Hiki iaʻu ke kūʻai i hale ma Australia ma ke ʻano he kamaʻāina ʻole?
Pono kēia ʻatikala i nā huaʻōlelo hou no ka hōʻoia. E ʻoluʻolu e kōkua i ka hoʻomaikaʻi ʻana i kēia ʻatikala ma ka hoʻohui ʻana i nā huaʻōlelo mai nā kumu hilinaʻi. Hiki ke hoʻohālikelike a wehe ʻia nā mea kumu ʻole. E ʻimi i nā kumuwaiwai: "Home Loan" - Nūhou - Nūpepa - Buke - Scholar - JSTOR (ʻApelila 2020) (E aʻo pehea a me ka wā e wehe ai i kēia pou mai ka template)
Hiki i nā mea hōʻaiʻē moraki ke lilo i poʻe e moraki ana i ko lākou home a i ʻole he mau hui e moraki ana i ka waiwai kalepa (e laʻana, ko lākou hale ʻoihana ponoʻī, nā hale noho i hoʻolimalima ʻia i nā mea hoʻolimalima, a i ʻole kahi waihona hoʻopukapuka kālā). ʻO ka mea hāʻawi kālā maʻamau he ʻoihana kālā, e like me ka panakō, ka hui ʻaiʻē a i ʻole kahi hui moraki, e hilinaʻi ana i ka ʻāina i nīnau ʻia, a hiki ke hana pololei ʻia nā ʻaelike hōʻaiʻē ma o nā mea waena. ʻO nā hiʻohiʻona o nā hōʻaiʻē moraki, e like me ka nui o ka hōʻaiʻē, ke oʻo ʻana o ka hōʻaiʻē, ka uku pānaʻi, ke ʻano o ka uku ʻana i ka hōʻaiʻē a me nā ʻano ʻē aʻe, hiki ke ʻokoʻa loa. ʻO nā kuleana o ka mea hāʻawi i ka waiwai i hoʻopaʻa ʻia ma mua o ka poʻe ʻaiʻē ʻē aʻe o ka mea hōʻaiʻē, ʻo ia hoʻi, inā lilo ka mea hōʻaiʻē i ka panakalupa a i ʻole ka ʻaiʻē, e loaʻa wale i nā mea ʻaiʻē ʻē aʻe ka uku o ka aie iā lākou ma ke kūʻai ʻana i ka waiwai. e uku mua ia.
Hiki iā ʻoe ke kūʻai i hale me ka hana ʻole reddit
ʻO ka paʻakikī nui ka ʻimi ʻana i ka panakō kūpono e kūpono i kāu ʻaoʻao. ʻOkoʻa nā huahana panakō a me nā koina kūpono a kūpono paha kekahi panakō no kekahi mea kūʻai aku a kūpono ʻole no kekahi. Hiki i ka panakō ke hōʻole i ka moraki a ka mea kūʻai aku ke ʻae ʻia e kekahi panakō. ʻO ka ʻike ʻole ʻo wai ka panakō kūpono e hiki ke kumu
ʻO kekahi pilikia inā ua noho wale ka mea kūʻai ma Sepania (a i ʻole ka ʻauhau ma Sepania) no kahi manawa pōkole. I mea e kūpono ai i nā kūlana noho, koi pinepine nā panakō i ka hōʻoia kūhelu o ka uku ʻana i nā ʻauhau Sepania, e like me ka hōʻike kālā makahiki mua. He mea pono e hele mua i kāu panakō inā hoʻokomo ʻoe i kāu loaʻa kālā i loko o kahi waihona panakō Sepania.
Ke ikaika loa nei ka mākeke moraki Sepania, ʻoiai i ka wā maʻi maʻi. Ke hāʻawi manuahi nei nā panakō a hāʻawi i nā ʻōlelo hoʻokūkū no nā kamaʻāina a me nā poʻe ʻole. Eia nō naʻe, mālama nui nā panakō i ka hāʻawi ʻana i nā hōʻaiʻē a hōʻoia i ka mālama ʻia ʻana o nā loiloi affordability e pono ai.
ʻO wai ka mea hiki ke kūʻai i ka waiwai ma Australia?
