loaʻa pono
ʻO ke kūpono, ʻaʻole pono kāu uku moraki i kēlā me kēia mahina (me ke kumupaʻa, ukupanee, ʻauhau, a me ka ʻinikua) ma mua o 28% o kāu loaʻa kālā o kēlā me kēia mahina. Akā hiki i nā mea hāʻawi kālā ke maʻalahi, no laila inā ʻoi aku ka kiʻekiʻe o kāu DTI, mai hopohopo.
"E hoʻomanaʻo e helu ana kāu luna hōʻaiʻē iā ʻoe ma muli o ka loaʻa kālā nui (ma mua o ka ʻauhau). No laila, inā he 43% kāu DTI nui (e hoʻomaka ana i ka DTI), makemake paha ʻoe e noʻonoʻo i kāu ʻupena DTI (hoʻopau DTI)," wahi a Jon Meyer, ka loea hāʻawi kālā ma The Mortgage Reports a me MLO laikini.
ʻO ka loaʻa kālā nui kāu mau loaʻa kālā ma mua o ka ʻauhau. ʻO ia ka huina hui o kāu uku, uku ukupanee, pōmaikaʻi, kākoʻo keiki, a me nā kālā ʻē aʻe. ʻO ka mea i koe ma hope o ka uku ʻana i ka ʻauhau ʻo kāu loaʻa kālā.
ʻO ka ratio ʻaiʻē a me ka loaʻa kālā, ʻike ʻia hoʻi ʻo ka moraki-a-loaʻa ratio, ʻo ia ka hapa o kāu loaʻa kālā nui makahiki e pili ana i ka uku ʻana i nā lilo hale i kēlā me kēia mahina. Ua helu ʻia ka lakio moraki-i-loaʻa ma ka puʻunaue ʻana i kāu uku moraki i manaʻo ʻia me kāu loaʻa kālā nui o kēlā me kēia mahina.
ehia ka nui e hiki ai ke uku deutsch
ʻO kekahi o nā mea nui e noʻonoʻo ai i ke kūʻai ʻana i kahi home, ʻo ia ka nui o ka moraki hiki iā ʻoe ke uku kūpono. No ka mea, ʻo ka ʻike ʻana i ka nui āu e hiki ai ke hoʻolilo i nā uku o kēlā me kēia mahina e hana pinepine ai i ka ʻokoʻa ma waena o ka noho ʻoluʻolu a i ʻole ka hakakā ʻana e hoʻokō i nā hopena.
ʻOkoʻa ka manaʻo o ka poʻe akamai i ka nui pololei, akā ʻo ka ʻae ʻana ʻo ia ka lawa ʻana o kāu koena e hoʻokō ai i nā kuleana kālā ʻē aʻe ma hope o kāu uku ʻana i kāu hōʻaiʻē moraki. No laila he aha ka pakeneka o kāu loaʻa kālā i kēlā me kēia mahina āu e hoʻolaʻa ai i kāu moraki? E ʻike hou aku kākou.
Nui nā mea hāʻawi kālā a me nā loea moraki e pili ana i ka palena 28%, ʻo ia hoʻi, ʻaʻole pono e ʻoi aku ka uku o ka moraki i kēlā me kēia mahina ma mua o 28% o kāu loaʻa kālā o kēlā me kēia mahina a i ʻole ka nui āu e loaʻa ai ma mua o ka ʻauhau. Hoʻokomo kēia pākēneka iā ʻoe ma lalo o ka paepae koʻikoʻi o ka moraki 30%.
E like me ka laʻana, ʻo ka loaʻa kālā median o kēlā me kēia pule o ka poʻe mākua hana manawa piha ma Australia he $1.714, e like me nā helu i hoʻoponopono ʻia i ka manawa mai Mei i hala mai ka Australian Bureau of Statistics (ABS). No ka loaʻa ʻana o ka loaʻa kālā median o kēlā me kēia mahina, pono mākou e hoʻonui i kēia helu me ʻehā - ka helu o nā pule o ka mahina - a laila hoʻonui i ka huahana me 0,28 e loaʻa ai ka palena 28% a me 0,3 e ʻike ai i ka paepae koʻikoʻi o ka moraki.
