Uku uku o na limahana
ʻO kahi ʻoihana kākoʻo aupuni (GSE) kahi hui quasi-government i hoʻokumu ʻia e hoʻomaikaʻi i ke kahe o ka hōʻaiʻē i nā ʻāpana kikoʻī o ka hoʻokele waiwai o US. Hana ʻia e nā hana a ka ʻAhaʻōlelo, ʻo kēia mau keʻena - ʻoiai he kuleana pilikino - hāʻawi i nā lawelawe kālā aupuni. Kōkua nā GSE i nā hōʻaiʻē i nā poʻe like ʻole, me nā haumāna, nā mahiʻai, a me nā mea hale.
No ka laʻana, ua hana mua ʻia ka Federal Home Loan Mortgage Corporation (Freddie Mac) ma ke ʻano he GSE i ka ʻoihana hale. ʻO kāna pahuhopu ka paipai ʻana i ka noho ʻana o ka home ma waena o nā papa waena a me nā papa hana. Manaʻo ʻia ʻo Freddie Mac he moraki GSE. ʻO nā GSE moraki ʻē aʻe e pili ana i ka Federal National Mortgage Association (Fannie Mae) a me ka Government National Mortgage Association (Ginnie Mae). Ua hana ʻia nā hui ʻelua e hoʻomaikaʻi i ke kahe o ka hōʻaiʻē ma ka mākeke hale (ʻoiai e hōʻemi ana i ke kumukūʻai o kēlā hōʻaiʻē).
Hoʻopuka pū nā GSE i nā palapala paʻa no ka wā pōkole a me ka wā lōʻihi, i kapa ʻia ʻo nā ʻoihana ʻoihana. ʻO ke kiʻekiʻe o ka manaʻo o ka mea hoʻopuka palapala hoʻopaʻa ʻoihana iā ia iho he kūʻokoʻa mai ke aupuni pekelala e hoʻololi i ke kiʻekiʻe o kona pilikia paʻamau. Hoʻokuʻu ʻia kā lākou uku ukupanee mai nā ʻauhau mokuʻāina a me nā ʻauhau ʻāina i nā mea hoʻopukapuka kālā Bond.
Uku Uku Hana Kivila o Singapore 2021
ʻO ka mea pōmaikaʻi, ke hoʻomaka nei nā mea hōʻaiʻē home hou e hoʻomaopopo ʻaʻole i loaʻa i kēlā me kēia lā kahi hana 9 a 5 a ʻaʻole hiki i nā mea āpau ke hōʻoia i kā lākou loaʻa kālā e like me kā lākou makemake. Hiki iā ʻoe ke loaʻa kahi hōʻaiʻē home!
Manaʻo nā panakō i kā lākou hōʻailona (ʻoi aku ma mua o ʻoe!) A no laila pono lākou e hōʻoia e uku ʻia ka hōʻaiʻē, a hōʻike ʻia kēia ma o nā palapala āu e hāʻawi ai iā lākou, e pili ana i kāu loaʻa kālā a me kāu hana.
Inā manaʻo ʻoe ʻaʻole lawa kāu palapala e noi ai i kahi hōʻaiʻē, e kelepona iā mākou ma 1300 889 743 a i ʻole e hoʻopiha i kā mākou palapala loiloi manuahi i kēia lā. E kōkua kā mākou mau moraki iā ʻoe e ʻae ʻia.
»…Ua hiki iā ia ke loaʻa iā mākou me ka wikiwiki a me ka haʻahaʻa haʻahaʻa loa i kahi hōʻaiʻē ma ka uku ukupanee maikaʻi ke haʻi mai kekahi iā mākou he paʻakikī loa ia. Pīhoihoi loa i kā lākou lawelawe a makemake nui i nā loea mortgage i ka wā e hiki mai ana "
“… ua maʻalahi lākou i ke kaʻina noi a me ka hoʻoponopono ʻana a me ke kaumaha ʻole. Hāʻawi lākou i ka ʻike maopopo loa a pane koke lākou i nā nīnau. Ua maopopo loa lākou ma nā ʻano āpau o ke kaʻina hana. "
Uku Uku Hana Kivila o Singapore 2022
Hiki ke hoʻokaʻawale ʻia ke kaʻina hana mua o ka moraki i mau ʻanuʻu. Hiki ke kapa ʻia ʻo ia ka moraki pre-qualification a i ʻole ka moraki pre-authorization. Loaʻa i nā mea hāʻawi kālā ʻokoʻa nā wehewehe a me nā pae hoʻohālike no kēlā me kēia pae a lākou e hāʻawi ai.
