Aʻoaʻo aʻoaʻo moraki
ʻO ka nui a i ʻole nā haʻawina āpau ma kēia pūnaewele mai nā hui i uku ʻia ai nā Insiders (no ka papa inoa piha, ʻike maanei). Hiki i nā manaʻo hoʻolaha ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kēia pūnaewele (me ka laʻana, ke ʻano o ka ʻike ʻia ʻana), akā ʻaʻole pili i nā hoʻoholo hoʻoponopono, e like me nā huahana a mākou e kākau ai a pehea mākou e loiloi ai. Ke noiʻi nei ʻo Personal Finance Insider i kahi ākea ākea i ka wā e hana ai i nā ʻōlelo paipai; akā naʻe, ʻaʻole mākou e hōʻoiaʻiʻo i kēlā ʻike e hōʻike ana i nā huahana āpau a i ʻole nā haʻawina i loaʻa ma ka mākeke.
Kākau ʻo Personal Finance Insider e pili ana i nā huahana, nā hoʻolālā, a me nā ʻōlelo aʻoaʻo e kōkua iā ʻoe e hana i nā hoʻoholo akamai me kāu kālā. Hiki iā mākou ke loaʻa i kahi komisina liʻiliʻi mai kā mākou mau hoa, e like me American Express, akā kūʻokoʻa mau kā mākou hōʻike a me kā mākou ʻōlelo paipai. Pili nā huaʻōlelo i nā hāʻawi i hōʻike ʻia ma kēia ʻaoʻao. E heluhelu i kā mākou alakaʻi hoʻoponopono.
ʻO ka hapa nui o ka manawa, ʻo ka mea nona ka hale i lawe i kahi hōʻaiʻē e kūʻai i hale e hana ana i ka uku baluna i kēlā me kēia mahina i kā lākou moraki. Akā ʻoiai ua kapa ʻia ʻo ia he uku moraki i kēlā me kēia mahina, ʻoi aku ia ma mua o ke kumukūʻai o ka uku ʻana i ka hōʻaiʻē a me ka ukupanee. No ka nui o nā miliona o nā mea hale ʻAmelika i loaʻa kahi moraki, ʻo ka uku o kēlā me kēia mahina e pili pū ana i ka ʻinikua moraki pilikino, ka ʻinikua o ka mea hale, a me nā ʻauhau waiwai. ʻO kēlā me kēia hihia, eia kāu mea e pono ai: E aʻo hou a loaʻa nā makana mai nā mea hāʻawi kālā he nui «1. E hoʻoholo i ke kumupaʻa o kāu moraki Ua kapa ʻia ka huina mua o ka hōʻaiʻē ʻo ke poʻo o ka moraki.
helu helu ʻApelila
He hiʻohiʻona e hiki i kēlā me kēia mea makemake hale ke ʻike. Hōʻike ʻoe i kahi hale hāmama, me ka manaʻo e lilo ia iā ʻoe. Nīnau maʻamau ka luna waiwai inā ua loaʻa iā ʻoe ke kālā a inā makemake ʻoe e kamaʻilio me kahi mea kūʻai moraki.
ʻO ka mea i haʻi ʻole ʻia iā ʻoe, hiki i ka ʻelele ke loaʻa i kahi kīpē mai ka mea hoʻolimalima no ka hoʻouna ʻana iā ʻoe i kāu ʻoihana. Hiki ke kuleana o ka ʻoihana e ka hui like nona ka ʻoihana waiwai. A hiki i ka broker ke hana ma ke keʻena like me ka luna.
ʻAʻole hou ka pilina kālā ma waena o nā mea kūʻai waiwai a me nā mea hoʻolimalima. Ua hoʻopaʻi mua ka Real Estate Institute i nā ʻelele no ka lawe ʻana i ke kīpē no nā mea kuhikuhi a ʻaʻole hoʻi e hōʻike iā lākou. Akā ke paʻa nei nā pili kālā i ka hoʻonui ʻana o nā ʻoihana waiwai i nā wahi ʻē aʻe o ka ʻoihana kūʻai a kūʻai aku i ka waiwai.
