ʻO nā lilo a pau e pili ana i ke kūʻai ʻana i hale
No laila ma mua o kou noi ʻana i kahi moraki a hoʻoholo i kahi home, e hōʻoia ʻoe hiki iā ʻoe ke uku hou aku ma mua o kāu ʻaiʻē. I ka wā o ka ʻae ʻana, e kōkua kāu mea hōʻaiʻē moraki iā ʻoe e hoʻolālā i kāu kaʻina uku a hoʻomaopopo pono i kāu mea hiki ke loaʻa.
No ka hoʻomaka ʻana, ʻehā mau mea nui o ka uku moraki e noʻonoʻo ai: Principal, Interest, Taxes, and Insurance (PITI). Hoʻohana ʻia kēia mau ʻāpana e helu i ka huina o ka uku moraki ke hoʻoholo ʻia ka nui o ka hōʻaiʻē a me ka manawa uku.
ʻO ke kumupaʻa ka nui o ke kālā a ka panakō i hōʻaiʻē iā ʻoe e uku no kou home. Inā hāʻawi ka panakō iā ʻoe i $100.000, ʻo ke kumu he $100.000. Ma kahi hōʻaiʻē maʻamau 30-makahiki, ʻo ka makahiki mua, hoʻomaka ka uku ʻana o ke kumu ma nā uku liʻiliʻi, a ʻo ka hapa nui o ka uku moraki he ukupanee. Eia nō naʻe, me kēlā me kēia mahina e hala ana, hoʻonui nā uku kumu a lilo i ka hapa nui o ka uku moraki i nā makahiki hope o kāu uku.
Hoʻihoʻi ʻia ka uku noi moraki
ʻO nā kumukūʻai pani moraki nā uku āu e uku ai ke lawe ʻoe i kahi hōʻaiʻē, inā ʻoe e kūʻai ana i kahi waiwai a i ʻole ke kālā hou. Pono ʻoe e uku ma waena o 2% a me 5% o ke kumukūʻai kūʻai o kāu waiwai i nā koina pani. Inā ʻoe e lawe i ka ʻinikua moraki, ʻoi aku ka kiʻekiʻe o kēia mau koina.
ʻO nā koina pani nā lilo āu e uku ai ke pani ʻoe i ke kūʻai ʻana i hale a i ʻole nā waiwai ʻē aʻe. Aia kēia mau koina i nā uku noi, nā uku loio, a me nā helu hoʻemi, inā pili. Inā hoʻokomo ʻia nā komisina kūʻai a me nā ʻauhau, hiki ke hoʻokokoke ka nui o nā kumukūʻai pani waiwai i ka 15% o ke kumukūʻai kūʻai o kahi waiwai.
ʻOiai hiki ke nui kēia mau kumukūʻai, uku ka mea kūʻai aku i kekahi o lākou, e like me ke komisina waiwai, hiki ke kokoke i 6% o ke kumukūʻai kūʻai. Eia naʻe, na ka mea kūʻai mai ke kuleana o kekahi mau koina pani.
ʻO ka nui o nā kumukūʻai pani i uku ʻia ma kahi kālepa waiwai ʻokoʻa like ʻole, ma muli o ke kumukūʻai kūʻai o ka home, ke ʻano o ka hōʻaiʻē, a me ka mea nāna i hāʻawi aku. I kekahi mau hihia, hiki ke emi nā koina pani e like me 1% a i ʻole 2% o ke kumu kūʻai o kahi waiwai. Ma nā hihia ʻē aʻe – e pili ana i nā mea hoʻolimalima hōʻaiʻē a me nā ʻelele waiwai, no ka laʻana - hiki ke ʻoi aku ka nui o nā kumukūʻai pani ma mua o 15% o ke kumukūʻai kūʻai o kahi waiwai.
