ʻAʻohe uku mua no ke kūʻai ʻana i ka home
ʻO 100% nā hōʻaiʻē moraki i hoʻolilo kālā i ke kumukūʻai kūʻai holoʻokoʻa o kahi home, e hoʻopau ana i ka pono o ka uku. Loaʻa ka poʻe kūʻai hale hou a hou i ka 100% kālā ma o nā papahana aupuni i kākoʻo ʻia e ke aupuni.
Ma hope o ka noiʻi nui ʻana, ua hoʻoholo nā panakō a me nā keʻena hāʻawi kālā ʻoi aku ka kiʻekiʻe o ka uku mua ma kahi hōʻaiʻē, ʻoi aku ka liʻiliʻi o ka mea ʻaiʻē. ʻO ka mea maʻamau, ʻoi aku ka nui o ka mea kūʻai aku me ka nui o ka waiwai waiwai i ka pāʻani.
ʻO ia ke kumu, i nā makahiki i hala aku nei, ua lilo ka nui o ka uku uku maʻamau i 20%. ʻO nā mea ʻē aʻe ma mua o kēlā e koi ai i kekahi ʻano o ka ʻinikua, e like me ka inikua moraki pilikino (PMI), i mea e hoʻihoʻi ai ka mea hāʻawi i kā lākou kālā inā hōʻole ka mea ʻaiʻē i ka hōʻaiʻē.
ʻO ka mea pōmaikaʻi, aia nā papahana kahi e hāʻawi ai ke aupuni i ka ʻinikua i ka mea hāʻawi kālā, ʻoiai inā ʻaʻole ka uku mua o ka hōʻaiʻē. Hāʻawi kēia mau hōʻaiʻē i kākoʻo ʻia e ke aupuni i kahi ʻokoʻa ʻole o ka uku i lalo i nā moraki maʻamau.
ʻOiai e loaʻa ana nā hōʻaiʻē FHA i kahi kokoke i kēlā me kēia mea e hoʻokō i nā pae hoʻohālike, pono ʻoe i ka mōʻaukala o ka ʻoihana koa e hiki ai i kahi hōʻaiʻē VA a pono ʻoe e kūʻai ma kahi kuaʻāina a i ʻole ka ʻāina no ka USDA. E wehewehe ʻia nā kumu kūpono ma hope.
Kaʻa me ka hoʻolimalima mua ʻole
ʻO kekahi o nā hopena ʻaoʻao—a i ʻole nā pōmaikaʻi ʻaoʻao—o ka lilo ʻana a me ka noho ʻole ʻana i ka ʻaiʻē, ʻo ia ka hopena me ka helu ʻaiʻē ʻole. Inā ʻo ia kāu hihia, mahalo! ʻAʻole ʻoe i hōʻaiʻē, a no ka ʻike ʻole ʻia e nā manō a me nā ʻoihana hōʻaiʻē, ke alo nei ʻoe i kahi pilikia kūʻokoʻa: pehea ʻoe e hōʻoia ai i kahi mea hōʻaiʻē moraki he mea hōʻaiʻē hilinaʻi ʻoe me ka ʻole o ka helu ʻaiʻē?
ʻOiai ʻo ka loaʻa ʻana o ka moraki me ka ʻole o ka helu ʻaiʻē e koi hou aku i nā pepa, ʻaʻole hiki ʻole. Pono ʻoe e ʻimi i kahi "ʻaʻohe hōʻaiʻē moraki" makemake e hana i kahi mea i kapa ʻia ʻo manual underwriting, e like me kā mākou mau hoaaloha ma Churchill Mortgage.
ʻO ka pahu mua ka palapala, ka nui o nā palapala. Pono ʻoe e hōʻike i ka hōʻoia ʻana o kāu loaʻa kālā no nā mahina he 12 a 24 i hala, a me ka mōʻaukala o nā uku maʻamau no ka liʻiliʻi ʻehā mau hoʻolimalima maʻamau. Hiki i kēia mau lilo ke komo:
ʻO ka mea maʻamau, paipai mākou i ka uku hoʻohaʻahaʻa ma kahi o 10-20% o ke kumukūʻai o ka hale. Akā inā ʻaʻohe āu helu ʻaiʻē, e ʻimi no ka 20% a ʻoi aku paha, no ka mea e hōʻemi ana i ka pilikia o ka mea hāʻawi a hōʻike i kou hiki ke mālama kālā me ke kuleana.
moraki usda
Ke hopohopo nei ʻoe i kāu helu ʻaiʻē maikaʻi ʻole e pale iā ʻoe mai ka loaʻa ʻana o kahi home? Mai ʻae i ka helu ʻaiʻē haʻahaʻa e kāohi iā ʻoe mai ka noi ʻana i kahi hōʻaiʻē. Loaʻa nā hōʻaiʻē home no ka poʻe me ka ʻaiʻē liʻiliʻi. Akā, mai hopohopo inā hele mai lākou me kahi koi uku uku.
