Moraki Mua o ka Lala
ʻO nā moraki ʻelua, i kapa ʻia ʻo nā liens junior, he mau hōʻaiʻē i hoʻopaʻa ʻia e ka waiwai ma waho o ka moraki mua [1][2]. Ma muli o ka wā i hoʻomaka ʻia ai ka moraki ʻelua, hiki ke hoʻonohonoho ʻia ka hōʻaiʻē ma ke ʻano he moraki lua kū hoʻokahi a i ʻole. ma ke ʻano he moraki lua puaʻa[3] ʻOiai ua hoʻokumu ʻia ka moraki lua kū hoʻokahi ma hope o ka hōʻaiʻē mua, ʻo ka poʻe me kahi ʻano hōʻaiʻē piggyback i hoʻokumu ʻia i ka manawa like me ka moraki mua. [4] [5] [6] Ma ke ʻano o ka wehe ʻana, hiki ke hoʻonohonoho ʻia nā moraki ʻelua e like me nā hōʻaiʻē home equity a i ʻole nā laina equity home [7] Home equity loans Hāʻawi ʻia nā hōʻaiʻē home equity no ka huina piha i ka manawa o ka hōʻaiʻē. hana ʻia, ʻokoʻa me nā laina kaulike home o ka hōʻaiʻē, e ʻae i ka mea nona ke komo i kahi kālā i koho mua ʻia i uku ʻia ma luna o ka manawa hoʻihoʻi [8].
Ma muli o ke ʻano o ka hōʻaiʻē, hiki ke hoʻopaʻa ʻia a hoʻololi ʻia nā uku ukupanee i hoʻohana ʻia i ka moraki ʻelua. Ma keʻano laulā, ʻoi aku ka nui o nā moraki ʻelua i ka nui o ka uku paneʻe e pili ana i ka hōʻaiʻē kumu, no ka mea, ʻoi aku ka kiʻekiʻe o ka pilikia i ka mea paʻa paʻa ʻelua [9][10][11] I ka wā o ka paʻa ʻana, kahi e hōʻole ai ka mea hōʻaiʻē. ma ka hōʻaiʻē waiwai, kūʻai ʻia ka waiwai i hoʻopaʻa ʻia no ka hōʻaiʻē e uku i nā aie o nā moraki ʻelua [12][10][13. [14] [10] [13] No ka loaʻa ʻana o ke kuleana ma lalo o ka moraki ʻelua i ke kūʻai ʻana aku i nā waiwai, e loaʻa i ka mea ʻaiʻē moraki ʻelua kekahi mau kālā i koe ma hope o ka uku piha ʻana o ka moraki mua a no laila, ʻaʻole paha uku piha ia[14] Ma waho aʻe o ka hoʻihoʻi ʻana i ka uku paneʻe, loaʻa nā mea hōʻaiʻē i nā koina mua e pili ana i ka hoʻomaka ʻana o ka hōʻaiʻē, ka noi, a me ka loiloi [15] ʻO nā uku e pili ana i ka hoʻomaka ʻana o ka hōʻaiʻē a me ka underwriting moraki ʻelua ua kapa ʻia ʻo ka uku noi a me ka uku kumu, kēlā me kēia. Hoʻopili ʻia nā mea hōʻaiʻē i nā uku hou i uku ʻia e ka mea hāʻawi, loiloi, a me ka mea hoʻolimalima[9].
Moraki pololei mua
I kēlā me kēia manawa āu e uku ai i kahi moraki, loaʻa iā ʻoe kahi liʻiliʻi o ke kaulike ma kāu waiwai. Ua ʻike paha ʻoe hiki iā ʻoe ke hoʻohana i kēlā kapikala e lawe i kahi hōʻaiʻē. Akā, pono anei ʻoe e hoʻolimalima hou a lawe i kahi moraki lua?
E nānā pono kākou i ka ʻokoʻa ma waena o ka moraki ʻelua a me ka hoʻihoʻi kālā. E hoʻohālikelike mākou i nā koho ʻelua, e nānā i kā lākou pono a me nā mea maikaʻi ʻole, a kōkua iā ʻoe e hoʻoholo i ke ala a puni ka ʻōpala āu e lawe ai.
Ke loaʻa iā ʻoe kahi moraki ʻelua, ʻaiʻē ʻoe i kahi ʻāpana kālā e kūʻē i ke kaulike ma kou home. Hiki iā ʻoe ke koho e hōʻaiʻē i ke kālā ma ka hoʻokaʻawale ʻana ma o ka laina o ka hōʻaiʻē, a inā pono ʻoe, aia nō ʻoe ke koho e hoʻihoʻi hou i kahi moraki lua.