Helu helu moraki
Ma kāu kūʻai ʻana i ka home, ua hoʻolako nā ʻaoʻao ʻekolu-e like me kāu loio waiwai a me ka mea hāʻawi moraki. ʻO nā koina pani e pili ana i nā uku a kēia poʻe loea (a me nā mea ʻē aʻe) e uku ai no kēia mau lawelawe no ka hoʻopau ʻana i ke kālepa waiwai a me kāu hōʻaiʻē moraki.
ʻO nā kumukūʻai pani maʻamau mai 3% a 6% o ke kumu kūʻai kūʻai o ka home. No laila, inā kūʻai ʻoe i kahi hale $200.000, hiki i kāu mau koina pani ke piʻi mai $6.000 a i $12.000. ʻOkoʻa nā kumukūʻai pani e ka mokuʻāina, ʻano hōʻaiʻē, a me ka mea hāʻawi moraki, no laila he mea nui e nānā pono i kēia mau koina.
Ua koi ʻia ka mea hāʻawi kālā e ke kānāwai e hāʻawi iā ʻoe i kahi koho hōʻaiʻē i loko o ʻekolu mau lā ʻoihana ma hope o ka loaʻa ʻana o kāu palapala moraki. Hōʻuluʻulu kēia palapala kī i nā kumukūʻai pani i manaʻo ʻia a me nā kikoʻī ʻē aʻe o ka hōʻaiʻē. ʻOiai e loli paha kēia mau helu i ka lā pani, ʻaʻohe mea kupanaha.
ʻEkolu mau lā ʻoihana ma mua o ka pani ʻana, pono e hāʻawi ka mea hāʻawi iā ʻoe i kahi palapala ʻike pani. E ʻike ʻoe i kahi kolamu e hōʻike ana i nā kumukūʻai pani mua i manaʻo ʻia a me nā koina pani hope, a me kekahi kolamu e hōʻike ana i ka ʻokoʻa inā piʻi nā kumukūʻai. Inā ʻike ʻoe i nā lilo hou ʻaʻole i helu ʻia ma kāu kuhi hōʻaiʻē kumu a i ʻole e ʻike i nā kumukūʻai pani kiʻekiʻe loa, e nīnau koke i kāu mea hāʻawi a/a i ʻole nā mea kūʻai waiwai no ka wehewehe.
Na lilo pani a ka mea hoaaie
He loea ʻo Laura Leavitt i ka mālama kālā, hoʻopukapuka kālā, ʻinikua, hōʻaiʻē a me nā moraki. He mea kākau moʻolelo kālā pilikino mai ka makahiki 2016, hoʻoikaika ʻo Laura e hana i nā kumuhana paʻakikī i hiki i ka poʻe heluhelu me ka maopopo a me ka pololei. Ua kākau pū ʻo Laura no NextAdvisor, MoneyGeek, Personal Finance Insider, a me The Financial Diet.
Lea Uradu, JD he puka puka no ke Kulanui o Maryland School of Law, Registered Tax Preparer in the State of Maryland, State Certified Notary Public, Certified VITA Tax Preparer, Komo i ka Annual Filing Season Program o ka IRS, ka mea kākau ʻauhau a me ka mea hoʻokumu. o na Oihana Hooholo Auhau. Ua hana pū ʻo Lea me nā haneli o ka poʻe malihini a me nā mea kūʻai ʻauhau federal.
Ua ʻoi aku ma mua o ʻumi makahiki o Ariana Chavez o ka noiʻi ʻoihana, hoʻoponopono, a me ka ʻike kākau. Ua hana ʻo ia ma ka ʻoihana hoʻonaʻauao a me ka paʻi kikohoʻe, e pili ana i ka moʻolelo socioeconomic o ʻAmelika Hui Pū ʻIa a me ke kālā pilikino, ma waena o nā kumuhana ʻē aʻe. Hāʻawi ʻo ia i kēia ʻike ma ke ʻano he mea nānā ʻoiaʻiʻo no The Balance e hōʻoia i ka pololei o nā ʻike i ʻōlelo ʻia ma nā ʻatikala.
