E hoʻololi i ka moraki i kahi hale ʻoi aku ka pipiʻi
ʻO PSH Mortgage kahi hui hui ma waena o Park Square Homes a me FBC Mortgage, LLC. ʻO Park Square Homes lāua ʻo FBC Mortgage, LLC nā ʻoihana ʻohana, ʻike ʻia no ka maikaʻi o kā lākou huahana a me nā lawelawe. Ma ka hoʻohui ʻana i kā lākou ʻike, ʻike a me ke koi no ka maikaʻi, hiki iā lākou ke hāʻawi i kahi ʻike maikaʻi aʻe no kā lākou mea kūʻai aku - hoʻokahi hui, hoʻokahi ʻohana.
Hana pololei ʻo Park Square Home Mortgage me Park Square Homes e hāʻawi i nā lawelawe moraki wikiwiki a hilinaʻi. Hāʻawi ʻo PSH Mortgage i kahi ākea o nā huahana moraki hoʻokūkū me ka loea i kēlā me kēia wahi o ka hōʻaiʻē moraki.
He hui mākou o nā ʻoihana moraki ʻike e hoʻolako i kā mākou mea kūʻai aku i ka lawelawe maikaʻi loa i ka ʻoihana. Na ko PSH Mortgage hui alakaʻi a me ka ʻenehana alakaʻi e kōkua iā ʻoe e hoʻokele i ke kaʻina hana hōʻaiʻē.
Hoʻololi i ka hāʻawi moraki i kahi waiwai ʻē aʻe
- ka uku makahiki i kau ʻia ma ka hōʻaiʻē (a i ʻole i hana ʻia e ka hoʻopukapuka kālā), i hōʻike ʻia ma ka helu pākēneka hoʻokahi e hōʻike ana i ke kumukūʻai makahiki maoli o nā kālā i ka manawa o kahi hōʻaiʻē. Loaʻa kēia i nā uku a i ʻole nā koina hou e pili ana i ke kālepa.
- ʻO ka amortization o ka hōʻaiʻē he papa kuhikuhi e pili ana i ka manaʻo e uku ai i ka hōʻaiʻē. No ka laʻana, ʻo kahi papa hana amortization maʻamau no kahi hōʻaiʻē 15-makahiki e komo i ka nui i hōʻaiʻē ʻia, ka uku ukupanee i uku ʻia, a me ka manawa. ʻO ka hopena he haʻihaʻi mahina o ka ukupanee i uku ʻia a me ka nui i ʻaiʻē ʻia.
- ʻO kēia nā kumukūʻai e uku ai ka mea kūʻai aku i ka wā o ka moraki. Nui nā kumukūʻai pani mai nā uku loio, nā uku hoʻopiʻi, a me nā koina ʻē aʻe e pili ana i ka pani ʻana i kahi moraki.
- Nānā nā mea hōʻaiʻē i kahi ʻano o nā ratios a me nā ʻikepili kālā e hoʻoholo ai inā hiki i nā mea hōʻaiʻē ke uku i ka hōʻaiʻē. ʻO kekahi o kēia mau ratio ʻo ia ka ratio aie-i-loaʻa. Ma kēia helu ʻana, hoʻohālikelike ka mea hāʻawi i nā uku mahina, me ka Mortgage hou, a hoʻohālikelike iā lākou i ka loaʻa kālā o kēlā me kēia mahina. Hoʻokaʻawale ʻia ka huina kālā e ka helu lilo, a hōʻike ʻia ka hopena ma ke ʻano he pakeneka. ʻO ke kiʻekiʻe o ka pākēneka, ʻoi aku ka pilikia o ka hōʻaiʻē no ka mea hāʻawi.
Pehea ka lōʻihi o ka hoʻoili ʻana i kahi moraki?
