Moraki me ka aelike pau ole
Inā hoʻoholo ʻoe e noi no ka moraki, e hoʻonohonoho mākou e kamaʻilio me ʻoe ma ke kelepona. ʻO kēia no ka mea ʻaʻole mākou e hāʻawi i kēia manawa i nā koho lālā, e kōkua i ka mālama ʻana i kā mākou mea kūʻai aku a me nā hoahana mai ka coronavirus.
ʻO ka ʻaelike ma ke kumu he ala maʻalahi ia e ʻike ai inā hiki iā ʻoe ke hōʻaiʻē i ka nui āu e pono ai e kūʻai a hoʻihoʻi hou i kahi hale a i ʻole hale paʻa, me ka ʻole o ka hōʻaiʻē piha. ʻAʻole pono ʻoe e hoʻokaʻaʻike mai iā mākou - e haʻi wale mai iā mākou i ka nui āu e makemake ai e hōʻaiʻē, he aha kāu loaʻa a me nā lilo maʻamau a hāʻawi mākou iā ʻoe i kahi pane koke.
Ke manaʻo nei ʻaʻohe hoʻololi i ka ʻike āu i hāʻawi mai ai iā mākou e pili ana i kāu loaʻa kālā, kāu mau lilo maʻamau a me nā ʻaiʻē āu e loaʻa ai, e mau ana kāu AiP no 90 mau lā. Pono ʻoe e hoʻopiha i kekahi AiP ʻē aʻe inā loli kekahi o kēia ʻike a i ʻole kou kūlana, no ka mea hiki ke hoʻopilikia i ka hopena o kāu AiP.
AiP 'o ia ho'i ka 'aelike ma ke kumu' no ka moraki. Ke kapa nei kekahi poʻe hāʻawi kālā i kēia he "moraki ma ke kumu." He hōʻailona ia e hiki iā mākou ke hōʻaiʻē iā ʻoe i kekahi huina, ma muli o ka ʻikepili āu i hāʻawi mai ai iā mākou e pili ana i kāu loaʻa kālā, nā lilo a me nā aie. Inā hoʻoholo ʻoe e noi no ka moraki, e nīnau mākou iā ʻoe i nā nīnau kikoʻī e pili ana i kāu kālā e ʻike ai i ka nui o kāu hiki ke hōʻaiʻē mai iā mākou. A laila e nānā mākou me kou ʻae ʻana i kāu mōʻaukala hōʻaiʻē piha e kūʻē i nā keʻena kuhikuhi hōʻaiʻē.
Hiki iā ʻoe ke loaʻa i kahi moraki me kahi ʻaelike 12 mau mahina?
ʻO ka Loan Estimate kahi palapala i hoʻokō ʻia ma ʻOkakopa 3, 2015. ʻO ka ʻaelike kūʻai ʻana he palapala ʻaelike i kākau ʻia ma waena o ka mea kūʻai aku a me ka mea kūʻai aku no ke kūʻai ʻana i ka waiwai paʻa. ʻO ka Loan Estimate kahi palapala e hōʻike ana i nā ʻōlelo a me nā koina no kahi hōʻaiʻē moraki āu e makemake ai e noʻonoʻo. E aʻo i ka ʻike e pono ai ʻoe e hāʻawi i kahi mea hāʻawi kālā e noi ai i kahi hōʻaiʻē a loaʻa kahi ʻōlelo. E nānā i kahi laʻana palapala manaʻo hōʻaiʻē me nā ʻōlelo aʻoaʻo a me nā wehewehe.
'Ōlelo Aʻo: ʻAʻole e loaʻa iā ʻoe kahi moraki ma mua o ʻOkakopa 3, 2015, a inā ʻoe e noi ana no ka moraki hoʻohuli. No kēlā mau hōʻaiʻē, e loaʻa iā ʻoe nā ʻano ʻelua—ʻo kahi Manaʻo Manaʻo maikaʻi (GFE) a me kahi hōʻike ʻoiaʻiʻo i ka hōʻaiʻē mua—ma kahi o ka Loan Estimate. Inā ʻoe e noi nei no kahi HELOC, kahi hōʻaiʻē home i hana ʻia ʻaʻole i hoʻopaʻa ʻia e ka waiwai paʻa, a i ʻole he hōʻaiʻē ma o kekahi ʻano o nā papahana kōkua homebuyer, ʻaʻole ʻoe e loaʻa i kahi GFE a i ʻole Loan Estimate, akā pono e loaʻa iā ʻoe kahi hōʻike o ka ʻoiaʻiʻo. ma ka Hoaiai.
