Kaʻina hana moraki
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.
Pau ka hāʻawi moraki ma mua o ka pau ʻana
Ke huli ʻoe i 50, hoʻomaka nā koho moraki e loli. ʻAʻole kēia no ka ʻōlelo ʻana ʻaʻole hiki ke kūʻai i hale inā ʻoe i ka makahiki hoʻomaha a kokoke paha, akā pono e ʻike i ka hopena o ka makahiki i ka hōʻaiʻē.
ʻOiai ke kau nei nā mea hoʻolako moraki i nā palena makahiki kiʻekiʻe loa, e pili ana kēia i ka mea āu e hoʻokokoke ai. Eia kekahi, aia nā mea hāʻawi kālā i loea i nā huahana moraki kahiko, a eia mākou e kuhikuhi iā ʻoe i ke ala pololei.
E wehewehe kēia alakaʻi i ka hopena o ka makahiki ma nā noi moraki, pehea e loli ai kāu mau koho i ka manawa, a me kahi ʻike o nā huahana moraki hoʻomaha. Loaʻa kā mākou mau alakaʻi no ka hoʻokuʻu kālā a me nā moraki ola no ka ʻike kikoʻī.
Ke ulu nei ʻoe, hoʻomaka ʻoe e hoʻokau i kahi pilikia nui i nā mea hoʻolako moraki maʻamau, no laila hiki ke paʻakikī ke loaʻa i kahi hōʻaiʻē ma hope o ke ola. No ke aha mai? ʻO kēia ma muli o ka hāʻule ʻana o ka loaʻa kālā a i ʻole kou kūlana olakino, a pinepine nā mea ʻelua.
Ma hope o kou hoʻomaha ʻana, ʻaʻole ʻoe e loaʻa hou ka uku maʻamau mai kāu hana. ʻOiai inā loaʻa iā ʻoe kahi penikala e hāʻule hou ai, hiki ke paʻakikī i nā mea hāʻawi kālā ke ʻike pololei i kāu e loaʻa ai. E emi ana paha kāu loaʻa kālā, e pili ana i kou hiki ke uku.
He aha ka hāʻawi moraki
I ʻApelila 2022, ʻo ka manawa waena e pani ai i kahi moraki he 48 mau lā, e like me ka ICE Mortgage Technology. Akā ʻoi aku ka nui o nā mea hōʻaiʻē e pani wikiwiki. ʻO ka manawa kūpono e pani ai ma muli o ke ʻano o ka hōʻaiʻē a me ka paʻakikī o ka ʻae ʻana i ka hōʻaiʻē, ma waena o nā kumu ʻē aʻe.
"ʻOkoʻa nā manawa pani, no ka mea, lawe mai nā awelika aupuni i nā hōʻaiʻē e lōʻihi ka lōʻihi o ka pani ʻana ma mua o nā hōʻaiʻē maʻamau, e like me nā hōʻaiʻē VA a me HFA," i hoʻohui ai ʻo Jon Meyer, loea hōʻaiʻē ma The Mortgage Reports a me MLO laikini. "ʻO ka hapa nui o nā mea hōʻaiʻē hiki ke manaʻo e pani i kahi moraki ma 20 a 30 mau lā."
Inā he mea kūʻai mua a kūʻai hou paha ʻoe i kahi home hou, pono ʻoe e noʻonoʻo i ke kaʻina ʻimi home. Pono ʻoe e ʻae ʻia kahi hāʻawi e ʻae ʻia kāu moraki, no laila ʻaʻole hiki iā ʻoe ke hoʻomaka piha i ke kaʻina hana a hiki i ka loaʻa ʻana o ka home āu e makemake ai. Hiki iā ia ke hoʻohui i kekahi mahina a ʻelua paha i kāu papahana.
ʻO ka loaʻa ʻana o ka ʻae mua ʻia ʻo ia ka mea e ʻae ka mea hāʻawi i nā ʻano āpau o ka hōʻaiʻē moraki, me ka hoʻohui ʻana i ka waiwai. Ke loaʻa iā ʻoe kahi hāʻawi ʻae ʻia, ua hoʻomaka mua kāu mea hāʻawi kālā i kāu ʻae hope.
Hoʻonui i ka hāʻawi moraki
ʻO ka huaʻōlelo "moraki" e pili ana i kahi hōʻaiʻē i hoʻohana ʻia no ke kūʻai ʻana a mālama ʻana i kahi home, ʻāina, a i ʻole nā ʻano waiwai ʻē aʻe. Ua ʻae ka mea ʻaiʻē e uku i ka mea hāʻawi aku i ka manawa, ma ke ʻano maʻamau o nā uku maʻamau i māhele ʻia i ke kumupaʻa a me ka ukupanee. He mea hōʻaiʻē ka waiwai e hoʻopaʻa i ka hōʻaiʻē.
Pono ka mea ʻaiʻē e noi no kahi moraki ma o kā lākou mea hāʻawi makemake a e hōʻoia i ka hoʻokō ʻana i kekahi mau koi, e like me nā helu hōʻaiʻē liʻiliʻi a me nā uku uku. E hele ana nā noi moraki ma ke kaʻina hana underwriting ma mua o ka hiki ʻana i ka pae pani. ʻOkoʻa nā ʻano o nā moraki ma muli o nā pono o ka mea hōʻaiʻē, e like me nā hōʻaiʻē maʻamau a me nā hōʻaiʻē paʻa.
Hoʻohana nā kānaka a me nā ʻoihana i nā moraki e kūʻai i ka waiwai paʻa me ka ʻole e uku i ke kumukūʻai kūʻai piha ma mua. Hoʻihoʻi ka mea hōʻaiʻē i ka hōʻaiʻē a me ka ukupanee no kekahi mau makahiki i hoʻonohonoho ʻia a hiki i ka loaʻa ʻana o ka waiwai me ka uku ʻole ʻia. ʻIke ʻia hoʻi nā moraki ma ke ʻano he ʻae kūʻē i ka waiwai a i ʻole nā koi i ka waiwai. Inā hōʻole ka mea hōʻaiʻē i ka moraki, hiki i ka mea hāʻawi ke hoʻopaʻa i ka waiwai.
