Uku ukupanee vs. moraki apr
Inā makemake ʻoe i kahi hōʻoluʻolu, eia ka ʻokoʻa ma waena o ka APR a me ka uku panee ma kahi ʻaiʻē. ʻAʻole i komo ka uku panee ma ka hōʻaiʻē a i ʻole nā uku e uku ai ka mea ʻaiʻē, ma ka hoʻomaka ʻana o ka hōʻaiʻē a i ʻole ka makahiki. ʻO ka APR, ma ka ʻaoʻao ʻē aʻe, lawe i ka hopena o kēia mau uku a "hoʻonui" iā lākou no ka loaʻa ʻana o ka uku uku makahiki. No ka laʻana, no ka moraki, e komo pū ka APR i nā koina pani, PMI, a me nā uku kumu hōʻaiʻē.
ʻO ka pane i ka nīnau "He aha ka APR maikaʻi?" Pili ia i kekahi mau kumu. Ma kahi hapa, pili ia i ka uku panee e lanakila ana i kēlā me kēia manawa. E lawe ka poʻe hāʻawi kālā i ka US prime rate a i ʻole nā mea kikoʻī maʻamau a laila hana i kā lākou hoʻoponopono ponoʻī i kēlā uku e hoʻonui i kā lākou mau palena. No laila, ʻo ka mea i ʻaiʻē i kēia manawa, i ka wā e haʻahaʻa ai ka uku paneʻe, he ʻokoʻa loa kona manaʻo i ke ʻano o ka "maikaʻi" APR ma mua o ka mea i hana ʻia i ka makahiki 80, i ka wā i kiʻekiʻe ai ka uku paneʻe.
ʻO ka APR i loaʻa iā ʻoe e hilinaʻi pū i kāu hōʻaiʻē. ʻO ka APR kāleka hōʻaiʻē haʻahaʻa no ka mea me ka ʻaiʻē maikaʻi loa he 12%, ʻoiai ʻo ka APR maikaʻi no ka mea me ka ʻaiʻē awelika hiki ke loaʻa i nā makahiki kiʻekiʻe. Inā loaʻa ka "maikaʻi", aia ma kahi o 12% no ka aie kāleka hōʻaiʻē a ma kahi o 3,5% no kahi moraki 30 makahiki. Akā hou, loli kēia mau helu, i kekahi manawa i kēlā me kēia lā. A no nā moraki, loaʻa maʻamau nā APR "maikaʻi loa" ma nā moraki 15 makahiki a me nā moraki hoʻololi, ʻaʻole ia he koho kālā maikaʻi no nā mea kūʻai aku.
apr vs apy
I ka noi ʻana i kahi hōʻaiʻē, pono mākou e noʻonoʻo i ʻelua mau mea: ʻo ka nominal interest rate (TIN), ʻo ia ke kumukūʻai a mākou e uku ai no ke kālā a lākou e hāʻawi ai iā mākou; a me ka helu makahiki like (APR), e komo pū ana nā komisina, ka manawa o ka hōʻaiʻē a me ka TIN. Ma ʻaneʻi e aʻo mākou e pili ana i ka hopena o kēia mau manaʻo i kahi hōʻaiʻē a i kahi moraki.
ʻO ka TIN ke kumukūʻai a mākou e uku ai no kahi hōʻaiʻē (ke kālā a ka panakō e uku ai iā mākou no ke kapikala ʻaiʻē). He pākēneka ia o ke kālā i hōʻaiʻē ʻia e kahi panakō e hoʻokumu i nā palena o kahi hana e like me ka moraki. Hoʻopili pinepine ʻia ka TIN i kēlā me kēia mahina a pono e hoʻokomo ʻia i loko o nā waihona, nā hōʻaiʻē, nā moraki a me nā huahana ʻē aʻe. Aia ma ʻaneʻi, ma kēia kikokikona Waiwai no nā Mortals.
