Moraki helu loli
ʻO ka poʻe i kūʻai i hale i nā makahiki ʻelua i hala iho nei ua uku ʻia he $647.036, e like me ka ʻikepili hou mai Mortgage Professionals Canada. ʻO ka uku median he $297.476, e like me kahi hōʻaiʻē $349.560, e like me ka ʻikepili hou mai Equifax Canada.
Inā piʻi nā kumukūʻai i 2% ma ka hopena o ka makahiki, ʻo ia ka manaʻo he 4,20%. I kēlā hihia, ʻike ka mea paʻa moraki i kā mākou laʻana i kāna uku mahina i $1.681, ma kahi o $300 ma mua o kāna i hoʻomaka ai ma Ianuali, a i ʻole $3.600 keu i kēlā me kēia makahiki.
He mea nui nō hoʻi e hoʻomaopopo ʻaʻole ʻike ka poʻe paʻa moraki hiki ke hoʻololi i kā lākou uku mahina. ʻO ka poʻe me ka moraki uku paʻa e ʻike wale i ka nui o kā lākou uku e hele i ka ʻāpana ukupanee, ʻoiai e emi ana ka nui e pili ana i ka uku kumu.
"Akā e hoʻomanaʻo nō hoʻi lākou e hoʻomau ke kumukūʻai o ka mākeke paʻa i ka hōʻemi ʻana o ka BoC i ka makahiki 2024 ma ka manaʻo e hoʻopau ka Bank i ka hoʻopaʻa ʻana a pono e hoʻihoʻi i ka wā e lohi ai ka hoʻokele waiwai ma mua o ka mea i manaʻo ʻia," wahi āna. "Inā loaʻa kēlā, ʻo ka mea e hoʻomaka i kahi moraki hiki ke hoʻololi ʻia i kēia lā, ʻo ka hapalua wale nō ia o ko lākou manawa i kēlā manawa."
Moraki helu loli
Inā ʻoe e ʻimi nei i ka uku pānaʻi, e ʻike ʻoe ʻo ka uku haʻahaʻa loa i loaʻa he moraki hiki ke hoʻololi. ʻO ia ke kumu i nīnau pinepine ʻia ai mākou, "He aha ke ʻano o ka loli a pehea ka ʻokoʻa mai kahi moraki paʻa?"
Me ka moraki hiki ke hoololiia, e hoololi ia ka uku panee ma muli o ka uku nui o ka mea nana i haawi mai, a ma ia hope aku e hahai ana i ka huina o ka Bank of Canada, a e helu pinepine ia ma ke ano he hapaha. ʻO ka paʻakikī, ʻaʻole hiki iā ʻoe ke wānana i ke ʻano o ka piʻi ʻana a me nā ʻoki e kali nei iā ʻoe.
Me ka moraki uku pa'a, e mau ana kou mau uku i ke ola o ka moraki, e haawi ana i ka pa'a. ʻOi aku ka maikaʻi o nā uku paʻa no ka poʻe kūʻai hale mua a i ʻole ka poʻe i loaʻa ʻole kahi home no ka manawa lōʻihi.
ʻO ka hapa nui o nā mea hoʻololi e ʻae iā ʻoe e hoʻohana i kahi koho e "paʻa" i ka uku paʻa i kēlā me kēia manawa no ke koena o ka ʻāpana o kāu manawa moraki a i ʻole. Hiki iā ʻoe ke hoʻopaʻa i kāu mau uku i ke ʻano inā ʻae ʻoe i ka uku kiʻekiʻe, e kōkua ana iā ʻoe e uku wikiwiki i kāu moraki a hana i kahi cushion kālā inā piʻi ka uku ma hope.
ʻO ka uku pānaʻi moraki ma ka mōʻaukala ʻAmelika
ʻO ka hōʻaiʻē e like me ke ʻano a me ka nui o ka moraki i uku ʻia i ka wā o ka hōʻaiʻē. No ka laʻana, inā loaʻa iā ʻoe kahi uku paneʻe o 3,44% ma kahi moraki paʻa 5 makahiki, e like nō ka uku no nā makahiki 5 āpau o ke kau a ʻaʻole e loli kāu uku. E like nō ka nui o ke kapena i uku ʻia.
