Moraki Elua vs
Inā loaʻa iā ʻoe kou home a pono ʻoe e uhi i kahi lilo nui—e hoʻomaikaʻi paha i kāu lumi kuke a i ʻole e hoʻoponopono i kahi hale liʻiliʻi—akā ʻaʻohe ou kālā i loaʻa, hiki iā ʻoe ke noʻonoʻo e lawe i kahi moraki ʻelua e loaʻa koke ke kālā.
ʻElua ʻano o nā moraki ʻelua: home equity loans a me home equity lines of credit (HELOCs). ʻOiai ʻaʻole like nā ʻano hōʻaiʻē, pili lākou ʻelua i ka hōʻaiʻē kālā e pili ana i ke kaulike o kou home, ʻo ia ka ʻokoʻa ma waena o ka mea a kou home e kūʻai aku ai ma ka mākeke o kēia lā a me kāu ʻaiʻē i kāu moraki.
1. ʻOkoʻa nā hōʻaiʻē Home Equity a me HELOC. ʻOiai ke hoʻohana nei kekahi poʻe i kēia mau huaʻōlelo, he ʻokoʻa iki lākou. Me kahi hōʻaiʻē home equity, e loaʻa iā ʻoe ka nui o ka hōʻaiʻē holoʻokoʻa i mua, e hāʻawi iā ʻoe i ka maʻalahi e uku i kahi mea nui i ka manawa hoʻokahi. Akā, ʻoi aku ka hana o kahi HELOC e like me ke kāleka hōʻaiʻē, kahi e hāʻawi ai ka mea hāʻawi iā ʻoe i kahi kālā hiki iā ʻoe ke huki i ka wā e pono ai ʻoe e uku no nā mea.
2. Me kēlā me kēia ʻano o ka moraki ʻelua, hiki iā ʻoe ke hoʻohana i ke kālā no nā mea āu e makemake ai. ʻOiai ke hoʻohana nei nā hōʻaiʻē home equity a me nā HELOC i kou home ma ke ʻano he koʻa, ʻaʻole pono ʻoe e hoʻolilo i ke kālā no nā lilo o ka home. Nui ka poʻe e lawe i nā hōʻaiʻē home equity no nā mea e like me ke kula haʻawina, nā pili olakino, a i ʻole ka hoʻohui ʻana i nā aie. ʻOi aku ka haʻahaʻa o ka uku panee ma kēia mau hōʻaiʻē ma mua o nā ʻano aie ʻē aʻe, no laila hiki ke hoʻohana ʻia e hoʻohui i ka ʻaiʻē kiʻekiʻe, e like me nā koena kāleka hōʻaiʻē.
Nā ʻano moraki ʻelua
Ma kēiaʻatikala e kamaʻilio mākou e pili ana i nā pilikia o ka loaʻaʻana o ka moraki lua. E hōʻike mākou i kekahi mau hiʻohiʻona e hiki ai iā ʻoe ke aʻo i kahi mea a i ʻole ʻelua a hoʻoholo inā pono ka loaʻa ʻana o ka moraki lua a ʻaʻole paha.
Hiki i ka moraki lua ke kōkua iā ʻoe i kāu waiwai inā lōʻihi ʻoe e maopopo ua hoʻohana maikaʻi ʻia a hiki iā ʻoe ke hoʻihoʻi. ʻO ka uku ʻana i kahi moraki hiki ke hoʻopau i ke ola a hiki ke lilo koke i moeʻuhane inā ʻaʻole ʻoe i nā kumuwaiwai kālā e mālama ai.
Ma kēiaʻatikala e kamaʻilio mākou e pili ana i nā pilikia o ka loaʻaʻana o ka moraki lua. E hōʻike mākou i kekahi mau hiʻohiʻona e hiki ai iā ʻoe ke aʻo i kahi mea a i ʻole ʻelua a hoʻoholo inā he pono a ʻaʻole paha ka loaʻa ʻana o kahi moraki lua.
He manaʻo maʻamau kēia. Ma ka lawe ʻana i kahi moraki ʻelua a i ʻole kekahi hōʻaiʻē ʻē aʻe, lawe mau ʻoe i nā aie hou aʻe. ʻO ka mea maʻamau, ke ʻaiʻē nei ʻoe i ke kālā hou aʻe me ka uku panee a me nā ʻano ʻauhau ʻē aʻe. ʻO ka manaʻo e uku like ʻole i ka nīnau.
