I ka manawa hea ʻoe e hoʻomaka ai e uku ʻoi aku ka nui ma mua o ka uku?
Hoʻopili nā lula o Central Bank of Ireland i nā palena i ka nui o nā mea hāʻawi kālā ma ka mākeke Irish e hāʻawi ai i nā mea noi moraki. Pili kēia mau palena i nā ratio loan-to-income (LTI) a me nā ratio loan-to-value (LTV) no nā hale noho mua a me ka waiwai paʻa i manaʻo ʻia no ka hoʻolimalima ʻana, a ua hoʻohui ʻia i nā kulekele hōʻaiʻē a me nā ʻōlelo a nā mea hāʻawi. No ka laʻana, hiki i ka mea hāʻawi kālā ke kaupalena i ka pākēneka o kāu uku lawe home āu e hoʻohana ai e uku i kāu moraki.
ʻO ka palena o 3,5 manawa e pili ana kāu loaʻa kālā makahiki i nā noi no ka moraki ma kahi home kumu. E pili pū ana kēia palena i nā poʻe me ka waiwai ʻupena maikaʻi ʻole e noi ana i moraki no kahi home hou, akā ʻaʻole ka poʻe i noi i kahi hōʻaiʻē e kūʻai i hale hoʻolimalima.
Loaʻa ka manaʻo o nā mea hōʻaiʻē i ka wā e pili ana i nā noi moraki. No nā mea kūʻai mua, ʻoi aku ka 20% o ka waiwai o nā moraki i ʻae ʻia e ka mea hāʻawi kālā ma luna o kēia palena, a no ka poʻe kūʻai ʻelua a ma hope aku, ʻoi aku ka 10% o ka waiwai o ia mau moraki ma lalo o kēia palena.
I ka manawa hea ʻoe e hoʻomaka ai e uku ʻoi aku ka nui ma mua o ka ukupanee ma kahi hōʻaiʻē kaʻa?
Hiki ke loaʻa nā ʻano moraki, akā no ka hapa nui o ka poʻe kūʻai hale, ma ka hana, hoʻokahi wale nō. ʻO ka moraki hoʻopaʻa paʻa 30-makahiki he mea maʻamau ia he archetype ʻAmelika, ka apple pie o nā mea hana kālā. ʻO ia ke ala a nā hanauna o ʻAmelika i lawe ai i ko lākou home mua
ʻO ka moraki he mea ʻē aʻe ma mua o ke ʻano o ka hōʻaiʻē manawa, i hōʻoia ʻia e ka waiwai paʻa. Ma kahi hōʻaiʻē kau, uku ka mea ʻaiʻē i ka ukupanee i helu ʻia i kēlā me kēia makahiki me ke koena o ka hōʻaiʻē. Ua paʻa ka uku panee a me ka uku mahina.
E like me ka hoʻopaʻa ʻia ʻana o ka ʻāpana mahina, ʻo ka ʻāpana i manaʻo ʻia e uku i ka ukupanee a me ka ʻāpana i uku ʻia e uku i ke kumupaʻa e hoʻololi i ka manawa. I ka wā mua, no ka mea he kiʻekiʻe loa ke koena o ka hōʻaiʻē, ʻo ka hapa nui o ka uku he uku. Akā i ka liʻiliʻi ʻana o ke koena, e iho ana ka ʻāpana ukupanee o ka uku a piʻi ka hapa nui
ʻO kahi hōʻaiʻē wā pōkole e lawe i ka uku o kēlā me kēia mahina, ʻoi aku ka liʻiliʻi o ka moraki 15 makahiki. Akā ʻo ka manawa pōkole e ʻoi aku ka liʻiliʻi o ka hōʻaiʻē ma kekahi mau ʻaoʻao. ʻO kaʻoiaʻiʻo, ma ke ola o ka hōʻaiʻē, e hoʻopau ʻia kahi moraki 30 makahiki ma mua o ʻelua mau makahiki ma mua o ke koho 15 makahiki.
Helu helu kuhi moraki
Hiki i ka amortization pōkole ke mālama iā ʻoe i ke kālā no ka mea ʻoi aku ka liʻiliʻi o ka ukupanee ma ke ola o kāu moraki. ʻOi aku ka nui o nā uku moraki maʻamau, ʻoiai ke uku nei ʻoe i ke koena i ka manawa liʻiliʻi. Eia nō naʻe, hiki iā ʻoe ke kūkulu i ke kaulike ma kou home me ka wikiwiki a lilo i ka moraki manuahi koke.
E nānā i ka pakuhi ma lalo. Hōʻike i ka hopena o nā manawa amortization ʻokoʻa ʻelua i ka uku moraki a me nā kumu uku ukupanee. Piʻi nui ka huina o ka uku panee inā ʻoi aku ka manawa amortization ma mua o 25 mau makahiki.
ʻAʻole pono ʻoe e pili i ka manawa amortization āu i koho ai i kou noi ʻana no kāu moraki. Maikaʻi ke kālā e loiloi hou i kāu amortization i kēlā me kēia manawa ke hoʻololi ʻoe i kāu moraki.
He aha ka pākēneka o kahi moraki 30 makahiki i uku ʻia i loko o 10 mau makahiki?
ʻO ke kūʻai ʻana i hale me ka moraki ka hana kālā nui loa a ka hapa nui o mākou e hana ai. ʻO ka maʻamau, ʻo ka panakō a mea ʻaiʻē moraki paha e hoʻolilo kālā i 80% o ke kumu kūʻai o ka home, a ʻae ʻoe e uku hou - me ka ukupanee - ma kahi manawa i hoʻonohonoho ʻia. I ka hoʻohālikelike ʻana i nā mea hāʻawi kālā, nā uku moraki, a me nā koho hōʻaiʻē, pono e hoʻomaopopo i ke ʻano o ka hana ʻana o nā moraki a me ke ʻano o ke ʻano kūpono loa iā ʻoe.
I ka nui o nā moraki, e uku ʻia kekahi hapa o ka huina i hōʻaiʻē ʻia (ke kumu) a me ka ukupanee i kēlā me kēia mahina. E hoʻohana ka mea hāʻawi i kahi ʻano amortization e hana i kahi papa hana uku e wāwahi i kēlā me kēia uku i ke kumupaʻa a me ka ukupanee.
Inā hana ʻoe i nā uku e like me ka hoʻolālā uku hōʻaiʻē, e uku piha ʻia ia ma ka hopena o ka manawa i hoʻokumu ʻia, no ka laʻana 30 makahiki. Inā he uku paʻa ka moraki, e like ana kēlā me kēia uku kālā. Inā hoʻololi ka moraki, e hoʻololi ka uku i kēlā me kēia manawa e like me ka loli o ka uku paneʻe ma ka hōʻaiʻē.
ʻO ka manawa, a i ʻole ka lōʻihi, o kāu hōʻaiʻē e hoʻoholo i ka nui āu e uku ai i kēlā me kēia mahina. ʻO ka lōʻihi o ka manawa, ʻoi aku ka haʻahaʻa o nā uku mahina. ʻO ke kūʻai aku ʻo ia ka lōʻihi o ka uku ʻana i ka moraki, ʻoi aku ka kiʻekiʻe o ke kumukūʻai o ke kūʻai ʻana i ka home no ka mea e uku ʻia ka ukupanee no ka lōʻihi.
