ʻO nā mea hoʻolimalima moraki lua maikaʻi loa
Ua uku mau ʻoe i kāu moraki ke hoʻomaka koke ʻoe e loaʻa nā leka mai nā mea hāʻawi kālā e kono ana iā ʻoe e lawe i kahi moraki lua. "E kūkulu i ka waiwai!" wahi a lākou. “E uku i kāu mau haʻawina! Hana hou i kou hale”.
ʻO ka lua o ka moraki ke kaumaha ʻoe i ka waiwai o kou home ponoʻī (ma ka hoʻololi ʻana iā ia i hōʻaiʻē) no ke ala wikiwiki e uku ai i nā aie ʻē aʻe, hoʻopau i nā papahana hoʻomaikaʻi hale, a kūʻai paha i kahi mea hiki ʻole iā ʻoe ke loaʻa.
ʻO kēia ka mea e hiki mai ana: ʻŌlelo kekahi mea nona, "Ua ʻike ʻoe i ke aha? Loaʻa iaʻu he $100.000 kālā. No ke aha e hiki ʻole ai iaʻu ke hoʻololi i kēlā $100.000 i kālā e hiki iaʻu ke hoʻohana e uku i kaʻu hōʻaiʻē haumāna, hoʻoponopono hou i koʻu hale, a i ʻole hele i ka hoʻomaha?"
A inā paha, manaʻo kekahi mea hāʻawi kālā he manaʻo maikaʻi loa ia a pane mai, "Ua loaʻa iā ʻoe kahi kuʻikahi!" Ua ʻae ka mea hāʻawi kālā e hāʻawi i ka mea nona ke kumu kālā inā hoʻohiki ʻo ia e hoʻihoʻi i ke kālā me ka uku panee, a i ʻole e hāʻawi i kona hale inā ʻaʻole ʻo ia.
I kēia manawa, me kahi hoʻolimalima kālā ʻaʻole ʻoe e ʻaiʻē hou aku (maʻamau). ʻOiaʻiʻo, inā ʻoe e hoʻihoʻi hou i ke ala kūpono a no nā kumu kūpono (ʻoi aku ka maikaʻi o ka uku paneʻe a me ka manawa pōkole), e mālama ʻoe i ʻumi kaukani kālā i ka ukupanee a uku koke i kou hale.
Hiki iaʻu ke loaʻa i kahi moraki inā loaʻa iaʻu kahi hale?
Hoʻonoho ʻia ka moraki ʻelua ma hope o ka moraki i loaʻa iā ʻoe, no laila inā ʻaʻole hiki iā ʻoe ke uku i kāu aie a hoʻoholo paha 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 he "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 i ke ala ʻino.
2nd moraki vs refinancing
Ua kākau ʻo Miriam Caldwell e pili ana i ka waihona kālā a me nā kumu kālā pilikino mai ka makahiki 2005. Aʻo ʻo ia i ke kākau ʻana ma ke ʻano he kumu aʻo pūnaewele me Brigham Young University-Idaho, a he kumu no nā haumāna kula aupuni ma Cary, North Carolina.
Lea Uradu, JD he puka puka no ke Kulanui o Maryland School of Law, Registered Tax Preparer in the State of Maryland, State Certified Notary Public, Certified VITA Tax Preparer, Komo i ka Annual Filing Season Program o ka IRS, ka mea kākau ʻauhau a me ka mea hoʻokumu. o na Oihana Hooholo Auhau. Ua hana pū ʻo Lea me nā haneli o ka poʻe malihini a me nā mea kūʻai ʻauhau federal.
ʻO ka moraki ʻelua he hōʻaiʻē āu e lawe ai me ka hoʻohana ʻana i kou home i mea hōʻaiʻē i ka wā i hoʻopaʻa ʻia kahi hōʻaiʻē e kēlā waiwai. Lawe kekahi poʻe i ka moraki ʻelua e uku i ko lākou home. Hana kekahi i mea e uku ai i ka aie a i ʻole e hoʻomaikaʻi hale.
Hiki i nā hopena o ka hoʻoholo ke lōʻihi loa, no laila ʻaʻole pono e lawe māmā ʻia. He mea nui e hoʻomaopopo i ke ʻano o ke kaʻina hana, pehea e noi ai no kahi moraki ʻelua a pehea e pili ai i kāu kālā i kēia manawa a i ka wā e hiki mai ana.
ʻO nā koi moraki ʻelua
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 ʻo ia ka uku hōʻaiʻē kūhelu a kū i kēia manawa ma 0,1%. Hoʻopili kēia helu kumu i ka uku paneʻe UK, hiki ke hoʻonui (a i ʻole e hoʻemi) i ka uku pānaʻi moraki a me kāu uku 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 i ka waiwai o kāu waiwai. Loaʻa iā ʻoe ka nui kālā e hiki ai ke loaʻa nā uku moraki maikaʻi loa?
