Hāʻawi ka panakō iaʻu i ka wehe ʻana i kaʻu moraki?

Bankunited pāʻoihana panakō pūnaewele

ʻO kahi ʻoihana ma ke ʻano he kauka hiki ke lilo i ʻoihana maikaʻi, akā ʻo ka mea i piha pinepine me ka hōʻaiʻē haumāna. Ua hōʻike ka Association of American Medical Schools (AAMC) i ka hōʻaiʻē kula olakino ma waena o ka papa o 2021 he $200.000, ʻaʻole i komo i kā lākou hōʻaiʻē haʻahaʻa.

Hoʻololi nā ʻokoʻa like ʻole i ka awelika ʻaiʻē kula lapaʻau haumāna puka me. No ka laʻana, inā puka ka haumāna mai ke kula aupuni a pilikino paha e pili nui ana i ke kumukūʻai, e like me ke hele ʻana i ke kula mokuʻāina a i waho paha.

I ka makahiki hoʻonaʻauao 2021-22, ua ʻike ka AAMC ʻo ke kumukūʻai maʻamau no nā haumāna lapaʻau e hele i kahi hale aupuni ma ko lākou mokuʻāina he $38,947 i kēlā me kēia makahiki. Hoʻopili kēia i nā haʻawina, nā uku, a me ka ʻinikua olakino. No nā haumāna e hele ana i kahi keʻena pilikino, piʻi ke kumukūʻai no ka makahiki kula like i $61.023.

No ka papa o 2021, ua ʻike ka AAMC he $194.280 ka ʻaiʻē kula olakino ma waena o nā haumāna e hele ana i kahi kula aupuni. Ua ʻōlelo ʻo 74% o nā haumāna lapaʻau ma ke kulanui aupuni he ʻaiʻē kā lākou.

Bankunited treasury management

Inā he hale ʻoe a he 62 paha kou mau makahiki, hiki iā ʻoe ke hoʻololi i kāu kaulike home i kālā e uku ai i nā lilo ola, mālama ola kino, hoʻoponopono home a i ʻole kekahi mea āu e pono ai. ʻO kēia koho he moraki hoʻohuli; akā naʻe, loaʻa i nā mea hale nā ​​koho ʻē aʻe, e like me nā hōʻaiʻē home equity a me nā laina kaulike home (HELOC).

ʻAe nā mea ʻekolu iā ʻoe e hoʻohana pono i ke kaulike ma kou home me ka ʻole e kūʻai aku a haʻalele paha. Eia nō naʻe, he mau huahana hōʻaiʻē ʻokoʻa kēia, no laila pono ke aʻo ʻana e pili ana i kāu mau koho i hiki iā ʻoe ke hoʻoholo i ka mea kūpono iā ʻoe.

ʻOkoʻa ka hana o ka moraki hoʻohuli ma mua o ka moraki: Ma kahi o ka uku ʻana i ka mea hāʻawi, hāʻawi ka mea hāʻawi i nā uku iā ʻoe ma muli o ka pākēneka o ka waiwai o kou home. I ka hala ʻana o ka manawa, piʻi aʻe kāu ʻaiʻē - ʻoiai e uku ʻia ana iā ʻoe a hōʻuluʻulu ʻia ka ukupanee - a emi ka waiwai o kāu ʻupena i ka wā e kūʻai nui ai ka mea hāʻawi.

Loaʻa iā ʻoe ke kuleana o kou home, akā ke haʻalele ʻoe i waho no hoʻokahi makahiki ʻoi aku (ʻoiai ma muli o ka hoʻopaʻa ʻana i ka hale maʻi a i ʻole ka home kahu hānai), kūʻai aku ʻoe a make paha, a i ʻole e hāʻule ʻoe i kāu mau uku. ʻauhau a i ʻole ka ʻinikua, a i ʻole ke emi ʻana o ka hale, pono ka hōʻaiʻē. Kūʻai ka mea hāʻawi i ka hale e hoʻihoʻi i ke kālā i uku ʻia iā ʻoe (a me nā uku). ʻO ke kaulike i waiho ʻia ma ka hale no ʻoe a i ʻole kou mau hoʻoilina.