ʻO kahi hōʻaiʻē kahi e piʻi ai ka uku paneʻe i luna a i lalo i ke ola o ka moraki e pili ana i nā kūlana mākeke. E mau ana nā uku, akā e hoʻonui a emi paha ka nui o ka moraki i uku ʻia ma muli o nā loli o ka uku. No ka laʻana, inā loaʻa iā ʻoe kahi moraki 5% 2,6-makahiki hiki ke hoʻololi ʻia, hiki ke iho i lalo i 2,4% no nā makahiki 3-5. E mau ana ka uku mahina, eia naʻe, ua hoʻonui ʻia ka nui o ka moraki i uku ʻia ma muli o ka haʻahaʻa haʻahaʻa.
Pono - Palekana, nui ka poʻe kūʻai hale mua ʻaʻole maopopo i nā uku āpau e pili ana i ka ʻona home. Me ka uku paneʻe paʻa, ʻike ka mea hōʻaiʻē i ke kumukūʻai o ka uku i ka manawa, no laila e ʻae iā lākou e hoʻolilo e like me ia. Eia kekahi, inā piʻi ka uku, ʻaʻole e loli ka uku paʻa. No laila, mālama ia i ka mea hōʻaiʻē inā piʻi nā kumukūʻai ma luna o kā lākou uku paʻa i kēia manawa.
He manawa maikaʻi paha ia no ka moraki variable 2018? pūnaewele
I Pepeluali 2022, ʻo ka uku pānaʻi ma nā moraki paʻa 10 mau makahiki ma kona wahi haʻahaʻa loa, 2,2%. Mai ka makahiki 2009, ua emi iho ka uku o ka moraki UK, he nūhou maikaʻi ia no ka poʻe kūʻai hale mua a me ka poʻe e hoʻihoʻi i kā lākou waiwai. Eia nō naʻe, me ka piʻi ʻana o ka inflation, ua hoʻomaka ka Bank of England e hoʻonui i ka nui o ka panakō ma 2022, e hoʻonui ana i nā kumukūʻai moraki. ʻOiai ka hopena maikaʻi ʻole o ka hoʻonui ʻana i nā kumukūʻai hōʻaiʻē, ʻo ia nō hoʻi e pale i ka noi no nā home a pale i ka piʻi ʻana o nā kumukūʻai hale i ʻike ʻia mai ka hoʻomaka ʻana o ka maʻi maʻi.
No ka mea e ho'āʻo ana e kiʻi i ka moraki, makemake ʻoe i nā uku haʻahaʻa loa. No ka mea hāʻawi, makemake ʻo ia e huki i nā mea hōʻaiʻē e like me ka hiki ke noho hoʻokūkū, ʻoiai e hoʻāʻo nei e hoʻokele i kona mau pilikia me nā uku kūpono. I ka makahiki 2020, ʻoi aku ka nui o nā mea hōʻaiʻē moraki UK ma mua o 40% o ka mākeke.
ʻO ka uku paneʻe mahina o nā hui kālā kālā UK (koe ka Central Bank) i nā makahiki 2 sterling (75% LTV) no nā moraki i nā hale (ma ka pākēneka) ʻaʻole i hoʻoponopono ʻia i ka manawa. ʻO nā helu ʻē aʻe e pili ana i ke kumuhana o UK MortgagesMortgages and FinancingGross market share of mortgage loan mai nā waihona UK nui 2020+Mortgages a me Financing ʻO ka moraki kūʻai mua manawa ma UK 2020, e nā ʻāpana + Mortgages a me nā ʻoihana FinancingBuilding i koho ʻia e nā waiwai o ka hui i ka United States. Aupuni 2020 Nā moraki a me ke kālā ʻO nā hōʻaiʻē moraki nui ʻelua ma United Kingdom Q4 2018- Q2 2021
