Ka wanana o ka uku panee moraki 2022
Ua kokoke ʻoe e haʻalele i ka pūnaewele ʻo MidAtlantic Farm Credit. ʻAʻole mākou kuleana no, a ʻaʻole hoʻomalu, kākoʻo, a hōʻoiaʻiʻo paha i ka ʻike, nā huahana, a me nā lawelawe ma nā ʻaoʻao aʻe. He kulekele pilikino ʻē aʻe paha ka pūnaewele i hoʻopili ʻia a hāʻawi ʻole i ka palekana ma mua o kā mākou pūnaewele āu e ʻike pono ai. Mahalo.
Inā ʻoe i ʻimi a ʻimi paha i kahi mea hāʻawi kālā (financial best practice!) ma mua o ka hoʻoholo ʻana i kahi e loaʻa ai kāu hōʻaiʻē, e ʻike ʻoe he ʻokoʻa ka uku panee i hāʻawi ʻia mai kēlā me kēia wahi. ʻO ka waiho wale ʻana, ʻo ka uku paneʻe he hōʻike ia o ka pilikia. Ke ʻike ka mākeke i kahi pilikia kiʻekiʻe aʻe, koi ʻo ia i ka uku panee kiʻekiʻe.
He 4,75 ka uku panee maikai no ka moraki?
Ua kōkua kā mākou poʻe loea iā ʻoe e hoʻokele i kāu kālā no nā makahiki he ʻehā. Hoʻoikaika mau mākou e hāʻawi i nā mea kūʻai aku i ka ʻōlelo aʻoaʻo a me nā mea hana e pono ai ke kūleʻa i ka huakaʻi kālā o ke ola.
ʻAʻole uku kā mākou mea hoʻolaha iā mākou no nā loiloi maikaʻi a i ʻole nā manaʻo. Loaʻa i kā mākou pūnaewele nā papa inoa manuahi a me ka ʻike e pili ana i nā lawelawe kālā like ʻole, mai nā moraki a i ka waihona kālā a i ka ʻinikua, akā ʻaʻole mākou e hoʻokomo i kēlā me kēia huahana ma ka mākeke. Eia kekahi, ʻoiai mākou e hoʻoikaika nei e hana i kā mākou papa inoa e like me ka hiki, e ʻoluʻolu e nānā me nā mea kūʻai aku no ka ʻike hou loa.
Inā ʻoe e ʻimi nei i kahi hōʻaiʻē ʻoi aku ma mua o $548.250, hiki i nā mea hāʻawi kālā ma kekahi mau wahi ke hāʻawi iā ʻoe i nā huaʻōlelo ʻokoʻa ma mua o nā mea i helu ʻia ma ka papa ma luna. Pono ʻoe e hōʻoia i nā kūlana me ka mea hāʻawi kālā no ka nui o ka hōʻaiʻē i noi ʻia.
ʻAʻole hoʻokomo ʻia nā ʻauhau a me nā ʻinikua mai nā ʻōlelo hōʻaiʻē: ʻAʻole nā huaʻōlelo hōʻaiʻē (nā hiʻohiʻona o APR a me nā uku) i hōʻike ʻia ma luna nei i ka nui o nā ʻauhau a i ʻole nā uku inikua. ʻOi aku ka nui o kāu uku mahina inā hoʻokomo ʻia nā ʻauhau a me nā uku inikua.
ʻO nā ʻano moraki ma ka US
He lawelawe hoʻohālikelike kūʻokoʻa mākou, kākoʻo hoʻolaha. ʻO kā mākou pahuhopu ke kōkua iā ʻoe e hoʻoholo i nā hoʻoholo kālā ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka pahuhopu, a hiki iā ʻoe ke alakaʻi i ka noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
ʻO nā hāʻawi i hōʻike ʻia ma kēia pūnaewele mai nā hui e uku mai iā mākou. Hiki i kēia uku ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kēia pūnaewele, me ka laʻana, ke ʻano o ke ʻano e ʻike ʻia ai i loko o nā papa inoa. Akā ʻaʻole pili kēia uku i ka ʻike a mākou e paʻi ai, a me nā loiloi āu e ʻike ai ma kēia pūnaewele. ʻAʻole mākou e hoʻokomo i ka honua o nā hui a i ʻole nā haʻawina kālā i loaʻa iā ʻoe.
ʻO kā mākou mea hoʻolaha moraki a me nā mea hoʻoponopono e kālele ana i ka mea e mālama nui ai nā mea kūʻai aku - ʻo ka uku ukupanee hou loa, nā mea hāʻawi maikaʻi loa, ka hoʻokele ʻana i ke kaʻina hana kūʻai hale, hoʻihoʻi kālā i kāu moraki a me nā mea hou aku - i hiki iā ʻoe ke hilinaʻi i ka wā e hoʻoholo ai ma ke ʻano he mea kūʻai a nona he home.
ʻAno moraki ma ka US
Ke hoʻohana nei ka Federal Reserve i kāna mea kaua ikaika loa e kūʻē i ka piʻi kiʻekiʻe loa i nā makahiki he 40 i hala iho nei: ka piʻi ʻana o ka uku ukupanee. Ma ka Pōʻakolu, ua'ōlelo ke kikowaena kikowaena e hoʻonui i kāna kumukūʻai hoʻopaneʻe manawa pōkole e 0,5%, e hōʻailona ana i ka piʻi nui loa mai ka makahiki 2000. ʻO ka pahuhopu o ka Fed e hōʻemi i ka noi no nā waiwai a me nā lawelawe e nā mea kūʻai a me nā ʻoihana. I ka piʻi ʻana o nā kumukūʻai, manaʻo ʻia e ʻoi aku ka piʻi o ka hōʻaiʻē kālā no ke kūʻai ʻana i hale, kaʻa a i ʻole nā mea e pono ai, e hōʻole ai kekahi poʻe i ke kūʻai ʻana. Hiki i ka hāʻule o ka noi ke kōkua i ka hoʻopaʻa ʻana i ka inflation, ka mea i hoʻonui i ka 8,5% i Malaki, ʻo ka piʻi nui loa mai ka makahiki 1981. ʻAʻole ia he mea e kahaha ai ka neʻe ʻana i nā mea kūʻai aku a me nā ʻoihana, no ka mea, ua hoʻokiʻekiʻe mua ka Federal Reserve i nā kumukūʻai i ka hapaha. i ka lā Malaki a hōʻailona ʻia e hele hou nā piʻi. I ka manawa like, ua maʻa ka poʻe ʻAmelika i nā uku uku haʻahaʻa ma nā mea āpau mai ke kūʻai ʻana i ka home a i nā hōʻaiʻē kaʻa. ʻO ka piʻi ʻana o ka hapalua hapa, a i ʻole 0,50%, hiki ke hopena i ka piʻi ʻana o nā kumukūʻai e pili ana i kāu kālā.
