$180.000 moraki 25 makahiki
Hiki iā ʻoe ke koho i kahi manawa hōʻaiʻē pōkole, e like me ka moraki 15 makahiki. Ma kēia ala, e uku ʻoe i ka hōʻaiʻē ʻaiʻē i ka hapalua o ka manawa a e hoʻopakele paha ʻoe i nā ʻumi kaukani euros i ka uku. Akā, e hoʻonui nui ʻia kāu uku mahina.
No nā mea he nui, ʻo kahi hōʻaiʻē moraki paʻa 30 makahiki ka huahana kūpono. ʻO kēia no ka mea, maʻalahi, hiki iā ia ke uku i nā mahina ʻoi aku ka maikaʻi. ʻO ka ʻaoʻao haʻahaʻa he hiki ke lōʻihi ke kūkulu ʻana i ke kapikala a uku i ka hōʻaiʻē.
"Hiki iā ʻoe ke uku i ka hōʻaiʻē ʻelua ʻoi aku ka wikiwiki, ʻoi aku ka liʻiliʻi o ka uku paneʻe i ke ola o ka hōʻaiʻē, a kūkulu ʻoe i ke kaulike home ma ka wikiwiki wikiwiki loa," wahi a Robert Johnson, he kumu aʻoaʻo kālā ma ke Kula ʻOihana. Heider o Ke Kulanui ʻo Creighton.
ʻO ka drawback nui o kahi moraki 15-makahiki, ʻoi aku ka kiʻekiʻe o nā uku o kēlā me kēia mahina, no ka mea pono ʻoe e uku i ka nui like i ka hapalua o ka manawa. No kēia kumu, ʻaʻole hiki i nā mea hale he nui ke uku i ka uku mahina.
ʻO ka mea maʻamau, ʻo kahi hōʻaiʻē 15-makahiki e lawe i ka uku haʻahaʻa haʻahaʻa ma mua o kahi moraki 30-makahiki. ʻO kēia no ka mea, ma ka ʻae ʻana e uku wikiwiki i ka ʻaiʻē, ʻoi aku ka liʻiliʻi o nā mea hōʻaiʻē 15 makahiki i nā mea hōʻaiʻē moraki.
Helu helu moraki UK
Ma ka waiho ʻana i kēia palapala, ʻae wau i ka American Financing e hoʻopili iaʻu, me ka hoʻohana ʻana i ka autodialer, leo, a i ʻole kikokikona, ma ka helu i helu ʻia ma luna, ʻoiai inā ʻike ʻia kaʻu helu kelepona ma nā papa inoa "Do Not Call". ». Hiki iaʻu ke koho i ka lā a me ka manawa kūpono iaʻu. Maopopo iaʻu ʻaʻole pono iaʻu e ʻae i ka loaʻa ʻana o ia mau kelepona a i ʻole nā leka uila e kūʻai aku i nā waiwai a i ʻole nā lawelawe mai ka American Financing. Hoʻomaopopo pū wau ʻaʻole kaʻana like ʻo American Financing i kaʻu ʻike pili me nā hui pili a i ʻole nā ʻaoʻao ʻekolu.
Ua noʻonoʻo paha ʻoe i nā pōmaikaʻi o ka uku koke ʻana i kāu moraki? ʻO kekahi o nā kumu kaulana loa e hoʻoholo ai ka poʻe e hana i kēia, ʻo ia ka mālama ʻana i nā tausani kālā i ka ukupanee ma ke ola o ka hōʻaiʻē. Eia naʻe, ʻaʻole ʻo ka uku mua ʻana i ka hōʻaiʻē ke koho maikaʻi loa no kēlā me kēia.
Hoʻoikaika nā papahana kaulana e like me ka FIRE Movement i ka poʻe ʻōpio a me nā ʻelemakule e uku i ka aie, e ʻimi i ke kūʻokoʻa kālā a hoʻomaha koke. Akā ʻo nā mea a pau āu e hoʻoikaika ai, aia kekahi mau kikoʻī koʻikoʻi e noʻonoʻo ai ma mua o ka hoʻoholo ʻana e uku i kāu mau mahina a i ʻole mau makahiki ma mua.