Hoʻokumu ʻia ka APR i nā ʻano like ʻole, e like me ka TIN, nā komisina e pili ana i kahi hanana hypothetical e like me ke kāpae ʻana a i ʻole amortization, nā kumukūʻai o ka hana a me ke komisina wehe. ʻAʻole ia e hoʻokomo i nā kumukūʻai ʻē aʻe no ka loaʻa ʻana o kahi huahana, e like me nā uku notari, ʻinikua a i ʻole nā huahana pili. Ua helu ʻia ka APR me ka hoʻohana ʻana i ka helu makemakika, hiki iā ʻoe ke kūkākūkā no Sepania ma aneʻi.
helu helu ʻApelila
Nā Waiwai - ʻO nā mea a pau a ke kanaka a i ʻole nā kuleana e loaʻa ai kahi pōmaikaʻi. ʻO nā waiwai ʻupena nā waiwai i ʻoi aku ma mua o nā aie. ʻO nā waiwai wai ka waiwai ma ke ʻano o ke kālā a i ʻole hiki ke hoʻololi i ke kālā.
Balanced Trust - Hoʻokomo ʻo Balanced Trust i ka laulā ākea o nā mākeke hoʻopukapuka, me nā waihona, nā mea hilinaʻi waiwai i helu ʻia a me nā palekana aupuni. ʻO ka pōmaikaʻi nui o kēia ʻano hoʻopukapuka ʻo ia ka maʻalahi o kā lākou mau luna waihona kālā e hiki ke hoʻololi i ke ʻano o nā hoʻopukapuka o ka hilinaʻi e pili ana i ka ulu ʻana o nā kūlana hoʻokele waiwai a me ka loaʻa ʻana o nā hopena maikaʻi loa.
Cash Management Trust - He hilinaʻi kahi e hoʻokomo ai nā mea hoʻopukapuka (nā mea paʻa ʻāpana) i kā lākou kālā i nā mea hana mākeke kālā i loaʻa maʻamau i nā mea hoʻopukapuka ʻoihana me nā haneli haneli mau kālā e hoʻokomo i ka mākeke kālā. Hoʻohana ʻia nā hilinaʻi kālā me kahi palapala hilinaʻi, kahi kahu mālama i nā hana, a me kahi hui hoʻokele kuleana no ka hoʻolālā hoʻopukapuka.
laʻana ʻApelila
I ka piʻi ʻana o ka uku paneʻe, hiki ke hoʻoweliweli ʻia nā helu āu e ʻike ai. ʻOi loa inā maʻa ʻoe e hoʻopaʻa i nā uku haʻahaʻa. Hiki ke hoʻoweliweli ʻia ka loaʻa ʻana o kahi moraki uku paʻa ma kahi kūlana kiʻekiʻe. Ke pani ʻia ka hōʻaiʻē, hoʻopaʻa ʻia ʻoe i kēlā uku uku ke ʻole ʻoe e hoʻihoʻi. ʻO kekahi mea ʻē aʻe, ʻaʻole i noʻonoʻo nui nā mea hale a me nā mea kūʻai hale i kekahi manawa, ʻo ia ka moraki hiki ke hoʻololi ʻia (ARM).
I nā makahiki i hala iho nei, ua loaʻa i ka poʻe nona ka hale i ka nui o ke kaulike, hāʻawi iā lākou i ka mana kālā ma mua o ka wā. Inā ʻoe e noʻonoʻo nei e hoʻokomo i nā waiwai ʻē aʻe, ʻo kēia paha ka manawa e hana ai i kāu neʻe ʻana me kahi hoʻihoʻi kālā.
Ua hele lōʻihi ka hōʻaiʻē moraki i nā makahiki i hala iho nei. ʻAʻole pono ʻoe i kahi 20% uku uku a me kahi helu hōʻaiʻē kūpono e loaʻa ai kahi hōʻaiʻē. Nui nā koho moraki me nā koi uku haʻahaʻa a me nā helu hōʻaiʻē ʻole. ʻO ka mea e pono ai no ka hoʻopau maʻalahi, ʻo ia ka ʻoiaʻiʻo, ka hui pū ʻana a me ka hilinaʻi. Nui nā ʻanuʻu i ke kaʻina moraki, akā ʻo ka mea nui i kēlā me kēia mea ʻo ia ka hāʻawi ʻana i kāu mea hāʻawi i nā ʻike āpau a mākou e pono ai.
