Nā palapala moraki lehulehu
He lawelawe hoʻohālikelike kūʻokoʻa mākou, kākoʻo 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 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.
Palapala moraki Bank of America
ʻO ka noi ʻana i nā mea hōʻaiʻē moraki e hiki ai iā ʻoe ke hoʻohālikelike i nā kumukūʻai a me nā uku e loaʻa ai ka hana maikaʻi loa. ʻO ka loaʻa ʻana o kekahi mau makana i ka lima e hāʻawi i kahi pōmaikaʻi i ka wā e kūkākūkā ai me nā mea hāʻawi ʻokoʻa. Eia naʻe, ʻo ka noi ʻana me nā mea hāʻawi kālā he nui hiki ke alakaʻi i nā nīnau hōʻaiʻē e hoʻohaʻahaʻa i kāu helu, a hiki ke hoʻoulu i ke kahe o nā kelepona makemake ʻole a me nā noi.
He mea paʻakikī ke ʻike inā loaʻa iā ʻoe ka makana maikaʻi loa inā ʻaʻole ʻoe i kūʻai a puni. Mahalo i nā kānāwai e kaupalena ana i ka uku o nā hui moraki, ʻaʻole liʻiliʻi ka hoʻololi ʻana i nā kumukūʻai a me nā uku mai kekahi ʻoihana a i kekahi ma mua o ka wā ma mua, no ka laʻana, i ka makahiki 2000. Eia naʻe, e mau ana nā ʻokoʻa maʻalahi, a ʻo ka mea i kēia manawa he mea liʻiliʻi. Hiki ke unuhi ʻia ka waihona kālā i ka nui o ke kālā ma nā moraki 15 a i ʻole 30 makahiki. E hoʻohana i ka helu moraki e hoʻohālikelike i ka hopena o nā uku like ʻole i kāu uku mahina.
Eia kekahi, ʻokoʻa ke ʻano o nā mea hāʻawi kālā e pili ana i nā kumukūʻai a me nā kumukūʻai pani, i pili like ʻole. Hoʻonui kekahi poʻe hāʻawi kālā i nā kumukūʻai pani e hoʻohaʻahaʻa i ka uku paneʻe, aʻo nā poʻe ʻē aʻe e hoʻolaha haʻahaʻa a ʻaʻohe kumu pani e hāʻawi i nā uku ukupanee kiʻekiʻe.
ʻEhia ka nui o nā mea hōʻaiʻē moraki e pono iaʻu ke noi me Reddit?
ʻO ke kumu ʻē aʻe e kūʻai aku ai, ʻo ia nā papahana moraki, nā koina pani, nā uku ukupanee, a me ka lawelawe hiki ke ʻano like ʻole mai ka mea nāna e hāʻawi aku. ʻO ka loaʻa ʻana o ka ʻae ʻana i ka hōʻaiʻē e hiki ai iā ʻoe ke hoʻāʻo i nā wai me nā mea hāʻawi kālā a hoʻohālikelike i nā ʻōlelo hōʻaiʻē.
Ke koi nei ka Consumer Financial Protection Bureau (CFPB) inā he 20% wale nō o ka poʻe kūʻai hale i loaʻa kālā keu, e mālama pū lākou i $4.000 biliona i kēlā me kēia makahiki ma muli o ka hoʻonui ʻana i ka hoʻokūkū ma waena o nā mea hāʻawi moraki.
Eia kekahi, i ka makahiki o nā moraki pūnaewele, pre-qualification a pre-approval, ʻoi aku ka nui o nā mea hana a ka poʻe hōʻaiʻē ma mua o ka loaʻa ʻana o ka uku maikaʻi loa, me ka ʻole o ka waiho ʻana i kahi palapala moraki maʻamau.
Hōʻike ʻo Freddie Mac i ka poʻe kūʻai hale i noi i nā manawa he nui i hōʻemi i ko lākou manawa e loaʻa ai ka uku moraki maikaʻi ʻole ma kahi o 5%. ʻOiai ʻo ka poʻe kūʻai hale i ʻimi wale i uku maʻamau i nā uku moraki kiʻekiʻe ma mua o nā mea hōʻaiʻē ʻē aʻe.
Ua hoʻopaʻa ʻia kēia mau waihona e kahi noiʻi CFPB i ʻike ʻo "ʻaʻole e kūʻai aku a puni no kahi moraki e uku ai ka mea kūʻai home ma kahi o $300 i ka makahiki a me nā tausani he nui i ke ola o ka hōʻaiʻē."
Hiki iā ʻoe ke hana no ʻelua hui moraki i ka manawa like?
Mai ka dotcom boom o ka hopena o 90s, ua lilo nā ʻoihana moraki pūnaewele i mea ikaika nui i ka ʻoihana hāʻawi home. Ke alakaʻi nei i ke ala ʻo Rocket Mortgage, i kēia manawa ka mea hoʻolimalima moraki nui loa o ka lāhui. Ua kapa ʻia ʻo Rocket Mortgage ma mua ʻo Quicken Loans akā ua hoʻololi i kona inoa ma Mei 2021 e hui pū me kāna hui makua ʻo Rocket Companies.
ʻO ka ulu ʻana o nā mea pāʻani e like me Rocket Mortgage, nāna e hāʻawi i kahi kaʻina hana ʻae ʻia ma o kā lākou paepae, ʻo ia ka mea i ʻoi aku ka nui o nā ʻoihana pūnaewele ma mua o ka panakō kaiāulu ma ke alanui? ʻAʻole pono. ʻO kahi āu e hele ai no kahi hōʻaiʻē e hilinaʻi nui ʻia i ka mea ʻoluʻolu loa iā ʻoe a me kahi e hiki ai iā ʻoe ke loaʻa ka uku ukupanee maikaʻi loa.
Hāʻawi nā ʻano mea ʻaiʻē ʻelua i ka ʻae mua ʻana i ka moraki. Hiki i ka ʻae ʻia ʻana i kekahi manawa ke kōkua iā ʻoe e ʻae ʻia kahi hāʻawi home. Eia nō naʻe, aia kekahi mau ʻokoʻa koʻikoʻi ma waena o lākou e hoʻoholo ai i kahi āu e makemake ai.
ʻO ka hele ʻana i kahi mea hōʻaiʻē pūnaewele e hāʻawi i kekahi mau pōmaikaʻi, ʻoiai inā he kanaka makemake ʻoe e manaʻo i ka mana o ke kaʻina hana hōʻaiʻē. ʻO nā mea maikaʻi o ka hele ʻana me kahi hui e like me Rocket Mortgage me:
