I ka manawa hea e noi ʻia ai kahi loiloi ma ke kaʻina hana hōʻaiʻē?
Inā ʻoe e kūʻai ana i home a i ʻole refinancing, ʻo ka ʻike ʻana i ka waiwai mākeke maoli o ka waiwai kekahi o nā kumu nui loa i ka hoʻopau ʻana i ke kaʻina moraki. A ʻo ia ka mea maʻamau ka loaʻa ʻana o kahi loiloi.
ʻO nā loiloi he ʻāpana kūpono o ke kaʻina moraki no ka mea kōkua lākou i ka hōʻoia ʻana ʻaʻole i ʻoi aku ka waiwai o ka home i ka nui o ka hōʻaiʻē. Hiki paha iā ʻoe ke manaʻo e like me ka hopena o ka hopena, akā ʻo ka ʻike ʻana i ka mea e manaʻo ai hiki ke kōkua i ka hoʻomaha ʻana i kou manaʻo.
ʻO ka loiloi home kahi manaʻo kūʻē ʻole o ka waiwai o ka home e pili ana i ka loiloi maʻamau o ka ʻikepili makeke e kekahi mea loiloi laikini a i ʻole. Ma mua o ka loaʻa ʻana o kahi moraki, noi pinepine ka mea hāʻawi i kahi loiloi e hōʻoia i ka nui o ka hōʻaiʻē e hiki mai ana i loko o kahi pākēneka o ka waiwai o ka home, i ʻike ʻia ʻo ka ratio loan-to-value (LTV).
Inā kūʻai ʻoe i hale, kōkua ka loiloi e hōʻoia i ke kūpono o ke kumukūʻai o ka mea kūʻai aku. He mea nui kēia loiloi no ʻoe a me kāu mea hāʻawi kālā no ka mea ʻaʻole ʻoe e uku, a i ʻole e loaʻa i kahi hōʻaiʻē no, ʻoi aku ka nui o ka waiwai o ka home. Makemake ʻoe e pale i ka uku nui ʻana, a makemake maoli kāu mea hāʻawi e hōʻole i ka hōʻaiʻē ma luna o ke kumukūʻai mākeke inā loaʻa kahi paʻa.
Hoʻokuʻu ʻia o ka hāʻawi ʻana i nā māka
Loaʻa iā mākou ka uku mai kekahi mau hoa hana i hōʻike ʻia ma kēia ʻaoʻao. ʻAʻole mākou i loiloi i nā huahana āpau a i ʻole nā hāʻawi. Hiki i ka uku ke hoʻololi i ke ʻano i hōʻike ʻia ai nā makana ma ka ʻaoʻao, akā ʻaʻole pili ʻia kā mākou mau manaʻo hoʻoponopono a me nā loiloi e ka uku.
Nui a i ʻole nā huahana āpau i hōʻike ʻia ma ʻaneʻi mai kā mākou mau hoa hana e uku iā mākou i ke kōmike. ʻO kēia ke ʻano o ka loaʻa kālā. Akā ʻo kā mākou pono hoʻoponopono e hōʻoia ʻaʻole i hoʻopili ʻia nā manaʻo o kā mākou poʻe loea e ka uku. Pili paha nā ʻōlelo i nā makana e hōʻike ʻia ana ma kēia ʻaoʻao.
ʻO ka mea hōʻaiʻē moraki maikaʻi loa o Ascent no 2022 ke piʻi nei nā kumukūʻai moraki, a wikiwiki hoʻi. Akā, haʻahaʻa mau lākou i ka hoʻohālikelike ʻana i nā kūlana mōʻaukala. No laila, inā makemake ʻoe e hoʻohana i nā kumukūʻai ma mua o ke kiʻekiʻe ʻana, makemake ʻoe e ʻimi i kahi mea hāʻawi kālā e hiki ke kōkua iā ʻoe e hoʻopaʻa i ka uku maikaʻi loa. e like me 3 mau minuke, ʻaʻohe hōʻaiʻē paʻakikī, a laka i kāu helu i kēlā me kēia manawa. ʻO kekahi pōmaikaʻi? ʻAʻole lākou e uku i ka hoʻokumu ʻana a i ʻole nā uku hāʻawi kālā (hiki ke kiʻekiʻe e like me 2% o ka nui o ka hōʻaiʻē no kekahi mau mea hāʻawi kālā).
