Pehea e loaʻa ai ka maikaʻi o ka moraki uku hoʻolimalima kālā
ʻO ke kūʻai ʻana i home me kahi moraki ka mea nui o ka hoʻopukapuka pilikino koʻikoʻi i hana ʻia e ka hapa nui o nā kānaka. ʻEhia ka nui āu e hiki ai ke hōʻaiʻē ma muli o nā kumu he nui, ʻaʻole wale ka nui o ka panakō makemake e hāʻawi iā ʻoe. Pono ʻoe e loiloi ʻaʻole i kāu kālā wale nō, akā i kāu mau makemake a me nā mea nui.
Ma keʻano laulā, hiki i ka hapa nui o nā mea hale ke hoʻolimalima i kahi home me kahi moraki ma waena o ʻelua a ʻelua a me ka hapa manawa i kā lākou loaʻa kālā makahiki. Wahi a kēia kumu, hiki i ke kanaka loaʻa $100.000 i ka makahiki ke loaʻa i kahi moraki ma waena o $200.000 a me $250.000. Eia naʻe, ʻo kēia helu ʻana he alakaʻi maʻamau wale nō.
ʻO ka hope loa, i ka wā e hoʻoholo ai i kahi waiwai, pono e noʻonoʻo ʻia nā kumu hou aʻe. ʻO ka mea mua, kōkua ia e ʻike i ka manaʻo o ka mea hāʻawi kālā hiki iā ʻoe ke loaʻa (a pehea lākou i hiki ai i kēlā kuhi). ʻO ka lua, pono ʻoe e noʻonoʻo pono iā ʻoe iho a ʻike i ke ʻano o ka hale āu e makemake ai e noho inā e hoʻolālā ʻoe e hana pēlā no ka manawa lōʻihi a me nā ʻano ʻai ʻē aʻe āu e makemake ai e haʻalele - a ʻaʻole paha - e noho ai. kou home.
Pehea e loaʻa ai ka uku moraki haʻahaʻa reddit
No ka laʻana, inā koho ʻoe i kahi manawa hōʻaiʻē pōkole, e ʻoi aku ka kiʻekiʻe o kāu mau uku, akā e uku ʻoe i ka uku uku liʻiliʻi i ke ola o ka hōʻaiʻē. A ʻoiaʻiʻo, inā ʻoi aku ka nui o ka uku paneʻe, e ʻoi aku ka nui o kāu uku mahina a pēlā pū kāu huina.
Ma muli o nā mea e like me ka helu ʻaiʻē, ka mōʻaukala hana, a me ka ratio aie-a-income, hiki i ka mea hāʻawi ke hāʻawi iā ʻoe i kahi moraki uku nui, kahi moraki subprime, a i ʻole kekahi mea ma waena, i kapa ʻia he moraki "Alt-A". Ma lalo mākou e wehewehe i kēlā me kēia o lākou:
Pono nā mea noi moraki i makemake ʻia e uku i lalo - maʻamau 10% a 20% - ʻoiai ʻo ka manaʻo inā loaʻa iā ʻoe kahi mea e pili ana ʻaʻole paha ʻoe e paʻa. No ka mea ʻoi aku ka liʻiliʻi o ka poʻe hōʻaiʻē me nā helu ʻaiʻē maikaʻi aʻe a me nā lakene ʻaiʻē, hāʻawi ʻia lākou i nā kumukūʻai haʻahaʻa haʻahaʻa, hiki ke mālama i nā ʻumi kaukani kālā i ke ola o ka hōʻaiʻē.
Kūlike nā moraki mua i nā kūlana maikaʻi i hoʻonohonoho ʻia e Fannie Mae (ka Federal National Mortgage Association) a me Freddie Mac (ka Federal Home Loan Corporation). ʻO kēia nā hui ʻelua i kākoʻo ʻia e ke aupuni e hāʻawi i kahi mākeke lua no nā moraki home ma ke kūʻai ʻana i nā hōʻaiʻē mai nā mea hāʻawi kālā.
