Hiki iā ʻoe ke loaʻa i kahi moraki me kahi ʻaelike 12 mau mahina?
Hōʻike nā alakaʻi hōʻaiʻē FHA ʻaʻole koi ʻia ka mōʻaukala mua ma ke kūlana o kēia manawa. Eia nō naʻe, pono e kākau ka mea hāʻawi kālā i ʻelua mau makahiki o ka hana ma mua, hoʻonaʻauao, a i ʻole lawelawe koa, a wehewehe i nā hemahema.
Pono ka mea noi e kākau i ka mōʻaukala hana no nā makahiki ʻelua i hala. ʻAʻohe pilikia inā hoʻololi ka mea noi kālā i nā hana. Eia nō naʻe, pono e wehewehe ka mea noi i nā hakahaka a i ʻole nā loli nui.
Eia hou, inā e emi kēia uku hou i ka manawa, hiki i ka mea hāʻawi ke hōʻemi iā ia, me ka manaʻo ʻaʻole e mau ka loaʻa kālā i ʻekolu mau makahiki. A me ka ʻole o ʻelua makahiki o ka uku ʻana i ka manawa keu, ʻaʻole paha e ʻae ka mea hāʻawi iā ʻoe e koi iā ia ma kāu palapala moraki.
Aia nā ʻokoʻa. No ka laʻana, inā hana ʻoe no ka hui like, hana i ka hana like, a loaʻa ka loaʻa like a ʻoi aku ka maikaʻi, ʻaʻole e hōʻeha iā ʻoe ka hoʻololi ʻana i kāu ʻano uku mai ka uku a i ke komisina piha a hapa paha.
I kēia mau lā, ʻaʻole ia he mea maʻamau ka hoʻomau ʻana o nā limahana i ka hana no ka hui like a lilo i "consultants", ʻo ia hoʻi, he hana pilikino lākou akā loaʻa ka loaʻa kālā like a ʻoi aku paha. Hiki paha i kēia poʻe noi ke hele a puni ka lula ʻelua makahiki.
Hiki iā ʻoe ke loaʻa kahi moraki me kahi hana kau?
Inā kūkulu hou ka waiwai a hoʻohana ʻia ma ke ʻano he home a he mea kūʻai hale kūʻai mua ʻoe (kekahi mea ʻaʻole i loaʻa kahi moraki ma kou home i ka wā ma mua), hiki iā ʻoe ke koho i ka hoʻolālā kōkua kūʻai a hiki i ka 10% o ke kumu kūʻai: 30.000 euros!
ʻO ka mea nui aku, pono ʻoe e hōʻike i hiki iā ʻoe ke uku i nā uku moraki e loaʻa ai kēia pae o ka moraki. Ina paha he 30 makahiki ka moraki; ʻO nā haʻawina maʻamau he 1.066 euros i kēlā me kēia mahina. E nānā pono mākou i kāu kālā i mea e hōʻoia ai, e pili ana i kāu hoʻolimalima a me nā uku hoʻolimalima (inā ʻoe e hoʻolimalima), hiki iā ʻoe ke uku i kēia mau uku, me ka helu o 25%, ʻo ia hoʻi € 1.332, e noʻonoʻo i ka piʻi ʻana o ke kumu kūʻai. uku panee.
Hiki iā ʻoe ke loaʻa kahi moraki me kahi hāʻawi hana
Hiki ke huikau ka hua'ōlelo "loan paʻa" no ka mea hiki ke ʻokoʻa ka manaʻo ma muli o ka pōʻaiapili. No ka laʻana, ma ka mākeke noʻeau maikaʻi, ʻo nā hōʻaiʻē mau he mau ʻaelike kahi e ʻae ai ka mea hāʻawi i kahi hana noʻeau e hōʻaiʻē iā ia i kahi hale kiʻi kiʻi a i ʻole hale hōʻikeʻike no kahi manawa lōʻihi.
