ʻO ka manawa moraki lōʻihi loa
He 25 makahiki ka awelika o ka uku no ka moraki. Eia nō naʻe, e like me ka noiʻi ʻana e ka mea hoʻolimalima moraki L&C Mortgages, ua pālua ka helu o nā mea kūʻai mua o kahi moraki 31 a 35 mau makahiki ma waena o 2005 a me 2015.
E ʻōlelo mākou ke kūʻai nei ʻoe i kahi waiwai £250.000 ma kahi 3% a loaʻa iā ʻoe kahi waihona 30%. ʻO ka hōʻaiʻē ʻana i ka £175.000 ma luna o 25 mau makahiki e uku ʻia ʻoe i ka £830 i kēlā me kēia mahina. Inā hoʻohui ʻia ʻelima mau makahiki, e hoʻemi ʻia ka uku mahina i 738 paona, aʻo ka moraki 35 makahiki he 673 paona wale nō i ka mahina. ʻO ia ka 1.104 paona a i ʻole 1.884 paona i emi iho i kēlā me kēia makahiki.
Eia naʻe, pono e nānā i ka ʻaelike moraki e ʻike inā hiki iā ʻoe ke overpay. ʻO ka hiki iā ʻoe ke hana me ka ʻole o ka hoʻopaʻi e hāʻawi iā ʻoe i ka maʻalahi inā loaʻa iā ʻoe kahi hoʻonui a i ʻole ka makani o ke kālā. Hiki iā ʻoe ke uku i ka huina aelike inā paʻakikī nā manawa.
Pono e no'ono'o, no ka mea, e ho'opōkole 'ia ka lō'ihi o ka moraki i kēlā me kēia kālā keu āu e ho'okomo ai i loko o kāu moraki.
He manaʻo maikaʻi paha kahi moraki 40 makahiki?
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 a me ka mea hoʻonaʻauao ʻo Charles ma mua o 30 mau makahiki o ka hoʻomohala ʻana i nā papahana hoʻomaʻamaʻa hohonu no ka poʻe ʻoihana kālā. Ua aʻo ʻo Charles ma nā ʻoihana like ʻole me Goldman Sachs, Morgan Stanley, Societe Generale a me nā mea hou aku.
Eia naʻe, no ka mea he 10 makahiki ka lōʻihi o ka hōʻaiʻē, ʻoi aku ka liʻiliʻi o nā uku o ka mahina ma kahi moraki 40 mau makahiki ma mua o kahi hōʻaiʻē 30 makahiki, a ʻoi aku ka nui o ka ʻokoʻa ke hoʻohālikelike ʻia me kahi hōʻaiʻē 15 makahiki. ʻO nā uku liʻiliʻi e hoʻonani i kēia mau hōʻaiʻē lōʻihi i ka poʻe kūʻai mai:
No ka mea ʻaʻole like nā moraki 40 makahiki, ʻoi aku ka paʻakikī o ka loaʻa. ʻAʻole hiki iā ʻoe ke loaʻa i kahi hōʻaiʻē 40 makahiki Federal Housing Authority (FHA), a ʻaʻole nui nā mea hāʻawi kālā nui e hāʻawi i nā hōʻaiʻē no nā makahiki he 30. Pono ʻoe i kahi hōʻaiʻē maikaʻi e hiki ai ke loaʻa iā ʻoe, a ʻoi aku ke kiʻekiʻe o ka uku paneʻe ma kēia mau hōʻaiʻē.
palena makahiki moraki ma Irelani
He ʻāpana koʻikoʻi kāu uku no ka hoʻoholo ʻana i ka nui o ka home āu e hiki ai ke loaʻa. Ma kekahi ʻaoʻao, makemake paha ʻoe e ʻike i ka nui āu e hiki ai ke uku i kāu uku o kēia manawa. Ma ka ʻaoʻao ʻē aʻe, makemake paha ʻoe e ʻike i ka nui o kāu loaʻa kālā e loaʻa ai ka hale āu e makemake ai. I kēlā me kēia hihia, e kōkua kēia alakaʻi iā ʻoe e hoʻoholo i ka nui o kāu loaʻa kālā e hoʻolilo i kāu uku moraki i kēlā me kēia mahina.
