Ke ano o ka moraki
ʻO ka Loan-to-value (LTV) kahi loiloi hōʻaiʻē e nānā ʻia e nā hui kālā a me nā mea hāʻawi kālā ʻē aʻe ma mua o ka ʻae ʻana i kahi moraki. ʻO nā loiloi hōʻaiʻē me ka ratio loan-to-value kiʻekiʻe e manaʻo ʻia he mau hōʻaiʻē pilikia. No laila, inā ʻae ʻia ka moraki, ʻoi aku ka nui o ka uku pānaʻi.
Eia hou, hiki i kahi hōʻaiʻē me kahi ratio LTV kiʻekiʻe ke koi i ka mea ʻaiʻē e kūʻai i ka ʻinikua moraki e hoʻopau i ka pilikia i ka mea hāʻawi. Ua kapa ʻia kēia ʻano ʻinikua pilikino pilikino (PMI).
Ua helu ʻia ka lakio LTV ma ka puʻunaue ʻana i ka nui i ʻaiʻē ʻia e ka waiwai i koho ʻia o ka waiwai, i hōʻike ʻia ma ke ʻano he pākēneka. No ka laʻana, inā kūʻai ʻoe i hale i koho ʻia ma $100.000 no kona waiwai i koho ʻia, a e uku ʻoe i $10.000, e hōʻaiʻē ʻoe i $90.000. ʻO ka hopena, he 90% LTV (ʻo ia hoʻi, 90.000/100.000).
ʻO ka hoʻoholo ʻana i ka ratio LTV he mea koʻikoʻi ia o ke kākau ʻana i kahi moraki. Hiki ke hoʻohana ʻia i ke kaʻina hana o ke kūʻai ʻana i hale, hoʻihoʻi hou i kahi moraki i kēia manawa i kahi hōʻaiʻē hou, a i ʻole ka lawe ʻana i kahi hōʻaiʻē e kūʻē i ke kaulike o kahi waiwai.
Waiwai waiwai waiwai
Pono kēia ʻatikala i nā huaʻōlelo hou no ka hōʻoia. E ʻoluʻolu e kōkua i ka hoʻomaikaʻi ʻana i kēia ʻatikala ma ka hoʻohui ʻana i nā huaʻōlelo mai nā kumu hilinaʻi. Hiki ke hoʻohālikelike ʻia a wehe ʻia nā mea kumu ʻole. E ʻimi i nā kumu: "Home Loan" - Nūhou - Nūpepa - Puke - Academic - JSTOR (ʻApelila 2020) (E aʻo pehea a me ka wā e wehe ai i kēia pou mai ka template)
Hiki i nā mea hōʻaiʻē moraki ke lilo i poʻe e moraki ana i ko lākou home a i ʻole he mau hui e moraki ana i ka waiwai kalepa (e laʻana, ko lākou hale ʻoihana ponoʻī, nā hale noho i hoʻolimalima ʻia i nā mea hoʻolimalima, a i ʻole kahi waihona hoʻopukapuka kālā). ʻO ka mea hāʻawi kālā maʻamau he ʻoihana kālā, e like me ka panakō, ka hui ʻaiʻē a i ʻole kahi hui moraki, e hilinaʻi ana i ka ʻāina i nīnau ʻia, a hiki ke hana pololei ʻia nā ʻaelike hōʻaiʻē ma o nā mea waena. ʻO nā hiʻohiʻona o nā hōʻaiʻē moraki, e like me ka nui o ka hōʻaiʻē, ke oʻo ʻana o ka hōʻaiʻē, ka uku pānaʻi, ke ʻano o ka uku ʻana i ka hōʻaiʻē a me nā ʻano ʻē aʻe, hiki ke ʻokoʻa loa. ʻO nā kuleana o ka mea hāʻawi i ka waiwai i hoʻopaʻa ʻia ma mua o ka poʻe ʻaiʻē ʻē aʻe o ka mea hōʻaiʻē, ʻo ia hoʻi, inā lilo ka mea hōʻaiʻē i ka panakalupa a i ʻole ka ʻaiʻē, e loaʻa wale i nā mea ʻaiʻē ʻē aʻe ka uku o ka aie iā lākou ma ke kūʻai ʻana i ka waiwai. e uku mua ia.