I loko o kēia kaʻina hana, nānā ka mea hāʻawi kālā i kāu kālā e ʻike i ka nui o ka nui e hiki iā lākou ke hāʻawi iā ʻoe a me ka uku ukupanee. Nīnau lākou i ka ʻike pilikino, nā palapala like ʻole, a e holo paha lākou i kahi hōʻaiʻē.
He mea nui e ʻoluʻolu ʻoe me ka mea hāʻawi a me nā koho moraki a lākou e hāʻawi ai iā ʻoe, mai ka hoʻomaka. Inā hoʻololi ʻoe i nā mea hāʻawi kālā ma hope o ke kau inoa ʻana i ka ʻaelike moraki, pono paha ʻoe e uku i ka hoʻopaʻi uku mua. E hoʻomaopopo pono ʻoe i nā ʻōlelo a me nā kūlana o kāu ʻaelike moraki.
Hāʻawi pololei kekahi mau mea hōʻaiʻē i kā lākou huahana i nā mea hōʻaiʻē, ʻoiai e loaʻa ana kekahi mau huahana moraki ma o nā brokers wale nō. No ka loaʻa ʻana o nā brokers i nā mea hāʻawi kālā he nui, hiki iā lākou ke hāʻawi i kahi ākea ākea o nā huahana moraki e koho ai.
ʻAʻole hiki i nā mea hoʻolimalima moraki ke komo i nā mea hāʻawi like. 'O ia ho'i, 'oko'a nā moraki i loa'a mai kekahi 'elele a 'ākena. I ka hana ʻana me kahi mea hoʻolimalima moraki, e nīnau i nā mea hāʻawi kālā a lākou e hana pū ai.
He kanaka lawelawe aupuni anei ke kahu ma Singapore?
Pono kēia ʻatikala i nā huaʻōlelo hou no ka hōʻoia. E ʻoluʻolu e kōkua i ka hoʻomaikaʻi ʻana i kēia ʻatikala ma ka hoʻohui ʻana i nā huaʻōlelo mai nā kumu hilinaʻi. Hiki ke hoʻohālikelike a wehe ʻia nā mea kumu ʻole. E ʻimi i nā kumuwaiwai: "Home Loan" - Nūhou - Nūpepa - Buke - Scholar - JSTOR (ʻApelila 2020) (E aʻo pehea a me ka wā e wehe ai i kēia pou mai ka template)
Hiki i nā mea hōʻaiʻē moraki ke lilo i poʻe e moraki ana i ko lākou home a i ʻole he mau hui e moraki ana i ka waiwai kalepa (e laʻana, ko lākou hale ʻoihana ponoʻī, nā hale noho i hoʻolimalima ʻia i nā mea hoʻolimalima, a i ʻole kahi waihona hoʻopukapuka kālā). ʻO ka mea hāʻawi kālā maʻamau he ʻoihana kālā, e like me ka panakō, ka hui ʻaiʻē a i ʻole kahi hui moraki, e hilinaʻi ana i ka ʻāina i nīnau ʻia, a hiki ke hana pololei ʻia nā ʻaelike hōʻaiʻē ma o nā mea waena. ʻO nā hiʻohiʻona o nā hōʻaiʻē moraki, e like me ka nui o ka hōʻaiʻē, ke oʻo ʻana o ka hōʻaiʻē, ka uku pānaʻi, ke ʻano o ka uku ʻana i ka hōʻaiʻē a me nā ʻano ʻē aʻe, hiki ke ʻokoʻa loa. ʻO nā kuleana o ka mea hāʻawi i ka waiwai i hoʻopaʻa ʻia ma mua o ka poʻe ʻaiʻē ʻē aʻe o ka mea hōʻaiʻē, ʻo ia hoʻi, inā lilo ka mea hōʻaiʻē i ka panakalupa a i ʻole ka ʻaiʻē, e loaʻa wale i nā mea ʻaiʻē ʻē aʻe ka uku o ka aie iā lākou ma ke kūʻai ʻana i ka waiwai. e uku mua ia.
