ʻO kahi hōʻaiʻē home 30 makahiki he quizlet
Ua kōkua kā mākou poʻe loea iā ʻoe e hoʻokele i kāu kālā no nā makahiki he ʻehā. Hoʻoikaika mau mākou e hāʻawi i nā mea kūʻai aku i ka ʻōlelo aʻoaʻo a me nā mea hana e pono ai ke kūleʻa i ka huakaʻi kālā o ke ola.
ʻAʻole uku kā mākou mea hoʻolaha iā mākou no nā loiloi maikaʻi a i ʻole nā manaʻo. Loaʻa i kā mākou pūnaewele nā papa inoa manuahi a me ka ʻike e pili ana i nā lawelawe kālā like ʻole, mai nā moraki a i ka waihona kālā a i ka ʻinikua, akā ʻaʻole mākou e hoʻokomo i kēlā me kēia huahana ma ka mākeke. Eia kekahi, ʻoiai mākou e hoʻoikaika nei e hana i kā mākou papa inoa e like me ka hiki, e ʻoluʻolu e nānā me nā mea kūʻai aku no ka ʻike hou loa.
ʻO ka 30-makahiki Mortgage Rate Trends I kēia lā, Poalua, Mei 24, 2022, ʻo ka 30-makahiki awelika o ka moraki he 5,39%, e paʻa mau ana i ka pule i hala. No nā mea hale e ʻimi nei e hoʻihoʻi kālā, ʻo ka awelika 30-makahiki refinance i kēia manawa he 5.31%, ma lalo o 4 kumu kumu mai ka pule aku nei.
No kēia lā, Pōʻalua, Mei 30, 24, ʻo 2022% ka nui o ka moraki ma waena o 30 mau makahiki, e paʻa mau ana i ka pule i hala. No nā mea hale e ʻimi nei e hoʻihoʻi kālā, ʻo ka median 5,39-makahiki refinance i kēia manawa he 30%, ma lalo o 5,31 mau kumu kumu mai ka pule aku nei.
Nā hemahema o ka moraki 30 makahiki
He loea hōʻaiʻē ʻo LaToya Irby nāna i uhi i ka hōʻaiʻē a me ka hoʻokele ʻaiʻē no The Balance no nā makahiki he ʻumikūmākahi. Ua haʻi ʻia ʻo ia ma USA Today, The Chicago Tribune, a me ka Associated Press, a ua helu ʻia kāna hana ma kekahi mau puke.
Lea Uradu, JD he puka puka no ke Kulanui o Maryland School of Law, he Maryland State Registered Tax Preparer, State Certified Notary Public, VITA Certified Tax Preparer, Annual Filing Season Program Participant IRS, Tax Writer, and Founder of LAW Tax Resolution Services . Ua hana pū ʻo Lea me nā haneli o ka poʻe malihini a me nā mea kūʻai ʻauhau federal.
He mea hoʻoponopono ʻo Katie Turner, mea nānā ʻoiaʻiʻo, a me ka hōʻoia ʻana. Ua loaʻa iā Katie ka ʻike ma McKinsey e hōʻoia ana i nā ʻike e pili ana i ka ʻoihana, kālā, a me nā ʻano waiwai. Ma Dotdash, ua hoʻomaka ʻo ia ma ke ʻano he mea hōʻoia ʻoiaʻiʻo no Investopedia, ma hope e hui pū me Investopedia a me The Balance ma ke ʻano he mea nānā ʻoiaʻiʻo, e hōʻoia ana i ka pololei o ka ʻike e pili ana i nā kumuhana kālā.
ʻOiai hiki ke kūʻai i hale me ka liʻiliʻi o ka 20% o ka uku, hiki ke hoʻonui i ka nui o ke kumukūʻai. Aia kekahi mau mea e noʻonoʻo ai i ka hoʻoholo ʻana i ka nui o ka waiho ʻana i kahi home.
He aha ke ʻano moraki paʻa 30 makahiki
A ʻoiai ua like paha kēia mau ʻano moraki, aia kekahi mau ʻokoʻa koʻikoʻi. Pono ʻoe e hoʻoholo inā makemake ʻoe i nā uku liʻiliʻi o ka mahina a i ʻole ka uku ʻana i ka uku paneʻe i ka wā e hoʻoholo ai ma waena o kēia mau ʻano hōʻaiʻē moraki.