Inā paha ʻoe i hoʻopaʻa ʻole i kou hale a hele i loko o ka paʻa. Hoʻihoʻi mua ka mea hāʻawi mua i kā lākou kālā, a ʻo nā mea i koe e hele i ka mea hāʻawi lua. ʻO ia hoʻi, ʻoi aku ka pilikia o ka mea hāʻawi lua no kāu hōʻaiʻē; no laila, ʻoi aku ka nui o kāu moraki lua ma mua o kāu moraki mua. Pono ʻoe e hōʻoia e hiki iā ʻoe ke uku i nā uku ʻelua. ʻO ka lilo ʻana o kāu hana a i ʻole nā pilikia kālā ke manaʻo nei e nalowale ana kou home.
Uku moraki mua
ʻO Justin Pritchard, CFP, he kākā'ōlelo uku a he loea kālā pilikino. Hoʻopili i ka panakō, nā hōʻaiʻē, nā hoʻopukapuka, nā moraki a me nā mea hou aku no The Balance. Loaʻa iā ia kahi MBA mai ke Kulanui o Colorado a ua hana ʻo ia no nā uniona hōʻaiʻē a me nā ʻoihana kālā nui, a me ke kākau ʻana e pili ana i ke kālā pilikino no nā makahiki he ʻelua.
ʻO Thomas J Catalano he CFP a me Registered Investment Advisor ma ka mokuʻāina o South Carolina, kahi i hoʻokumu ai ʻo ia i kāna ʻoihana aʻoaʻo kālā ponoʻī ma 2018. Hāʻawi ka ʻaoʻao ʻo Thomas iā ia i ka loea i nā ʻano like ʻole me ka hoʻopukapuka kālā, hoʻomaha, ʻinikua a me ka hoʻolālā kālā.
ʻO ka moraki ʻelua he ʻano hōʻaiʻē e hiki ai iā ʻoe ke hōʻaiʻē kūʻē i ka waiwai o kou home. He waiwai kou home, a ma ka lōʻihi o ka manawa hiki ke loaʻa ka waiwai i kēlā waiwai. ʻO nā moraki ʻelua, hiki ke lilo i nā laina kaulike o ka home (HELOCs) a i ʻole nā loan home equity, he ala e hoʻohana ai i kēlā waiwai no nā papahana a me nā pahuhopu ʻē aʻe me ka ʻole e kūʻai aku i kou home.
ʻO ka moraki ʻelua he hōʻaiʻē e hoʻohana ana i kou home i mea hōʻaiʻē, e like me ka hōʻaiʻē āu i kūʻai ai i kou home. ʻIke ʻia ka hōʻaiʻē ma ke ʻano he moraki ʻelua no ka mea ʻo kāu hōʻaiʻē kūʻai maʻamau ka hōʻaiʻē mua ma ka laina no ka uku inā hele kou home i ka paʻa.
Nā ʻano o ka moraki mua
ʻO ka moraki mua i kaupalena ʻia i ʻelua hapakolu o ka waiwai o ka waiwai. No laila, ʻo ka lua o ka moraki e hoʻolilo i ke koena o ka aie i ʻoi aku ma mua o ka moraki mua. Hoʻolilo ka panakō i ka nui o 80% o ka waiwai o ka waiwai, i māhele ʻia i ʻelua mau moraki: Laʻana: ʻO ke kumukūʻai kūʻai he CHF 1.000.000 a ʻo ka mea kūʻai aku he CHF 250.000 (25%) o ke kālā. I kēia hihia, ʻo ka hōʻaiʻē moraki he 75%. 'O ia ho'i, 'o ka moraki mua he CHF 650.000 (65%) a me ka moraki lua i ka CHF 100.000 (10%).
ʻO ka ʻokoʻa nui ma waena o ka moraki mua a me ka lua aia ma ke ʻano o ka amortization. ʻAʻohe palena o ka moraki mua a ʻaʻole pono e uku ʻia ma hope o kekahi mau makahiki. Eia naʻe, ʻo ka moraki ʻelua, he ʻaiʻē hoʻihoʻi, pono e hoʻokaʻawale ʻia ka moraki ʻelua ma mua o 15 makahiki a i ʻole ke hiki i ka makahiki hoʻomaha, ʻo ia ka mea e hiki mua. Pehea e hiki ai iaʻu ke uku i kaʻu moraki?
