No ke aha e hoʻohana ai i kahi moraki ma kahi o kahi panakō?
ʻO ke koho ʻana i ka hōʻaiʻē home kūpono a me ka uku wikiwiki ʻana e hiki ke mālama iā mākou i nā kaukani kālā a hoʻokuʻu iā mākou e hoʻokō wikiwiki i nā pahuhopu ʻē aʻe. ʻO ka hale ka mea kūʻai nui loa o ko mākou ola, a ʻo ka moraki (i kapa ʻia ʻo ka hōʻaiʻē home) ʻo ia kā mākou ʻoihana kālā nui loa.
No nā hōʻaiʻē a pau, e nīnau e pili ana i nā uku noi a me nā uku ʻē aʻe, e like me ka uku pānaʻi liʻiliʻi.
(No nā hōʻaiʻē paʻa, e nīnau i nā uku e pili ana inā e hoʻonui ʻoe i kāu hoʻokaʻawale ʻana, e uku pū ʻia, a i ʻole e uku mua i ka hōʻaiʻē holoʻokoʻa. koi ʻia e hōʻike i nā uku a me ka ukupanee ʻokoʻa.) E noi pū i ka uku piha maʻamau i ka makahiki inā ʻoi aku ka nui o ka uku paneʻe ma mua o kēia manawa.
No nā hōʻaiʻē a pau, e nīnau inā hiki ke hoʻonui i nā uku maʻamau i kēlā me kēia manawa, e uku i ka huina kālā, a e uku piha i ka moraki ma mua o ka pau ʻana o kāu kau. Hoʻololi maʻamau nā hōʻaiʻē paʻa i ka uku hoʻololi i ka hopena o ke kau - e nīnau e pili ana i ka lawe ʻana i kahi uku paʻa ʻē aʻe me ka uku ʻole.
Pehea ka hoʻopunipuni ʻana o nā moraki iā ʻoe
Pono au e noi i ka ʻōlelo aʻoaʻo e kiʻi i kahi moraki? Pehea e loaʻa ai iaʻu kahi kākāʻōlelo moraki? He aha nā ʻano ʻōlelo aʻoaʻo ma laila? He aha kaʻu e nīnau ai i ke kākāʻōlelo moraki? Ma hea e loaʻa ai iaʻu nā ʻōlelo aʻoaʻo moraki manuahi?
Hiki iā ʻoe ke kūʻai a puni no ka nui o nā kuʻikahi moraki ma kāu iho, akā ʻaʻole paha ʻoe e loaʻa i ka makana maikaʻi loa no ʻoe. He ʻoiaʻiʻo kēia inā loaʻa iā ʻoe kahi kālā paʻakikī e wehewehe, e like me ka hoʻolimalima ʻana iā ʻoe iho, a inā ʻo kēia kāu kūʻai mua ʻana.
Eia kekahi, hiki ke loli koke nā mea i ka mākeke moraki. E ʻike ke kākāʻōlelo i nā mea e hana nei i hiki iā ʻoe ke loaʻa kahi moraki kūpono a ʻoi aku ka maikaʻi. E heluhelu i kā mākou ʻatikala: ʻEhiku mau ʻōlelo aʻoaʻo e kōkua iā ʻoe e loaʻa kahi moraki.
Ua ʻimi ka poʻe i kahi moraki ma kahi kokoke i ko lākou home no ka mea pono lākou e hoʻopiha pono i ka pepa. I kēia manawa hiki ke hana i nā mea āpau ma ka pūnaewele, ʻaʻole i kaupalena ʻia nā mea hale i nā ʻōlelo aʻoaʻo ma kahi a lākou e noho ai.
E noiʻi pono i nā huahana moraki a hoʻohālikelike i nā ʻōlelo aʻoaʻo like ʻole. E nānā pono i nā komisina (inā lākou e uku iā lākou), pono e hōʻike pono ʻia ma kā lākou pūnaewele. Inā ʻaʻole pololei lākou i kā lākou uku, e pale aku iā lākou.
Loaʻa paha ʻoe i kahi moraki me kahi broker?
