moraki me ka pmi ole
He moʻolelo ia e pono ai ʻoe e hāʻawi i 20% o ke kumukūʻai kūʻai o kahi home e loaʻa ai kahi moraki. Hāʻawi nā mea hōʻaiʻē i nā papahana hōʻaiʻē me nā koi haʻahaʻa haʻahaʻa e kūpono i nā ʻano kālā kūʻai a me nā pono. Eia naʻe, inā koho ʻoe i kēia ala, pono ʻoe e uku no ka ʻinikua moraki pilikino (PMI). Hiki i kēia lilo hou ke hoʻonui i ke kumukūʻai o ka uku moraki i kēlā me kēia mahina a ʻoi aku ka nui o ke kumukūʻai o ka hōʻaiʻē. Eia naʻe, ʻaneʻane hiki ʻole ke ʻalo ʻia inā ʻaʻole ʻoe e uku i lalo o 20% a ʻoi aku paha i mālama ʻia.
ʻO ka PMI kahi ʻano o ka ʻinikua moraki e koi pinepine ʻia ka poʻe kūʻai aku e uku ma kahi hōʻaiʻē maʻamau i ka wā e uku ai lākou ma lalo o 20% o ke kumukūʻai kūʻai o ka home. He nui nā mea hāʻawi kālā e hāʻawi i nā papahana uku haʻahaʻa, e ʻae i ka liʻiliʻi e like me ka 3% uku. ʻO ke kumukūʻai o ia maʻalahi ʻo ia ka PMI, ka mea e pale ai i ka hoʻopukapuka kālā o ka mea hāʻawi i ka wā i hoʻopaʻa ʻole ʻoe i kāu moraki, i ʻike ʻia he paʻamau. I nā huaʻōlelo ʻē aʻe, hoʻopiʻi ka PMI i ka mea hāʻawi, ʻaʻole ʻoe.
Kōkua ʻo PMI i ka poʻe hāʻawi kālā e hoʻihoʻi hou i ke kālā inā he paʻamau. ʻO ke kumu e koi ai ka poʻe hāʻawi kālā i ka uhi no nā uku haʻahaʻa ma lalo o 20% o ke kumukūʻai kūʻai no ka mea he kuleana liʻiliʻi kāu i kou home. Hāʻawi ka poʻe hāʻawi kālā iā ʻoe i ke kālā hou aʻe a no laila ke kū nei ʻoe e lilo hou inā ʻaʻole ʻoe e uku i nā makahiki mua o ka noho ʻana. ʻO nā hōʻaiʻē i hoʻopaʻa ʻia e ka Federal Housing Administration, a i ʻole nā hōʻaiʻē FHA, koi pū kekahi i ka ʻinikua moraki, akā ʻokoʻa nā alakaʻi ma mua o nā hōʻaiʻē maʻamau (ʻoi aku ma hope).
Lakiō hōʻaiʻē i ka waiwai
Akā i kēia manawa ke uku nei ʻoe i nā kumukūʻai ʻinikua moraki kiʻekiʻe i kēlā me kēia mahina a me kēlā me kēia makahiki, ʻaʻole paha ʻoe i maopopo. ʻO ka ʻoiaʻiʻo, hiki i kekahi me kahi hōʻaiʻē FHA $250.000 ke manaʻo e uku ma kahi o $30.000 i nā uku hoʻokele moraki i ke ola o ka hōʻaiʻē.
Inā kūʻai ʻoe i home me kahi hōʻaiʻē FHA i kekahi mau makahiki i hala, hiki paha iā ʻoe ke kāpae i kāu FHA PMI i kēia lā. He nani kēia koho no ka mea ʻaʻole ia e koi iā ʻoe e kiʻi i kahi moraki hou. Inā ʻo 78% kāu koena hōʻaiʻē o ke kumu kūʻai kumu kūʻai, a ke uku nei ʻoe i ka FHA PMI no 5 mau makahiki, koi ʻia kāu mea hāʻawi a lawelawe paha e ke kānāwai e kāpae i kāu ʻinikua moraki i kēia lā.
ʻOiai ʻo kahi koena haʻahaʻa haʻahaʻa he ala ʻoiaʻiʻo e hoʻopau ai i ka ʻinikua moraki FHA, hiki i kahi manawa ke hele i kēlā manawa. Ma kahi hōʻaiʻē FHA paʻa 30-makahiki, he ʻumi paha mau makahiki e uku ai i kāu hōʻaiʻē a hiki i ka 78% o ke kumu kūʻai kūʻai mua. Inā ʻaʻole ʻoe i hiki i kēlā manawa, e hoʻomau i ka hana ʻana i nā uku no kekahi mau makahiki hou a i ʻole e hana i kahi uku kumu hoʻokahi manawa.
