Pehea e noi ai no kahi hōʻaiʻē home
Loaʻa iā mākou ka uku mai kekahi mau hoa hana i hōʻike ʻia ma kēia ʻaoʻao. ʻAʻole mākou i loiloi i nā huahana āpau a i ʻole nā hāʻawi. Hiki i ka uku ke hoʻololi i ke ʻano i hōʻike ʻia ai nā makana ma ka ʻaoʻao, akā ʻaʻole pili ʻia kā mākou mau manaʻo hoʻoponopono a me nā loiloi e ka uku.
Nui a i ʻole nā huahana āpau i hōʻike ʻia ma ʻaneʻi mai kā mākou mau hoa hana e uku iā mākou i ke kōmike. ʻO kēia ke ʻano o ka loaʻa kālā. Akā ʻo kā mākou pono hoʻoponopono e hōʻoia ʻaʻole i hoʻopili ʻia nā manaʻo o kā mākou poʻe loea e ka uku. Pili paha nā ʻōlelo i nā makana e hōʻike ʻia ana ma kēia ʻaoʻao.
Pehea e loaʻa ai kahi hōʻaiʻē moraki
Nānā nā mea hāʻawi kālā i nā kumu he nui ke noi ʻoe i moraki i mea e loiloi ai i kou hiki ke uku i ka hōʻaiʻē. ʻO nā wahi koʻikoʻi i manaʻo ʻia ʻo ia ka loaʻa kālā a me ka mōʻaukala hana, ka helu ʻaiʻē, ka lakene ʻaiʻē i ka loaʻa kālā, nā waiwai, a me ke ʻano o ka waiwai i kūʻai ʻia.
ʻO kekahi o nā mea mua i nānā ʻia e nā mea hōʻaiʻē moraki ke noi ʻoe i kahi hōʻaiʻē ʻo kāu loaʻa kālā. ʻAʻohe ʻāpana kālā āu e loaʻa ai i kēlā me kēia makahiki no ke kūʻai ʻana i hale. Eia naʻe, pono e ʻike ka mea hāʻawi moraki e loaʻa iā ʻoe kahi kahe kālā paʻa e uku ai i ka hōʻaiʻē.
He kuleana koʻikoʻi kāu helu ʻaiʻē i kou hiki ke loaʻa i kahi moraki. Hōʻike ka helu ʻaiʻē kiʻekiʻe i ka poʻe hāʻawi kālā e uku ʻoe i ka manawa a ʻaʻohe ou moʻolelo o ka hōʻaiʻē nui. ʻO ka helu ʻaiʻē haʻahaʻa e hoʻolilo iā ʻoe i mea hōʻaiʻē pilikia no ka mea e hōʻike ana i nā mea hāʻawi kālā he moʻolelo paha ʻoe o ka mālama hewa ʻana i kāu kālā.
Hiki i ka helu ʻaiʻē kiʻekiʻe ke hāʻawi iā ʻoe i ke komo ʻana i nā koho mea hōʻaiʻē hou aʻe a haʻahaʻa haʻahaʻa. Inā he haʻahaʻa kāu helu, he mea maikaʻi e hoʻāʻo e hoʻonui i kāu helu ʻaiʻē no kekahi mau mahina ma mua o ka noi ʻana i kahi hōʻaiʻē.
He paʻakikī ka loaʻa ʻana o kahi moraki reddit
Aia kekahi ʻike e pili ana i ka poʻe makemake e hoʻolimalima e kūʻai. Hōʻike ka hōʻike i kēia poʻe ke kānalua nei i nā koi moraki. A ʻo ia paha ka mea e pale ai iā lākou mai ke aʻo ʻana i nā kikoʻī hou aʻe a i ʻole e hōʻea i kahi pahuhopu i ʻike ʻole ʻia.
"Ua hoʻomaka ka hoʻokele kālā ma 2008," i ʻōlelo ai ʻo ia. "A laila, ua hoʻololi nui ka ʻāpana hōʻaiʻē e hoʻoponopono i nā hoʻoponopono kālā hou, a me ka hoʻopau ʻana i kekahi mau huahana moraki. Ua hoʻololi kēia mau hoʻololi i ka nui o nā ʻoihana kālā i ʻoi aku ka conservative i kā lākou hāʻawi. Ua koʻikoʻi lākou i ke kumukūʻai pili i ka pilikia. "
Manaʻo ka nui o nā mea kūʻai aku ua maopopo ka ʻōlelo: ʻo ka mea ʻaʻole i loaʻa ka helu ʻaiʻē maikaʻi loa e uku ʻo ia i nā uku pāpā ʻole a ʻaʻohe koho e kūʻai i home. "No laila, nui nā mea kūʻai makemake i manaʻo ʻaʻole kūʻai i hale i kā lākou hoʻolālā. ʻAʻole hiki ke ʻoi aku ka ʻoiaʻiʻo, "hoʻohui ʻo Stapleton.
“Aʻo maʻamau ka ʻike kālā iā ʻoe iho. ʻAʻole hiki mai nā helu hōʻaiʻē, nā pūlāwai, nā kumu moraki, a me ke koena puke helu. Pono ʻoe i ka makemake e aʻo a me kekahi mea ʻike e aʻo iā ʻoe,” wahi a Ailion.
No ke aha i paʻakikī loa ka loaʻa ʻana o kahi moraki i kēia lā?
Ke kūʻai ʻana i hale, ʻo ka pilikia mua e lanakila ai ʻo ia ka hōʻoiaʻiʻo ʻana i kahi mea hoʻolimalima moraki e kau i ke kālā e pono ai. ʻOiai he mea maʻalahi ke kaʻina hana ʻae ʻia home, ʻo ka ʻoiaʻiʻo he nui nā pilikia moraki e hiki ke pale iā ʻoe mai ka loaʻa ʻana o ke kālā āu e pono ai.
ʻOiaʻiʻo, e like me Bankrate, ua hōʻole ʻia ka 30% o nā noi moraki. Eia naʻe, ʻo ka mea i ʻōlelo mua ʻia he mea kaua, no laila ke manaʻolana nei mākou e ʻae kēia mau ʻōlelo aʻoaʻo iā ʻoe e hui pū me ka hauʻoli 70% e heʻenalu me ka pilikia ʻole.
ʻO FICO, ʻo ia ka acronym makaʻu pinepine akā ʻike ʻole ʻia, kū maoli ʻo ia no Fair Isaac Corporation, ʻo ia kekahi o nā hui e hāʻawi i nā lako polokalamu no ka helu ʻana i kāu helu ʻaiʻē. Hōʻike ʻia kēia mau helu e nā ʻoihana ʻaiʻē ʻekolu: Equifax, TransUnion, a me Experian.
E helu ana nā mea hōʻaiʻē moraki i nā huahelu e loaʻa ai kahi pae hoʻohālikelike a lākou e makemake ai e hoʻomaka e kamaʻilio me ka pipi. ʻOiai, i ka wā ma mua, hiki i ka poʻe hōʻaiʻē me nā helu hōʻaiʻē maikaʻi ʻole (maʻamau <640) hiki ke loaʻa i nā hōʻaiʻē moraki, ʻo ia ka fiasco i hoʻokumu ai i ka huaʻōlelo "subprime mortgage crisis" (subprime pili i ka helu ʻaiʻē a ka mea hōʻaiʻē). I kēia lā, pono ʻoe i ka helu awelika ma kahi o 680, a ʻo 700+ ka mea maikaʻi loa. Eia kekahi mau ʻōlelo aʻoaʻo e hoʻonui i kāu helu ʻaiʻē.