ʻO nā uku moraki ka nui āu e uku ai i ka poʻe hāʻawi kālā no kāu hōʻaiʻē home a waiwai paha, me ke kumupaʻa a me ka ukupanee. I kekahi manawa hiki i kēia mau uku ke hoʻokomo pū i nā ʻauhau waiwai a i ʻole nā ʻauhau waiwai, kahi e hoʻonui ai i ka nui āu e uku ai. ʻO ka maʻamau, hele ka uku moraki i ke poʻo, ukupanee, ʻauhau, a me ka ʻinikua.
Nui nā ala e hoʻoholo ai i ka nui o kāu uku e hele ai i ka uku moraki. ʻO ka mea hope loa, ʻo ka mea hiki iā ʻoe ke hilinaʻi i kāu loaʻa kālā, nā kūlana, nā pahuhopu kālā, a me nā ʻaiʻē o kēia manawa. Eia kekahi mau ala e ʻike ai i ka nui āu e hiki ai ke loaʻa:
Me ke kumu hoʻohālike 35% / 45%, ʻaʻole pono e ʻoi aku ka nui o kāu aie o kēlā me kēia mahina, me ka uku moraki, ma mua o 35% o kāu loaʻa ma mua o ka ʻauhau, a i ʻole 45% o kāu loaʻa ma hope o ka ʻauhau. No ka helu ʻana i ka nui āu e uku ai me kēia kumu hoʻohālike, e hoʻoholo i kāu loaʻa kālā ma mua o ka ʻauhau a hoʻonui iā ia me 35%. A laila, e hoʻonui i kāu loaʻa kālā ma hope o ka ʻauhau me 45%. ʻO ka nui āu e uku ai ʻo ia ka laulā ma waena o kēia mau helu ʻelua.
Nā ʻano o nā moraki 40 makahiki
ʻO nā hale kahi e waiho ai i nā aʻa, hoʻokipa, a loaʻa kahi kapu, akā hiki ke uku. ʻO kekahi o nā ala e hoʻonui iki ai i kahi hale, ʻo ia ka hoʻolōʻihi ʻana i ka manawa, ʻo ia ka mea nui o ka moraki 40 makahiki. Eia nō naʻe, aia kekahi mau drawbacks nui.
ʻOiai ʻaʻole hāʻawi ʻo Rocket Mortgage® iā lākou, makemake mākou e hoʻomaopopo pono ʻoe i nā mea āpau e ʻike ai e pili ana i kahi moraki 40 makahiki inā ʻoe e noʻonoʻo nei i hoʻokahi, no laila hiki iā ʻoe ke loiloi pono i kāu mau koho i ka wā e noi ai i kahi moraki. Ma kēia ʻatikala, e hele pū mākou i kekahi mau mea ʻē aʻe i kahi moraki 40 makahiki.
ʻO ka moraki 40 makahiki, ʻo ia hoʻi, inā e uku ʻoe i kāu mau uku a pau e like me ka mea i hoʻolālā ʻia, me ka ʻole o ka uku ʻana i nā uku hou a i ʻole ka nui ma ke kumupaʻa e uku mua ai, he 40 mau makahiki e uku ai i ka hale. Hōʻike ʻia nā moraki maʻamau i nā hōʻaiʻē wā pōkole, ma waena o 8 a 30 mau makahiki.
Hiki ke hoʻopaʻa ʻia kēia mau hōʻaiʻē moraki, kahi e mau ai ka uku moraki i kēlā me kēia mahina ma mua o ka mālama ʻia ʻana o ka ʻauhau waiwai a me ka ʻinikua o ka mea hale. Hiki iā lākou ke hoʻololi i nā moraki helu (ARM). Hoʻopaʻa paʻa kēia mau mea ma kahi pānaʻi haʻahaʻa haʻahaʻa ma mua o ka hiki iā ʻoe ke loaʻa i kahi moraki maʻamau i ka hoʻomaka ʻana o ka hōʻaiʻē, ma mua o ka hoʻoponopono ʻana i luna a i lalo paha ma muli o kahi kuhikuhi a me ka palena ma hope o kekahi mau makahiki.