Hiki iaʻu ke loaʻa i kahi moraki me kahi ʻaelike hana?
He moeʻuhane ka loaʻa ʻana o kahi home no nā poʻe he nui, akā inā hiki iā ʻoe ke hana hapa manawa, ʻaʻole hiki ke loaʻa ka moraki. Ma The Mortgage Hut maopopo mākou i ka pilikia o ka poʻe hana hapa manawa a eia mākou e hāʻawi iā ʻoe i kekahi nūhou maikaʻi: hiki iā ʻoe ke loaʻa i kahi moraki ma ka uku hapa manawa!
ʻO ka hope loa, makemake wale kēlā me kēia mea hōʻaiʻē moraki e ʻike hiki iā ʻoe ke hana i nā uku o kēlā me kēia mahina. ʻO ka hōʻaiʻē ʻana me ke kuleana, ʻo ia ka mea e nānā ʻia kāu kālā i ka wā o kāu noi, akā aia kahi manawa kūpono a ma lalo o kēia nānā ʻana e puka ʻoe i luna.
ʻO kekahi o nā kumu mua e noʻonoʻo ai ʻo ka hilinaʻi o kāu hana. ʻAʻole pōkole ka nui o nā hana hapa manawa ma ke ʻano o nā hola pule, akā ma ke ʻano o nā kūlana aelike. Maikaʻi hiki iā ʻoe ke hōʻike i kahi facade paʻa i ka wā e pili ana i kāu hana:
ʻO ka nui o kāu moraki e hilinaʻi nui i kāu loaʻa. Ma UK, manaʻo nā mea hōʻaiʻē e hāʻawi i nā moraki no ʻehā manawa (4x) i kāu uku makahiki nui, no laila inā loaʻa ʻoe i ka £15.000, e hoʻokokoke ʻoe i nā mea hoʻolako no kahi moraki £60.000. Makemake kekahi poʻe hāʻawi kālā e nānā i nā moraki 5x a e noʻonoʻo kekahi poʻe i koho ʻia 6x.
Hoʻopau i ka ʻaelike moraki no ka manawa paʻa
Ke ʻae ʻia ka hāʻawi ʻana, me he mea lā ʻaʻohe mea e hoʻōki iā ʻoe, akā hoʻokahi paʻa hope āu e lele ai ma mua o ka pau ʻana o nā mea āpau. Kapa ʻia ʻo ia ke kaʻina hana underwriting, a hoʻohana ʻia ia e hoʻoholo ai inā e ʻae ʻia a hōʻole ʻia paha kāu noi hōʻaiʻē - a me kou manawa e kūʻai ai i ka home āu e makemake ai.
Hana ʻia ke kaʻina hana underwriting ke hōʻoia ka mea hāʻawi i kāu loaʻa, waiwai, ʻaiʻē, hōʻaiʻē, a me ka waiwai. Pono kēia ʻike e hōʻoia i kou kūlana maikaʻi e lawe i nā kuleana kālā o kahi moraki a he waiwai maikaʻi ia no ka mea hāʻawi. I ka pōkole, kōkua ia i ka mea hāʻawi e loiloi i ka pilikia o ka hōʻaiʻē iā ʻoe.
Hoʻoponopono ka mea hoʻolako i kēia mau palapala e hōʻoia i kāu loaʻa a me ka paʻa o kāu hana, a me kou hiki ke uku i nā aie, noho i kēia manawa ma nā uku moraki, a hāʻawi i nā koina pani, nā uku, a me ka hōʻaiʻē moraki.
ʻAʻole hōʻoia ʻia ka ʻae mua ʻana no ka moraki i ka hoʻoholo pani ʻana i ka wā e hiki mai ana. Hoʻokumu ʻia kēia ʻano ʻae ʻia i kekahi manawa ma luna o ka ʻike kumu āu e hāʻawi ai, a makemake paha ʻoe e ʻeli i kāu hōʻike hōʻaiʻē a i ʻole kālā e like me ka underwriting.
