Nā ʻano hōʻaiʻē moraki me ke komo ʻole
ʻOiai ke hana like nā ʻano moraki a pau, hiki ke ʻokoʻa nā mea e like me ka uku panee, nā ʻano uku a me nā uku ma waena o nā huahana like ʻole. No laila, no ka loaʻa ʻana o ka hāʻawi maikaʻi loa ʻaʻole lawa ke koho ʻana i ka uku haʻahaʻa, akā pono ʻoe e ʻimi i ka moraki i kūpono i kāu kūlana kālā.
No ke kōkua ʻana iā ʻoe e ala i ka wikiwiki, ua hōʻuluʻulu mākou i kēia alakaʻi e wehewehe i nā ʻano moraki like ʻole i loaʻa ma UK, a me ke kūkākūkā pū ʻana i nā pono a me nā pōʻino. ʻO ka mea mua, e ʻike mākou i ka ʻokoʻa ma waena o nā moraki uku a me nā moraki ukupanee wale nō, nā ʻano ʻelua ʻelua āu e ʻike ai. Ma hope aʻe, e kamaʻilio mākou e pili ana i nā moraki hoʻololi a paʻa, ʻo ia nā ʻano ʻelua o nā moraki amortization. E kamaʻilio pū mākou e pili ana iā lākou:
ʻO ka moraki amortization kahi ʻano moraki kahi e hoʻihoʻi ʻia ai kahi hapa o ke kapikala i hōʻaiʻē ʻia, a me kahi hapa o ka ukupanee ma ka hōʻaiʻē. ʻO ka pahuhopu ka uku ʻana i ka huina kumu o ka hōʻaiʻē a me ka ukupanee i ka manawa i ʻaelike ʻia i ka wā e lawe ai i ka moraki, e hiki ai iā ʻoe ke hōʻiliʻili kālā i ka manawa a pau i kou home.
ʻAiʻē FHA
ʻO ka moraki maʻamau ʻano loli ke hiki ʻoe i ka hopena o ka manawa paʻa, e neʻe maʻamau ʻoe i kāu mea hāʻawi kālā maʻamau (SVR), ke ʻole ʻoe e hoʻoholo e moraki hou i kahi ʻaelike ʻē aʻe.
Ua hui pū ʻo Times Money Mentor me Koodoo Mortgage e hana i kahi mea hana hoʻohālikelike moraki. E hoʻohana iā ia e hoʻohālikelike i nā hāʻawi hiki iā ʻoe ke loaʻa, akā inā makemake ʻoe i ka ʻōlelo aʻo, ʻoi aku ka maikaʻi e kamaʻilio me kahi mea hoʻolimalima moraki:
ʻO ka hapa nui o nā mea hōʻaiʻē e koho i kahi kuʻikahi paʻa ma waena o ʻelua a ʻelima mau makahiki. ʻOiai he mea maʻamau nā huaʻōlelo he 25 mau makahiki, ʻo ka piʻi ʻana o nā kumukūʻai hale e ʻoi aku ka nui o ka poʻe e koho ana i nā moraki 30 makahiki.
ʻO kēia ka mea e maʻalahi ai ka hoʻolilo kālā a ʻo ia hoʻi ʻaʻole e loaʻa iā ʻoe kahi bila i manaʻo ʻole ʻia inā piʻi ka uku panee. ʻOiai e haʻahaʻa mau ana nā kumukūʻai, he manaʻo maikaʻi paha ia e laka i kēlā kumukūʻai haʻahaʻa i kēia manawa no ka mea e piʻi mau ana lākou.
ʻOi aku ka nui o ke kumukūʻai o ka SVR ma mua o ke koho ʻana i ka uku paʻa a i ʻole ka ʻaelike tracker (a hiki i ka 2% kiʻekiʻe), no laila ʻaʻole paha ʻo ia ke koho maikaʻi loa. Hiki ke loli a ʻaʻole pono e hahai i ka uku panee kumu, e like me ka hihia me nā moraki i mālama ʻia.
Moraki helu loli
ʻO ka nui a i ʻole nā haʻawina āpau ma kēia pūnaewele mai nā hui i uku ʻia ai nā Insiders (no ka papa inoa piha, ʻike maanei). Hiki i nā manaʻo hoʻolaha ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kēia pūnaewele (me ka laʻana, ke ʻano o ka ʻike ʻia ʻana), akā ʻaʻole pili i nā hoʻoholo hoʻoponopono, e like me nā huahana a mākou e kākau ai a pehea mākou e loiloi ai. Ke noiʻi nei ʻo Personal Finance Insider i kahi ākea ākea i ka wā e hana ai i nā ʻōlelo paipai; akā naʻe, ʻaʻole mākou e hōʻoiaʻiʻo i kēlā ʻike e hōʻike ana i nā huahana āpau a i ʻole nā haʻawina i loaʻa ma ka mākeke.
Kākau ʻo Personal Finance Insider e pili ana i nā huahana, nā hoʻolālā, a me nā ʻōlelo aʻoaʻo e kōkua iā ʻoe e hana i nā hoʻoholo akamai me kāu kālā. Hiki iā mākou ke loaʻa i kahi komisina liʻiliʻi mai kā mākou mau hoa, e like me American Express, akā kūʻokoʻa mau kā mākou hōʻike a me kā mākou ʻōlelo paipai. Pili nā huaʻōlelo i nā hāʻawi i hōʻike ʻia ma kēia ʻaoʻao. E heluhelu i kā mākou alakaʻi hoʻoponopono.
Ke kūʻai ʻana i hale, pono ʻoe e hoʻoholo i ke ʻano o ka moraki i kūpono loa. Hiki i kāu hoʻoholo ke iho i ka nui āu e pono ai e hōʻaiʻē a me ka ikaika o kāu kālā. Inā ʻaʻole ʻoe i kūpono no hoʻokahi ʻano moraki, hiki iā ʻoe ke loaʻa i kahi ʻē aʻe i kūpono i kāu mau pono.
He aha nā ʻano moraki 3?
ʻO ka hōʻaiʻē moraki he hōʻaiʻē i hoʻopaʻa ʻia e hāʻawi i ka mea hōʻaiʻē me ke kālā e kūʻē i ka waiwai o ka waiwai i hoʻohiki ʻia. Ua lilo ia i koho kaulana i waena o nā mea he nui no ka mea hāʻawi ʻo ia i ka nui o ka hōʻaiʻē nui ma ka uku haʻahaʻa haʻahaʻa, me kahi manawa uku maʻalahi. ʻEono ʻano moraki like ʻole ma India.
Hāʻawi ʻo Bajaj Finserv i nā hōʻaiʻē home ma nā uku uku hoʻokūkū e hoʻolilo i kāu mau kūʻai nui loa. Hoʻohui kēia mau hōʻaiʻē i nā hiʻohiʻona maikaʻi loa o nā ʻano moraki like ʻole i ʻōlelo ʻia ma luna nei a me:
E ʻoluʻolu e nānā pono i nā koi kūpono o kā mākou hōʻaiʻē home ma mua o ka noi ʻana. Eia kekahi, e ʻike i ka uku pānaʻi ma nā hōʻaiʻē home e hoʻolālā i kāu kālā. E hoʻohana pono iā lākou ma ka hahai ʻana i ke kaʻina hana Mortgage Loan maʻalahi.