I ka pōkole, ʻae ka pane. ʻOiai ʻokoʻa kēlā me kēia hihia, e hoʻomanaʻo ʻo ka helu ʻaiʻē "ʻino" he huaʻōlelo pili. I ka manawa pinepine, huikau ka poʻe i ka helu ʻaiʻē haʻahaʻa me ka "ʻino." ʻAʻole paha ʻoe i hala i nā uku a i ʻole nā uku i kou ola. Eia naʻe, ʻo ka hele ʻana ma luna o ka palena o nā kāleka hōʻaiʻē liʻiliʻi e hoʻohaʻahaʻa i kāu helu, e hāʻawi ana i ka illusion he ʻaiʻē maikaʻi ʻole kāu. Ke noi ʻoe i kahi hōʻaiʻē, e nānā ka luna i nā ʻano āpau, e hāʻawi iā ʻoe i kahi manawa hakakā. A i ʻole, ma ka liʻiliʻi loa, hiki iā ʻoe ke loaʻa ke alakaʻi i ka hoʻoponopono ʻana i kāu hōʻaiʻē i hiki iā ʻoe ke kūʻai i home i ka wā e hiki mai ana.
Ma American Financing, hiki iā mākou ke hana pū me ʻoe e ʻimi i ka hōʻaiʻē kūpono e hoʻokokoke aku ai iā ʻoe i ka ʻona home. Me ka uku mua nui, hiki ke loaʻa kahi hōʻaiʻē home ʻino. He kū hoʻokahi ke kūlana o kēlā me kēia kanaka. No laila, e lawe ka mea aʻoaʻo moraki i ka manawa e hoʻomaopopo i kāu mau pono a ʻike inā aia kekahi mau papahana hōʻaiʻē i hiki ke hoʻololi ʻia no ka loaʻa ʻana o kahi home. E hoʻomanaʻo i ka loaʻa ʻana o nā polokalamu hōʻaiʻē i kā lākou mau koi helu ʻaiʻē liʻiliʻi (e like me nā mea hāʻawi kālā). Akā inā ʻaʻole hiki iā ʻoe ke kūpono no kekahi mea i kēia manawa, ʻo ka hana ʻana i kekahi mau hoʻololi liʻiliʻi e hoʻoikaika i kāu hōʻaiʻē e hāʻawi iā ʻoe i nā koho moraki maikaʻi aʻe (a maʻalahi hoʻi ka ʻae ʻia) i ka wā e hiki mai ana.
Pehea e kūʻai ai i hale me ka uku ʻole a me ka hōʻaiʻē maikaʻi ʻole
Ma kēia ʻatikala, e nānā mākou i kekahi o nā koho āu e makemake ai e kūʻai i hale me ka uku ʻole. E hōʻike pū mākou iā ʻoe i kekahi mau koho hōʻaiʻē haʻahaʻa haʻahaʻa, a me ka mea hiki iā ʻoe ke hana inā loaʻa kāu helu ʻaiʻē haʻahaʻa.
E like me ka hōʻike ʻana o ka inoa, ʻo kahi moraki uku ʻole he hōʻaiʻē home hiki iā ʻoe ke loaʻa me ka uku ʻole. ʻO ka uku mua ka uku mua i hana ʻia ma ka home a pono e hana ʻia i ka manawa o ka pau ʻana o ka hōʻaiʻē moraki. E helu pinepine nā mea hōʻaiʻē i ka uku hoʻohaʻahaʻa ma ke ʻano he pākēneka o ka nui o ka hōʻaiʻē.
No ka laʻana, inā kūʻai ʻoe i hale no $200.000 a loaʻa iā ʻoe he 20% uku, hāʻawi ʻoe i $40.000 i ka pau ʻana. Pono nā mea hōʻaiʻē i ka uku hoʻohaʻahaʻa no ka mea, e like me ke kumumanaʻo, ʻoi aku kou makemake e hoʻopaʻa i kahi hōʻaiʻē inā loaʻa iā ʻoe kahi hoʻopukapuka mua ma kou home. ʻO ka uku hoʻohaʻahaʻa he mea paʻakikī nui ia no nā mea kūʻai hale he nui, no ka mea hiki ke lawe i nā makahiki e mālama ai i kahi kālā.
ʻO ke ala wale nō e loaʻa ai kahi moraki ma o nā mea kūʻai moraki nui me ka uku ʻole ʻana, ʻo ia ka lawe ʻana i kahi hōʻaiʻē i kākoʻo ʻia e ke aupuni. Hoʻopaʻa ʻia nā hōʻaiʻē kākoʻo aupuni e ke aupuni federal. I nā huaʻōlelo ʻē aʻe, kōkua ke aupuni (me kāu mea hāʻawi kālā) i ka hoʻopaʻa ʻana i ka bila inā ʻaʻole ʻoe i kau i kāu moraki.
