ʻO nā ʻano hōʻaiʻē moraki maikaʻi loa
Ua hoʻomaka ʻo ING Direct ma ke ʻano he panakō ʻEulopa. He moʻolelo lōʻihi kona o ka hana ʻana i ka ʻoihana ma waena o ka ʻāina a loaʻa iā ia kekahi mau lālā hanohano, me ka Barings Bank hanohano o Great Britain. Ua komo ʻo ia i ka mākeke panakō US ma ke ʻano he panakō pūnaewele pololei e hāʻawi ana i nā huahana he nui, e komo pū ana me ka uku uku nui ʻo Orange Savings Account a me nā huahana moraki ma o kāna hui ʻo Orange Mortgage.
Ua loaʻa ʻo ING Direct e Capital One ma Pepeluali 15, 2012. ʻO Capital One kahi hui lawelawe kālā mea kūʻai aku ma US nui i ʻike ʻia no kāna mau makana kāleka hōʻaiʻē. Ma muli o ka loaʻa ʻana, e hoʻomau mau ana nā huahana moraki a ING Orange a lilo i ʻoi aku ka hoʻokūkū.
He hoʻokūkū loa ka uku moraki ING. I kēia manawa, hāʻawi wale lākou i nā huahana ARM, no laila, aia kā lākou moraki ma ka haʻahaʻa o ka pālākiō. Eia kekahi, mālama lākou i kahi kulekele no ka uku ʻole ʻana i nā helu, e hoʻohui i ko lākou kūlana o nā uku haʻahaʻa.
Hāʻawi ʻo ING Direct i ʻelua mau huahana hoʻolimalima hou. ʻO lāua ʻelua nā moraki helu ʻokoʻa, i uku ʻia e like me Mortgages Orange 5/1 a me 7/1. Hāʻawi lākou i kahi manawa paʻa o ʻelima a ʻehiku mau makahiki a laila hoʻoponopono i hoʻokahi manawa i ka makahiki. ʻOiai paha he mea maikaʻi ʻole lākou, no ka mea ʻaʻole lākou he mau hōʻaiʻē kuʻuna 30-makahiki, hōʻike ʻo ING e hoʻohālikelike maoli lākou i ke ola maʻamau o kahi moraki no kahi mea hale ʻAmelika. I nā huaʻōlelo ʻē aʻe, inā e mālama wale ʻoe i kāu moraki no ʻelima a ʻehiku mau makahiki, ʻaʻole kūpono ke uku i kahi kiʻekiʻe kiʻekiʻe e laka i ka hōʻaiʻē no kahi manawa lōʻihi. Inā ʻoe e ʻimi nei i kahi hopena lōʻihi, pono e nānā i nā panakō e hāʻawi ana i nā moraki paʻa. ʻO ARMS ka hopena pōkole, maikaʻi loa no ka poʻe nona ka hale i loaʻa kahi hōʻaiʻē jumbo, e hoʻolālā e neʻe koke, a i ʻole ke kokoke e pau ke ola o kā lākou moraki kūʻai.
ʻOi aku ka maikaʻi o ka hōʻaiʻē home
Ke hoʻohālikelike ʻia me nā panakō nui ua hana ʻokoʻa lākou. ʻAʻohe o lākou lālā a i ʻole ATM. Akā, hana nui lākou ma ka pūnaewele a hāʻawi i nā waihona i kā lākou mea hōʻaiʻē ma kekahi mau ala akamai.
Hōʻole ʻo ING i ka hāʻawi ʻana i nā kumukūʻai ʻoi aku ka maikaʻi i kāna mau mea kūʻai aku i kēia manawa, ʻoi aku ka nui o ka uku ukupanee. E nānā mau mākou i ke ʻano o kā mākou mea kūʻai aku a pono mākou e hoʻihoʻi hou i kā lākou hōʻaiʻē i kahi mea hāʻawi ʻē aʻe ma hope o kekahi mau makahiki, i ʻole e uku nui ana kā mākou mea kūʻai.
ʻO kā ING's Orange Advantage Home Loan kā lākou hōʻaiʻē kaulana loa. He pūʻolo ʻoihana me kahi moʻokāki hoʻomaʻemaʻe 100% a me nā uku panee nui inā ʻaiʻē ʻoe ma mua o $500.000 a i ʻole $1.000.000 a loaʻa kahi waihona nui.
