ʻO nā mea hōʻaiʻē moraki liʻiliʻi maikaʻi loa
He lawelawe hoʻohālikelike kūʻokoʻa mākou, kākoʻo hoʻolaha. ʻO kā mākou pahuhopu ke kōkua iā ʻoe e hana i nā hoʻoholo kālā ʻoi aku ka maikaʻi ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka ʻae ʻole, a e ʻae iā ʻoe e alakaʻi i ka noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
ʻO nā hāʻawi i hōʻike ʻia ma kēia pūnaewele mai nā hui e uku mai iā mākou. Hiki i kēia uku ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kēia pūnaewele, me ka laʻana, ke ʻano o ke ʻano e ʻike ʻia ai i loko o nā papa inoa. Akā ʻaʻole pili kēia uku i ka ʻike a mākou e paʻi ai, a me nā loiloi āu e ʻike ai ma kēia pūnaewele. ʻAʻole mākou e hoʻokomo i ka honua o nā hui a i ʻole nā haʻawina kālā i loaʻa iā ʻoe.
He lawelawe hoʻohālikelike kūʻokoʻa mākou i kākoʻo ʻia e hoʻolaha. ʻO kā mākou pahuhopu ke kōkua iā ʻoe e hoʻoholo i nā hoʻoholo kālā ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka pahuhopu, a hiki iā ʻoe ke alakaʻi i ka noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
ʻO nā hōʻaiʻē no nā hale liʻiliʻi ma lalo o 50.000 euros
Inā hōʻole ʻia kāu palapala moraki, aia kekahi mau mea e hiki ai iā ʻoe ke hana e hoʻomaikaʻi i kou manawa e ʻae ʻia i ka manawa aʻe. Mai wikiwiki e ʻimi i kahi mea hāʻawi ʻē aʻe, no ka mea, ʻike ʻia kēlā me kēia noi ma kāu faila aie.
ʻO nā hōʻaiʻē lā uku āu i loaʻa ai i nā makahiki ʻeono i hala e hōʻike ʻia ma kāu moʻolelo, ʻoiai inā ua uku ʻoe iā lākou i ka manawa. Hiki iā ia ke helu kūʻē iā ʻoe, no ka mea, manaʻo paha ka poʻe hāʻawi kālā ʻaʻole hiki iā ʻoe ke uku i ke kuleana kālā o ka loaʻa ʻana o kahi moraki.
ʻAʻole kūpono nā mea hāʻawi kālā. Hoʻokomo ka hapa nui o lākou i kāu ʻikepili noi i loko o kahi kamepiula, no laila ʻaʻole paha ʻoe i hāʻawi ʻia i kahi moraki ma muli o kahi hewa i kāu faila aie. ʻAʻole paha e hāʻawi ka mea hāʻawi iā ʻoe i kumu kikoʻī no ka hāʻule ʻana o kahi noi hōʻaiʻē, ʻaʻole i pili i kāu faila aie.
Loaʻa i nā mea hōʻaiʻē nā ʻano hoʻohālikelike underwriting ʻokoʻa a noʻonoʻo i kekahi mau kumu i ka wā e loiloi ai i kāu noi moraki. Hiki ke hoʻokumu ʻia ma ka hui ʻana o ka makahiki, ka loaʻa kālā, ke kūlana hana, ka ratio loan-to-value, a me ka wahi waiwai.
Hiki iaʻu ke loaʻa i kahi moraki no 100k
ʻAʻole hiki ke kūʻai ʻia nā kumukūʻai home ma ka ʻāina. A pono kekahi mau mea hale e hoʻihoʻi hou i kahi koena hōʻaiʻē liʻiliʻi. Akā, pono anei nā panakō a me nā ʻoihana moraki i ka hōʻaiʻē liʻiliʻi e kūʻai a hoʻihoʻi hou i kahi home?
