moraki lōʻihi
Ke hoʻoholo nei ma waena o kekahi mau huahana, hiki ke maʻalahi ke hele me ka mea kaulana loa. Akā i ka wā e koho ai i ka huahana moraki kūpono no kāu mau pahuhopu, ʻo ka hele ʻana me ka koho kaulana loa ʻaʻole paha ka hoʻoholo maikaʻi loa.
Loaʻa i nā moraki kekahi manawa e uku ai i ka hōʻaiʻē. ʻIke ʻia kēia ʻo ka manawa o ka moraki. ʻO ka manawa moraki maʻamau ma ʻAmelika Hui Pū ʻIa he 30 mau makahiki. Hāʻawi kahi moraki 30 makahiki i ka mea ʻaiʻē i 30 mau makahiki e uku i kā lākou hōʻaiʻē.
ʻAʻole mālama ka hapa nui o ka poʻe me kēia ʻano moraki i ka hōʻaiʻē kumu no 30 mau makahiki. ʻO ka ʻoiaʻiʻo, ʻo ka lōʻihi maʻamau o kahi moraki, a i ʻole kona ola maʻamau, ʻoi aku ia ma mua o 10 mau makahiki. ʻAʻole kēia no ka uku ʻana o kēia poʻe ʻaiʻē i ka hōʻaiʻē i ka manawa kākau. Hiki i nā mea hale ke hoʻolimalima hou i kahi moraki hou a kūʻai paha i hale hou ma mua o ka pau ʻana o ka manawa. Wahi a ka National Association of REALTORS® (NAR), manaʻo wale ka poʻe kūʻai e noho ma ka home a lākou e kūʻai ai no ka awelika o 15 mau makahiki.
No laila no ke aha ke koho 30-makahiki ka manawa maʻamau no nā moraki ma ʻAmelika Hui Pū ʻIa? ʻO kona kaulana e pili ana i nā kumu he nui, e like me ka uku pānaʻi moraki i kēia manawa, ka uku o kēlā me kēia mahina, ke ʻano o ka home i kūʻai ʻia a i ʻole nā pahuhopu kālā o ka mea ʻaiʻē.
ʻO ka manawa moraki lōʻihi loa
ʻO ke koho ʻana i kahi moraki he mea nui ia o ke kaʻina hana kūʻai hale. ʻO ke koho ʻana i kahi huaʻōlelo 15-makahiki ma kahi o ka ʻōlelo kuʻuna 30-makahiki ke kani nei me he neʻe akamai, ʻeā? ʻAʻole pono. ʻO ka koho ʻana i kahi manawa moraki pōkole loaʻa kekahi mau pono mālama kālā. Eia nō naʻe, inā haʻahaʻa loa kāu loaʻa kālā no kahi manawa 15-makahiki, ʻoi aku ka liʻiliʻi o ka moraki 30 makahiki i kēlā me kēia mahina. Inā ʻaʻole ʻoe i hoʻoholo e pili ana i ke ʻano o ka moraki e koho ai, e nānā i lalo e ʻike i ka mea kūpono iā ʻoe.
ʻO ka ʻokoʻa nui ma waena o 15-makahiki a me 30-makahiki moraki ke ʻano o ka hōʻiliʻili ʻana o nā uku a me ka ukupanee. Me kahi moraki 15 makahiki, ʻoi aku ka nui o kāu uku o kēlā me kēia mahina, akā e emi ana ʻoe i ka uku panee holoʻokoʻa. Me kahi moraki 30 makahiki, ʻo ka mea ʻē aʻe ka hihia. E hoʻopau ʻoe i ka uku hou aku no kou hale ma muli o ka ukupanee. Akā ʻoi aku ka haʻahaʻa o ka uku moraki.
Ke ho'āʻo nei e hoʻoholo i ka manawa o ka moraki, e noʻonoʻo i ka mea maikaʻi loa no kāu kālā. E ho'āʻo e kaupaona i ka huina kālā. Eia kekahi laʻana, e ʻōlelo mākou makemake ʻoe e ʻaiʻē i $150.000 e kūʻai i hale. Hiki iā ʻoe ke koho ma waena o kahi moraki 15 mau makahiki ma 4,00% a i ʻole 30 mau makahiki moraki ma 4,50%. Ma ka papahana 15 makahiki, ʻo kāu uku e pili ana i $1.110 i kēlā me kēia mahina, ʻaʻole me ka ʻinikua a me nā ʻauhau. E hoʻopau ʻoe i ka uku kokoke i $50.000 i ka ukupanee i ke ola o ka hōʻaiʻē.
Helu helu moraki
Loaʻa nā moraki i nā ʻano like ʻole a me nā nui, mai nā koho uku haʻahaʻa a i nā hōʻaiʻē jumbo. Ma waho aʻe o ke ʻano o ka moraki āu e koho ai, pono ʻoe e hoʻoholo i ka lōʻihi āu e makemake ai e uku i ka hōʻaiʻē, i kapa ʻia ʻo ka manawa o ka moraki.
Nui nā ʻano moraki e kōkua iā ʻoe e kūʻai i hale, akā ʻo nā mea maʻamau no 15 a 30 mau makahiki. Inā makemake ʻoe i nā uku mahina haʻahaʻa, pono paha ʻoe e hoʻolōʻihi i ka hōʻaiʻē moraki i 30 mau makahiki. Hiki i ka moraki 15 makahiki ke ʻoi aku ka nui o nā uku o kēlā me kēia mahina, akā ʻoki ʻia ke ola o ka hōʻaiʻē i ka hapalua, e hoʻohaʻahaʻa ana i ka nui o ka ukupanee āu e uku ai.
Hiki i ka moraki 15 makahiki a me 30 makahiki ke loaʻa nā uku panee paʻa a me nā uku o kēlā me kēia mahina no ke ola o ka hōʻaiʻē. Eia nō naʻe, ʻo ka moraki 15 makahiki ʻo ia ka mea e uku ʻia kou hale ma mua o 15 mau makahiki ma mua o ka moraki piha 30 makahiki, ʻoiai ʻoe e hana i nā uku haʻahaʻa haʻahaʻa o kēlā me kēia mahina.
ʻO ka moraki 15-makahiki ke lawe nei i ka uku panee haʻahaʻa, ʻoiai he haʻahaʻa ka nui o ka moraki no kekahi manawa. Eia naʻe, ʻoi aku ka kiʻekiʻe o nā uku o kēlā me kēia mahina ma kahi moraki 15 makahiki no ka mea ua uku wikiwiki ʻia ke kumu ma mua o kahi moraki 30 makahiki.
Nā koho lōʻihi o ka 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 i ke kaʻina holoʻokoʻa 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 kalena.
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.