Helu helu moraki
ʻO ka loiloi moraki he ʻano loiloi kikoʻī i hana ʻia e ka mea hāʻawi moraki e kōkua i ka hōʻoia ʻana i ka waiwai o ka waiwai. Hoʻohana ʻia ia e ʻike inā he koleke kūpono ka waiwai no ka hōʻaiʻē āu i noi ai. Hoʻonohonoho maʻamau ka mea hāʻawi i kahi loiloi moraki.
Ma waho aʻe o ka hōʻoia ʻana i ka waiwai o ka waiwai a me ka hōʻaiʻē kūpono no ka hōʻaiʻē, kōkua pū ka loiloi moraki i ka mea hāʻawi e helu i ka ratio loan-to-value (LTV). ʻO kēia ka nui āu e makemake ai e hōʻaiʻē e pili ana i ka waiwai o ka home. ʻO ka ratio loan-to-value e hoʻoholo ai i ka uku pānaʻi moraki āu e ʻae ai.
ʻO nā kumukūʻai moraki o ka waiwai paʻa i manaʻo ʻia no ke kūʻai ʻana i ka home e komo pū me kahi "waiwai hoʻolimalima" i manaʻo ʻia a i ʻole hiki ke hoʻolimalima ʻia, e pili ana i nā hoʻolimalima i loaʻa ma ia wahi. Kōkua kēia i ka mea hāʻawi kālā e helu i ka nui o ka hōʻaiʻē, a i ʻole LTV ratio, ma kahi moraki home.
I kekahi manawa hiki i ka mea hāʻawi kālā ke noi i kahi palapala hōʻoia no nā defects structural (SDW) inā ʻoi aku ka liʻiliʻi o ka waiwai ma mua o 10 mau makahiki, a i ʻole ua hoʻololi ʻia a hoʻololi paha. Hāʻawi ʻia ka SDW e ka mea hoʻomohala a i kūʻai ʻia e ka mea nona ka mua. Hoʻolālā ʻia lākou e uhi i nā koina o ka hoʻoponopono ʻana a i ʻole ka hana hoʻoponopono ʻana ma muli o nā hemahema o ke kūkulu ʻana i nā hale hou.
helu moraki
ʻO ka Loan-to-value (LTV) kahi loiloi pilikia e nānā ai nā mea hāʻawi kālā a me nā mea hāʻawi kālā ʻē aʻe ma mua o ka ʻae ʻana i kahi moraki. ʻO nā loiloi hōʻaiʻē me ka ratio loan-to-value kiʻekiʻe e manaʻo ʻia he mau hōʻaiʻē pilikia. No laila, inā ʻae ʻia ka moraki, ʻoi aku ka nui o ka uku pānaʻi.
Eia hou, hiki i kahi hōʻaiʻē me kahi ratio LTV kiʻekiʻe ke koi i ka mea ʻaiʻē e kūʻai i ka ʻinikua moraki e hoʻopau i ka pilikia i ka mea hāʻawi. Ua kapa ʻia kēia ʻano ʻinikua pilikino pilikino (PMI).
Ua helu ʻia ka lakio LTV ma ka puʻunaue ʻana i ka nui i ʻaiʻē ʻia e ka waiwai i koho ʻia o ka waiwai, i hōʻike ʻia ma ke ʻano he pākēneka. No ka laʻana, inā kūʻai ʻoe i hale i koho ʻia ma $100.000 no kona waiwai i koho ʻia, a e uku ʻoe i $10.000, e hōʻaiʻē ʻoe i $90.000. ʻO ka hopena, he 90% LTV (ʻo ia hoʻi, 90.000/100.000).
ʻO ka hoʻoholo ʻana i ka ratio LTV he mea koʻikoʻi ia o ke kākau ʻana i kahi moraki. Hiki ke hoʻohana ʻia i ke kaʻina hana o ke kūʻai ʻana i hale, hoʻihoʻi hou i kahi moraki i kēia manawa i kahi hōʻaiʻē hou, a i ʻole ka lawe ʻana i kahi hōʻaiʻē e kūʻē i ke kaulike o kahi waiwai.
