Uku moraki
Inā ʻo kēia kou manawa mua e kūʻai ai i hale, pilikia paha ʻoe i ka hoʻoholo ʻana i ka nui āu e hiki ai ke loaʻa. ʻO kekahi o nā pilikia nui o ka poʻe kūʻai hale i ka manawa mua e noʻonoʻo ana i ka pākēneka o ka loaʻa kālā e hele i ka uku moraki i kēlā me kēia mahina. Ua lohe paha ʻoe e hoʻolilo ʻoe ma kahi o 28% o kāu loaʻa kālā nui o kēlā me kēia mahina ma kāu moraki, akā pono anei kēia pākēneka no kēlā me kēia? E nānā pono kākou i ka pākēneka o kāu loaʻa kālā e hele ai i ka moraki.
ʻOkoʻa ke kūlana o kēlā me kēia mea hale, no laila ʻaʻohe kānāwai paʻakikī a wikiwiki hoʻi e pili ana i ka nui o ke kālā āu e hoʻolilo ai i kāu moraki i kēlā me kēia mahina. Eia nō naʻe, he mau ʻōlelo naʻauao ka poʻe akamai e hōʻoia ʻaʻole ʻoe e hoʻopau i ka hoʻolōʻihi ʻana i kāu kālā hale.
ʻO ka lula 28% i kuhikuhi pinepine ʻia ʻaʻole pono ʻoe e hoʻolilo ma mua o kēlā pākēneka o kāu loaʻa kālā nui o kēlā me kēia mahina ma kāu uku moraki, me ka ʻauhau waiwai a me ka ʻinikua. Kapa pinepine ʻia ʻo ia he lākiō moraki-a-loaʻa palekana, a i ʻole he alakaʻi nui maikaʻi no ka uku moraki. ʻO ka loaʻa kālā nui kāu loaʻa kālā o ka home ma mua o ka lawe ʻia ʻana o ka ʻauhau, ka uku ʻaiʻē, a me nā lilo ʻē aʻe. Nānā pinepine ka poʻe hāʻawi kālā i kāu loaʻa kālā nui e hoʻoholo i ka nui āu e hiki ai ke hōʻaiʻē no kahi hōʻaiʻē home.
4 manawa o ka uku moraki
He mea nui e ʻike i ka nui āu e hōʻaiʻē ai me ka moraki, no ka mea, e hoʻololi kēia i kāu ʻimi waiwai. E kōkua pū ia iā ʻoe e ʻike i ka nui o kahi waihona moraki āu e pono ai. Hoʻohana nā mea hōʻaiʻē moraki i nā ʻano kumu like ʻole e helu ai i ka nui o kā lākou hōʻaiʻē ʻana iā ʻoe, akā ʻo kā mākou helu moraki e hāʻawi iā ʻoe i ka manaʻo maikaʻi i ka nui o kāu hiki ke hōʻaiʻē. E ʻoluʻolu e hoʻomaopopo ʻia ʻo ka calculator wale nō ka manaʻo e hāʻawi i kahi hōʻailona.
Ma mua o kou hoʻomaka ʻana e ʻimi i ka hale o kāu mau moeʻuhane, pono ʻoe e ʻike i ka nui āu e hiki ai ke hōʻaiʻē no ke kālā. Ma keʻano laulā, e pili ana ka nui āu e hōʻaiʻē ai i nā mea ʻehā. ʻO ka nui āu e makemake ai e hōʻaiʻē e pili ana i ka waiwai o ka waiwai (ʻike pū ʻia ʻo ka ratio loan-to-value, a i ʻole LTV), kāu helu ʻaiʻē, kāu loaʻa, a me kāu mau lilo.
Hiki iā ʻoe ke uku ʻoluʻolu i ka moraki ke lawe ʻoe i waho i ʻole e hoʻopilikia ʻia kou home ma hope o nā hanana i ʻike ʻole ʻia (e like me ka piʻi ʻana o ka uku panee a i ʻole nā layoff). E hoʻomanaʻo i ka nānā ʻana o kāu mea hōʻaiʻē a i ʻole mea hoʻolimalima moraki e ʻike inā hiki iā ʻoe ke kūʻai aku i kahi moraki, ʻo ka hōʻoia ʻana hiki iā ʻoe ke hoʻokele maʻalahi i nā haʻawina āu e lawe ai e hāʻawi iā ʻoe i ka maluhia o ka noʻonoʻo ma mua o kou noi ʻana.
