Nā Koina Hoʻopaʻa ʻaiʻē ma Singapore
Inā ʻaʻole i loaʻa i kāu ʻoihana ka waihona koena o Apple, aia paha i kekahi manawa pono ʻoe e komo i ke kālā ma o ke kālā kālā ʻoihana. ʻO ka nui o nā ʻoihana kapikala nui e ʻimi mau i nā infusions kapikala e hoʻokō i kā lākou mau kuleana no ka wā pōkole. No nā ʻoihana liʻiliʻi, ʻo ka loaʻa ʻana o kahi kumu hoʻohālike kālā kūpono he mea nui loa. Inā lawe ʻoe i ke kālā mai ke kumu hewa, hiki iā ʻoe ke lilo i ʻāpana o kāu ʻoihana a ʻike ʻoe iā ʻoe iho me nā huaʻōlelo uku e hōʻeha i kou ulu ʻana no nā makahiki e hiki mai ana.
ʻO ke kālā hōʻaiʻē no kāu ʻoihana kahi mea āu e maopopo ai ma mua o kou manaʻo. Loaʻa iā ʻoe kahi moraki a hōʻaiʻē kaʻa paha? ʻO nā ʻano ʻelua o ke kālā hōʻaiʻē. Ma ka hihia o kāu hui e hana like ia. Loaʻa ka hōʻaiʻē ʻaiʻē mai kahi panakō a i ʻole kekahi hale hōʻaiʻē ʻē aʻe. ʻOiai hiki i nā mea hoʻopukapuka pilikino ke hāʻawi iā ʻoe, ʻaʻole ia he mea maʻamau.
Pela anei ka hana ana. Ke hoʻoholo ʻoe e pono ʻoe i kahi hōʻaiʻē, hele ʻoe i ka panakō a hoʻopiha i kahi noi. Inā ʻo kāu ʻoihana i ka wā mua o ka hoʻomohala ʻana, e nānā ka panakō i kāu hōʻaiʻē pilikino.
moraki vs. ʻO Singapore ka mea hōʻaiʻē
He aha ka moraki? ʻO ka moraki kahi hōʻaiʻē i hoʻohana ʻia e uku i kekahi hapa o ke kumukūʻai o kahi waiwai. Pono ka hōʻaiʻē i kahi papa manawa hoʻihoʻi paʻa. Hoʻohana ʻia ka waiwai kumu i mea hōʻaiʻē no ka hōʻaiʻē. Inā ʻaʻole e uku ka mea hōʻaiʻē i ka manawa, hiki i ka mea hāʻawi ke hoʻihoʻi a kūʻai aku i ka waiwai, me ka hoʻohana ʻana i nā mea i loaʻa e uku i ke koena hōʻaiʻē i koe. ʻO ka moraki maʻamau ka uku paʻa, kahi e hoʻonohonoho ai i kahi uku uku paʻa no ke ola o ka hōʻaiʻē. Aia kekahi ʻano hōʻaiʻē ʻano like ʻole, e hahai ana i ka uku pānaʻi makemake. ʻOi aku ka pilikia o nā hōʻaiʻē ʻano like ʻole no ka mea ʻaiʻē, no ka mea, hiki i ka piʻi ʻana o ka uku nui ke kumu i ka piʻi nui ʻana o nā uku moraki.
Nā rula hōʻaiʻē moraki Mas
Hiki iā ʻoe ke ʻike i ka mea nona kāu moraki ma ka pūnaewele, ma ke kelepona ʻana a i ʻole ka hoʻouna ʻana i kahi palapala noi i kāu mea lawelawe e nīnau i ka mea nona kāu moraki. Pono ka mea lawelawe e hāʻawi iā ʻoe, i ka maikaʻi o kou ʻike, ka inoa, ka helu wahi, a me ka helu kelepona o ka mea nona kāu hōʻaiʻē.
ʻAʻole maʻalahi ka ʻike i ka mea nona kāu moraki. Nui nā hōʻaiʻē moraki i kūʻai ʻia a ʻaʻole paha iā ʻoe ka mea lawelawe āu e uku ai i kēlā me kēia mahina i kāu moraki. I kēlā me kēia manawa e hoʻoili ka mea nona kāu hōʻaiʻē i ka moraki i kahi mea hou, pono ka mea hou e hoʻouna iā ʻoe i kahi leka hoʻomaopopo. Inā ʻaʻole ʻoe ʻike i ka mea nona kāu moraki, aia nā ala like ʻole e ʻike ai. E kelepona i kāu mea lawelawe moraki Hiki iā ʻoe ke loaʻa ka helu o kāu mea lawelawe moraki ma kāu ʻōlelo moraki a i ʻole puke coupon. Huli Online Aia kekahi mau mea paahana pūnaewele e hiki ai ke huli i ka mea nona ka moraki.o FannieMae Lookup Toolo Freddie Mac Lookup ToolOe hiki ke nana aku i kou mea lawelawe moraki ma ka punaewele Mortgage Electronic Registration System (MERS). kākau ʻO kahi koho ʻē aʻe e waiho i kahi noi ma ke kākau ʻana i kāu mea lawelawe moraki. Pono ka mea lawelawe e hāʻawi iā ʻoe, i ka maikaʻi o kona ʻike, ka inoa, ka helu wahi, a me ka helu kelepona o ka mea nona kāu hōʻaiʻē. Hiki iā ʻoe ke waiho i kahi noi kākau kūpono a i ʻole noi no ka ʻike. Eia kahi laʻana leka e kōkua iā ʻoe e kākau i kāu mea lawelawe moraki e noi i ka ʻike.
helu moraki
ʻO ka pilikia ma lalo o ka makahiki 2007 a hiki i ka makahiki 2010 ka mea i hoʻonui mua ʻia o ka hōʻaiʻē moraki, a hiki i ka poʻe ʻaiʻē i hakakā mua e loaʻa nā moraki, hāʻawi a hoʻoikaika i ka piʻi wikiwiki ʻana o nā kumukūʻai home. Ma ka mōʻaukala, ua paʻakikī ka poʻe kūʻai hale i ka loaʻa ʻana o nā moraki inā loaʻa iā lākou nā moʻolelo hōʻaiʻē ma lalo o ka awelika, hana i nā uku liʻiliʻi, a i ʻole e ʻimi ana i nā hōʻaiʻē nui. Inā ʻaʻole lākou i uhi ʻia e ka ʻinikua aupuni, hōʻole pinepine ka poʻe hāʻawi kālā i kēlā mau noi moraki. ʻOiai ua hiki i kekahi mau ʻohana koʻikoʻi ke loaʻa nā moraki liʻiliʻi i kākoʻo ʻia e ka Federal Housing Administration (FHA), ʻo nā mea ʻē aʻe, i kū i nā koho hōʻaiʻē liʻiliʻi, hoʻolimalima. I kēlā manawa, ʻoi aku ka nui o ka loaʻa ʻana o ka home ma kahi o 65%, ua haʻahaʻa nā kumukūʻai paʻa, a ʻo ke kūkulu ʻana i ka hale a me nā kumukūʻai i hōʻike mua ʻia i ka loli ʻana o ka uku pānaʻi moraki a me nā loaʻa kālā.
I ka hoʻomaka a me ka waena o ka makahiki 2000, ua hāʻawi ʻia nā moraki subprime e nā mea hāʻawi kālā i hoʻolilo kālā i nā moraki ma o ka hui hou ʻana iā lākou i loko o nā loko i kūʻai ʻia aku i nā mea hoʻopukapuka. Ua hoʻohana ʻia nā huahana kālā hou no ka hoʻolaha ʻana i kēia mau pilikia, me nā hōʻailona moraki-backed securities (PMBS) e hāʻawi ana i ka hapa nui o ke kālā no nā moraki subprime. Ua manaʻo ʻia nā palekana liʻiliʻi liʻiliʻi he haʻahaʻa haʻahaʻa, no ka mea ua hoʻopaʻa ʻia lākou me nā mea kālā hou a i ʻole no ka mea e hoʻopau mua nā palekana ʻē aʻe i nā poho ma lalo o nā moraki (DiMartino and Duca 2007). Ua ʻae kēia i nā mea kūʻai hale mua loa e loaʻa nā moraki (Duca, Muellbauer, and Murphy 2011), a ua hoʻonui ʻia ka nui o nā mea hale.
