leveraged kālā
E noʻonoʻo i ka maʻalahi o ke ola inā hiki iā ʻoe ke kākau i kahi leka e kūʻai ai i kou home aʻe. ʻAʻohe kaʻina noi moraki, ʻaʻohe uku o kēlā me kēia mahina, ʻo ka palekana o ka loaʻa ʻana o kou home - ʻaʻole like me ka no-brainer, pololei?
ʻO ke kumu hoʻomaka kūpono i ka hoʻoholo ʻana i ke kālā a i ʻole e uku me ke kālā ke kumu kūʻai o ka hōʻaiʻē. No $618 (a i ʻole $79 wale nō i ka pule), e hui pū me hoʻokahi miliona mau lālā a mai haʻalele i kāu mau koho waiwai e hiki mai ana. Hoʻihoʻi kālā i nā lā 1,52. Aaeno ano
Wahi a Zillow, ʻo ke kumukūʻai home median ma ʻAmelika Hui Pū ʻIa he $248.857 e like me ka hoʻomaka ʻana o Mei 2020. ʻO nā kumukūʻai o kēia manawa ma kahi o 3,5% no nā moraki paʻa 30-makahiki a ma kahi o 2,75% no nā moraki paʻa 15-makahiki.
Inā hiki iā ʻoe ke uku i ka pila me ka ʻole o ka moraki, ʻo ka uku ʻana i ke kālā no ka home e mālama pono i ka nui o ke kālā i ka manawa: $50.000 a i $150.000 i nalowale ka ukupanee no ka mea kūʻai home maʻamau. Akā ʻaʻole i pau ka maikaʻi o ka uku ʻana i ke kālā.
ʻOi aku ka maikaʻi o ke kūʻai ʻana i kahi waiwai hoʻopukapuka me ke kālā a i ʻole me ka moraki?
Ma na wahi a pau e lohe ai oe i ka ino o ka aie. No laila, ʻo ke kumu maoli ke kūʻai ʻana i kahi home me ke kālā-a i ʻole ka waiho ʻana i ke kālā i loko o kou home e hiki ai ke pale i ka ʻaiʻē nui e pili ana i kahi moraki-ʻo ia ka koho maʻalahi no kou olakino kālā.
ʻO ka uku ʻana i ke kālā no ka home e hoʻopau i ka pono e uku i ka uku paneʻe ma ka hōʻaiʻē a me nā koina pani. "ʻAʻohe uku hoʻomaka moraki, uku loiloi, a i ʻole nā uku ʻē aʻe e hāʻawi ai i nā mea kūʻai kiʻi kiʻi," wahi a Robert Semrad, JD, hoa makua a me ka mea nāna i hoʻokumu i Chicago-based DebtStoppers Bankruptcy Law Firm.
ʻOi aku ka maikaʻi o ka uku kālā i nā mea kūʻai aku. "Ma kahi mākeke hoʻokūkū, e ʻae paha ka mea kūʻai aku i hoʻokahi hāʻawi kālā ma mua o kekahi no ka mea ʻaʻole pono lākou e hopohopo no ka mea kūʻai aku i kākoʻo ʻia e ka hōʻole ʻana i ke kālā," wahi a Peter Grabel, ka luna hoʻomalu o MLO Luxury Mortgage. Corp. .ma Stamford, Conn. Hiki i ke kūʻai ʻana i ka home ke hiki ke pani wikiwiki (inā makemake ʻia) ma mua o ka mea e loaʻa ai nā hōʻaiʻē, hiki ke ʻoluʻolu i ka mea kūʻai aku.
ʻO nā kumu e uku ai i ke kālā no ka hoʻolimalima hale
He lawelawe hoʻohālikelike kūʻokoʻa mākou i kākoʻo ʻia e 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.
He lawelawe hoʻohālikelike kūʻokoʻa mākou i kākoʻo ʻia e 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.
moraki noho
ʻO Elizabeth Weintraub he loea i ʻike ʻia i ka ʻāina i ka waiwai waiwai, ka inoa, a me ka escrow. He mea kūʻai waiwai ʻo ia a me ka mea kūʻai aku me nā makahiki he 40 o ke poʻo inoa a me ka ʻike escrow. Ua hōʻike ʻia kona ʻike ma ka New York Times, Washington Post, CBS Evening News, a me HGTV's House Hunters.
ʻO Doretha Clemons, Ph.D., MBA, PMP, he alakaʻi alakaʻi IT hui a kumu kumu no 34 mau makahiki. He kumu aʻoaʻo ʻo ia ma Connecticut State Colleges and Universities, Maryville University, a me Indiana Wesleyan University. He mea waiwai waiwai ʻo ia a me ka luna o ka Bruised Reed Housing Real Estate Trust, a he mea paʻa i ka laikini hoʻomaikaʻi hale mai ka Mokuʻāina ʻo Connecticut.
Hiki ke lohi a paʻakikī ke kaʻina hana kūʻai hale, ʻoiai inā ʻoe e hoʻāʻo nei e kūʻai ma kahi mākeke wela a hoʻokūkū me nā mea kūʻai aku. ʻO kahi hāʻawi kālā he ala e kū ai a wikiwiki i ke kaʻina hana.
ʻOiai heʻoiaʻiʻo ua pau nā hana a pau i ke kālā, ʻo ka ʻoiaʻiʻo o ke kālā kālā e hōʻike nei i nā mea kūʻai aku me nā pilikia. Makemake maoli nā mea kūʻai aku e launa pū me nā mea kūʻai aku i liʻiliʻi ka pilikia. ʻO nā hāʻawi kālā he ala maikaʻi ia e wehe ai i kēlā mau pilikia, akā ʻaʻole lākou ka koho maikaʻi loa.