ʻO ka nui o nā kumukūʻai no ka hoʻokumu ʻana i kahi moraki i hoʻopaʻa ʻia, e like me ke kau inoa a me nā koina hana. Eia nō naʻe, ʻo ka hapa nui o nā mea hōʻaiʻē e uku i nā mea hōʻaiʻē i ka pakeneka o ka nui o ka hōʻaiʻē. No ka moraki he $30.000, ʻaʻole e uhi ka uku hoʻomaka ($1) i nā koina o ka mea hāʻawi. No laila hiki iā ʻoe ke uku i kekahi mau helu keu no ka loaʻa ʻana o kahi hōʻaiʻē liʻiliʻi.
Ma hope o ka hoʻihoʻi ʻana mai ka haʻalulu o kēia nīnau, e pane ka hapa nui o nā luna hōʻaiʻē, "ʻAʻohe o mākou palena hōʻemi maʻamau i nā hōʻaiʻē hou." E kali (e pili i kou pālule ma luna, inā hiki iā ʻoe ke loaʻa i kekahi e lawe i ka pili) no kāna huaʻōlelo hou ʻo "Akā."
Malia paha makemake lākou e kōkua i kahi keiki makua e ʻimi i ka uku mua o ka hale. A i ʻole e hiki mai ana kahi male ʻohana. Hiki paha iā lākou ke hana i nā bila lāʻau i manaʻo ʻole ʻia. A i ʻole ke luhi nei kou home a hiki ke hoʻohana i kahi hoʻoponopono hou. ʻAʻole lākou makemake e noho noho me $250.000 i ka aie, ʻo ia ka awelika no nā moraki hou i ka hopena o 2017. Akā he mea kōkua nui ka $30.000 a i ʻole $40.000 me ka ʻeha ʻole.
ʻO nā hōʻaiʻē no nā hale liʻiliʻi ma lalo o 100.000 euros
Pono paha ʻoe e ʻimi e ʻimi i ka mea hāʻawi kālā e hāʻawi i nā moraki haʻahaʻa, akā kekahi hoa me nā hui ʻoihana ʻole a hana paha i kā lākou papahana hōʻaiʻē ponoʻī e kōkua i ka poʻe e loaʻa ka home a kūkulu i ka waiwai.
ʻO ka moraki kālā liʻiliʻi i manaʻo ʻia he hōʻaiʻē o $100,000 a i ʻole ka liʻiliʻi, ʻoi aku ka haʻahaʻa ma mua o ka nui o ka nui o ka hōʻaiʻē awelika aupuni o $184,700 i ka makahiki 2019. ʻOiai he hapa liʻiliʻi kēia mau hōʻaiʻē o ka huina o nā moraki i hoʻopuka ʻia i kēlā me kēia makahiki. He mea koʻikoʻi lākou no nā ʻohana haʻahaʻa a me waena e hoʻāʻo nei e kūʻai i home.
ʻO ke kumu nui e paʻakikī ai ka loaʻa ʻana o nā moraki liʻiliʻi, ʻo ia ka liʻiliʻi o ke kālā o ka poʻe hāʻawi kālā iā lākou ma mua o nā hōʻaiʻē moraki nui. Ua lawa kēia no nā mea hāʻawi kālā he nui ʻole e hāʻawi iā lākou.
Hāʻawi nā mea hōʻaiʻē i kekahi o nā kumukūʻai paʻa like - ma kahi o $7.000, e like me ka Mortgage Bankers Association - no ka hoʻoponopono ʻana a me ka lawelawe ʻana i kēlā me kēia moraki, inā he hōʻaiʻē liʻiliʻi a i ʻole he hōʻaiʻē jumbo. ʻO kēia ka unuhi ʻana i ka palena haʻahaʻa haʻahaʻa ma nā hōʻaiʻē haʻahaʻa haʻahaʻa. Loaʻa i nā mea hōʻaiʻē ke komisina haʻahaʻa ma mua o nā moraki nui.