ʻO ka loaʻa ʻana a me ka hoʻoponopono ʻana i kahi moraki ma ke ʻano he mea kūʻai mua e like me ke kaʻina hana paʻakikī. ʻAʻole wale ʻoe e hana i nā hoʻoholo nui e pili ana i kahi a pehea ʻoe e makemake ai e noho, akā pono ʻoe e hoʻomaʻamaʻa iā ʻoe iho me ka mākeke hōʻaiʻē a me nā kaʻina hana he nui e hoʻolilo i kāu waiwai.
No ka mea he mea nui ka moraki, ʻo ke kau inoa ʻana i ka hāʻawi hewa e hiki ke hōʻeha i ka pōʻino no kāu kālā e hiki mai ana. ʻO ia ke kumu he mea nui ka loaʻa ʻana o ka ʻōlelo aʻoaʻo a ka mea hana moraki akamai i ka wā e hoʻomaka ai ʻoe e ʻimi i ka waiwai kūpono.
ʻAʻole hiki i ke kākāʻōlelo maikaʻi ke hāʻawi iā ʻoe i nā makana hoʻokūkū mai nā mea hoʻolako kūikawā o nā moraki no nā mea kūʻai hale mua, akā hiki iā ia ke kōkua iā ʻoe e kaupaona i kāu mau koho, koho i kahi ʻaelike e pōmaikaʻi ai ʻoe i ka holo lōʻihi a, ʻoiaʻiʻo. , Hoʻolālā i nā kumukūʻai like ʻole e pili ana i ke kūʻai ʻana i hale.
Ma CLS Money, ua kūpaʻa mākou i ka hāʻawi ʻana i kahi lawelawe piha maoli i kā mākou mea kūʻai mua. ʻAʻole mākou e loaʻa iā ʻoe kahi hāʻawi a hoʻouna wale iā ʻoe ma ke ala; E hana pū mākou me ʻoe mai kāu nīnau mua a hiki i ka hoʻopau ʻana, e wehewehe ana i kēlā me kēia pae o ke kaʻina hana i ko mākou hele ʻana a hōʻano hou iā ʻoe i ke kūlana o kāu noi e like me ka hiki.
Mea kūʻai moraki kokoke iaʻu
https://www.fsrao.ca/consumers/mortgage-brokering/working-mortgage-professional para actualizar sus favoritos. La obtención de una hipoteca suele ser el mayor compromiso financiero que se adquiere. Debido a la cantidad de dinero que se pide prestado y al tiempo que se tarda en devolverlo, la obtención de una hipoteca conlleva ciertos riesgos. Es importante saber cuáles son estos riesgos y estar preparado financieramente para ellos.
Hoʻi i luna Ua hoʻolālā mua paha ʻoe? Ke kū nei ʻoe i ka pilikia kālā, hiki i ka uku ʻana i ka moraki ke hoʻoluhi-a hiki ʻole paha-inā ʻaʻole ʻoe e hoʻolālā i mua. Ma mua o kou kūʻai ʻana i kahi moraki, pono ʻoe e ʻike i nā kumu waiwai ʻē aʻe o ka loaʻa kālā a me nā koho kālā e loaʻa iā ʻoe, a e hana i kahi hoʻolālā e uku ai i nā manawa paʻakikī.
Hana i kahi hoʻolālā e pili ana i nā uku: He moʻolelo hōʻaiʻē maikaʻi kāu? ʻO kāu moʻolelo hōʻaiʻē e hoʻoholo i kou pono aie a me kou hiki ke loaʻa i kahi moraki. E noi aku nā mea hāʻawi iā ʻoe e nānā i kāu mōʻaukala aie e hoʻoholo inā makemake lākou e hāʻawi iā ʻoe i kahi moraki. Akā e makaʻala ʻaʻole e ʻae i nā loiloi hōʻaiʻē he nui no ka manawa lōʻihi - hiki ke loaʻa ka hopena maikaʻi ʻole i kāu helu ʻaiʻē, no ka mea he hōʻailona ia ua noi ikaika ʻoe no ka hōʻaiʻē hou.