E ʻae ʻia kaʻu moraki?
Hiki iā ʻoe ke loaʻa kahi pane e pili ana i kou ʻae ʻia - ʻike ʻia ʻo ka ʻae mua ʻana o ka moraki - no ka manuahi i loko o 1-3 mau lā. Ma ia ala e ʻike maopopo ai ʻoe i nā polokalamu hōʻaiʻē āu e kūpono ai a me ka nui āu e hiki ai ke hōʻaiʻē e kūʻai i kou home.
E noi ka mea hāʻawi i ka loiloi o kāu mau hōʻike hōʻaiʻē mai nā keʻena hōʻike hōʻike hōʻaiʻē nui e hōʻoia ʻaʻole i loli kāu helu ʻaiʻē ma mua o ka ʻae ʻia. Eia nō naʻe, inā ua hoʻokō ʻia kāu hōʻaiʻē ma mua o ka ʻae ʻia a ʻaʻole i koi ʻia kahi hōʻaiʻē hou.
"Ma hope o ka ʻae mua ʻana, me ka nānā ʻole i ka makahiki o ka hōʻike hōʻaiʻē, e hana mau ʻia kahi loiloi palupalu e hōʻoia ai ʻaʻohe mea nui i loli," wahi a Jon Meyer, ka loea hāʻawi kālā ma The Mortgage Reports a me MLO laikini.
E nānā hou ka mea lawelawe hōʻaiʻē i kou pono ʻaiʻē a nānā i nā loli i kāu mōʻaukala aie, e like me ka wehe ʻana i nā kāleka hōʻaiʻē hou, ka lawe ʻana i ke kaʻa a i ʻole nā ʻaiʻē haumāna, nā aie hou o kēlā me kēia mahina, a i ʻole ka uku ʻaiʻē.
He paʻakikī ka loaʻa ʻana o kahi moraki reddit
Inā ʻoe e noʻonoʻo nei e kūʻai i hale, ʻo ka noi ʻana i kahi moraki e like paha me kahi hana paʻakikī. Pono ʻoe e hāʻawi i nā ʻike he nui a hoʻopiha i nā palapala he nui, akā ʻo ka mākaukau ʻana e kōkua i ke kaʻina hana e like me ka hiki.
ʻO ka nānā ʻana i ka affordability kahi hana kikoʻī loa. E noʻonoʻo ka poʻe hāʻawi kālā i kāu mau pili hale maʻamau a me nā lilo, a me nā ʻaiʻē e like me nā hōʻaiʻē a me nā kāleka hōʻaiʻē, i mea e maopopo ai ua lawa kāu koena e uhi ai i kāu uku moraki i kēlā me kēia mahina.
Eia hou, e hana lākou i kahi hōʻaiʻē me kahi ʻoihana hōʻaiʻē i ka wā i waiho ai ʻoe i kahi palapala noi e nānā i kāu mōʻaukala kālā a loiloi i ka pilikia e pili ana i ka hāʻawi ʻana iā ʻoe.
Ma mua o kou noi ʻana i moraki, e kelepona i nā keʻena kuhikuhi ʻaiʻē nui ʻekolu a nānā i kāu hōʻike hōʻaiʻē. E hōʻoia ʻaʻohe ʻike hewa e pili ana iā ʻoe. Hiki iā ʻoe ke hana i kēia ma ka pūnaewele, ma o kahi lawelawe kau inoa uku a i ʻole kekahi o nā lawelawe pūnaewele manuahi i loaʻa i kēia manawa.
Hoʻolimalima kekahi mau ʻelele i ka uku no ka ʻōlelo aʻo, loaʻa ke komisina mai ka mea hāʻawi aku, a i ʻole ka hui pū ʻana o nā mea ʻelua. E haʻi aku lākou iā ʻoe i kā lākou uku a me ke ʻano o ka lawelawe a lākou e hāʻawi ai iā ʻoe i kāu hālāwai mua. ʻAʻole uku maʻamau nā ʻōlelo aʻoaʻo hale ma nā panakō a me nā hui moraki no kā lākou ʻōlelo aʻo.
ʻAʻole hiki iaʻu ke loaʻa ka moraki, he aha kaʻu e hana ai?