$180.000 uku moraki
He mea nui e ʻike i ka nui āu e hōʻaiʻē ai me ka moraki, no ka mea, e hoʻololi kēia i kāu ʻimi waiwai. E kōkua pū ia iā ʻoe e ʻike i ka nui o kahi waihona moraki āu e pono ai. Hoʻohana nā mea hōʻaiʻē moraki i nā ʻano kumu like ʻole e helu ai i ka nui o kā lākou hōʻaiʻē ʻana iā ʻoe, akā ʻo kā mākou helu moraki e hāʻawi iā ʻoe i ka manaʻo maikaʻi i ka nui o kāu hiki ke hōʻaiʻē. E ʻoluʻolu e hoʻomaopopo ʻia ʻo ka calculator wale nō ka manaʻo e hāʻawi i kahi hōʻailona.
Ma mua o kou hoʻomaka ʻana e ʻimi i ka hale o kāu mau moeʻuhane, pono ʻoe e ʻike i ka nui āu e hiki ai ke hōʻaiʻē no ke kālā. Ma keʻano laulā, e pili ana ka nui āu e hōʻaiʻē ai i nā mea ʻehā. ʻO ka nui āu e makemake ai e hōʻaiʻē e pili ana i ka waiwai o ka waiwai (ʻike pū ʻia ʻo ka ratio loan-to-value, a i ʻole LTV), kāu helu ʻaiʻē, kāu loaʻa, a me kāu mau lilo.
Hiki iā ʻoe ke uku ʻoluʻolu i ka moraki ke lawe ʻoe i waho i ʻole e hoʻopilikia ʻia kou home ma hope o nā hanana i ʻike ʻole ʻia (e like me ka piʻi ʻana o ka uku panee a i ʻole nā layoff). E hoʻomanaʻo i ka nānā ʻana o kāu mea hōʻaiʻē a i ʻole mea hoʻolimalima moraki e ʻike inā hiki iā ʻoe ke kūʻai aku i kahi moraki, ʻo ka hōʻoia ʻana hiki iā ʻoe ke hoʻokele maʻalahi i nā haʻawina āu e lawe ai e hāʻawi iā ʻoe i ka maluhia o ka noʻonoʻo ma mua o kou noi ʻana.
helu moraki wikiwiki
ʻO ka helu ʻana i ke kumukūʻai o ka moraki ʻaʻole ia he hana wikiwiki a maʻalahi, no ka mea he nui nā ʻano o nā koina a me nā ʻano hoʻololi e pono e noʻonoʻo ʻia. Ma waho aʻe o nā kumukūʻai like ʻole, e like me ka uku paneʻe o nā hōʻaiʻē, aia nā manawa like ʻole o nā hōʻaiʻē a hoʻohana pinepine ʻia nā komisina i nā moraki. I ka helu ʻana i ke kumukūʻai maʻamau o kahi moraki, pono e nānā ʻia nā ʻano aʻe:
E hoʻomanaʻo i ka ʻokoʻa ʻana o nā kumukūʻai moraki mai ka mea hāʻawi aku i ka mea nāna e hāʻawi aku, a me nā makana like ʻole i loaʻa mai ka mea hāʻawi like no nā kūlana like ʻole, e laʻa, ka nui o ka hōʻaiʻē i ka waiwai, ka mōʻaukala aie a ka mea noi, etc.
No laila, he mea hoihoi loa ka uku pānaʻi moraki i ka poʻe noi moraki i kēia manawa, ʻoiai aia kekahi mau kumu ʻē aʻe ʻaʻole maikaʻi, e like me ke koi e hāʻawi i kahi waihona no ka loaʻa ʻana o kahi hōʻaiʻē moraki a me nā waiwai o ka hale kiʻekiʻe.
Hōʻike ka mākeke o kēia manawa e hāʻawi ana ʻo Halifax i kahi helu hoʻomaka e like me ka haʻahaʻa e like me 1,23% (paʻa 2 mau makahiki me ka LTV kiʻekiʻe o 75%). Ma ka ʻaoʻao ʻē aʻe o ka pālākiō he mau moraki no ka poʻe me nā pilikia hōʻaiʻē, me Kensington e hāʻawi ana i ka helu mua o 5,59% (5-makahiki paʻa a me 85% kiʻekiʻe LTV). No laila, aia kahi ʻokoʻa nui i ka uku panee i loaʻa, ma muli o ke kūlana o ka mea noi a me nā kikoʻī o ka hōʻaiʻē.
