He aha ka mea e ʻimi ai ka poʻe hāʻawi moraki ma nā ʻauhau ʻauhau?
ʻO Justin Pritchard, CFP, he kākā'ōlelo uku a he loea kālā pilikino. Hoʻopili i ka panakō, nā hōʻaiʻē, nā hoʻopukapuka, nā moraki a me nā mea hou aku no The Balance. Loaʻa iā ia kahi MBA mai ke Kulanui o Colorado a ua hana ʻo ia no nā uniona hōʻaiʻē a me nā ʻoihana kālā nui, a me ke kākau ʻana e pili ana i ke kālā pilikino no nā makahiki he ʻelua.
ʻO Andy Smith he Certified Financial Planner (CFP), laikini waiwai waiwai, a me ka mea hoʻonaʻauao me 35 mau makahiki o ka ʻike hoʻokele waiwai. He loea ʻo ia i ke kālā pilikino, kālā ʻoihana a me nā waiwai waiwai a ua kōkua i nā tausani o nā mea kūʻai aku e hoʻokō i kā lākou mau pahuhopu kālā i kāna ʻoihana.
Inā hōʻole ʻia kāu noi hōʻaiʻē, ʻaʻole paha ʻoe i ʻike i ka mea e manaʻo ai a i ʻole ka mea e hana ai. Hiki iā ʻoe ke hoʻomaka ma ka hoʻoholo ʻana i ke kumu i hōʻole ʻia ai ʻoe i kahi hōʻaiʻē, pehea ka lōʻihi o kou kali ʻana ma mua o ka noi hou ʻana, a me nā ʻanuʻu āu e hana ai i kēia manawa a i ka wā e hiki mai ana e pale ai i ka hana hou ʻana.
Loaʻa ka waiwai no kēlā me kēia ʻano o ka hōʻaiʻē, me nā moraki, nā hōʻaiʻē kaʻa, nā kāleka hōʻaiʻē, nā hōʻaiʻē pilikino, a me nā hōʻaiʻē ʻoihana. I kēlā me kēia manawa e hoʻokaʻawale ʻia ma waena o ka hōʻaiʻē āu i manaʻo ai e loaʻa iā ʻoe a me ka mea i ʻae ʻia e kāu mea hāʻawi, pono ke hoʻopaʻa ʻia i kēlā āpau e hoʻonui i kou manawa e ʻae ʻia ke noi hou ʻoe.
He aha ka mea e ʻimi ai ka poʻe hāʻawi kālā i nā hōʻike hōʻaiʻē?
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 hele i kahi mea hāʻawi kālā ʻē aʻe, no ka mea e hōʻike 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 ke helu iā ʻoe, no ka mea, manaʻo paha ka poʻe hāʻawi kālā ʻaʻole hiki iā ʻoe ke hoʻokō 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 aie i pili ʻole 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.
Ke nānā nei nā mea hōʻaiʻē moraki i nā bila pono?
Ke noi nei ʻoe i kahi hōʻaiʻē, loiloi ka poʻe hāʻawi kālā i kāu pilikia hōʻaiʻē ma muli o kekahi mau kumu, e like me kāu mōʻaukala hōʻaiʻē/ uku, kāu loaʻa kālā, a me kāu kūlana kālā holoʻokoʻa. Eia kekahi mau ʻike hou e wehewehe ai i kēia mau kumu, i ʻike ʻia ʻo "5 C's," e kōkua iā ʻoe e hoʻomaopopo maikaʻi i ka mea e ʻimi nei nā mea hāʻawi kālā:
ʻO ke kūpono o nā ʻano ʻaiʻē like ʻole e hilinaʻi nui ʻia ma kāu mōʻaukala hōʻaiʻē, ʻo ia hoʻi, ka track record āu i hoʻokumu ai ma ka mālama ʻana i ka hōʻaiʻē a me ka uku ʻana i ka manawa. ʻO kāu hōʻike hōʻaiʻē he papa inoa kikoʻī o kāu mōʻaukala aie, ʻo ia ka ʻike i hāʻawi ʻia e nā mea hāʻawi kālā i hāʻawi iā ʻoe i ka hōʻaiʻē. ʻOiai ʻokoʻa paha ka ʻike mai kekahi keʻena hōʻike hōʻaiʻē a i kekahi, ʻo nā hōʻike hōʻaiʻē e loaʻa nā ʻano ʻike like, e like me nā inoa o nā mea hāʻawi kālā i hāʻawi i ka hōʻaiʻē iā ʻoe, nā ʻano o kāu hōʻaiʻē, kāu mōʻaukala uku, etc. Hiki iā ʻoe ke kiʻi i kope manuahi o kāu hōʻike hōʻaiʻē i kēlā me kēia 12 mahina mai kēlā me kēia o nā hui hōʻike hōʻaiʻē nui 3 (Equifax, TransUnion, a me Experian) ma annualcreditreport.com. Ma waho aʻe o ka hōʻike hōʻaiʻē, hiki i nā mea hāʻawi kālā ke hoʻohana i ka helu ʻaiʻē, ʻo ia ka helu helu - maʻamau ma waena o 300 a me 850 - ma muli o ka ʻike i kāu hōʻike hōʻaiʻē. ʻO ka helu ʻaiʻē he hōʻailona o ka pilikia i ka mea hāʻawi kālā ma muli o kāu mōʻaukala aie. ʻO ka maʻamau, ʻoi aku ka kiʻekiʻe o ka helu, ʻoi aku ka haʻahaʻa o ka pilikia. Kapa pinepine 'ia nā helu 'ai'e 'o "FICO® Scores" no ka mea, 'o ka nui o nā helu 'ai'ē i ho'ohana 'ia ma United States ua hana 'ia mai ka lako polokalamu i haku 'ia e ka Fair Isaac Corporation (FICO). ʻOiai he nui nā mea hāʻawi kālā e hoʻohana i nā helu hōʻaiʻē e kōkua iā lākou e hoʻoholo i kā lākou hoʻoholo hōʻaiʻē, loaʻa i kēlā me kēia mea hāʻawi kona mau pono ponoʻī, e pili ana i ke kiʻekiʻe o ka pilikia i manaʻo ʻia e ʻae ʻia no kahi huahana hōʻaiʻē i hāʻawi ʻia.
He aha nā mea hōʻaiʻē moraki e ʻimi nei i nā freelancer?
Hiki ke hoʻokaʻawale ʻia ke kaʻina hana mua o ka moraki i mau ʻanuʻu. Hiki ke kapa ʻia ʻo ka pre-qualification a i ʻole ka moraki pre-authorization. Loaʻa i nā mea hāʻawi kālā ʻokoʻa nā wehewehe a me nā pae hoʻohālike no kēlā me kēia pae a lākou e hāʻawi ai.
I loko o kēia kaʻina hana, nānā ka mea hāʻawi kālā i kāu kālā e ʻike i ka nui o ka nui e hiki iā lākou ke hāʻawi iā ʻoe a me ka uku ukupanee. Nīnau lākou i ka ʻike pilikino, nā palapala like ʻole, a e holo paha lākou i kahi hōʻaiʻē.
He mea nui e ʻoluʻolu ʻoe me ka mea hāʻawi a me nā koho moraki a lākou e hāʻawi ai iā ʻoe, mai ka hoʻomaka. Inā hoʻololi ʻoe i nā mea hāʻawi kālā ma hope o ke kau inoa ʻana i ka ʻaelike moraki, pono paha ʻoe e uku i ka hoʻopaʻi uku mua. E hoʻomaopopo pono ʻoe i nā ʻōlelo a me nā kūlana o kāu ʻaelike moraki.
Hāʻawi pololei kekahi mau mea hōʻaiʻē i kā lākou huahana i nā mea hōʻaiʻē, ʻoiai e loaʻa ana kekahi mau huahana moraki ma o nā brokers wale nō. No ka loaʻa ʻana o nā brokers i nā mea hāʻawi kālā he nui, hiki iā lākou ke hāʻawi i kahi ākea ākea o nā huahana moraki e koho ai.
ʻAʻole hiki i nā mea hoʻolimalima moraki ke komo i nā mea hāʻawi like. 'O ia ho'i, 'oko'a nā moraki i loa'a mai kekahi 'elele a 'ākena. I ka hana ʻana me kahi mea hoʻolimalima moraki, e nīnau i nā mea hāʻawi kālā a lākou e hana pū ai.
