Moraki o 4 manawa o ka uku
Pehea e helu ai ka poʻe hāʻawi kālā i ka nui o kaʻu hiki ke loaʻa? ʻEhia mau manawa e hiki ai iaʻu ke hōʻaiʻē no ka moraki? Pili ka nui o kaʻu waihona? Hiki iaʻu ke noi i kālā hou aʻe i loko o kahi moraki hui? Hoʻopilikia anei ka hōʻaiʻē maikaʻi ʻole i ka nui e hiki iaʻu ke hōʻaiʻē? He aha ka moraki e hiki ia'u ke loaa? Pono au e hoʻonui i kaʻu moraki?
No ka helu ʻana i ka nui a lākou e hāʻawi ai iā ʻoe, e hoʻokō nā panakō i kahi loiloi affordability. Hoʻopili kēia i ka nānā ʻana i kāu loaʻa a me nā lilo; ʻo ka nui o ke kālā āu e hoʻolilo ai i kēlā me kēia mahina, ʻo ka liʻiliʻi hiki iā ʻoe ke hōʻaiʻē.
E hoʻohana i kā mākou mea hana manuahi e helu ai i ka nui o kāu moraki i kēlā me kēia mahina. Hoʻolālā ʻia ka hāmeʻa no ka lehulehu o nā mea hōʻaiʻē, inā makemake ʻoe e remortgage, he mea kūʻai home mua, a makemake paha i kahi moraki e kūʻai i hale.
Hiki i nā mea hāʻawi kālā ʻē aʻe ke makemake e hoʻonui i ke kālā me kēia nui o ka uku i ka poʻe me ka loaʻa kālā kiʻekiʻe. ʻO Barclays, no ka laʻana, e hōʻaiʻē i ka loaʻa kālā he 5,5 (Ua wehe wau i ka loulou no ka mea ʻaʻole ia e alakaʻi i kahi ʻaoʻao ʻike, akā ua nānā au i nā helu) i nā mea noi me ka uku o ka liʻiliʻi o £75.000 i ka makahiki. .
ʻEhia manawa o ka loaʻa kālā no ka moraki
Inā ʻo kēia kou manawa mua e kūʻai ai i hale, pilikia paha ʻoe i ka hoʻoholo ʻana i ka nui āu e hiki ai ke loaʻa. ʻO kekahi o nā pilikia nui o ka poʻe kūʻai hale i ka manawa mua e noʻonoʻo ana i ka pākēneka o ka loaʻa kālā e hele i ka uku moraki i kēlā me kēia mahina. Ua lohe paha ʻoe e hoʻolilo ʻoe ma kahi o 28% o kāu loaʻa kālā nui o kēlā me kēia mahina ma kāu moraki, akā pono anei kēia pākēneka no kēlā me kēia? E nānā pono kākou i ka pākēneka o kāu loaʻa kālā e hele ai i ka moraki.
ʻOkoʻa ke kūlana o kēlā me kēia mea hale, no laila ʻaʻohe kānāwai paʻakikī a wikiwiki hoʻi e pili ana i ka nui o ke kālā āu e hoʻolilo ai i kāu moraki i kēlā me kēia mahina. Eia nō naʻe, he mau ʻōlelo naʻauao ka poʻe akamai e hōʻoia ʻaʻole ʻoe e hoʻopau i ka hoʻolōʻihi ʻana i kāu kālā hale.
ʻO ka lula 28% i kuhikuhi pinepine ʻia ʻaʻole pono ʻoe e hoʻolilo ma mua o kēlā pākēneka o kāu loaʻa kālā nui o kēlā me kēia mahina ma kāu uku moraki, me ka ʻauhau waiwai a me ka ʻinikua. Kapa pinepine ʻia ʻo ia he lākiō moraki-a-loaʻa palekana, a i ʻole he alakaʻi nui maikaʻi no ka uku moraki. ʻO ka loaʻa kālā nui kāu loaʻa kālā o ka home ma mua o ka lawe ʻia ʻana o ka ʻauhau, ka uku ʻaiʻē, a me nā lilo ʻē aʻe. Noʻonoʻo pinepine ka poʻe hāʻawi kālā i kāu loaʻa kālā i ka wā e hoʻoholo ai i ka nui āu e hiki ai ke hōʻaiʻē ma kahi hōʻaiʻē home.