Manaʻo ʻia ʻo ka hapa nui o ka poʻe e ʻike i ka waiwai o ko lākou home. Eia naʻe, nui ka poʻe e hoʻomau i ka huikau ma ke kumuhana. Ma ke ʻano he mea hale, pono ʻoe e hoʻomaopopo i ka hana ʻana o ka pono home. He ʻoiaʻiʻo kēia inā makemake ʻoe e hoʻihoʻi hou i kahi moraki a i ʻole e hōʻaiʻē i kou hale.
ʻO ka hōʻaiʻē i loaʻa iā ʻoe ma ke ʻano he mea hōʻaiʻē ma o ka hōʻaiʻē home equity e pili ana i ka nui o ke kaulike āu i loaʻa ai. E ʻōlelo kākou he $250.000 kou hale a he $150.000 kāu ma kāu moraki. E unuhi wale i ke koena o ka moraki mai ka waiwai o ka home e loaa ai he $100.000 o ka home equity.
ʻO nā mea hāʻawi kālā liʻiliʻi e ʻae iā ʻoe e hōʻaiʻē i ka huina piha o ka home equity. Hāʻawi lākou iā ʻoe e hōʻaiʻē a hiki i ka 80% a i ka 90% o kāu kaulike i loaʻa, ma muli o kāu mea hāʻawi, kāu hōʻaiʻē, a me kāu loaʻa kālā. No laila, inā loaʻa iā ʻoe he $100.000 o ka ʻupena waiwai, e like me ka laʻana ma luna nei, hiki iā ʻoe ke loaʻa kahi laina ʻaiʻē home equity home (HELOC) $80.000 a i $90.000. ʻAʻole pono ka lāhui, ka lāhui, a me nā noʻonoʻo ʻole kālā ʻē aʻe i ka hoʻoholo ʻana i ka nui o ke kaulike home āu e hōʻaiʻē ai.
ʻO ka moraki me ka loaʻa ʻole akā me ka waiwai
I ka hoʻokele waiwai haʻahaʻa a i ʻole ka hoʻihoʻi ʻana, ʻoi aku ka maikaʻi o ka nānā ʻana i kāu hoʻolimalima a ʻaʻole e lawe i nā pilikia kūpono ʻole e hiki ke hoʻopilikia i kāu mau pahuhopu kālā. Hiki ke hōʻeha i kāu kālā pilikino. ʻO ka hoʻomākaukau ʻana a me ka hana ʻana i kekahi mau hana maʻalahi e hōʻemi i ka pilikia e hiki ke kōkua iā ʻoe e pale i ka ʻino waiwai. Aia ma lalo iho nei kekahi o nā pilikia kālā e pale ʻia e kēlā me kēia kanaka i ka wā o ke kaʻe ʻana.
ʻO ka hoʻopaʻa inoa pū ʻana i kahi hōʻaiʻē hiki ke lilo i hana koʻikoʻi loa i nā manawa waiwai maikaʻi. Inā ʻaʻole hana ka mea ʻaiʻē i nā uku i koi ʻia, pono paha i ka cosigner ke hana iā lākou no ʻoe. I ka wā o ka hāʻule ʻana o ka hoʻokele waiwai, ʻoi aku ka nui o nā pilikia e pili ana i ke kau inoa ʻana i kahi ʻaiʻē, no ka mea, hiki i ka mea hōʻaiʻē a me ka mea hoʻopaʻa inoa ke kū i kahi kūlana kiʻekiʻe o ka nalo ʻana i kā lākou hana a i ʻole ka ʻike ʻana i ka emi ʻana o ka loaʻa kālā.
ʻO kēlā ʻōlelo, ʻike paha ʻoe iā ʻoe iho e pono e hōʻoiaʻiʻo i kahi lālā o ka ʻohana a i ʻole ka hoaaloha pili i nā mea e hana nei i ka ʻoihana. I kēia mau hihia, pono e hoʻokaʻawale ʻia kekahi mau waihona ma ke ʻano he cushion. A i ʻole, ma kahi o ka cosigning, ʻoi aku ka maikaʻi o ke kōkua ʻana me ka uku hoʻohaʻahaʻa a i ʻole e lawe i kahi hōʻaiʻē pilikino ma mua o ka hoʻopaʻa ʻana i ka hōʻaiʻē cosigned.
