Uku moraki - deutsch
E uku ma o kā mākou ʻōnaehana automated 24 hola i ka lā a i ʻole me kahi ʻelele i nā hola ʻoihana. ʻO nā uku i hana ʻia ma ka hola 11:59 pm ET e hoʻokō ʻia ia lā hoʻokahi. (No ka laʻana, inā ʻoe i loko o ka Pākīpika Time Zone, e hoʻokō ʻia nā uku a hiki i ka hola 20:59 p.m. i ka lā hoʻokahi, a ʻo nā uku i hana ʻia ma hope o ia mea e mana i ka lā aʻe.) Hiki ke lawe ʻia ka uku a hiki i 5 mau lā e ʻike ʻia i kāu moʻokāki.
No ka hoʻouna ʻana i kāu uku ma ke kiko, e ʻoluʻolu e hoʻokomo i kāu stub uku a kākau i kāu helu moʻokāki ma ka laina memo o kāu haki. No ka hōʻoia i ka loaʻa ʻana o kāu uku i ka manawa, e ʻoluʻolu e ʻae i nā lā ʻoihana 7-10 ma mua o ka lā kau.
I kekahi mau kūlana, e ʻae mākou i ka uku moraki hapa. Eia naʻe, ʻaʻole hiki ke hoʻohana ʻia i kāu hōʻaiʻē a hiki i ka loaʻa ʻana o nā kālā kūpono e hoʻokō ai i ka uku maʻamau. No ke aʻo ʻana e pili ana i kāu mau koho, e kelepona iā Mortgage Customer Service ma 1-800-422-2442.
Ke hoʻokō ʻia ka uku maʻamau, e hoʻohana ʻia nā kālā hou i koe i kāu moraki ma ke ʻano he uku "Principal Only". E ʻoluʻolu e hiki iā mākou ke hoʻoponopono i kāu uku kumu inā loaʻa kāu uku o ka mahina o kēia manawa, ʻaʻole hewa kāu hōʻaiʻē, a ʻaʻohe āu uku ʻokoʻa.
helu moraki
ʻElua mau ʻāpana kumu e uku ai i kēlā me kēia moraki: ke kumu a me ka ukupanee. ʻO ke kumupaʻa ka nui o nā kālā i hōʻaiʻē ʻia no kāu hōʻaiʻē moraki, a ʻo ka ukupanee ke kālā i uku ʻia i kēlā me kēia mahina no ka hoʻohana ʻana i ka hōʻaiʻē. ʻO ka hoʻomaopopo ʻana i ke kumu a me ka ukupanee hiki ke kōkua iā ʻoe e koho i ke koho moraki maikaʻi loa iā ʻoe.
Ma kēia ʻatikala, e kaʻana like mākou i nā mea āpau e pono ai ʻoe e ʻike e pili ana i ke kumu a me ka hoihoi. E uhi mākou i nā ʻokoʻa ma waena o nā mea ʻelua a kōkua iā ʻoe e hoʻoholo i kāu ʻaiʻē, a i ʻole e uku, ma kāu moraki. E hoʻomanaʻo, aia kekahi mau lilo ʻē aʻe i hoʻokomo pū ʻia i kāu uku mahina.
ʻO ke kumupaʻa ka nui o ke kālā i hōʻaiʻē ʻia ke loaʻa ka hōʻaiʻē moraki. No ka helu ʻana i kāu kaulike moraki, e unuhi wale i kāu uku iho mai ke kumu kūʻai hope loa o kou home.
Inā ʻaʻole ʻoe maopopo i ka nui āu e hiki ai ke uku no kou home, ʻo kahi hoʻomaka maikaʻi ʻo kā mākou helu moraki. Pono ʻoe e hoʻokomo i ke kumukūʻai kūʻai, ka uku haʻahaʻa a me kekahi mau mea ʻē aʻe. Hāʻawi ka calculator iā ʻoe i kahi kuhi koʻikoʻi o kāu uku moraki i kēlā me kēia mahina. Ke hoʻoholo nei i ka uku moraki i loko o kou wahi hōʻoluʻolu, mai poina ʻoe ke kuleana no ka mālama ʻana, hoʻoponopono, ʻinikua, ʻauhau, a me nā mea hou aku.
kumu moraki
ʻO nā ʻauhau nā loiloi waiwai i ʻohi ʻia e ke aupuni kūloko. ʻOhi maʻamau ka poʻe hāʻawi kālā i kekahi hapa o kēia mau ʻauhau me kēlā me kēia uku moraki a paʻa i ke kālā i loko o kahi moʻokāki, i kapa ʻia ʻo escrow account, a hiki i ka wā e pau ai.
'O ka 'inikua o ka mea hale he ho'omalu kālā koi 'oe e mālama i ka wā i poino kou waiwai i ke ahi, ka makani, ka 'aihue, a me nā pilikia 'ē a'e. Ma muli o kou wahi ʻāina, pono paha ʻoe e kūʻai i ka ʻinikua wai hou.
Mālama ka ʻinikua moraki i kāu mea hāʻawi inā ʻaʻole hiki iā ʻoe ke uku i kāu moraki. ʻO ka pono o ka ʻinikua moraki e hilinaʻi maʻamau i ka nui o ka uku mua a me nā kūlana ʻē aʻe.
moraki calculator formula
ʻO ka moraki kahi hōʻaiʻē lōʻihi i hoʻolālā ʻia e kōkua iā ʻoe e kūʻai i home. Ma waho aʻe o ka uku ʻana i ke kapikala, pono ʻoe e uku i ka ukupanee i ka mea hāʻawi. ʻO ka hale a me ka ʻāina e hoʻopuni ana iā ia he mea paʻa. Akā inā makemake ʻoe e loaʻa kahi home, pono ʻoe e ʻike ma mua o kēia mau mea maʻamau. Pili pū kēia manaʻo i ka ʻoihana, ʻoi aku ka nui o nā kumukūʻai paʻa a me nā wahi pani.
ʻAneʻane loaʻa ka moraki ka poʻe kūʻai hale. Ua ʻōlelo pinepine ʻia nā kumukūʻai moraki ma ka nūhou ahiahi, a ʻo ka manaʻo ʻana e pili ana i ka neʻe ʻana o nā kumukūʻai kuhikuhi ua lilo ia i mea maʻamau o ka moʻomeheu kālā.
Ua puka mai ka moraki hou i ka makahiki 1934, i ka wa i hana ai ke aupuni - e kokua i ka aina ma o ke Kaumaha Nui - i ka papahana moraki e hoemi ana i ka uku mua e pono ai no ka hale ma o ka hoonui ana i ka nui o na mea nona ka hale e aie ai. Ma mua o kēlā, koi ʻia kahi 50% uku.
I ka makahiki 2022, makemake ʻia ka uku hoʻohaʻahaʻa he 20%, ʻoiai inā ʻoi aku ka liʻiliʻi o ka uku haʻahaʻa ma mua o 20%, pono ʻoe e lawe i kahi ʻinikua moraki pilikino (PMI), e hoʻonui ai i kāu uku mahina. Eia naʻe, ʻaʻole hiki ke loaʻa ka mea i makemake ʻia. Aia nā papahana moraki e ʻae i nā uku haʻahaʻa haʻahaʻa, akā inā hiki iā ʻoe ke loaʻa i kēlā 20%, pono ʻoe.
