Moraki uku pa'a
Inā hōʻole ʻia kāu palapala moraki, aia kekahi mau mea e hiki ai iā ʻoe ke hana e hoʻomaikaʻi i kou manawa e ʻae ʻia i ka manawa aʻe. Mai wikiwiki e hele i kahi mea hāʻawi kālā ʻē aʻe, no ka mea e hōʻike ʻia kēlā me kēia noi ma kāu faila aie.
ʻO nā hōʻaiʻē lā uku āu i loaʻa ai i nā makahiki ʻeono i hala e hōʻike ʻia ma kāu moʻolelo, ʻoiai inā ua uku ʻoe iā lākou i ka manawa. Hiki iā ia ke helu kūʻē iā ʻoe, no ka mea, manaʻo paha ka poʻe hāʻawi kālā ʻaʻole hiki iā ʻoe ke uku i ke kuleana kālā o ka loaʻa ʻana o kahi moraki.
ʻAʻole kūpono nā mea hāʻawi kālā. Hoʻokomo ka hapa nui o lākou i kāu ʻikepili noi i loko o kahi kamepiula, no laila ʻaʻole paha ʻoe i hāʻawi ʻia i kahi moraki ma muli o kahi hewa i kāu faila aie. ʻAʻole paha e hāʻawi ka mea hāʻawi iā ʻoe i kumu kikoʻī no ka hāʻule ʻana o kahi noi aie i pili ʻole i kāu faila aie.
Loaʻa i nā mea hōʻaiʻē nā ʻano hoʻohālikelike underwriting ʻokoʻa a noʻonoʻo i kekahi mau kumu i ka wā e loiloi ai i kāu noi moraki. Hiki ke hoʻokumu ʻia ma ka hui ʻana o ka makahiki, ka loaʻa kālā, ke kūlana hana, ka ratio loan-to-value, a me ka wahi waiwai.
Inā ʻoe e uku piha i ka hale, loaʻa iā ʻoe kahi moraki?
Ma na wahi a pau e lohe ai oe i ka ino o ka aie. No laila, ʻo ke kumu maoli ke kūʻai ʻana i kahi home me ke kālā-a i ʻole ka waiho ʻana i ke kālā i loko o kou home e hiki ai ke pale i ka ʻaiʻē nui e pili ana i kahi moraki-ʻo ia ka koho maʻalahi no kou olakino kālā.
ʻO ka uku ʻana i ke kālā no ka home e hoʻopau i ka pono e uku i ka uku paneʻe ma ka hōʻaiʻē a me nā koina pani. "ʻAʻohe uku hoʻomaka moraki, uku loiloi, a i ʻole nā uku ʻē aʻe e hāʻawi ai i nā mea kūʻai kiʻi kiʻi," wahi a Robert Semrad, JD, hoa makua a me ka mea nāna i hoʻokumu i Chicago-based DebtStoppers Bankruptcy Law Firm.
ʻOi aku ka maikaʻi o ka uku kālā i nā mea kūʻai aku. "Ma kahi mākeke hoʻokūkū, e ʻae paha ka mea kūʻai aku i hoʻokahi hāʻawi kālā ma mua o kekahi no ka mea ʻaʻole pono lākou e hopohopo no ka mea kūʻai aku i kākoʻo ʻia e ka hōʻole ʻana i ke kālā," wahi a Peter Grabel, ka luna hoʻomalu o MLO Luxury Mortgage. Corp. .ma Stamford, Conn. Hiki i ke kūʻai ʻana i ka home ke hiki ke pani wikiwiki (inā makemake ʻia) ma mua o ka mea e loaʻa ai nā hōʻaiʻē, hiki ke ʻoluʻolu i ka mea kūʻai aku.
Hele ka Loan
La cantidad que necesita para pagar la entrada de una casa depende de su programa de préstamo hipotecario. Los requisitos habituales de pago inicial van del 3% al 20%. Puedes hacer el pago inicial mínimo o poner más para reducir el importe del préstamo y los pagos mensuales.
