Hiki iaʻu ke loaʻa i kahi moraki i ka makahiki 60?
Ke loaʻa iā ʻoe kahi home ponoʻī, hiki iā ʻoe ke hoʻohana i nā ʻano hōʻaiʻē moraki e loaʻa ai kahi hōʻaiʻē ma ka waiwai o kou home. ʻO nā koho maikaʻi no ka hoʻohana ʻana i ke kaulike home ma kahi pānaʻi haʻahaʻa e pili ana i ka hoʻihoʻi kālā ʻana, nā hōʻaiʻē home equity, a me nā laina equity home (HELOCs).
Hiki iā ʻoe ke hōʻaiʻē i ka 80% o ka waiwai o kou home. Me ka loaʻa kālā hou ʻana o VA hiki iā ʻoe ke loaʻa i ka 100% o ka waiwai o kou home, akā ʻo ka poʻe kahiko a me nā lālā lawelawe hana e hiki ke loaʻa i kahi hōʻaiʻē VA.
Hiki i nā mea hale ke hōʻaiʻē a hiki i ka 80% o ka waiwai o ko lākou home me kahi hōʻaiʻē home equity, ʻike ʻia hoʻi he moraki lua. Eia naʻe, hiki i kekahi mau panakō liʻiliʻi a me nā uniona hōʻaiʻē ke ʻae iā ʻoe e lawe i ka 100% o kāu kapikala.
ʻOi aku ka nui o nā hōʻaiʻē home equity i ka hoʻohālikelike ʻana i ka refinancing, akā haʻahaʻa haʻahaʻa i hoʻohālikelike ʻia me kahi kāleka hōʻaiʻē a i ʻole ka hōʻaiʻē pilikino. ʻOiai he hōʻaiʻē hoʻokaʻawale me ka uku panee paʻa, e loaʻa iā ʻoe kahi uku mahina paʻa.
Hiki iā ʻoe ke hoʻohana i kāu kālā ponoʻī. Akā inā ʻaʻole nui kāu kālā - a ʻaʻole makemake ʻoe e hoʻopā i kāu waihona pilikino a i ʻole nā mea hoʻopukapuka ʻē aʻe - hiki i kahi hōʻaiʻē kālā hoʻokaʻawale a i ʻole ka laina o ka hōʻaiʻē home e kōkua iā ʻoe e kūʻai i kahi waiwai ʻē aʻe.
Hiki iaʻu ke loaʻa kahi moraki me ka ʻole o ka hana?
Inā hōʻole ʻia kāu palapala moraki, aia kekahi mau mea e hiki ai iā ʻoe ke hana e hoʻomaikaʻi i kou manawa e ʻae ʻia i ka manawa aʻe. Mai wikiwiki e hele i kahi mea hāʻawi kālā ʻē aʻe, no ka mea e hōʻike ʻia kēlā me kēia noi ma kāu faila aie.
ʻO nā hōʻaiʻē lā uku āu i loaʻa ai i nā makahiki ʻeono i hala e hōʻike ʻia ma kāu moʻolelo, ʻoiai inā ua uku ʻoe iā lākou i ka manawa. Hiki ke helu iā ʻoe, no ka mea, manaʻo paha ka poʻe hāʻawi kālā ʻaʻole hiki iā ʻoe ke hoʻokō i ke kuleana kālā o ka loaʻa ʻana o kahi moraki.
ʻAʻole kūpono nā mea hāʻawi kālā. Hoʻokomo ka hapa nui o lākou i kāu ʻikepili noi i loko o kahi kamepiula, no laila ʻaʻole paha ʻoe i hāʻawi ʻia i kahi moraki ma muli o kahi hewa i kāu faila aie. ʻAʻole paha e hāʻawi ka mea hāʻawi iā ʻoe i kumu kikoʻī no ka hāʻule ʻana o kahi noi hōʻaiʻē, ʻaʻole i pili i kāu faila aie.
Loaʻa i nā mea hōʻaiʻē nā ʻano hoʻohālikelike underwriting ʻokoʻa a noʻonoʻo i kekahi mau kumu i ka wā e loiloi ai i kāu noi moraki. Hiki ke hoʻokumu ʻia ma ka hui ʻana o ka makahiki, ka loaʻa kālā, ke kūlana hana, ka ratio loan-to-value, a me ka wahi waiwai.
Hiki iaʻu ke loaʻa kahi moraki ʻaʻohe waiho kālā?