Ma kēia pōʻaiapili, he ʻokoʻa ka hōʻaiʻē mau i ka hāʻawi a i ʻole makana. Eia nō naʻe, ʻoiai ʻo ka huaʻōlelo "loan" e hōʻike pinepine ana i kahi kumu kālā, ʻaʻole i hoʻokomo pinepine ʻia nā hōʻaiʻē mau i ka honua no nā uku ukupanee a i ʻole nā uku kālā ʻē aʻe. Akā, manaʻo wale ka mea hāʻawi i ka ʻoihana e loaʻa ana e hahai i kekahi mau palena, e like me ka ʻae ʻana i ka lōʻihi o ka hōʻaiʻē a me ka hoʻonohonoho ʻana i ka mea hāʻawi e loaʻa i ka lehulehu ka ʻike no ka hana noʻeau i hōʻaiʻē ʻia. ʻOiai ka huaʻōlelo "paʻa," ʻo kēia mau hōʻaiʻē paʻa he manawa pōkole, me nā huaʻōlelo maʻamau mai ka ʻelima a hiki i kanakolu makahiki.
Ma ka honua waiwai, hoʻohana ʻia ka huaʻōlelo "loan mau loa" e wehewehe i nā hōʻaiʻē moraki i hōʻoia ʻia e nā mea hoʻomohala waiwai ma hope o ka pau ʻana o kekahi papahana. Hoʻololi maʻamau kēia mau moraki paʻa i ke kālā hōʻaiʻē kūkulu i hilinaʻi ʻia e ka mea hoʻomohala no ka hoʻomohala ʻana i ka hale a hoʻomākaukau no ke kūʻai aku. Eia kekahi, ʻoiai ua hoʻohana ʻia ka huaʻōlelo paʻa, ʻo ka wehewehe ʻoi aku ka pololei o ka 'loan lōʻihi'. ʻO nā manawa amortization no nā hōʻaiʻē waiwai mau ma waena o 15 a 30 mau makahiki, me 25 mau makahiki he laʻana maʻamau.
Hoʻopau i ka ʻaelike moraki no ka manawa paʻa
Ke hoʻololi ʻoe i nā hana ma hope o ka noi ʻana i kahi hōʻaiʻē, pono nā underwriters e hoʻomaka hou i kā lākou hana, e kau ana i kāu noi ma kāu hana hou. Eia kekahi, inā hoʻololi ʻoe i nā ʻoihana, ʻoi aku ka paʻa o kāu mōʻaukala hana mai ka manaʻo o ka mea hāʻawi.
Eia naʻe, ma mua o kou noi ʻana no kāu hōʻaiʻē home hou, pono ʻoe e ʻike pehea e ʻike ai kāu mea hāʻawi kālā i kāu loli ʻoihana. Inā hāpai ka hoʻololi ʻoihana i ka hae ʻulaʻula no kāu mea hāʻawi, e noʻonoʻo e hoʻopaneʻe i kāu hoʻololi ʻoihana a hiki i ka pau ʻana o kāu hōʻaiʻē home hou.
Makemake ʻoe e ʻae, akā ke kūkulu ʻia nei kou hale hou a pono ʻoe i kahi moraki hou ke pau ka hale i ʻelua mahina hou aʻe. Ua hopohopo ʻo Bill e pili ana ka hoʻololi ʻana i kāna moraki.
Ke neʻe nei ʻo Pat e lawe i kahi hana hou a makemake e kūʻai i hale i kēia manawa. ʻOiaʻiʻo, makemake ʻoe e kūʻai i kou hale ma mua o kou hoʻomaka ʻana e hana ma kou kūlanakauhale hou, akā hopohopo ʻoe no ka ʻae ʻia ʻana no ka moraki ke ʻaʻole ʻoe e hana.
Eia nō naʻe, ʻae nā hōʻaiʻē FHA e helu ʻia ka loaʻa kālā ma lalo o 12 mau mahina. Ua hoʻololi ka mea hana i ke ʻano o ka uku o ka limahana, a ʻo ka mea hana ma ke kūlana like me ka mea hana hoʻokahi.