Eia nō naʻe, pono ʻoe i kahi 20% uku hoʻohaʻahaʻa e pale aku i ka ʻinikua moraki pilikino (PMI) ma kahi moraki maʻamau. He nui nā mea kūʻai e makemake e pale i ka PMI no ka mea e hoʻonui ana i kā lākou uku moraki i kēlā me kēia mahina. 20% iho he $50.000 ma kahi $250.000 hale.
"Loaʻa i kekahi mau mokuʻāina kā lākou mau lula PMI ponoʻī," wahi a Jon Meyer, ka loea hāʻawi kālā ma The Mortgage Reports a me MLO laikini. "No ka laʻana, ma Kaleponi, ʻaʻole paha ʻoe e loaʻa i kahi ʻinikua moraki pilikino inā loaʻa i ka mea hōʻaiʻē ke kiʻekiʻe o ka loan-to-value ratio."
Eia naʻe, e hoʻomanaʻo ʻo kēia mau koi ka mea liʻiliʻi wale nō. Ma ke ʻano he moraki, aia ʻoe i loko o kou kuleana e waiho i kekahi kālā āu e makemake ai ma kahi home. A i kekahi mau hihia, kūpono paha ke hāʻawi ʻana i kahi uku mua kiʻekiʻe ma mua o ka liʻiliʻi i koi ʻia.
No ka laʻana: Inā loaʻa iā ʻoe kahi waihona kālā nui i kāu waihona mālama kālā, akā he haʻahaʻa loa ka loaʻa kālā, ʻo ka hoʻolilo ʻana i ka uku hoʻohaʻahaʻa nui loa paha he manaʻo maikaʻi. ʻO kēia no ka mea ʻo ka uku kiʻekiʻe e hōʻemi i ka nui o ka hōʻaiʻē a me ka uku moraki o kēlā me kēia mahina.
Pedir un préstamo es algo bueno porque te permite disfrutar de la vida.
Después de instalarse en una casa o de encontrar un poco más de flexibilidad financiera, muchos propietarios empiezan a preguntarse: «¿debo hacer pagos extra de la hipoteca?» Al fin y al cabo, hacer pagos adicionales puede ahorrar en costes de intereses y acortar la duración de la hipoteca, lo que le acerca mucho más a ser propietario de su casa.
Eia nō naʻe, ʻoiai ʻoi aku ka maikaʻi o ka manaʻo o ka uku ʻana i kāu moraki a me ka noho ʻana i kou home me ka ʻole o ka moraki, aia paha nā kumu i kūpono ʻole ai ka uku ʻana i ke poʻo kumu.
"I kekahi manawa he mea maikaʻi ke hana i nā uku moraki hou, akā ʻaʻole i nā manawa a pau," wahi a Kristi Sullivan o Sullivan Financial Planning ma Denver, Colorado. "No ka laʻana, ʻo ka uku ʻana i $200 hou i ka mahina ma kāu moraki e hoʻohaʻahaʻa i ka hale mai 30 mau makahiki a i 25 mau makahiki ma kahi hale hiki iā ʻoe ke noʻonoʻo e noho i nā makahiki ʻelima ʻaʻole kōkua iā ʻoe. E hoʻokaʻawale ʻoe i kēlā uku o kēlā me kēia mahina a ʻaʻole loa e loaʻa iā ʻoe ka pōmaikaʻi o ia mea ».
ʻOiai ua ʻae ka poʻe he nui ka hauʻoli o ka noho ʻana me ka ʻole o ka moraki, hiki ke hoʻokō ʻia ma nā ala ʻoi aku ma mua o hoʻokahi. No laila pehea ʻoe e ʻike ai inā he mea kūpono iā ʻoe ke hoʻomaka e uku i ke kumu nui i kēlā me kēia mahina ma kāu moraki? Aia ia i kāu kūlana kālā a pehea ʻoe e hoʻokele ai i kāu kālā discretionary.