E koho pinepine ka poʻe kūʻai i nā moraki 20 a i ʻole 30 mau makahiki no nā uku haʻahaʻa o kēlā me kēia mahina a me ka wānana e hele pū me lākou. E nānā pono kākou i nā mea like a me nā ʻokoʻa ma waena o nā ʻano hōʻaiʻē ʻelua.
Ua kaulana loa ka moraki 30 makahiki. E like me ka hōʻike ʻana o ka inoa, ʻo kēia hōʻaiʻē moraki he 30 mau makahiki, ʻo ia hoʻi he 3 mau makahiki kāu e uku ai ma o nā uku mahina maʻamau. Loaʻa iā ia ka uku panee paʻa: ʻo ka uku o kāu hōʻaiʻē ma ka lā mua e like ia me ka hope.
I ka noi ʻana i kahi moraki 30 makahiki, e noʻonoʻo nā mea hāʻawi kālā i nā kumu he nui i ka hoʻoholo ʻana inā e hāʻawi kālā iā ʻoe. ʻO ka mea mua, e nānā lākou i kāu helu FICO® ʻekolu-helu, kahi helu e hāʻawi i nā mea hāʻawi i kahi kiʻi o ka maikaʻi o kou mālama ʻana i kāu hōʻaiʻē a uku i kāu mau bila. Manaʻo ka hapa nui o ka poʻe hāʻawi kālā ʻo FICO® Scores o 740 a i ʻole he mea maikaʻi loa, akā hiki iā ʻoe ke kūpono pinepine no kahi moraki 30 makahiki ʻoiai inā ʻoi aku kāu mau helu ma lalo o 600.
Loaʻa iaʻu he 200 tausani i ka makahiki, pehea kaʻu e uku ai no kahi hale?
Inā ʻaʻole hiki iā ʻoe ke uku no ka hale me ke kālā, aia ʻoe i kahi hui maikaʻi. Ma 2019, 86% o nā mea kūʻai hale i hoʻohana i kahi moraki e pani i ka ʻaelike, e like me ka National Association of Realtors. ʻOi aku kou ʻōpio, ʻoi aku ka nui o kou makemake i kahi moraki e kūʻai ai i home - a ʻoi aku ka nui o kou noʻonoʻo ʻana, "Ehia hale hiki iaʻu ke loaʻa?" ʻoiai ʻaʻole ʻoe i hele i ka ʻike.
ʻO ka loaʻa kālā ka mea maopopo loa i ka nui o ka home e hiki ai iā ʻoe ke loaʻa: ʻoi aku ka nui o kāu loaʻa, ʻoi aku ka nui o ka home āu e hiki ai ke loaʻa, pololei? ʻAe, ʻoi aku a emi mai paha; pili ia i ka hapa o kāu loaʻa kālā i uhi ʻia e nā uku ʻaiʻē.
Ke uku nei paha ʻoe i kahi hōʻaiʻē kaʻa, kāleka hōʻaiʻē, hōʻaiʻē pilikino, a i ʻole kahi hōʻaiʻē haumāna. Ma ka liʻiliʻi loa, e hoʻohui ka poʻe hāʻawi kālā i nā uku ʻaiʻē a pau āu e hana ai i nā mahina he 10 e hiki mai ana. I kekahi manawa, e hoʻokomo pū lākou i nā ʻaiʻē āu e uku ai no kekahi mau mahina ʻē aʻe inā pili nui kēlā mau uku i ka uku o ka moraki i hiki iā ʻoe ke loaʻa.
He aha inā inā loaʻa iā ʻoe kahi hōʻaiʻē haumāna i ka hoʻopanee a i ʻole ka hoʻomanawanui a ʻaʻole ʻoe e uku i kēia manawa? He nui ka poʻe kūʻai hale e haʻohaʻo i ka ʻike ʻana i nā mea hāʻawi kālā i kāu uku hōʻaiʻē haumāna e hiki mai ana i kāu uku ʻaiʻē mahina. Ma hope o nā mea a pau, ʻo ka hoʻopaneʻe a me ka hoʻomanawanui e hāʻawi wale i nā mea hōʻaiʻē i kahi hoʻopaneʻe pōkole, ʻoi aku ka pōkole ma mua o ka manawa o kā lākou moraki.