Hiki iā ʻoe ke loaʻa i kahi moraki e kūʻai ai i hale ma kahi paka? ʻAukake 04, 2021 ʻO ka loaʻa ʻana o kahi hale maikaʻi ma ka paka ma kāu wahi punahele he moeʻuhane e ʻoi aku ka nui o ka poʻe e kaʻana like. He waiwai nui ia, ʻoiaʻiʻo, no laila pono ka hapa nui o ka poʻe e lawe i kahi hōʻaiʻē ma mua o ka kūʻai ʻana, a manaʻo pinepine lākou ʻo ia ka lawe ʻana i kahi moraki.
Ke kūʻai ʻoe i kahi kaʻa kaʻa, ʻo ka ʻōnaehana kino wale nō kāu. Hoʻolimalima ʻia ka ʻāpana mai ka mea nona ka paka hoʻomaha no kekahi manawa. ʻAʻole hiki ke hoʻopaʻa ʻia ka ʻāina, ʻaʻole hiki ke noi no ka moraki.
ʻO ka nūhou maikaʻi ke kūʻai nei nā tausani o nā kānaka i kēlā me kēia makahiki i kahi hale paka me ka ʻole o ka moraki. ʻO nā ʻano ʻano kālā ʻē aʻe e pili ana i nā hōʻaiʻē, a he nui nā mea hoʻolako kālā kūikawā ma kēia kahua. ʻO lākou ka poʻe maikaʻi loa e hele ai, no ka mea maopopo lākou i ka hana ʻana o ke kūʻai hale ʻoliʻoli.
ʻO ka mea nui, hiki iā ʻoe ke noi i kahi hōʻaiʻē a hiki i ka 80% o ka huina kūʻai kūʻai, me ka manawa a hiki i 15 mau makahiki. Ma ke ʻano maʻamau, ʻoi aku ka lōʻihi o ka hoʻolimalima ʻana ma ka pā hale hoʻomaha, ʻoi aku ka maʻalahi o ka loaʻa ʻana o kahi hōʻaiʻē, no laila e hoʻomanaʻo i ka nānā ʻana i nā pūnaewele kūpono.
Hiki iaʻu ke hoʻololi i kaʻu moraki i kahi waiwai ʻē aʻe?
ʻO Lindsay VanSomeren kahi kāleka hōʻaiʻē, panakō, a loea ʻaiʻē nona nā ʻatikala e hāʻawi i ka poʻe heluhelu i ka noiʻi hohonu a me nā ʻōlelo aʻo kūpono e hiki ke kōkua i nā mea kūʻai aku e hoʻoholo i nā hoʻoholo naʻauao e pili ana i nā huahana kālā. Ua hōʻike ʻia kāna hana ma nā pūnaewele kālā koʻikoʻi e like me Forbes Advisor a me Northwestern Mutual.
ʻO Doretha Clemons, Ph.D., MBA, PMP, he alakaʻi alakaʻi IT hui a kumu kumu no 34 mau makahiki. He kumu aʻoaʻo ʻo ia ma Connecticut State Colleges and Universities, Maryville University, a me Indiana Wesleyan University. He mea waiwai waiwai ʻo ia a me ka luna o ka Bruised Reed Housing Real Estate Trust, a he mea paʻa i ka laikini hoʻomaikaʻi hale mai ka Mokuʻāina ʻo Connecticut.
No laila ua hoʻolilo ʻoe iā ʻoe iho i kahi kālā keu. Hoʻomaikaʻi. I kēia manawa e noʻonoʻo paha ʻoe he aha ka hoʻohana maikaʻi loa āu e hāʻawi ai. Inā ʻoe e hana maikaʻi nei i kāu mau pahuhopu kālā ʻoi aku ka wikiwiki, e like me ka mālama ʻana no nā pilikia ulia pōpilikia, he manaʻo maikaʻi paha ka uku ʻana i ka moraki.
ʻO ka uku ʻana i kahi huina kālā e mālama mau iā ʻoe i ke kālā ma ka ukupanee. A, ma muli o ke ʻano o kāu mālama ʻana, e hōʻemi ka uku i ka manawa e uku ai i kāu moraki a i ʻole e hōʻemi i ka nui o kāu uku mahina.
