ʻO ka papa hoʻonohonoho ʻaiʻē
ʻO ka moraki kahi hōʻaiʻē lōʻihi i hoʻolālā ʻia e kōkua iā ʻoe e kūʻai i home. Ma waho aʻe o ka uku ʻana i ke kapikala, pono ʻoe e uku i ka ukupanee i ka mea hāʻawi. ʻO ka hale a me ka ʻāina e hoʻopuni ana iā ia he mea paʻa. Akā inā makemake ʻoe e loaʻa kahi home, pono ʻoe e ʻike ma mua o kēia mau mea maʻamau. Pili pū kēia manaʻo i ka ʻoihana, ʻoi aku ka nui o nā kumukūʻai paʻa a me nā wahi pani.
ʻAneʻane loaʻa ka moraki ka poʻe kūʻai hale. Ua ʻōlelo pinepine ʻia nā kumukūʻai moraki ma ka nūhou ahiahi, a ʻo ka manaʻo ʻana e pili ana i ka neʻe ʻana o nā kumukūʻai kuhikuhi ua lilo ia i mea maʻamau o ka moʻomeheu kālā.
Ua puka mai ka moraki hou i ka makahiki 1934, i ka wa i hana ai ke aupuni - e kokua i ka aina ma o ke Kaumaha Nui - i ka papahana moraki e hoemi ana i ka uku mua e pono ai no ka hale ma o ka hoonui ana i ka nui o na mea nona ka hale e aie ai. Ma mua o kēlā, koi ʻia kahi 50% uku.
I ka makahiki 2022, makemake ʻia ka uku hoʻohaʻahaʻa he 20%, ʻoiai inā ʻoi aku ka liʻiliʻi o ka uku haʻahaʻa ma mua o 20%, pono ʻoe e lawe i kahi ʻinikua moraki pilikino (PMI), e hoʻonui ai i kāu uku mahina. Eia naʻe, ʻaʻole hiki ke loaʻa ka mea i makemake ʻia. Aia nā papahana moraki e ʻae i nā uku haʻahaʻa haʻahaʻa, akā inā hiki iā ʻoe ke loaʻa i kēlā 20%, pono ʻoe.
Amortization o ka depreciation
ʻIke ʻia hoʻi ʻo nā hōʻaiʻē ʻokoʻa, loaʻa nā hōʻaiʻē i hoʻopau piha ʻia i nā uku o kēlā me kēia mahina. Loaʻa i nā hōʻaiʻē i hoʻokaʻawale hapa ʻia nā ʻāpana uku, akā uku ʻia ka baluna ma ka hoʻomaka a i ʻole ka hopena o ka hōʻaiʻē.
No ka helu ʻana i ka nui o ka ukupanee, e lawe ka mea hāʻawi i ke koena hōʻaiʻē o kēia manawa a hoʻonui iā ia me ka uku panee pili. A laila e unuhi ka mea hāʻawi i ka nui o ka ukupanee mai ka uku mahina e hoʻoholo ai i ka nui o ka uku e hele ai i ke kumupaʻa.
Pehea e hoʻoholo ʻia ai ka amortization?
ʻO Justin Pritchard, CFP, he kākā'ōlelo uku a he loea kālā pilikino. Hoʻopili i ka panakō, nā hōʻaiʻē, nā hoʻopukapuka, nā moraki a me nā mea hou aku no The Balance. Loaʻa iā ia kahi MBA mai ke Kulanui o Colorado a ua hana ʻo ia no nā uniona hōʻaiʻē a me nā ʻoihana kālā nui, a me ke kākau ʻana e pili ana i ke kālā pilikino no nā makahiki he ʻelua.
He loea ʻo Cierra Murry i ka panakō, kāleka hōʻaiʻē, hoʻopukapuka kālā, hōʻaiʻē, moraki a me ka waiwai paʻa. He ʻōlelo aʻoaʻo panakō ʻo ia, he mea hoʻopaʻa inoa hōʻaiʻē a me ka mea hoʻoponopono me ka ʻoi aku o 15 mau makahiki o ka ʻike ma ka loiloi kālā, underwriting, palapala hōʻaiʻē, loiloi hōʻaiʻē, hoʻokō panakō a me ka hoʻokele pilikia hōʻaiʻē.
ʻO Amortization ke ʻano o ka hoʻohana ʻana i nā uku hōʻaiʻē i kekahi mau ʻano hōʻaiʻē. ʻO ka mea maʻamau, e mau ana ka uku o kēlā me kēia mahina a ua māhele ʻia ma waena o nā kumukūʻai ukupanee (ka mea i loaʻa i ka mea hāʻawi aku no ka hōʻaiʻē), ka hoʻemi ʻana i ke koena o ka hōʻaiʻē (ʻike ʻia ʻo "ka uku kumu hōʻaiʻē"), a me nā lilo ʻē aʻe. e like me ka ʻauhau waiwai. .
ʻO ka uku hōʻaiʻē hope e uku i ke koena hope o ka ʻaiʻē. No ka laʻana, ma hope o 30 mau makahiki (a i ʻole 360 mau mahina), e uku ʻoe i kahi moraki 30 makahiki. Kōkua nā papa Amortization iā ʻoe e hoʻomaopopo i ka hana ʻana o kahi hōʻaiʻē a hiki ke kōkua iā ʻoe e wānana i kāu koena koʻikoʻi a i ʻole ke kumukūʻai ukupanee i kēlā me kēia manawa i ka wā e hiki mai ana.
I ka manawa hoʻomaka o ka hōʻaiʻē amortized, ʻo kāu uku mahina
El concepto básico de la amortización de una hipoteca es sencillo: Se empieza con un saldo de préstamo y se paga en cuotas iguales a lo largo del tiempo. Pero si se observa con detenimiento cada pago, se verá que se amortiza el capital y los intereses del préstamo a un ritmo diferente.
"ʻO ka amortization ka hōʻaiʻē ʻo ke kaʻina o ka helu ʻana i nā uku e hoʻokaʻawale i ka nui o ka hōʻaiʻē," wehewehe ʻo Robert Johnson, ke kaukaʻi kālā ma ke kula ʻo Heider School of Business o Creighton University.
Inā loaʻa iā ʻoe kahi moraki i hoʻopaʻa ʻia, e like me ka hapa nui o nā mea hale, ua like mau kāu uku moraki i kēlā me kēia mahina. Akā ʻo ka haʻihaʻi ʻana o kēlā me kēia uku - pehea ka nui o ke kumu o ka hōʻaiʻē me ka ukupanee - e loli ana i ka manawa.
ʻO kēia hoʻololi (mai ka hapa nui a hiki i ka hapa nui) pili wale i ka haki ʻana o kāu mau uku mahina. Inā loaʻa iā ʻoe kahi moraki paʻa, ʻo ka nui āu e uku ai i kēlā me kēia mahina no ke kumu a me ka ukupanee e mau nō ia.
He mea koʻikoʻi ka haʻihaʻi ʻana o nā uku no ka mea e hoʻoholo ai i ka wikiwiki o ka ulu ʻana o ka pono home. Ma ka hopena, pili ka waiwai ʻupena i kou hiki ke hoʻolimalima hou, uku mua i kou home, a i ʻole e hōʻaiʻē me kahi moraki lua.
