ʻokoʻa ka nui o ke kumupaʻa a me ka ukupanee i kēlā me kēia mahina mai ka uku ʻana i ka uku, e mau ana ka huina o ka uku, e maʻalahi ka hoʻolilo kālā ʻana i nā mea hale.
E hōʻike ana ka papa helu amortization ma lalo nei i ke ʻano o ka loli ʻana o ke kumupaʻa a me ka ukupanee i ke ola o ka moraki. Ma keia la'ana, he 30 makahiki ka manawa o ka moraki, he $100.000 ke kumu nui, a he 6% ka uku panee.
ʻO ka pōmaikaʻi nui o ka hōʻaiʻē paʻa, ʻo ia ka pale ʻana i ka mea hōʻaiʻē mai ka piʻi ʻana o ka moraki i kēlā me kēia mahina inā piʻi ka uku paneʻe. He maʻalahi ka hoʻomaopopo ʻana i nā moraki uku paʻa a ʻokoʻa iki mai ka mea hāʻawi aku i ka mea hāʻawi. ʻO ka ʻaoʻao haʻahaʻa o nā moraki i hoʻopaʻa ʻia ʻo ia ke kiʻekiʻe o ka uku paneʻe, ʻoi aku ka paʻakikī o ka loaʻa ʻana o kahi hōʻaiʻē no ka mea ʻuʻuku nā uku. Hiki i ka helu moraki ke hōʻike iā ʻoe i ka hopena o nā uku like ʻole i kāu uku mahina.
ʻO ka moraki uku paʻa maikaʻi loa
He loea ʻo Kimberly Amadeo i ka ʻoihana waiwai a me ka hoʻopukapuka kālā ma ʻAmelika Hui Pū ʻIa a me ka honua, me ka ʻoi aku o 20 mau makahiki o ka ʻike i ka loiloi waiwai a me ka hoʻolālā ʻoihana. ʻO ia ka pelekikena o ka pūnaewele waiwai ʻo World Money Watch. Ma ke ʻano he mea kākau no The Balance, hāʻawi ʻo Kimberly i ka ʻike i ke kūlana o ka hoʻokele waiwai i kēia lā, a me nā hanana i hala i loaʻa ka hopena mau loa.
Lea Uradu, JD he puka puka no ke Kulanui o Maryland School of Law, Registered Tax Preparer in the State of Maryland, State Certified Notary Public, Certified VITA Tax Preparer, Komo i ka Annual Filing Season Program o ka IRS, ka mea kākau ʻauhau a me ka mea hoʻokumu. o na Oihana Hooholo Auhau. Ua hana pū ʻo Lea me nā haneli o ka poʻe malihini a me nā mea kūʻai ʻauhau federal.
ʻO ka moraki uku paʻa he hōʻaiʻē home kahi e loli ʻole ai ka uku paneʻe no ke ola o ka hōʻaiʻē. ʻOi aku ka uku panee ma luna o ka uku hoʻopaʻa kālā i ka wā i lawe ʻia ai ka hōʻaiʻē. ʻAʻole ia e hoʻololi inā ʻaʻole e loli ka waihona kālā.
ʻO ka moraki i hoʻopaʻa ʻia he moraki e hoʻololi ʻole ai ka uku panee i ka wā e ola ana ka hōʻaiʻē. ʻOi aku ka kiʻekiʻe o ka uku paneʻe ma mua o ko ka Treasury bonds i ka manawa o ka ʻaelike ʻana i ka hōʻaiʻē. ʻAʻole ia e hoʻololi inā ʻaʻole e loli ka waihona kālā.
He aha ka ʻoi aku ka maikaʻi o ka ikehu paʻa a loli paha?
Ma muli o ka like o ka ukupanee, e ʻike mau ʻoe i ka wā e uku ai ʻoe i kāu moraki He mea maʻalahi ka hoʻomaopopo ʻana ma mua o ka moraki helu hoʻololi E maopopo ana ʻoe i ka ʻike ʻana i ka hoʻolilo kālā no kāu uku moraki. Hiki ke kōkua ka uku hoʻohaʻahaʻa iā ʻoe e loaʻa i kahi hōʻaiʻē ʻoi aku ka nui Inā emi ke kumukūʻai kumupaʻa a iho ka uku paneʻe, e hele ka nui o kāu mau uku i ke kumupaʻa Hiki iā ʻoe ke hoʻololi i kahi moraki paʻa i kēlā me kēia manawa.
ʻOi aku ka nui o ka uku panee mua ma mua o ka moraki uku hoʻololi. Ua paa ka uku panee i ka manawa o ka moraki. Inā uhaʻi ʻoe i ka moraki no kekahi kumu, e ʻoi aku ka kiʻekiʻe o nā hoʻopaʻi ma mua o ka moraki hoʻololi.
