Moraki Halifax
ʻO kekahi o nā pōmaikaʻi nui loa o ka loaʻa ʻana o kahi home ʻo ia ka hiki ke kūkulu i ke kaulike i ka manawa. Hiki iā ʻoe ke hoʻohana i kēlā kaulike no ka loaʻa ʻana o nā kālā haʻahaʻa haʻahaʻa ma ke ʻano o ka moraki lua, a i ʻole kahi hōʻaiʻē hoʻokahi a i ʻole kahi laina ʻaiʻē home equity (HELOC). Loaʻa i kēlā me kēia ʻano o ka hōʻaiʻē nā pono a me nā pōʻino, no laila he mea nui e hoʻomaopopo i kā lākou pono a me nā pōʻino ma mua o ka holo ʻana. Loaʻa paha iā ʻoe nā koho ʻē aʻe.
Hoʻohana nā hōʻaiʻē home equity a me HELOC i ka waiwai o ka home, ʻo ia hoʻi, ka ʻokoʻa ma waena o ka waiwai o ka home a me ke koena o ka moraki, ma ke ʻano he mea hōʻaiʻē. ʻOiai ua hōʻoiaʻiʻo ʻia lākou me ka waiwai o ka hale, ʻo nā hōʻaiʻē ma ke kumukūʻai o ka mea like ke hāʻawi aku nei i nā kumukūʻai hoʻokūkū hoʻokūkū, kokoke i nā mea o nā moraki mua. Ke hoʻohālikelike ʻia me nā kumu hōʻaiʻē paʻa ʻole e like me nā kāleka hōʻaiʻē, e uku ʻoe i nā koina kālā liʻiliʻi no ka nui o ka hōʻaiʻē like.
Eia nō naʻe, ʻo ka hoʻohana ʻana i kou home ma ke ʻano he mea hōʻaiʻē he mea ʻino. Hāʻawi ka poʻe hāʻawi kālā i ka lua o ka lien ma kou home, e hāʻawi iā lākou i kou home me ka lien mua inā ʻoe e paʻa. ʻO ka nui o kāu hōʻaiʻē kūʻē i kou home a i ʻole condo, ʻoi aku ka nui o kou pilikia.
Ehia na dala e hiki ia'u ke aie ma ka moraki?
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 kāu moraki i ka mea lawelawe āu e uku ai i kēlā me kēia mahina. 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. 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 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 huli ana i ka Electronic Mortgage Registration System website (MERS). Waiho mai i palapala noi. ʻO kahi koho ʻē aʻe e waiho i kahi noi i kākau ʻia 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.
ʻEhia ka nui o ka moraki e hiki iaʻu ke uku?
ʻO ka moraki, he hōʻaiʻē mai kahi panakō a hale hale paha e kōkua ai i ka uku ʻana i kahi waiwai. He ala maikaʻi kēia no ka poʻe ʻōpio e komo i ka mākeke waiwai. Eia nō naʻe, ʻoiai ua helu ʻia nā hōʻaiʻē moraki ma muli o ka loaʻa kālā makahiki, he aha ka nui o ka moraki e hiki ke loaʻa i ka poʻe hana ponoʻī?
ʻOiai ʻoi aku ka paʻakikī o ka loaʻa ʻana o ka moraki i ka poʻe hana ponoʻī, ʻaʻohe mea e pale iā lākou mai ka loaʻa ʻana o kahi hōʻaiʻē e like me nā limahana hana. ʻO ka maʻamau, ʻo ka nui o ke kanaka hiki ke hōʻaiʻē a hiki i ʻelima mau manawa o ka nui o kā lākou loaʻa kālā hōʻoia makahiki. No nā mea kūʻai mua, ua kaupalena ʻia kēia helu maʻalahi i 4,5 mau manawa. Eia nō naʻe, ʻokoʻa kēia ma waena o nā mea hoʻolako, me ka hāʻawi ʻana o kekahi ma kahi o ʻehā a ʻehā a me ka hapa manawa o ka loaʻa kālā makahiki. Eia kekahi, pono e uku ka poʻe hana ponoʻī a me nā limahana i kahi waihona no ka hale. ʻO ke kiʻekiʻe o ka waihona, ʻoi aku ka maikaʻi o ka uku pānaʻi hōʻaiʻē e hāʻawi ʻia iā ʻoe.
I ka manawa i hoʻolimalima ai ʻoe i kahi moʻohelu kālā e nānā i kāu mau moʻokāki a i ʻole e hoʻopiha i kahi palapala ʻauhau loiloi ponoʻī no ka mea hāʻawi kālā, he mea nui e kūkākūkā i ka waihona. Makemake paha kekahi poʻe kūʻai hale manawa mua e kali liʻiliʻi ma mua o ka noi ʻana i kahi moraki e mālama i kahi waihona nui.
Helu helu moraki Santander
Inā ua hoʻomaka ʻoe e nānā i nā waiwai, hiki iā ʻoe ke hoʻokomo i ka waiwai o ka waiwai a me ka nui o ka waiho ʻana i ka helu helu, a e hōʻike mākou iā ʻoe i kāu ratio loan-to-value (LTV). E ʻae kēia iā ʻoe e nānā i nā uku ukupanee i loaʻa iā ʻoe.
E ʻoluʻolu, ʻaʻole i noʻonoʻo ka helu i hāʻawi ʻia i kou kūlana pilikino, e like me nā lilo o kou home, kāu mōʻaukala aie a i ʻole ke kūlana o ka waiwai. Manaʻo ikaika mākou e loaʻa iā ʻoe kahi hoʻoholo ma ke kumu, ʻo ia ka manaʻo pilikino o ka nui āu e hiki ai ke hōʻaiʻē. E ʻike pū i ka ʻāpana “Important Information”.
