Nā helu uku paneʻe
Ke koho ʻoe i kahi moraki, mai nānā wale i nā haʻawina mahina. He mea nui e hoʻomaopopo i ka nui o nā uku pānaʻi āu e uku ai, i ka wā e hiki ai ke piʻi aʻe, a me ke ʻano o kāu uku ma hope o ka loaʻa ʻana.
I ka pau ʻana o kēia manawa, e hele ia i ka helu hoʻololi maʻamau (SVR), ke ʻole ia e moraki hou ʻia. ʻOi aku ka kiʻekiʻe o ka uku hoʻololi maʻamau ma mua o ka uku paʻa, hiki ke hoʻohui i ka nui i kāu mau uku mahina.
ʻO ka hapa nui o nā moraki i kēia manawa he "portable", ʻo ia hoʻi, hiki ke hoʻoneʻe ʻia i kahi waiwai hou. Eia nō naʻe, ua manaʻo ʻia ka neʻe ʻana he noi moraki hou, no laila pono ʻoe e hālāwai me nā loiloi affordability o ka mea hāʻawi kālā a me nā pae ʻē aʻe e ʻae ʻia no ka moraki.
ʻO ka "Porting" kahi moraki ke ʻano pinepine wale nō ka mālama ʻana i ke koena e kū nei ma ka ʻaelike paʻa a hoʻemi paha, no laila pono ʻoe e koho i kahi kuʻikahi ʻē aʻe no nā hōʻaiʻē neʻe hou, a ʻaʻole paha e kūlike kēia kuʻikahi hou.
Inā ʻike ʻoe e neʻe paha ʻoe i loko o ka manawa hoʻihoʻi mua o kekahi kuʻikahi hou, makemake paha ʻoe e noʻonoʻo i nā hāʻawi me ka haʻahaʻa a i ʻole nā kumu hoʻolimalima mua, e hāʻawi iā ʻoe i ke kūʻai hou aku i waena o nā mea hāʻawi kālā ke hiki mai ka manawa. neʻe
E hoomaopopo i ka uku panee moraki a me ka apr
ʻO Aly J. Yale ʻo The Balance's Home Buying, Home Loan and Mortgage Expert. Me ka ʻoi aku o 10 mau makahiki o ka ʻike ma ke ʻano he mea kākau manuahi a me ka mea kākau moʻolelo, ua hāʻawi pū ʻo Aly i nā pūnaewele media pūnaewele e like me Forbes, The Motley Fool, CreditCards.com a me The Simple Dollar, me nā wahi hoihoi e pili ana i ka waiwai, nā moraki a me nā kumuhana pili kālā. . Loaʻa iā ia kahi kēkelē laepua ma ka ʻepekema kamaʻilio mai Texas Christian University.
ʻO Doretha Clemons, Ph.D., MBA, PMP, he alakaʻi alakaʻi IT hui a kumu kumu no 34 mau makahiki. He kumu aʻoaʻo ʻo ia ma Connecticut State Colleges and Universities, Maryville University, a me Indiana Wesleyan University. He mea waiwai waiwai ʻo ia a me ka luna o ka Bruised Reed Housing Real Estate Trust, a he mea paʻa i ka laikini hoʻomaikaʻi hale mai ka Mokuʻāina ʻo Connecticut.
He pākēneka o kāu koena hōʻaiʻē holoʻokoʻa. Uku ia i kela a me keia mahina, me ka uku kumupaa, a pau ka aie. He mea ia i ka hoʻoholo ʻana i ke kumukūʻai makahiki no ka hōʻaiʻē kālā mai ka mea hāʻawi aku e kūʻai i hale a i ʻole nā waiwai ʻē aʻe.
ʻO ke kumu hoʻopaneʻe
ʻAʻole noʻonoʻo ka hapa nui o ka poʻe e pili ana i ka mākeke moraki ke ʻole lākou e hana ana i kahi kūʻai home a i ʻole hoʻihoʻi kālā. ʻO ka moraki kahi hōʻaiʻē moraki i hāʻawi ʻia e kahi panakō, mea hāʻawi moraki, a i ʻole nā hui kālā ʻē aʻe. Inā ʻaʻole ʻoe ʻike nui e pili ana i ka mākeke moraki, hiki i kekahi manawa ke ʻike ʻia e like me ka hoʻonohonoho ʻana o ka uku pānaʻi moraki ma muli o kahi ʻano mysticism ʻaʻole i manaʻo ʻia e hoʻomaopopo ʻia e ka poʻe make.
Hoʻoholo ʻia ka uku pānaʻi moraki e ka hui ʻana o nā kumu makeke, e like me ke olakino waiwai holoʻokoʻa, a me nā mea pilikino, e like me ka helu ʻaiʻē, noho ʻana i ka home, a me ka nui o ka hōʻaiʻē i hoʻohālikelike ʻia i ka waiwai o ka home.
ʻOiai ʻo kēia ka mea nui loa, e hele mākou i nā kikoʻī i ke koena o kēia ʻatikala i hiki iā ʻoe ke maopopo loa ua ʻike ʻoe i ka uku pānaʻi moraki a me kāu mea e hana ai e loaʻa ai kahi mea maikaʻi.
Ma mua o ka noʻonoʻo ʻana i kekahi mau mea pilikino, hoʻopili ʻia nā kumukūʻai moraki e kekahi mau kumu i nā mākeke kālā. Hoʻopili kēia i nā hopena o ka mākeke pili, me ke kōkua o ka Federal Reserve, a me ke ʻano o ka hoʻokele waiwai ākea i kēia.
He aha ka uku panee moraki
ʻO ka moraki kahi hōʻaiʻē lōʻihi i hoʻolālā ʻia e kōkua iā ʻoe e kūʻai i home. Ma waho aʻe o ka uku ʻana i ke kapikala, pono ʻoe e uku i ka ukupanee i ka mea hāʻawi. ʻO ka hale a me ka ʻāina e hoʻopuni ana iā ia he mea paʻa. Akā inā makemake ʻoe e loaʻa kahi home, pono ʻoe e ʻike ma mua o kēia mau mea maʻamau. Pili pū kēia manaʻo i ka ʻoihana, ʻoi aku ka nui o nā kumukūʻai paʻa a me nā wahi pani.
ʻAneʻane loaʻa ka moraki ka poʻe kūʻai hale. Ua ʻōlelo pinepine ʻia nā kumukūʻai moraki ma ka nūhou ahiahi, a ʻo ka manaʻo ʻana e pili ana i ka neʻe ʻana o nā kumukūʻai kuhikuhi ua lilo ia i mea maʻamau o ka moʻomeheu kālā.
Ua puka mai ka moraki hou i ka makahiki 1934, i ka wa i hana ai ke aupuni - e kokua i ka aina ma o ke Kaumaha Nui - i ka papahana moraki e hoemi ana i ka uku mua e pono ai no ka hale ma o ka hoonui ana i ka nui o na mea nona ka hale e aie ai. Ma mua o kēlā, koi ʻia kahi 50% uku.
I ka makahiki 2022, makemake ʻia ka uku hoʻohaʻahaʻa he 20%, ʻoiai inā ʻoi aku ka liʻiliʻi o ka uku haʻahaʻa ma mua o 20%, pono ʻoe e lawe i kahi ʻinikua moraki pilikino (PMI), e hoʻonui ai i kāu uku mahina. Eia naʻe, ʻaʻole hiki ke loaʻa ka mea i makemake ʻia. Aia nā papahana moraki e ʻae i nā uku haʻahaʻa haʻahaʻa, akā inā hiki iā ʻoe ke loaʻa i kēlā 20%, pono ʻoe.