ʻO ka ING Mortgage Simplifier kahi hōʻaiʻē maʻamau me ka ʻole o ka waihona hoʻomaʻemaʻe. Ma muli o nā hāʻawi a ING, hiki ke loaʻa nā kumukūʻai haʻahaʻa like me ka Orange Advantage a i ʻole ke kumu kūʻai iki.
ʻO kahi pilikia maʻamau ma Australia ʻo ka nānā wale ʻana o ka poʻe i nā uku ukupanee i hāʻawi ʻia akā mālama ʻole i nā kulekele hōʻaiʻē o kahi mea hāʻawi. Aia kekahi mea hāʻawi kālā ʻē aʻe me ka uku nui e hiki ke kōkua i ka hapa nui o ka poʻe i hoʻokō ʻole i nā alakaʻi ING.
ʻŌlelo mai Ing.
'Ōlelo Aʻo: Pili wale kēia helu hoʻohālikelike i ka laʻana a i ʻole nā laʻana i hōʻike ʻia. ʻO nā kālā like ʻole a me nā huaʻōlelo e hāʻawi i nā ʻano hoʻohālikelike like ʻole. ʻAʻole i hoʻokomo ʻia nā kumukūʻai, e like me ka hoʻihoʻi ʻana a i ʻole ka uku mua ʻana, a me ka mālama kālā, e like me ka hoʻokuʻu ʻana i ka uku, i ka helu hoʻohālikelike, akā hiki ke hoʻololi i ke kumukūʻai o ka hōʻaiʻē. ʻO ke ʻano hoʻohālikelike i hōʻike ʻia no kahi hōʻaiʻē i hoʻopaʻa ʻia me nā haʻawina o kēlā me kēia mahina o ke kumupaʻa a me ka ukupanee no $150.000 ma mua o 25 mau makahiki.
Haʻaheo mākou iā mākou iho i nā mea hana a me nā ʻike a mākou e hāʻawi ai, a ʻaʻole like me nā pūnaewele hoʻohālikelike ʻē aʻe, hoʻokomo pū mākou i ke koho e ʻimi i nā huahana āpau i kā mākou waihona, me ka nānā ʻole inā he pilina ʻoihana mākou me nā mea hoʻolako o ia mau huahana a ʻaʻole paha.
i ka hōʻaiʻē philippines
Aia ka ʻāpana panakō i ka hoʻomaka ʻana o kāna huakaʻi hoʻololi i ke aniau. Ua hana mua nā panakō he nui i nā hoʻopaʻa hoʻokuʻu ʻole, akā no ka hapa nui, ua hoʻomaka wale ka hana paʻakikī. Ke kū nei lākou i ka nānā ʻana o nā waihona kālā hōʻaiʻē, ka hoʻohui ʻana i nā ʻikepili hou a me nā koi hoʻolaha e ulu mau nei, a me nā hoʻoholo paʻakikī e pili ana i nā mea kūʻai aku ʻaʻole hiki iā lākou ke kākoʻo hou.
He hana koʻikoʻi ia e pili ana i nā pūʻali aʻoaʻo, nā loea fintech, a me nā hola hana he nui. Pono e hoʻoholo pinepine ʻia me ka ʻike piha ʻole. ʻO ka nui o nā ʻenehana hou a i ʻole nā mea ʻē aʻe i nā ʻāpana e like me ke kūkulu ʻana, ka mokulele a i ʻole ka aila a me ke kinoea ʻaʻole i hiki ke hiki. ʻAʻole i hoʻokumu nā aupuni i nā ala hoʻololi paʻa i ka ea, a i ka nalo ʻana a i ʻole ka loaʻa ʻole o ka ʻikepili, pono nā panakō e hilinaʻi i nā ʻike i manaʻo ʻia.
Akā ʻoiai kēia mau pilikia, ua loaʻa i ka hui Dutch ING i nā pahuhopu hoʻemi kalapona e uhi ana ma kahi o ka hapalua (45%) o kāna waihona hōʻaiʻē € 600.000bn, me ka 70% o kāna puke moraki, a ke hele nei ʻo ia e hoʻohālikelike i kāna kōpili hōʻaiʻē honua i ka net zero e. 2050 a ʻoi aku paha. ʻO kēia ka mea i ʻoi aku ma mua o ka nui o kāna mau hoa, e like me ka nānā ʻana e Capital Monitor.