E hele i kekahi pūnaewele hōʻaiʻē home a ʻike ʻoe i nā kiʻi o nā ʻohana ʻakaʻaka a me nā hale nani i hele pū ʻia me nā kikokikona e hōʻike ana e kali ana nā mea hāʻawi kālā e kōkua iā ʻoe e ʻimi i ka hōʻaiʻē kūpono iā ʻoe, ʻoiai ʻo kou kūlana.
ʻO ka ʻoiaʻiʻo, ʻo ka hōʻaiʻē ʻana i kēlā nui kālā he ʻoihana pilikia no nā panakō. I nā huaʻōlelo ʻē aʻe, ʻaʻole e hāʻawi nā panakō iā ʻoe i nā haneli haneli mau kālā ke ʻole lākou e maopopo hiki iā ʻoe ke uku iā lākou i ka manawa.
Inā ʻaʻole kiʻekiʻe kāu loaʻa kālā e hiki ai ke loaʻa i ka hōʻaiʻē āu e noi nei, hiki i kahi mea hoʻopaʻa inoa ke kōkua. Kōkua ka mea hoʻopaʻa inoa iā ʻoe no ka mea e hoʻokomo ʻia kāu loaʻa kālā i ka helu affordability. ʻOiai ʻaʻole noho ke kanaka me ʻoe a kōkua wale iā ʻoe e uku i kēlā me kēia mahina, e noʻonoʻo ʻia ka loaʻa kālā o ka mea hoʻopaʻa inoa e ka panakō. ʻOiaʻiʻo, ʻo ka mea nui e hōʻoia i kāu co-signer i kahi mōʻaukala hana maikaʻi, loaʻa paʻa, a me ka hōʻaiʻē maikaʻi.
ʻOiaʻiʻo, ʻaʻole pono ʻoe e hoʻohana i kahi cosigner e ʻae ʻia inā ʻaʻole lawa kāu kālā e uku ai i ka moraki i ka manawa. Eia nō naʻe, inā paʻa kāu loaʻa kālā a loaʻa iā ʻoe kahi mōʻaukala hana paʻa, akā ʻaʻole ʻoe i lawa no ka moraki, hiki i kahi cosigner ke kōkua.
Hiki iaʻu ke kiʻi i ka helu moraki?
E noʻonoʻo ka poʻe hāʻawi kālā i nā kumu he nui ke noi ʻoe i moraki i mea e loiloi ai i kou hiki ke uku i ka hōʻaiʻē. ʻO nā wahi koʻikoʻi i manaʻo ʻia ʻo ka loaʻa kālā a me ka mōʻaukala hana, ka helu ʻaiʻē, ka lakene ʻaiʻē i ka loaʻa kālā, nā waiwai, a me ke ʻano o ka waiwai āu e makemake ai e kūʻai.
ʻO kekahi o nā mea mua i nānā ʻia e nā mea hōʻaiʻē moraki ke noi ʻoe i kahi hōʻaiʻē ʻo kāu loaʻa kālā. ʻAʻohe ʻāpana kālā āu e loaʻa ai i kēlā me kēia makahiki no ke kūʻai ʻana i hale. Eia naʻe, pono e ʻike ka mea hāʻawi moraki e loaʻa iā ʻoe kahi kahe kālā paʻa e uku ai i ka hōʻaiʻē.
He kuleana koʻikoʻi kāu helu ʻaiʻē i kou hiki ke loaʻa i kahi moraki. Hōʻike ka helu ʻaiʻē kiʻekiʻe i ka poʻe hāʻawi kālā e uku ʻoe i ka manawa a ʻaʻohe ou moʻolelo o ka hōʻaiʻē nui. ʻO ka helu ʻaiʻē haʻahaʻa e hoʻolilo iā ʻoe i mea hōʻaiʻē pilikia no ka mea e hōʻike ana i nā mea hāʻawi kālā he moʻolelo paha ʻoe o ka mālama hewa ʻana i kāu kālā.
Hiki i ka helu ʻaiʻē kiʻekiʻe ke hāʻawi iā ʻoe i ke komo ʻana i nā koho mea hōʻaiʻē hou aʻe a haʻahaʻa haʻahaʻa. Inā he haʻahaʻa kāu helu, he mea maikaʻi e hoʻāʻo e hoʻonui i kāu helu ʻaiʻē no kekahi mau mahina ma mua o ka noi ʻana i kahi hōʻaiʻē.
