ʻElima kumu kumu kālā no ka hui hui
ʻO Unity Bank, i ʻike mua ʻia ʻo Maritime, Mining & Power Credit Union, he hui hui nona ka lālā e hāʻawi ana i kahi ʻano lawelawe panakō i ka poʻe Australia, me ka hoʻokūkū hoʻokūkū paʻa, hoʻololi a me nā koho hōʻaiʻē moraki. E ʻike hou aku e pili ana i nā hāʻawi hōʻaiʻē home a Unity Bank ma lalo.
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.
Inā makemake ʻoe i kahi hōʻaiʻē home ʻoi aku ka maʻalahi me nā hiʻohiʻona ʻē aʻe, kūpono paha kekahi o nā makana hoʻololi o Unity Bank iā ʻoe. Hiki i nā mea hale a me nā mea hoʻopukapuka ke koho ma waena o ka All-in-One Home Loan a i ʻole ka First Type Home Loan, loaʻa iā lāua ʻelua me ka liʻiliʻi o 5% waihona. Me nā hiʻohiʻona e like me nā uku hou ʻole palena ʻole, ke komo ʻana i kahi lawelawe uku (e pili ana ka liʻiliʻi), ka manawa kūpono e lawe i kahi hoʻomaha hoʻolimalima, a me kahi moʻokāki hoʻomaʻemaʻe, hiki i ka All-In-One Loan ke kūpono i nā mea hōʻaiʻē i hiki ke hoʻohana i kahi moraki. hōʻaiʻē me nā hiʻohiʻona āpau, ʻoiai ʻo ka Home Loan First Type he koho maikaʻi loa ia no ka poʻe e ʻimi nei i kahi hui o nā hiʻohiʻona a me ka uku uku haʻahaʻa. Loaʻa i nā makana ʻelua kekahi mau uku kūʻokoʻa, ʻoiai hiki iā ʻoe ke aʻo hou e pili ana iā lākou a me nā kikoʻī piha o kēlā me kēia hōʻaiʻē ma ka nānā ʻana i nā loiloi i hoʻopili ʻia ma ka papa ma lalo.
ʻO ka maʻalahi o ka hoʻonui kālā ma ka hui
ʻO ka hui, a i ʻole ka hui hale, he ʻano hale nona ka hui i hoʻokumu ʻia e nā mea nona i loko o ka hui. No ka hui ka loko, waho a me nā wahi maʻamau o ka hale. Ma mua o ke kūʻai ʻana i ka waiwai e like me kāu e kūʻai ai ma kahi kūʻai kūʻai waiwai kuʻuna, ke kūʻai nei ʻoe i nā ʻāpana o ka ʻoihana - ka hui hui - nāna e hoʻomalu i ka hui, e ʻae iā ʻoe i kahi noho.
ʻOi aku ka maʻamau o nā hui ʻoihana ma nā kūlanakauhale ʻoi aku ka nui a me ke kumu kūʻai nui o ka noho ʻana no ka mea ʻoi aku ka liʻiliʻi o ke kumukūʻai ma mua o nā condos a me nā hale. Eia naʻe, lawe lākou i nā uku mālama mālama mahina (e kūkākūkā ʻia ma lalo).
Ke kūʻai ʻoe i kahi hui, ma kahi o ka loaʻa ʻana o kahi ʻāpana waiwai me kahi palapala maʻamau, ʻo ka mea e loaʻa iā ʻoe he ʻāpana o ka hale. Nona a mālama ʻia nā hui e kahi hui ʻoihana ʻole o ka waiwai, kahi e kaʻana like ai kēlā me kēia mea kuleana i nā koina no ka mālama ʻana a me nā lawelawe.
ʻO ka hui hui ke kuleana no ka mālama ʻana i nā uku lālā no ka uhi ʻana i ka mālama hale, nā ʻauhau waiwai, nā pono hana, a me nā moraki e pili ana i ka waiwai a me kāna mau ʻāpana.
He aha ke kālā hui?