Hiki ke hoʻopau ʻia ka ʻinikua moraki FHA ma ka hoʻihoʻi kālā ʻana i kahi hōʻaiʻē maʻamau. ʻO ka hoʻihoʻi hou ʻana i kahi moraki maʻamau ʻo ia ke ala wikiwiki loa a ʻoi aku ka maikaʻi o ke kumu kūʻai e hele ai, ʻoiai inā ua hāʻule nā kumukūʻai moraki mai ka hōʻaiʻē kumu. A ʻo ia wale nō paha ke ala e hana ai inā wehe ʻoe i kāu hōʻaiʻē FHA ma a ma hope paha o Iune 3, 2013, i ka wā i lilo ai kāu ʻinikua moraki FHA i hiki ʻole ke hoʻopau ʻia.
Koi Home Equity Loan
He mea koʻikoʻi ka ʻinikua moraki i ka ʻoihana moraki mai ka hopena o nā makahiki 80. ʻO ka ʻinikua moraki pilikino, a i ʻole PMI, he kulekele ʻinikua e like me nā mea ʻē aʻe. Pono ka ʻinikua moraki ma nā hōʻaiʻē maʻamau inā ʻoi aku ka moraki mua ma mua o 20% o ka waiwai o ka home. Inā hāʻawi nā mea hōʻaiʻē i 20 pakeneka a ʻoi aku paha, ʻaʻole pono ka ʻinikua moraki. Inā komo ka hōʻaiʻē i loko o ka paʻa ʻana, e uku ʻia ka mea nāna e hāʻawi aku no ka ʻokoʻa ma waena o ka uku mua o ka mea hōʻaiʻē a me XNUMX pakeneka o ka waiwai o ka home. E ʻokoʻa kēia nui ma muli o nā kumu ʻē aʻe, akā ma ka ʻōlelo maʻamau, ʻo ia ke ʻano o ka hana ʻinikua moraki.
Eia nō naʻe, a hiki i ka hoʻoholo ʻia ʻana o ke Kānāwai Hoʻomalu ʻo Homeowners o 1998, ʻo ka ʻinikua moraki kahi pilikia o ke ola. Inā ʻaʻole i hoʻihoʻi ʻia ka moraki ma o ke kūʻai ʻana a i ʻole ke kālā hou ʻana, e lilo mau ke kulekele ʻinikua moraki i ʻāpana o ka moraki, me ka nānā ʻole i ke kumu kūʻai o ka mākeke o kēia manawa. Ua hāʻawi kēia kānāwai i nā ala no ka poʻe kūʻai aku e hoʻopau i ka ʻinikua moraki, ma o ke noi pololei ʻana a i ʻole ka amortization maoli, no nā hōʻaiʻē āpau i hoʻopuka ʻia ma ka lā 29 o Iulai, 1999.
Pmi Elimination Calculator
He kumukūʻai nui ka PMI no nā mea hale, pinepine ma waena o $ 100 a me $ 300 i ka mahina. ʻO ka mea pōmaikaʻi, ʻaʻole ʻoe paʻa me ka PMI mau loa. Ke kūkulu ʻoe i kahi kaulike ma kou home, nui nā ala e hoʻopau ai i ka PMI a hoʻohaʻahaʻa i kāu uku mahina.
"Hiki iā ʻoe ke hana me kahi loiloi hou, akā ʻaʻole ʻae nā mea hāʻawi kālā āpau. ʻO ka mea maʻamau, pono ia e hoʻokumu i nā huaʻōlelo kumu o ka hōʻaiʻē a me ka waiwai o ka home i ka manawa i loaʻa ai ka hōʻaiʻē. A i ʻole, pono ʻoe e hoʻihoʻi kālā no ka waiwai hou e helu ʻia ai, "wahi a Jon Meyer, ka loea hāʻawi kālā ma The Mortgage Reports a me MLO laikini.
Loaʻa i nā mea hale me nā hōʻaiʻē maʻamau ke ala maʻalahi loa e hoʻopau i ka PMI. E hoʻopau koke ʻia kēia ʻinikua moraki i ka wā e hiki ai ka hōʻaiʻē i ka 78% loan-to-value ratio (ʻo ia hoʻi he 22% equity ma ka home).
Ke noi nei no ka wehe ʻana i ka PMI, hiki ke helu ʻia ka ratio loan-to-value ma muli o ke kumu kūʻai kumu kūʻai mua o kou home a i ʻole ma muli o ka loiloi kumu o kou home (ʻoi aku ka haʻahaʻa). A i ʻole, inā ua piʻi ka waiwai o kou home, hiki iā ʻoe ke noi i kahi loiloi hou a wehe i ka PMI e pili ana i ka waiwai o kou home i kēia manawa.