Moraki o 4,5 manawa o ka uku
Ua hoʻonoho ka UK's Financial Conduct Authority (FCA) i ka palena piha i ka helu o nā moraki hiki iā lākou ke hāʻawi aku ma mua o 4,5 manawa o ka loaʻa kālā o ke kanaka. (A i ʻole 4,5 mau manawa loaʻa kālā ma kahi noi hui).
I ko lākou mana'o, 'o ka 'oihana ko'iko'i he pōkole ia no kahi pae o ka ho'ona'auao e hā'awi ana i nā manawa kūpono no ka holomua 'oihana a me nā hana 'ē a'e inā nalo ka mea 'ai'ē i kāna hana.
Hoʻolaha kekahi mau mea hāʻawi kālā i kā lākou "moraki ʻoihana". Akā inā ʻaʻole ʻoe i loaʻa nā ʻoihana ʻoihana, hiki i kahi mea hoʻopili pili maikaʻi e like me Clifton Private Finance ke loaʻa iā ʻoe ke komo i nā uku like.
Ma hope o ka hoʻoponopono nui ʻana o ka ʻoihana moraki e ka FCA i ka makahiki 2014, ʻaʻole hiki i nā panakō a me nā hui hale ke nānā hou aku i ka palena kiʻekiʻe e hiki i ka mea hōʻaiʻē ke uku (hōʻoia i ka uku a me nā kumu kālā ʻē aʻe).
ʻOiai me ka 5% waihona hoʻolālā, ʻo ka hapa nui o nā mea kūʻai aku i ka manawa mua he paʻakikī ke uku i ka waiwai o ka waiwai UK awelika me kā lākou waihona kālā a me ka loaʻa kālā, ma muli wale nō o ka piʻi like ʻole o nā kumukūʻai hale.
Ehia mau manawa o ka uku no ka moraki UK
Manaʻo ʻoe e kaupalena ana kāu loaʻa kālā i kou hiki ke kūʻai i hale? ʻO ka nui o ke kālā āu e hana ai he mea liʻiliʻi loa ia ma mua o kou manaʻo i ka wā e loaʻa ai kahi moraki. E ʻike i ka hopena o ka loaʻa kālā i ke kūʻai ʻana i ka home kūpono loa iā ʻoe.
ʻOi aku ka manaʻo o nā mea hāʻawi kālā ma mua o kāu uku ke kūʻai ʻana i home. ʻOi aku ka nui o kāu lākiō aie i ka loaʻa kālā (DTI) a me kou hiki ke uku moraki ma mua o ka nui o kāu loaʻa. E noʻonoʻo nō hoʻi lākou i kāu helu ʻaiʻē a me ka nui āu e loaʻa ai no ka uku ʻana.
ʻO kahi hoʻomaka maikaʻi ke ʻae ʻia ma mua, ʻoiai inā ʻaʻole ʻoe maopopo hiki ke loaʻa kahi moraki i kāu loaʻa kālā o kēia manawa. ʻO ka preapproval he leka mai kahi moraki e hōʻike ana iā ʻoe i ka nui o ke kālā āu e hōʻaiʻē ai. Ke ʻae ʻia ʻoe, e nānā nā mea hāʻawi kālā i kāu loaʻa, hōʻike hōʻaiʻē, a me nā waiwai. ʻAe kēia i ka mea hāʻawi kālā e hāʻawi iā ʻoe i kahi kuhi pololei loa i ka nui o ka home āu e hiki ai ke loaʻa.
ʻO ka ʻae mua e hāʻawi iā ʻoe i kahi kālā kūpono e hoʻohana i ka wā e hoʻomaka ai ʻoe e ʻimi i kahi home. Ke ʻike ʻoe i kāu kālā i manaʻo ʻia, hiki iā ʻoe ke nānā i nā hale kūʻai aku e ʻike i ke ʻano o nā kumukūʻai maʻamau. He hōʻailona maikaʻi ia e mākaukau ʻoe e kūʻai inā loaʻa iā ʻoe nā koho nani i kāu pae kumu kūʻai.