ʻO ka uku paneʻe moraki kokoke i nā haʻahaʻa haʻahaʻa i nā manawa a pau, he manawa kūpono ia e noi ai i kahi hōʻaiʻē home. Eia naʻe, ʻoiai ʻoi aku ka maʻalahi o ka loaʻa ʻana o kahi moraki i kēia manawa ma mua o kēlā me kēia manawa o ka mōʻaukala hou, ʻoi aku ka paʻakikī o ka ʻae ʻia ʻana no ka moraki.
Makemake nā mea hōʻaiʻē e ʻike inā hiki iā ʻoe ke uku i ka hōʻaiʻē moraki. A ʻo ke ala maikaʻi loa e hoʻoholo ai i kēia ka nānā ʻana i kāu mōʻaukala kālā. ʻO ka mea kikoʻī, makemake ka poʻe hāʻawi hōʻaiʻē moraki e ʻike ua hana ʻoe no ka mea hana hoʻokahi no nā makahiki liʻiliʻi a ʻoi aku ka like o kāu loaʻa kālā (a i hoʻonui liʻiliʻi i ka manawa).
Inā loaʻa iā ʻoe kahi hana i ʻelua mahina i hala aku nei, inā ua hoʻololi ʻoe i nā hui i ʻelima mau manawa i nā mahina ʻeono i hala iho nei, a inā ʻaʻole kūlike kāu loaʻa kālā, he hae ʻulaʻula nui kēia no nā mea hāʻawi kālā e hiki ai ke hōʻole i ka hōʻaiʻē.
E noi ana nā mea hōʻaiʻē i kāu mau hoʻihoʻi ʻauhau ma mua a uku i nā stubs no ka loiloi inā paʻa paha kāu loaʻa kālā i ka manawa a hiki iā ʻoe ke uku i ka hōʻaiʻē. Makemake paha lākou i ka hōʻoia mai kāu mea hana i kēia manawa he hana maoli kāu me lākou. Inā ʻaʻole hiki iā ʻoe ke hōʻoia i ka paʻa o kāu loaʻa kālā a loaʻa iā ʻoe kahi hana i kēia manawa, hiki iā ʻoe ke honi i kou manawa e loaʻa ai kahi moraki aloha.
No ke aha i paʻakikī loa ka loaʻa ʻana o kahi moraki i kēia lā?
Ke kūʻai ʻana i hale, ʻo ka pilikia mua e lanakila ai ʻo ia ka hōʻoiaʻiʻo ʻana i kahi mea hoʻolimalima moraki e kau i ke kālā e pono ai. ʻOiai he mea maʻalahi ke kaʻina hana ʻae ʻia home, ʻo ka ʻoiaʻiʻo he nui nā pilikia moraki e hiki ke pale iā ʻoe mai ka loaʻa ʻana o ke kālā āu e pono ai.
ʻOiaʻiʻo, e like me Bankrate, ua hōʻole ʻia ka 30% o nā noi moraki. Eia naʻe, ʻo ka mea i ʻōlelo mua ʻia he mea kaua, no laila ke manaʻolana nei mākou e ʻae kēia mau ʻōlelo aʻoaʻo iā ʻoe e hui pū me ka hauʻoli 70% e heʻenalu me ka pilikia ʻole.
ʻO FICO, ʻo ia ka acronym makaʻu pinepine akā ʻike ʻole ʻia, kū maoli ʻo ia no Fair Isaac Corporation, ʻo ia kekahi o nā hui e hāʻawi i nā lako polokalamu no ka helu ʻana i kāu helu ʻaiʻē. Hōʻike ʻia kēia mau helu e nā ʻoihana ʻaiʻē ʻekolu: Equifax, TransUnion, a me Experian.
E helu ana nā mea hōʻaiʻē moraki i nā huahelu e loaʻa ai kahi pae hoʻohālikelike a lākou e makemake ai e hoʻomaka e kamaʻilio me ka pipi. ʻOiai, i ka wā ma mua, hiki i ka poʻe hōʻaiʻē me nā helu hōʻaiʻē maikaʻi ʻole (maʻamau <640) hiki ke loaʻa i nā hōʻaiʻē moraki, ʻo ia ka fiasco i hoʻokumu ai i ka huaʻōlelo "subprime mortgage crisis" (subprime pili i ka helu ʻaiʻē a ka mea hōʻaiʻē). I kēia lā, pono ʻoe i ka helu awelika ma kahi o 680, a ʻo 700+ ka mea maikaʻi loa. Eia kekahi mau ʻōlelo aʻoaʻo e hoʻonui i kāu helu ʻaiʻē.