ʻO ka moraki he 50% o ka uku ʻupena
ʻAʻole ʻoe makemake e hoʻopau i kahi moraki hiki ʻole iā ʻoe ke loaʻa, no laila he mea nui e noʻonoʻo pono e pili ana i kāu loaʻa kālā o kēlā me kēia mahina a me nā lilo i manaʻo ʻia, a waiho i kahi lumi i kāu pūlāwai no nā pilikia pilikia a i ʻole nā lālā i manaʻo ʻole ʻia e hiki mai ana.
Ua ʻae ka hapa nui o nā ʻōlelo aʻoaʻo kālā ʻaʻole pono ka poʻe e hoʻolilo ma mua o 28% o kā lākou loaʻa kālā o kēlā me kēia mahina no nā lilo hale a ʻaʻole i ʻoi aku ma mua o 36% ma ka nui o ka aie, ʻo ia hoʻi nā hale a me nā mea e like me nā hōʻaiʻē haumāna, nā lilo kaʻa a me nā uku kāleka hōʻaiʻē. ʻO ka lula 28/36 pakeneka ka lula no ka loaʻa ʻana o ka home e hoʻonohonoho i kahi palena no ka mea hiki iā ʻoe ke loaʻa i kēlā me kēia mahina.
Laʻana: No ka helu ʻana i ka nui o ka 28% o kāu loaʻa kālā, e hoʻonui wale i kāu loaʻa kālā i kēlā me kēia mahina me 28. Inā he $6.000 kāu kālā o kēlā me kēia mahina, no ka laʻana, ʻo ka hoohalike he 6,000 x 28 = 168,000. E puunaue i kela huina me 100. 168,000 ÷ 100 = 1,680.
Ma muli o kou wahi e noho ai a me ka nui āu e loaʻa ai, hiki i kāu loaʻa kālā makahiki ke ʻoi aku ma mua o ka lawa no ka uhi ʻana i kahi moraki, a i ʻole hiki ke hāʻule. ʻO ka ʻike i ka mea hiki iā ʻoe ke kōkua iā ʻoe e hana i nā ʻanuʻu aʻe ma ke kālā. ʻO ka mea hope āu e makemake ai e lele i kahi hōʻaiʻē home 30 makahiki i ʻoi aku ka pipiʻi no kāu kālā, ʻoiai inā hiki iā ʻoe ke loaʻa kahi mea hāʻawi e makemake e hoʻopaʻa i ka moraki.
ʻEhia ka pakeneka o kāu loaʻa kālā e loaʻa i kāu moraki iā dave ramsey
ʻO ke ala wale nō e ʻike maopopo ai i ka nui āu e hiki ai ke moraki ma kāu uku uku ke kamaʻilio pū me kahi mea hāʻawi. E aʻo lākou i nā ʻano āpau o kāu kūlana kālā e helu i ka nui pololei āu e hōʻaiʻē ai.
Inā he ʻaiʻē kāu, e like me ka uku kaʻa, ka hōʻaiʻē haumāna a i ʻole ka uku kāleka hōʻaiʻē, e unuhi nā mea hāʻawi kālā i kēlā mau lilo mai kāu loaʻa kālā o kēlā me kēia mahina ma mua o ka helu ʻana i ka nui o ka uku moraki hiki iā ʻoe ke loaʻa.
Akā, e ʻike kākou i kekahi mau laʻana i ka hana. Ke hana nei mākou i nā manaʻo like a mākou i hoʻohana ai i kā mākou mau hiʻohiʻona ma luna, koe wale nō nā lilo o kēlā me kēia mahina ($300) a me nā uku ukupanee kūpono.
