Moraki uku pa'a
I kēia lā, ʻo ka awelika APR o ka moraki kuhikuhi paʻa 30 mau makahiki i noho ma 5,35%. ʻO ka pule i hala a puni kēia manawa, ʻo ka APR moraki paʻa 30 makahiki he 5,53%. No kāna ʻāpana, ʻo ka awelika APR o ka moraki paʻa 15 makahiki e kū nei ma 4,68%. Ma kēia manawa like i ka pule i hala, ʻo ka APR moraki paʻa 15 makahiki he 4,88%. Kuhi ʻia nā kumukūʻai e like me APR.
ʻOiai e pili pono ana nā kumukūʻai moraki e ka loaʻa ʻana ma US Treasuries, ʻo ka piʻi ʻana o ka inflation a me ke kulekele kālā Federal Reserve e hoʻopili pono ʻole i ka uku moraki. I ka piʻi ʻana o ka inflation, pane ka Federal Reserve ma o ka hoʻohana ʻana i kahi kulekele kālā koʻikoʻi, e alakaʻi mau ana i ka piʻi ʻana o ka uku moraki.
"E piʻi aʻe ka piʻi ʻana o ka hoʻonui ʻana a pono e hoʻonui ka Fed i kāna helu kālā federal i ʻewalu a XNUMX mau manawa i ka piʻi ʻana o ka hapaha i kēia makahiki," wahi a Lawrence Yun, ka luna hoʻokele waiwai a me ka pelekikena poʻokela o ka noiʻi ma ka National Association of Realtors. (NAR). "Eia kekahi, e hoʻopau mau ka Fed i ka quantitative easing, e koi ana i nā kumukūʻai moraki no ka wā lōʻihi."
Moraki helu loli
Inā he mea hou ʻoe i ka pāʻani kūʻai hale, kahaha paha ʻoe i ka nui o ka jargon āu i lohe ai a heluhelu ai. Hiki iā ʻoe ke loaʻa i kahi moraki paʻa a i ʻole ka uku hoʻololi. Hiki iā ʻoe ke loaʻa i kahi manawa o 15 a i ʻole 30 mau makahiki, a i ʻole kahi manawa maʻamau. A nui hou aku.
ʻIke ʻia e hoʻoholo ʻoe i ke ʻano o ka moraki kūpono iā ʻoe. Akā, ma mua o kou hoʻoholo ʻana inā kūpono ka moraki paʻa iā ʻoe, pono ʻoe e ʻike i ke kumu o ke ʻano o kēia mau ʻano moraki a pehea e hana ai.
ʻO ka moraki uku paʻa he koho hōʻaiʻē home me ka uku paneʻe kikoʻī no ka manawa holoʻokoʻa o ka hōʻaiʻē. ʻO ka mea nui, ʻaʻole e loli ka uku pānaʻi moraki i ka wā e ola ana ka hōʻaiʻē a e mau ana ka ukupanee a me nā uku kumu o ka mea hōʻaiʻē i kēlā me kēia mahina.
30-makahiki hoʻopaʻa 'aiʻē: ʻO ka uku paneʻe o 5,25% (5,511% APR) no ke kumu kūʻai o 2,00 point(s) ($6.000,00) i uku ʻia ma ka pani ʻana. Ma kahi moraki $300,000, e uku ʻoe i kēlā me kēia mahina o $1,656.62. ʻAʻole i loko o ka uku mahina ka ʻauhau a i ʻole nā uku inikua. ʻOi aku ka nui o ka uku maoli. ʻO ka uku ke manaʻo nei i kahi lakene loan-to-value (LTV) o 79,50%.
helu moraki
E koho i kahi huahana e nānā i ka ʻike koʻikoʻi, nā uku, nā manaʻo, a me ka ʻike APR, no ka mea, hiki i kekahi mau uku ke komo a hiki i ka 1 kumu kūʻai ma ke ʻano he kumu kūʻai mua no ka poʻe ʻaiʻē. Hoʻokumu ʻia nā kumukūʻai refinancing ma ke kālā ʻole e uku. E ʻoluʻolu e hāʻawi mākou i nā koho hōʻaiʻē home ʻaʻole i hōʻike ʻia ma aneʻi.
ʻO ke kumukūʻai o ka hōʻaiʻē i hōʻike ʻia ma ke ʻano he pākēneka makahiki. No nā hōʻaiʻē moraki, me ka ʻole o nā laina ʻaiʻē home equity, loaʻa ka uku paneʻe me nā uku a i ʻole nā komisina. I ka hihia o nā laina kaulike o ka home, ʻo ka APR wale nō ka uku pānaʻi.
30 makahiki paʻa moraki fred
Hoʻopili ka uku panee i ka manawa o kāu moraki a me ka nui āu e uku ai i kēlā me kēia mahina, no laila pono ʻoe e kamaʻāina iā lākou. ʻElua mau koho nui i loaʻa, paʻa a loli paha. E nānā i kā mākou uku o kēia manawa a i ʻole e noi i kelepona i kāu Luna Mortgage kūloko; E hauʻoli lākou e kōkua iā ʻoe e koho i ke koho maikaʻi loa.
Ke makemake nei kekahi o mākou i ka palekana o ka uku paʻa, ʻo ia hoʻi, e like ana kāu uku i ka manawa paʻa. Ua hōʻuluʻulu mākou i kā mākou uku paʻa no nā hōʻaiʻē home hou ma kahi pakuhi maikaʻi ma lalo.
Hiki i nā mea kūʻai moraki nona ka hale ke neʻe i kahi pākēneka haʻahaʻa haʻahaʻa haʻahaʻa haʻahaʻa (LTV), kahi e loli nui ai ka ratio loan-to-value i ka wā o ka moraki. He ʻike hou aku e pili ana i kēia koho ma aneʻi
Hiki i nā mea kūʻai moraki e noho nei i kēia manawa ke hoʻololi i ka helu loan-to-value (LTV) o nā hui hou ke loli nui ka LTV i ka wā o ka moraki. Hiki iā ʻoe ke ʻike i ka ʻike hou aku e pili ana i kēia koho ma aneʻi