Akā ʻo ka pilikia: he aha ka mea inā ʻaʻole ʻoe e uku? ʻIke ʻoe, inā ʻaʻole hiki iā ʻoe ke kūʻai i hoʻokahi, ʻaʻole hiki iā ʻoe ke kūʻai i ka lua. I kēlā hihia, hiki iā ʻoe ke hoʻopau i kāu waiwai a me kekahi mea ʻē aʻe. ʻO ka hoʻolimalima ʻana i kahi moraki ʻelua he pilikia a pono ʻoe e nānā pono i ke kūlana.
helu moraki lua
Ua piha ke ola i nā piʻi a me nā haʻahaʻa, a ʻaʻole ʻokoʻa kāu kālā. Ke loli kou kūlana a pono ʻoe e komo i ke kālā, ʻo ka moraki lua paha ke koho maikaʻi loa iā ʻoe. Hiki i kēia ʻano hōʻaiʻē ke kōkua iā ʻoe e lanakila i nā ʻano pilikia kālā āpau: ke kālā kālā i kahi ʻoihana hou, ka uku ʻana i ka ʻaiʻē, ke kūʻai ʻana i kahi waiwai hou a i ʻole ka hoʻoponopono ʻana i kahi mea kahiko.
ʻO ka moraki ʻelua he hōʻaiʻē liʻiliʻi ma mua o ka hōʻaiʻē home mua. No ka mea ua hoʻokumu ʻia lākou i ka waiwai o ka waiwai e kū nei, ʻoi aku ka maʻalahi o ka loaʻa ʻana inā ua kūkulu ʻoe i kahi kaulike i ka manawa. ʻAʻole like me nā moraki mua, he manawa pōkole lākou - ʻaʻole 25 a i ʻole 30 mau makahiki - ʻoiai ua hoʻohana ʻia lākou e hiki ai i kahi pahuhopu kālā kikoʻī a i ʻole ka loaʻa ʻana o kahi paʻakikī.
Hoʻopaʻa mau ʻia nā moraki ʻelua me kahi pahuhopu kikoʻī, ʻaʻole wale no ka pono o ka loaʻa kālā. ʻOiai ʻoi aku ka kiʻekiʻe o ka uku pānaʻi ma nā moraki ʻelua ma mua o nā hōʻaiʻē home maʻamau, ʻoi aku ka maikaʻi ma mua o nā kāleka hōʻaiʻē a i ʻole nā loina pilikino.
ʻO ka waiwai waiwai ka ʻokoʻa ma waena o ka waiwai o kēia manawa o kāu waiwai a me kāu ʻaiʻē ma kāu hōʻaiʻē moraki. Inā he $900.000 kāu waiwai a he $400.000 kāu i ka panakō, loaʻa iā ʻoe he $500.000 o ke kaulike. ʻO ka ʻoi aku ka nui o ke kālā, ʻoi aku ka liʻiliʻi o ka pilikia no ka poʻe hāʻawi kālā no ka mea ʻike lākou e hoʻihoʻi lākou i kā lākou kālā inā hewa nā mea.
Pehea e hana ai ka moraki lua?
Nui nā kumu e pono ai ʻoe e komo i kahi kālā nui. Malia paha e noʻonoʻo ana ʻoe e hoʻi i ke kula, a i ʻole pono ʻoe e hoʻohui i nā koena kāleka hōʻaiʻē kiʻekiʻe. A i ʻole makemake paha ʻoe e hana i kahi hoʻoponopono hale?
ʻOiai ʻaʻole ʻo Rocket Mortgage® i hoʻokumu i nā moraki ʻelua, e wehewehe mākou i kāu mea e pono ai e ʻike e pili ana i nā moraki ʻelua a me ke ʻano o ka hana ʻana. E alakaʻi pū mākou iā ʻoe i kekahi mau koho kālā, e like me kahi hōʻaiʻē pilikino a i ʻole ka hoʻihoʻi kālā ʻana, ʻo ia paha nā koho ʻoi aku ka maikaʻi no ʻoe.
I nā huaʻōlelo ʻē aʻe, aia i kāu mea hāʻawi ke kuleana e mālama i kou home inā ʻaʻole ʻoe i ka hōʻaiʻē. I ka wā e ʻaelike ʻia ai ka moraki ʻelua, ua hoʻokumu ʻia kahi kuleana ma ka ʻaoʻao o ka hale i uku ʻia.
ʻAʻole like me nā ʻano hōʻaiʻē ʻē aʻe, e like me ka hōʻaiʻē kaʻa a i ʻole nā haumāna, hiki iā ʻoe ke hoʻohana i ke kālā mai kāu moraki lua no nā mea āpau. Hāʻawi pū nā moraki ʻelua i nā uku pānaʻi haʻahaʻa ma mua o nā kāleka hōʻaiʻē. Hoʻololi kēia ʻokoʻa iā lākou i kahi koho maikaʻi no ka uku ʻana i ka aie kāleka hōʻaiʻē.