ʻO ka aie ke kālā i ʻaiʻē ʻia a pono e uku ʻia i ka mea hāʻawi me nā uku ukupanee hou. ʻO ka maʻamau, loaʻa kēia mau hōʻaiʻē mai nā panakō a i ʻole nā hui kālā ʻē aʻe. ʻOiai hiki i ka poʻe hāʻawi kālā ke kālā i kahi ʻāpana koʻikoʻi o nā pono kālā o ka hui, ʻaʻohe o lākou kuleana waiwai.
ʻO ke kapikala ke kālā i hoʻokomo ʻia i loko o kahi ʻoihana me ka hōʻoia ʻole o ka hoʻihoʻi a i ʻole ka hoʻihoʻi kālā. ʻO ke kālā "ma ka pilikia" ke kuleana i ka mea hoʻopukapuka e komo i ka kuleana, ka mana a me nā loaʻa a i ʻole nā poho o ka hui. Hāʻawi ʻo Equity capital i nā ʻoihana me ka ʻole o ka uku ukupanee a i ʻole nā kuleana uku paʻa.
Hāʻawi nā lālā hui i nā haʻawina kālā e hāʻawi iā lākou i ka kuleana a me nā kuleana hoʻomalu i kā lākou hui. Hāʻawi kēia mau kuleana iā lākou e hana mua i nā hana hui e kū pono ana i kā lākou pono ma mua o ka hoʻonui ʻana i kā lākou hoʻihoʻi ʻana i ka hoʻopukapuka.
Pono ka lālā o ka hui e uku i ke kapikala, ma ke kūʻai ʻana i ka waiwai maʻamau a i ʻole ka palapala hōʻoia lālā. ʻAʻole hiki ke kūʻai ʻia nā ʻāpana a ʻaʻole mahalo i ka waiwai. Hoʻoholo kēlā me kēia hui i ke kumukūʻai no ka lilo ʻana i lālā a pono e kaulike i kona pono no ke kapikala me ka hiki i nā lālā ke uku.
Pehea e loaʻa ai ke kālā no nā hui
Hāʻawi ʻo Wrentham Cooperative Bank i nā ʻano koho hōʻaiʻē e koho ai, e like me nā moraki paʻa, nā moraki hiki ke hoʻololi ʻia, nā hōʻaiʻē kūkulu-i-paʻa a me nā papahana ʻē aʻe. E ʻoluʻolu e kelepona i kahi luna hōʻaiʻē no nā ʻano a me nā papahana ʻē aʻe i helu ʻole ʻia.
*Ka helu pākēneka makahiki. Ke koho ʻana i ka laka helu ma ke noi (60 mau lā), hoʻokō, a i ʻole 10 mau lā ma mua o ka pani ʻana. Hoʻokumu ʻia ka APR ma kahi LTV o 80%. Loaʻa ka loaʻa kālā hōʻaiʻē kālā i ka LTV kiʻekiʻe o 75%. ** ʻO ka helu ʻana o nā uku he kumu a me ka ukupanee wale nō. ʻO ka hōʻiliʻili o nā mea paʻa e hoʻonui i ka uku o kēlā me kēia mahina. Pono ka mālama ʻana i ka ʻinikua o ka mea nona ka hale ma ke ʻano he kūlana o ka hōʻaiʻē. Mālama ʻo Wrentham Cooperative Bank i ka lawelawe ma nā moraki a pau.
1 Waihona Uku Uku Hoʻololi: Hiki ke loli ka uku paneʻe ma hope o ka wehe ʻia ʻana o ka moʻokāki2 Hoʻohana ʻia ka Haʻawina Pakeke Makahiki (APY) ke waiho ʻia ke koena haʻahaʻa i koi ʻia a me ka ukupanee ma ka waihona no hoʻokahi makahiki. Hiki i nā uku ke hōʻemi i ka loaʻa.3 eChecking* Pono kahi moʻokāki e wehe ai i ka mākeke eMoney.* eChecking – ʻAʻole koi ʻia ke koena liʻiliʻi. Pono e waiho pololei i ka $10 ka uku mālama malama. Hiki i nā mea kūʻai ke kākau i ʻelima (5) helu i kēlā me kēia mahina me ke kumu kūʻai ʻole/$0,50 no kēlā me kēia helu ma hope.