Pehea e ʻike ai i ka mea hōʻaiʻē moraki maikaʻi loa
Inā kūʻai ʻoe a hoʻihoʻi kālā paha i kahi home, makemake ʻoe e kiʻi i ka uku moraki haʻahaʻa loa. Ma hope o nā mea a pau, hiki ke hoʻopaʻapaʻa ʻia ʻo nā moraki he huahana kumu: ʻaʻole ʻoe e loaʻa nā pōmaikaʻi kūikawā no ka uku ʻana i kēlā me kēia mahina.
Akā, pehea ka lōʻihi o kāu e hele ai e kiʻi i kahi pānaʻi moraki "maikaʻi"? Aia kekahi mea hiki iaʻu ke hana e hōʻoia e loaʻa iaʻu ka uku moraki maikaʻi loa? Hiki ke kōkua ka nānā ʻana i nā mea e hoʻohuli ai i ka uku panee.
Mai kahi hiʻohiʻona kālā, ʻo kekahi o nā mea nui e ʻike inā loaʻa iā ʻoe kahi moraki paʻa a i ʻole adjustable-rate moraki (ARM). E ʻike kākou i ke ʻano o kēia.
Me ka moraki paʻa, ʻo ka nui o ka uku hoʻokaʻina o kēlā me kēia mahina e pili ana i ke kumupaʻa a me ka ukupanee ʻo ia ka mea maʻamau i ke ola o ka hōʻaiʻē. ʻOiai ʻoi aku ka nui o ka uku no ke kumu ma mua o ka uku paneʻe, ʻaʻole e loli ka nui maoli o ka uku.
He ʻokoʻa iki ka hana a nā ARM. Hoʻomaka maʻamau lākou me ka uku uku haʻahaʻa. Ua paʻa kēia uku panee mua i nā makahiki mua o ka hōʻaiʻē, maʻamau he 5, 7 a i ʻole 10 mau makahiki. Ma hope, e hoʻoponopono ʻia ka uku i kēlā me kēia manawa i luna a i lalo paha ma muli o ka mākeke.
ʻO nā mea hoʻolimalima moraki maikaʻi loa
I ka manawa o kēia kākau ʻana, i Mei 2022, ʻo 30% ka awelika o 5,25 mau makahiki paʻa, e like me ka noiʻi ʻana o Freddie Mac i kēlā me kēia pule. Pono ʻoe e laki (a me kahi mea hōʻaiʻē ikaika loa) e ʻike i kahi uku paʻa ma 30 makahiki i ka 4 haʻahaʻa i kēia manawa.
Ua haʻahaʻa nā uku moraki maʻamau no nā makahiki ʻelua i hala. Ua ʻae kēia ʻano i nā mea hōʻaiʻē kūpono loa e komo i nā kumukūʻai haʻahaʻa. Akā ua piʻi nā kumukūʻai ma 2022 a me he mea lā hiki iā lākou ke hōʻea i ka 6% ma ka hopena o ka makahiki.
He aha ka uku pānaʻi moraki maikaʻi? He nīnau paʻakikī. No ka mea, ʻo ka nui o nā uku hoʻolaha i loaʻa wale i nā mea hōʻaiʻē "makemake": ʻo ka poʻe me ka helu ʻaiʻē kiʻekiʻe, ka ʻaiʻē liʻiliʻi, a me ke kālā paʻa loa. ʻAʻole nā kānaka a pau e komo i kēlā ʻano.
I ka lā i kākau ʻia ai (Mei 20, 2022), ʻo ka awelika o Freddie Mac i kēlā me kēia pule no kahi moraki paʻa 30 makahiki he 5,25%. Akā, ʻo ka helu o kēlā me kēia lā o The Mortgage Reports rate survey he 5,484% (5,51% APR). No laila ua maopopo aia kekahi ʻano like ʻole ma ka mākeke.
ʻO kekahi me ka haʻahaʻa loa o kēlā mau APR (4,754%) e uku ma kahi o $263.640 i ka ukupanee no ke ola o ka hōʻaiʻē e like me FICO. Akā ʻo ka mea me ka helu ma ka laulā 620-639 e uku ma kahi o $371.520 i ka huina o ka uku paneʻe no ke kumu kūʻai home hoʻokahi. No laila i ka wā lōʻihi, ʻo ka mea i ʻike ʻia e like me kahi ʻokoʻa liʻiliʻi liʻiliʻi hiki ke hoʻohui i kahi mālama kālā nui.
