helu moraki
Ke kūʻai aku i hale, ʻoi aku ka nui o nā mea e noʻonoʻo ai ma mua o ka nui o nā lumi, ka nui o ka pā a me ka wahi. Pono ʻoe e noʻonoʻo pehea ʻoe e uku ai no ka hale. No nā mea kūʻai he nui, ʻo ia ka mea e noi ana i kahi moraki.
ʻAʻole like nā moraki a pau. Hāʻawi kekahi i ka uku paneʻe paʻa, e mau ana i ke ola o ka hōʻaiʻē. Loaʻa i nā mea ʻē aʻe nā kumukūʻai hiki ke hoʻololi ʻia ma muli o kahi kalena. Pono e uku ʻia kekahi mau moraki i loko o 15 mau makahiki, a hāʻawi kekahi iā ʻoe i 30 mau makahiki e uku ai.
ʻO kahi moraki 30-makahiki ka mea kaulana loa i waena o nā mea kūʻai hale. E aʻo hou aʻe e pili ana i ke ʻano o ka lawe ʻana i kahi hōʻaiʻē home 30-makahiki, pehea ke ʻano o ka moraki paʻa 30-makahiki, a inā ʻo kēia hōʻaiʻē ke koho kūpono iā ʻoe.
ʻO ka moraki 30 makahiki he moraki me ka manawa hoʻihoʻi o 30 makahiki a me ka uku panee e mau ana i ke ola o ka hōʻaiʻē. Ke hoʻoholo ʻoe e noi i kahi hōʻaiʻē moraki 30 makahiki me ka uku paneʻe paʻa, ʻo ka ʻāpana āu e uku ai i kēlā me kēia mahina e like ia a hiki i kou hoʻopau ʻana i ka hōʻaiʻē.
ukupanee moraki deutsch
ʻO ka huaʻōlelo "moraki paʻa" e pili ana i kahi hōʻaiʻē home i loaʻa ka uku panee paʻa no ka manawa holoʻokoʻa o ka hōʻaiʻē. 'O ia ho'i, loa'a i ka moraki ka uku panee mau mai ka ho'omaka a ka pau. ʻO nā moraki uku paʻa nā huahana kaulana no nā mea kūʻai aku e makemake e ʻike i ka nui o kā lākou uku i kēlā me kēia mahina.
Nui nā ʻano o nā huahana moraki ma ka mākeke, akā hiki mai lākou i ʻelua mau ʻano kumu: nā hōʻaiʻē helu hoʻololi a me nā hōʻaiʻē paʻa. Ma nā hōʻaiʻē pākēneka, hoʻopaʻa ʻia ka uku paneʻe ma luna o kekahi kuhikuhi a laila fluctuates, hoʻololi i kekahi mau manawa.
Ma ka ʻaoʻao ʻē aʻe, mālama nā moraki paʻa i ka uku pānaʻi like i loko o ka lōʻihi o ka hōʻaiʻē. ʻAʻole like me nā moraki pākēneka a hiki ke hoʻololi ʻia, ʻaʻole e loli nā moraki paʻa me ka mākeke. No laila, e mau ana ka uku panee ma ka moraki pa'a me ka nānā 'ole i ka pi'i 'ana a i lalo paha ka uku panee.
ʻO nā moraki hiki ke hoʻololi ʻia (ARMs) he ʻano hui like ʻole ma waena o nā hōʻaiʻē paʻa a me nā hōʻaiʻē hoʻololi. Hoʻopaʻa ʻia ka uku paneʻe mua no kahi manawa, maʻamau he mau makahiki. Ma hope, hoʻoponopono hou ʻia ka uku paneʻe i kēlā me kēia manawa, i ka makahiki a i ʻole ka mahina.
Nā helu uku paneʻe
Me ka moraki uku pa'a, ua like ka uku panee i ka manawa holookoa, e pale ana ia oe i ka pii ana o na huina panee a me ka ae ana ia oe e hoolala me ka hilinai.
Ke lawe ʻoe i kahi moraki paʻa paʻa hou a i ʻole makemake ʻoe e hoʻololi i kāu moraki o kēia manawa me mākou a manaʻo e piʻi ka uku paneʻe, hiki iā ʻoe ke laka i ka uku o kēia manawa i kēia lā. Hiki iā ʻoe ke hana a hiki i ʻumikumamālua mahina ma mua o ka uku ʻana i ka moraki. No laila, paʻa ka uku panee a uku ʻia ka moraki i nā lā like ʻole. A hiki i ka hoʻolaha hou aku, akā naʻe, ke kāpae nei mākou i kēia uku hou ke lawe ʻoe i kahi moraki paʻa me mākou.
I ka pau ana o ka moraki, ua oi aku paha ka nui o ka uku panee ma mua o ka manawa i aelike ai ka moraki. Ma kēia kūlana, pono ʻoe e hoʻonohonoho i nā kālā hou aʻe ma ka uku panee kiʻekiʻe. No ka ho'ēmiʻana i kēia pilikia o ka uku paneʻe, pono e puʻunaue i nā huina nui ma waena o kekahi mau moraki mai ka hoʻomaka. No ka laʻana, hiki iā ʻoe ke ʻae i ʻelua mau moraki paʻa me nā huaʻōlelo like ʻole.
Palapala o ka moraki ma ka US
ʻO ka helu waena ma kahi moraki paʻa 30 makahiki he 5,27% me kahi APR o 5,28%, e like me Bankrate.com. ʻO ka moraki paʻa 15 mau makahiki he 4,56% awelika me ka APR o 4,58%. ʻO ka 20-makahiki refinancing rate he 5,20%. ʻO ka helu waena ma kahi moraki 5/1 ARM he 3,76% me kahi APR o 4,79%.
ʻO kahi $20 100.000-makahiki moraki e hoʻihoʻi hou i ka uku pānaʻi o 5,20% i kēia manawa he $671 i kēlā me kēia mahina no ke kumu a me ka ukupanee. ʻAʻole hoʻokomo ʻia nā ʻauhau a me nā uku. Ma ke ola o ka hōʻaiʻē, e uku ʻoe ma kahi o $61.053 i ka huina o ka ukupanee.
Ma ka uku panee o kēia manawa he 4,56%, e kūʻai ʻia kahi moraki 15 makahiki ma kahi o $768 i kēlā me kēia mahina ma ke kumu a me ka ukupanee no $100.000. E uku ʻoe ma kahi o $38.251 ma ka huina o ka ukupanee i ke ola o ka hōʻaiʻē.
ʻO ka awelika o ka uku pānaʻi no ka hoʻihoʻi ʻana i nā moraki jumbo 30 makahiki he 5,26%. ʻO kahi pule i hala aku nei, ʻo 5,43% ka awelika. ʻOi aku ka kiʻekiʻe o ka uku pānaʻi 30 makahiki ma kahi moraki jumbo ma mua o ka haʻahaʻa haʻahaʻa he 52-wiki o 4,49%.
ʻO ka awelika o ka huina kālā o ka refinancing o ka moraki jumbo 15-makahiki i ka uku paʻa he 4,56%. ʻO ka pule i hala aku nei, he 4,70%. ʻO ka uku pānaʻi paʻa 15 makahiki ma kahi moraki jumbo ma luna o ka haʻahaʻa haʻahaʻa 52-wiki o 3,72%.