hui hui panakō

Inā ua male ʻoe, hiki mai kahi hoʻomaka hou me nā mea hou e noʻonoʻo ai i ke kūʻai ʻana i home a i ʻole ke hoʻihoʻi kālā i kāu moraki. Hiki i kāu hoa hana mua ke kūʻai i kā lākou ʻāpana o kou home o kēia manawa, ʻo ia hoʻi, pono ʻoe e ʻimi i kou home ponoʻī, a i ʻole e noho i kou home o kēia manawa, pono e hoʻihoʻi kālā.

Ke hemo ʻoe, nui nā hoʻololi. Hiki ke hoʻokaʻawale ʻia mai ka inoa o kāu kāne. Hiki i ka kaʻawale ke launa, akā hiki ke paʻakikī. Ma muli o kāu ʻaelike hemo, ke ʻimi nei paha ʻoe i hale hou.

ʻO ka mea pōmaikaʻi, ʻaʻole ʻo ia wale nō. Hana ʻia nā male male i kēlā me kēia lā. ʻIke nā ʻāpana moraki a me nā ʻoihana waiwai i kēia. E hana pū me kahi REALTOR® a i ʻole mea kūʻai waiwai e hoʻomaopopo i kou ʻike a me kou pono i ka wā e hiki mai ai i kahi home hou.

E pili ana i kāu kumu o ka loaʻa kālā, inā he ʻohana ʻelua ʻoe, ʻo ka lilo ʻana o ka loaʻa kālā o kāu kāne, ʻo ia ka mea hiki iā ʻoe ke loaʻa i kahi hōʻaiʻē liʻiliʻi, ke ʻole ʻoe e kūʻai me ka mea hoʻopaʻa inoa a i ʻole kahi hoa hou.

Aia nā ala e uku ai i kēia. No ka laʻana, inā loaʻa iā ʻoe ke kākoʻo keiki a/a i ʻole alimony (a hiki ke palapala e hoʻomau ʻia kēia mau uku no kekahi manawa), hiki ke helu ʻia kēia mau mea i kāu loaʻa kālā no nā kumu kūpono.

Ua wehe ʻo Bank united i kahi moʻokāki ma ka pūnaewele

Ua helu ʻia ʻo United ma #1 i ka ʻoluʻolu o ka mea kūʻai aku i ka waihona kālā ma ka Hikina Hema, e like me ka JD Power 2022℠ US Retail Banking Satisfaction Study. Ua loaʻa iā United kēia ʻike 8 o nā makahiki 9 i hala iho nei, he hōʻike i ka hoʻokō ʻana o ka panakō i kahi kumu ikaika o ka ʻoluʻolu o ka mea kūʻai aku.

Ke manaʻoʻiʻo nei mākou he hiki a pono ke hana pilikino. ʻO ka lawelawe ke kumu o ko mākou ʻano, a ke hoʻoikaika nei mākou i kēlā me kēia lā e hana i kahi ʻokoʻa koʻikoʻi no kā mākou mea kūʻai aku. ʻO ka poʻe a me nā kaiāulu a mākou e lawelawe nei he mea koʻikoʻi loa ia iā mākou, a he hanohano kupaianaha kēia i hāʻawi ʻia iā mākou.

Ma United Community Bank, ke manaʻoʻiʻo nei mākou i ka hoʻohui ʻana i nā hoʻonā kālā papa honua no kā mākou mea kūʻai. ʻO kā mākou poʻe loea alakaʻi ʻoihana a me ka hui piha o nā lawelawe panakō kikohoʻe e hāʻawi iā ʻoe i nā mea hana āu e pono ai e hoʻokō i kāu mau pahuhopu kālā.

ʻOiai e hoʻomaha paha nā ʻano he nui o kou ola, ʻaʻole pau ka hoʻokele kālā. Ua ʻike mākou he pono ke kipa ʻana i kā mākou lobby i kekahi mau lawelawe a no ia mau kūlana e hauʻoli mākou e hana i kahi manawa me ʻoe.