ʻO ka loiloi home ma Zillow
Inā ʻoe ma ke ala e kūʻai ai i home, e noʻonoʻo paha ʻoe i ke ʻano o ka loiloi home a pehea e kūpono ai i ke kūʻai ʻana i home. Noi ʻia nā loiloi home ma kahi kokoke i kēlā me kēia kūʻai kūʻai waiwai a hoʻihoʻi kālā. ʻO ka manawa wale nō e hiki ai iā ʻoe ke kūʻai i hale a ʻaʻole pono e kiʻi i kahi loiloi inā ʻoe e kūʻai i hale me ke kālā. Inā loaʻa iā ʻoe ke kālā e kūʻai pololei i kou home, a laila ua kūʻai ʻoe iā ʻoe iho i ke kuleana e hoʻolilo i kēlā me kēia kālā āu e makemake ai. Akā, inā e kūʻai ana ʻoe i home me kahi moraki, ʻaneʻane makemake ka panakō i kahi loiloi o ka home.
ʻO ka loiloi home he hōʻike kūʻokoʻa e hoʻāʻo ana e hoʻoholo i ka waiwai kūʻai kūpono o ka waiwai. Ma mua o ka hāʻawi ʻana i ke kālā, makemake ka panakō e hōʻoia i ka waiwai maoli (ma ka liʻiliʻi loa) ke kumu kūʻai. Inā loaʻa ka loiloi i kahi waiwai home ʻoi aku ka liʻiliʻi ma mua o ke kumukūʻai kūʻai, koi paha ka panakō iā ʻoe e hoʻonui i ke kālā ma ke ʻano he uku. No laila inā ʻoe e mālama nei no ka uku mua, pono paha ʻoe e mālama i ke kālā hou aʻe.
I ka manawa hea ʻaʻole pono ka loiloi?
Hōʻike: Aia kēia ʻatikala i nā loulou pili, ʻo ia ka mea e loaʻa iā mākou kahi komisina inā ʻoe e kaomi i kahi loulou a kūʻai i kahi mea a mākou i ʻōlelo ai. E ʻoluʻolu e ʻike i kā mākou kulekele hōʻike no nā kikoʻī hou aku.
Inā ʻoe e ʻimi nei e kūʻai, kūʻai aku, a i ʻole e hoʻihoʻi kālā i kahi home, ʻo ka loiloi home paha he mea nui ia o ke kaʻina hana. Ma hope o nā mea a pau, pono ʻoe e ʻike i ka nui o ka waiwai o kahi home ma mua o kou hiki ke hana i nā neʻe kālā koʻikoʻi ma luna.
Hiki i ke kaʻina hana loiloi ke hoʻopaʻapaʻa, ʻoiai inā ʻaʻole ʻoe maopopo i ka mea e pili ana. E nānā kākou i ke ʻano o nā loiloi, pehea lākou e hana ai, a me ka nui o ke kumukūʻai.
ʻO ka loiloi home kahi kaʻina e hoʻoholo ai ka mea loiloi waiwai i ka waiwai kūʻai kūpono o kahi home. Hiki iā ia ke hōʻoiaʻiʻo iā ʻoe a me kāu mea hāʻawi aku i ke kumukūʻai āu i ʻae ai e uku no kahi home he kūpono. Hoʻohana pinepine ʻia nā loiloi no ka hoʻoholo ʻana i nā ʻauhau waiwai, no laila koi ʻia lākou ma ka hapa nui o nā kalana.
Inā makemake ʻoe i kahi moraki e kūʻai ai i home, hiki i kāu mea kūʻai waiwai ke manaʻo e hoʻokomo ʻoe i kahi contingency loiloi i loko o ka ʻaelike kūʻai. ʻO ka loiloi loiloi hiki iā ʻoe ke haʻalele i ke kūʻai ʻana i home inā haʻahaʻa loa ka loiloi e hōʻoia i ke kumu kūʻai i ʻaelike ʻia.
