120 000 makahiki 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.
Helu helu moraki
Makemake nā mea hōʻaiʻē e ʻike ma kahi o ʻelua mau mahina o ka mālama kālā, ʻo ia ka like me ʻelua mau uku moraki i kēlā me kēia mahina (me ka ukupanee kumu, ʻauhau, a me ka ʻinikua). ʻAʻole koi pinepine ʻia nā waihona no nā moraki FHA a i ʻole VA.
No ke kūʻai ʻana i hale $250.000, pono paha ʻoe e uku ma kahi o $16.750 ma mua no kahi hōʻaiʻē maʻamau. ʻO nā kumukūʻai hoʻomaka e hiki ke haʻahaʻa e like me $6.250 me kahi VA a i ʻole USDA hōʻaiʻē uku ʻole, ʻoiai ʻaʻole kūpono nā mea kūʻai aku no kēia mau papahana.
Hiki i nā mea kūʻai hale e hoʻohana ana i ka polokalamu FHA ke kumu kūʻai mua kokoke i $24.000, akā e hoʻomanaʻo i ka palena o ka hōʻaiʻē FHA i ka $24.000 ma ka hapa nui o nā wahi. No laila, he $400.000 ka home e koi aku i ka uku hoʻohaʻahaʻa kiʻekiʻe e lawe mai i ka nui o ka hōʻaiʻē ma lalo o nā palena kūloko.
ʻO kēia ke kumu o ka ʻohi ʻana o nā mea hōʻaiʻē moraki i ʻehā a ʻeono mahina o ka ʻauhau waiwai ma mua. ʻOkoʻa ka ʻauhau ma muli o ke kumukūʻai makeke o ka home, a he ʻokoʻa koʻikoʻi nui ma waena o kahi home me $100 i kēlā me kēia mahina ma nā ʻauhau a me kahi home me kahi bila ʻauhau he $500 no kēlā me kēia mahina.
No ka hōʻaiʻē maʻamau i hoʻopaʻa ʻia e Fannie Mae a i ʻole Freddie Mac, pono ʻoe i kahi uku hoʻohaʻahaʻa ma kahi o 5%, ʻoiai ʻo 3% nā uku hoʻohaʻahaʻa e loaʻa ana me nā polokalamu like HomeReady a me Conventional 97 loan.
Helu moraki 120.000
ʻOiai he mea hoihoi loa ke kūʻai ʻana i hale, aia kekahi mau helu weliweli e pono ai ʻoe e hoʻomanaʻo. Aia ma waena o lākou nā ʻāpana o ka hōʻaiʻē moraki hiki, ka ʻauhau ma nā palapala kānāwai i kākau ʻia a me nā lilo no ka neʻe ʻana a i ʻole ka hoʻoponopono. Akā ʻo ka helu mua āu e pono ai ke nānā aku i ka nui āu e pono ai e mālama no ka waihona, ʻoiaʻiʻo, e hilinaʻi ʻia i ke kumukūʻai o ka home a inā he home āu e noho ai a i ʻole hoʻokomo kālā. He aha ka waihona maʻamau? He aha nā kumu kūʻai? A he aha nā ala maikaʻi e hoʻomaka ai e mālama no hoʻokahi? E komo kāua i ka mea.
I kēia manawa ua ʻike ʻoe i kekahi o nā ʻokoʻa ma waena o nā mea hōʻaiʻē i ka wā e pili ana i ka waiho ʻana, a me ke ʻano o kahi waihona maʻamau, e kūkākūkā kākou i nā mea maikaʻi a me nā pōʻino o kahi waihona 5% a me kahi waihona 20% no ka hale. .E noi i kahi hōʻaiʻē me kahi waihona o 5% ProsCons E noi i kahi hōʻaiʻē me kahi waihona o 20% ProsCons
'Ōlelo Aʻo: Pili kēia ʻano hoʻohālikelike i ka (mau) laʻana i ʻōlelo ʻia. Inā ʻokoʻa nā huina a me nā huaʻōlelo, ʻokoʻa nā ʻano hoʻohālikelike. ʻAʻole i hoʻokomo ʻia nā kumukūʻai, e like me ka hoʻihoʻi ʻana a i ʻole ka uku mua ʻana, a me ka mālama kālā, e like me ka hoʻokuʻu ʻana i ka uku, i ka helu hoʻohālikelike, akā hiki ke hoʻololi i ke kumukūʻai o ka hōʻaiʻē. ʻO ke ʻano hoʻohālikelike i hōʻike ʻia no kahi hōʻaiʻē i hoʻopaʻa ʻia me nā haʻawina o kēlā me kēia mahina o ke kumupaʻa a me ka ukupanee no $150.000 ma luna o 25 mau makahiki.
Moraki o 120 tausani i 20 makahiki
Ua ʻike paha ʻoe i ka helu ʻana i ka waiho ʻana o kou home e hiki mai ana he mau lilo ʻē aʻe e pono e noʻonoʻo ʻia? Eia kekahi, ʻo ke ʻano o ka mea kūʻai aku e hoʻohuli i ka nui liʻiliʻi āu e mālama ai.
Me kēia helu helu lima hiki iā ʻoe ke hoʻohui i nā mea āpau āu e pono ai e mālama no kou home hou, me nā hoʻolimalima hou. Kōkua kēia helu helu iā ʻoe e hoʻohālikelike i ka nui o kāu pono e mālama i kēlā me kēia mahina e hiki ai i kāu pahuhopu i loko o kāu manawa.
^O na koina hou he 5.000 euros ia na koina huiia o na uku o ka poe akamai, na uku hooponopono a me na uku loio. Hiki ke ʻokoʻa kēia mau uku ma muli o ke ʻano o ka mea kūʻai aku a pono e lawe ʻia ma ke ʻano he kuhi. Loaʻa paha nā kumukūʻai hou ma muli o kou kūlana pilikino. ʻAʻole pono ʻoe e kiʻi i kahi loiloi, akā paipai mākou e hana ʻoe.