Ma waena o nā hui nui, ʻo Harcourts Real Estate ka mea nona ka nui o Mortgage Express. Hāʻawi nā ʻelele Harcourts i nā mea kūʻai aku i nā kākā'ōlelo Mortgage Express, e hana pinepine ana ma ke keʻena like me nā ʻelele.
He mea waiwai anei ka moraki?
ʻO nā moraki i hoʻopaʻa ʻia a me nā moraki hiki ke hoʻololi ʻia (ARM) nā ʻano nui ʻelua o nā moraki. ʻOiai ke hāʻawi nei ka mākeke i nā ʻano like ʻole i loko o kēia mau ʻāpana ʻelua, ʻo ka hana mua i ke kūʻai ʻana no ka moraki ʻo ka hoʻoholo ʻana i kahi o nā ʻano hōʻaiʻē nui ʻelua i kūpono i kāu pono.
Hoʻolimalima ka moraki paʻa i ka uku panee paʻa e mau ana no ke ola o ka hōʻaiʻē. ʻOiai ʻokoʻa ka nui o ke kumupaʻa a me ka ukupanee i kēlā me kēia mahina mai ka uku ʻana i ka uku, e mau ana ka huina o ka uku, e maʻalahi ka hoʻolilo kālā ʻana i nā mea hale.
E hōʻike ana ka papa helu amortization ma lalo nei i ke ʻano o ka loli ʻana o ke kumupaʻa a me ka ukupanee i ke ola o ka moraki. Ma keia la'ana, he 30 makahiki ka manawa o ka moraki, he $100.000 ke kumu nui, a he 6% ka uku panee.
ʻO ka pōmaikaʻi nui o ka hōʻaiʻē paʻa, ʻo ia ka pale ʻana i ka mea hōʻaiʻē mai ka piʻi ʻana o ka moraki i kēlā me kēia mahina inā piʻi ka uku paneʻe. He maʻalahi ka hoʻomaopopo ʻana i nā moraki uku paʻa a ʻokoʻa iki mai ka mea hāʻawi aku i ka mea hāʻawi. ʻO ka ʻaoʻao haʻahaʻa o nā moraki i hoʻopaʻa ʻia ʻo ia ke kiʻekiʻe o ka uku paneʻe, ʻoi aku ka paʻakikī o ka loaʻa ʻana o kahi hōʻaiʻē no ka mea ʻuʻuku nā uku. Hiki i ka helu moraki ke hōʻike iā ʻoe i ka hopena o nā uku like ʻole i kāu uku mahina.
moraki calculator formula
ʻAʻole maopopo i ka FHA a i ʻole nā loan home maʻamau? Ke noʻonoʻo nei inā he ʻokoʻa ma waena o ka prequalification a me ka preapproval? Inā ʻo kēia kou manawa mua e kūʻai ai i kahi home, hiki ke huikau nā huaʻōlelo. E kōkua kā mākou papa moraki iā ʻoe e hoʻomaopopo i nā huaʻōlelo moraki ʻenehana i hoʻohana ʻia ma kā mākou pūnaewele a me ka ʻoihana. No laila ke haʻi aku kāu mea hāʻawi iā PITI a me ka escrow, ʻaʻole ʻoe pilikia e hoʻomaopopo i ke ʻano o ia mea.
ʻO ka pauku hoʻokō moraki, i hoʻokomo pinepine ʻia i loko o kahi palapala moraki, e hāʻawi i kāu mea hāʻawi i ke kuleana e koi koke i ke koena koena piha (ke koena kumu a me ka ukupanee i hoʻonui ʻia) ma ka hōʻaiʻē inā hoʻokō ʻia kekahi mau kūlana. No ka laʻana, inā nele ka uku moraki, hiki i ka mea hāʻawi kālā ke hoʻolōʻihi i ka hōʻaiʻē a koi i ka uku.
ʻO ka ukupanee i loaʻa ka ukupanee i loaʻa ma kahi hōʻaiʻē akā ʻaʻole i uku ʻia i ka mea hāʻawi. Hoʻonui ʻia ka ukupanee moraki i kēlā me kēia lā a i kēlā me kēia pule, ma muli o ke ʻano o ka hōʻaiʻē, a ua hoʻokumu ʻia ma ke koena kumu a me ka uku panee o ka moraki.
