Hiki iaʻu ke loaʻa i kahi moraki inā loaʻa iaʻu kahi hale?
No ka hapanui o ka poʻe, ʻo ka moraki hoʻokahi ka hōʻaiʻē nui a me ka hoʻopukapuka kālā a lākou e hana ai, akā nui nā kumu e makemake ai ʻoe e kūʻai i hale lua, a i ʻole ke kolu.
Aia ma UK he ʻelua ʻano o nā moraki maʻamau: ʻo ka moraki noho, i hoʻohana ʻia e kūʻai i hale e noho ai, a me ka moraki home, ʻo ia ka hōʻaiʻē e kūʻai i ka waiwai hoʻopukapuka.
He mea kāhāhā kēia i ka hapa nui, akā ʻaʻohe kānāwai e pale iā ʻoe mai ka loaʻa ʻana o nā moraki he nui, ʻoiai pilikia paha ʻoe i ka ʻimi ʻana i nā mea hāʻawi kālā e ʻae iā ʻoe e lawe i kahi moraki hou ma hope o nā mea mua.
Pono kēlā me kēia moraki iā ʻoe e hāʻawi i nā pae hoʻohālike o ka mea hāʻawi, me ka nānā ʻana i ka uku kūpono a me kahi hōʻaiʻē. No ka ʻae ʻia ʻana no ka moraki ʻelua, pono ʻoe e hōʻike iā ʻoe i ke kālā kūpono e uku ai, e like me ke kolu, a me ka hā, etc.
Akā, pehea ʻoe inā noho ʻoe ma nā wahi ʻelua? He hale ʻohana ka poʻe he nui akā neʻe lākou i ke kūlanakauhale i ka pule a noho ma kahi pā hale no ka hana; ma hope o nā mea a pau, hana nā hope. Aia ka hiki ke hāʻawi i kahi moraki lua noho i kēia mau kūlana, akā he mea nui e hoʻomaopopo i ka makemake o ka mea hāʻawi e loaʻa i nā hōʻike he nui kēia.
Hiki iaʻu ke loaʻa i kahi moraki inā loaʻa iaʻu kekahi me kaʻu ex?
E aʻo hou i ka uku pānaʻi UK: he aha ka mea e manaʻo ai a pehea e hoʻomākaukau ai ʻO ka waihona waihona Bank of England ka uku hōʻaiʻē kūhelu a kū i kēia manawa ma 0,1%. Hoʻopili kēia helu kumu i ka uku ukupanee UK, hiki ke hoʻokiʻekiʻe (a i ʻole e hoʻohaʻahaʻa) i nā uku moraki a me kāu uku o kēlā me kēia mahina. E aʻo houHe aha ka LTV? Pehea e helu ai i ka LTV – Loan to Value Ratio ʻO ka LTV, a i ʻole loan-to-value, ʻo ia ka nui o ka moraki i hoʻohālikelike ʻia me ka waiwai o kāu waiwai. Loaʻa iā ʻoe ka nui kālā e hiki ai ke loaʻa nā uku moraki maikaʻi loa?
Hiki iaʻu ke loaʻa 2 mau moraki ma 1 waiwai me nā mea hāʻawi ʻokoʻa
Pono nā mea hōʻaiʻē hoʻokuʻu kaulike ʻo lākou wale nō ka ukana mua ma kāu waiwai. Pono e uku ʻia nā moraki a i ʻole nā koina i loaʻa ma ke ʻano he ʻāpana o ka hoʻokuʻu kaulike. Na nā loio o ka mea hāʻawi kālā e lawelawe ana i ka hoʻokuʻu ʻana i ka ʻāina e uku i nā moraki e kū nei me nā kālā mai ka hoʻokuʻu ʻia ʻana. E hoʻoili ʻia ke kālā i koe i kāu waihona panakō.
Inā loaʻa iā ʻoe kahi moraki uku a i ʻole he moraki ukupanee wale nō, koi ʻia kāu uku ma ke ʻano he ʻāpana o ke kaʻina hana hoʻokuʻu kaulike. Ke hoʻopau ʻia ka hoʻokuʻu kumu, ʻo ka mea hāʻawi i hoʻokuʻu ʻia ke kuleana mua ma kāu waiwai, e pani ana i kāu moraki i kēia manawa.
ʻO nā palapala noi hoʻokuʻu kumu a pau he ʻāpana no nā moraki e kū nei. Pono ʻoe e hōʻike i ka mea nāna i hāʻawi aku, ke kuhikuhi o kāu moraki a me ke koena kokoke e uku ʻia. E hoʻokaʻaʻike aku kāu mea hōʻaiʻē moraki i kahi loio hoʻokuʻu no ka loaʻa ʻana o kahi ʻōlelo kūhelu o ka uku.
Hōʻike ka hōʻike amortization i ke koena koena i ka lā i hāʻawi ʻia a me ka nui o ka ukupanee hou e loaʻa i kēlā me kēia lā. ʻAʻole lōʻihi ka lōʻihi o nā ʻōlelo amortization, no laila he mea maʻamau ke noi wale ʻia i ka manawa i hāʻawi ʻia ai kahi hāʻawi moraki.
ʻOi aku ka maʻalahi o ka loaʻa ʻana o kahi moraki inā he hale kāu?
Ua waiho ʻia ka moraki ʻelua ma hope o ka moraki i loaʻa iā ʻoe, no laila inā ʻaʻole hiki iā ʻoe ke uku i ka aie a i ʻole e hoʻoholo e kūʻai aku i kou hale, e uku ʻia ka moraki mua ma mua o ka lua. ʻO ia ke kumu i kapa ʻia ai i kekahi manawa ʻo ka "hoʻopiʻi lua."
E hilinaʻi nui ʻia kēia i ka nui o ke kaulike i loaʻa iā ʻoe i kāu waiwai, akā hiki ke lilo i kekahi mea mai £15.000 a i £1.000.000. No ka laʻana, inā he £350.000 kou hale a loaʻa iā ʻoe kahi moraki i koe o £200.000, e loaʻa iā ʻoe he £150.000 o ke kaulike.
E like me kāu moraki i kēia manawa, pilikia kou home inā nele ʻoe i nā uku no ka moraki ʻelua. Inā pilikia ʻoe i ka uku ʻana, pono ʻoe e kamaʻilio mau me kāu mea hāʻawi aku e ʻimi i kahi ala e hiki ai ke hele i loko o ka pā paʻakikī.