Ka helu hale
Inā ʻoe e kūʻai ana i home a i ʻole e hoʻihoʻi kālā i kāu moraki, e pāʻani nui ana kāu loiloi home i ke kaʻina hana. He mea nui ka hoʻomaopopo ʻana i ka nui o ka waiwai i ka hoʻoholo ʻana e hiki ai iā ʻoe ke hoʻokō i ka kūleʻa kālā.
ʻO ka loiloi home kahi ʻano loiloi maʻamau kahi e hoʻoholo ai ka mea loiloi waiwai i ka waiwai kūʻai kūpono o kahi home. Hāʻawi ka loiloi home i ka ʻike pili ʻole i ka waiwai i manaʻo ʻia o kahi waiwai i hoʻohālikelike ʻia me nā hale i kūʻai ʻia aku nei ma ia wahi.
ʻO ka maʻalahi, pane nā loiloi i ka nīnau "pehia ka waiwai o koʻu hale?" Mālama lākou i ka mea hāʻawi a me ka mea kūʻai mai: hiki i nā mea hāʻawi ke pale i ka pilikia o ka hōʻaiʻē kālā ma mua o ka mea e pono ai, a hiki i nā mea kūʻai ke hōʻole i ka uku ʻoi aku ma mua o ka waiwai maoli o ka home.
ʻO ka mea maʻamau, ʻo ke kumukūʻai hoʻolimalima home hoʻokahi ʻohana ma waena o $300 a me $400. ʻOi aku ka lōʻihi o ka loiloi ʻana o nā ʻohana lehulehu ma muli o ko lākou nui, e hoʻokokoke ana i kā lākou kumukūʻai loiloi i $600. Akā, he mea nui e hoʻomanaʻo i ka nui o ke kumukūʻai o ka loiloi home ma muli o nā kumu he nui:
I ka manawa hea ʻaʻole pono ka loiloi?
ʻO ka loiloi home kahi koho e hoʻoholo ai i kona waiwai kūʻai. Ma waho aʻe o ke kūʻai ʻana i nā hōʻaiʻē, noi ʻia nā loiloi i ka wā e hoʻihoʻi hou ai i kahi hōʻaiʻē a i ʻole e hoʻāʻo e kāpae i ka ʻinikua moraki pilikino (PMI).
Pono nā mea hāʻawi kālā i nā loiloi ʻoihana e hōʻoia ʻaʻole lākou e hōʻaiʻē iā ʻoe ma mua o ka hiki iā lākou ke hoʻihoʻi inā ʻaʻole ʻoe i ka hōʻaiʻē, no laila ʻoi aku ka maikaʻi o ka pale ʻana i ka mea hāʻawi aku ma mua o ka mea kūʻai hale. Eia nō naʻe, he mea pono no ka mea kūʻai aku: ʻaʻohe mea makemake e uku hou aku no ka hale ma mua o ka pono.
ʻOiai he mea nui nā loiloi i ka mea hāʻawi aku a me ka mea kūʻai hale, hiki i ka loiloi maikaʻi ʻole ke hopena i ka ʻae ʻole ʻia o kāu noi moraki. Ma lalo iho nei ʻelima o nā pilikia loiloi maʻamau i hiki ke hoʻopilikia i kāu noi moraki.
Ma waho o ka ʻōlelo a ka ʻaelike kūʻai e pili ana i ka waiwai o kāu waiwai, e hoʻoholo ka ʻoihana moraki i kāna hoʻoholo ponoʻī. No ke kōkua ʻana i ka hoʻoholo ʻana, hoʻohana nā mea hāʻawi kālā i kahi loiloi kūʻokoʻa o ka waiwai mākeke o kēia manawa e like me ka hōʻike ʻana e ka mea loiloi laikini.