ʻO ke kumukūʻai loiloi home
He loea moraki ʻo Shashank Shekhar i hana ma GE Consumer Finance a he ʻoihana moraki i hoʻokumu ʻia ma nā kūlana hoʻokele kiʻekiʻe ma mua o ka hoʻokumu ʻana i kāna hui moraki ponoʻī, ʻo Arcus Lending, Inc. He MBA kāna a ʻo ia ka mea kākau o "First Time Home Buying 101 ”.
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.
Inā kūʻai ʻoe a kūʻai paha i kahi home, kahi hana koʻikoʻi i ke kaʻina hana ʻo ka loiloi home. Ma ke ʻano he mea kūʻai aku, ʻo kahi ʻāpana koʻikoʻi o ka loaʻa ʻana o kahi moraki ke hana ʻia kahi loiloi e hōʻoia i ke kumukūʻai kūʻai aku no ka mea hāʻawi. No nā mea kūʻai aku, he mea nui ka loiloi maikaʻi e hoʻopaʻa i ke kumukūʻai maikaʻi loa no ka home.
ʻO ka loiloi he koho ʻoihana a kūlike ʻole i ka waiwai o kahi waiwai no ke kūʻai aku. Pono nā mea hāʻawi kālā i ka loiloi home ma mua o ka hāʻawi ʻana i kahi moraki no ka mea makemake lākou e pale i kā lākou hoʻopukapuka; Inā emi ka waiwai kūʻai maoli o kahi waiwai ma mua o ke kumu kūʻai kūʻai a hōʻole ka mea kūʻai aku i ka moraki, ʻaʻole hiki i ka mea hāʻawi ke kūʻai aku i ka waiwai no ke kālā kūpono e uhi ai i ka hōʻaiʻē.
Home equity loan me ka loiloi ʻole
ʻAʻole hauʻoli nui ka poʻe i ka wā e hiki mai ai ka manawa no ka loiloi home. Hiki ke lōʻihi ka loiloi ʻana, hiki ke hoʻopaneʻe i ka pani ʻana. Hiki iā lākou ke pipiʻi. Hiki ke hana maikaʻi ʻole ʻia, hiki ke hoʻopaneʻe a me nā kumukūʻai hou.
ʻO ka mea mua, ke emi nei ka helu o nā mea loiloi. Wahi a ka Appraisal Institute, ke emi nei ka heluna o nā mea hoʻokele waiwai paʻa ma kahi o ʻekolu pakeneka o ka makahiki. Manaʻo ʻia e hoʻomau kēia ʻano i nā makahiki ʻelima a ʻumi paha.
ʻO nā hoʻoponopono e pili ana i ka hoʻoikaika ʻana i nā loiloi i hoʻonui i ke kumukūʻai no nā mea hōʻaiʻē. No ka mea ʻaʻole hiki i nā mea hōʻaiʻē moraki ke koho i ka mea loiloi nāna e hana i ka hana, ua lawe nā hui hoʻokele loiloi (AMC) i ka ʻoihana, e hoʻonui ana i nā kumukūʻai a hiki i 40%.
Wahi a ke aupuni, ʻaʻole pono nā ʻoihana waiwai āpau i nā loiloi. ʻO ka mea maʻamau, hiki ke hoʻokuʻu ʻia kahi loiloi inā he $250.000 ka nui o ka hōʻaiʻē a ʻoi aku ka liʻiliʻi A ʻo ke kālepa e pili ana i nā "hōʻano hou, hoʻihoʻi kālā, a i ʻole nā hana ʻē aʻe e pili ana i ka hoʻonui ʻana i ka hōʻaiʻē e kū nei."
He lula like ko Dodd-Frank. Ua ʻōlelo ʻo ia "e pili ana i ke kūʻai ʻana i kahi hale noho mua o ka mea kūʻai aku, ʻaʻole hiki ke hoʻohana ʻia nā manaʻo kumu kūʻai o nā brokers ma ke ʻano he kumu mua no ka hoʻoholo ʻana i ka waiwai o kahi waiwai no ke kumu o ka hoʻokumu ʻana i kahi hōʻaiʻē moraki i hoʻopaʻa ʻia e ia waiwai."