ʻAiʻe i ka Laki Loaʻa
Hoʻohana kēlā me kēia mea hōʻaiʻē i nā alakaʻi ʻokoʻa e helu ai i ka nui o ka moraki hiki iā ʻoe ke loaʻa me kāu loaʻa kālā, akā hāʻawi ka hapa nui o nā mea hāʻawi kālā i nā moraki i uku nui ʻia e mālama ai i ka poʻe ʻaiʻē i ka aie no nā makahiki.
ʻO kēlā palena he 25% e pili ana i ke poʻo, ka ukupanee, nā ʻauhau waiwai, ka ʻinikua o nā mea hale, ka ʻinikua moraki pilikino (PMI), a mai poina i ka helu ʻana i nā uku no ka hui ʻana o ka hale (HOA). Nui nā ʻano hoʻololi.
Hoʻohana pinepine nā mea hāʻawi kālā i ka lula 28/36 ma ke ʻano he hōʻailona o ka DTI olakino, ʻo ia hoʻi, ʻaʻole ʻoe e hoʻolilo ʻoi aku ma mua o 28% o kāu loaʻa kālā o kēlā me kēia mahina ma nā uku moraki a ʻaʻole ʻoi aku ma mua o 36% ma ka huina o nā uku aie (me ka moraki, ka hōʻaiʻē haumāna, hōʻaiʻē kaʻa, a ʻaiʻē kāleka hōʻaiʻē).
Inā ʻoi aku ka kiʻekiʻe o kāu ratio DTI ma mua o ka lula 28/36, e ʻae nō kekahi mau mea hāʻawi kālā e ʻae iā ʻoe no ke kālā. Akā, e uku lākou iā ʻoe i nā uku pānaʻi kiʻekiʻe a hoʻohui i nā uku hou aku, e like me ka ʻinikua moraki, no ka pale ʻana iā lākou iho (ʻaʻole ʻoe) inā ʻike ʻoe iā ʻoe iho i ke kaumaha a hiki ʻole ke uku i kāu moraki.
No nā makahiki he mau makahiki, ua haʻi aku ʻo Dave Ramsey i nā mea hoʻolohe lekiō e hahai i ke kānāwai 25% i ke kūʻai ʻana i hale; E hoʻomanaʻo, ʻaʻole pono ʻoe e kūʻai i hale me kahi moraki mahina ʻoi aku ma mua o 25% o kāu uku mahina.
helu moraki
Loaʻa iā mākou ka uku mai kekahi mau hoa hana i hōʻike ʻia ma kēia ʻaoʻao. ʻAʻole mākou i loiloi i nā huahana āpau a i ʻole nā hāʻawi. Hiki i ka uku ke hoʻololi i ke ʻano i hōʻike ʻia ai nā makana ma ka ʻaoʻao, akā ʻaʻole pili ʻia kā mākou mau manaʻo hoʻoponopono a me nā loiloi e ka uku.
Nui a i ʻole nā huahana āpau i hōʻike ʻia ma ʻaneʻi mai kā mākou mau hoa hana e uku iā mākou i ke kōmike. ʻO kēia ke ʻano o ka loaʻa kālā. Akā ʻo kā mākou pono hoʻoponopono e hōʻoia ʻaʻole i hoʻopili ʻia nā manaʻo o kā mākou poʻe loea e ka uku. Pili paha nā ʻōlelo i nā makana e hōʻike ʻia ana ma kēia ʻaoʻao.
He hana nui ke kūʻai ʻana i hale. He mea nui e kūʻai i hale āu a me kou ʻohana i makemake ai, a he mea nui hoʻi e hōʻoia i hiki iā ʻoe ke uku i ka moraki. ʻEhia ka nui o kāu e hoʻolilo ai ma kahi home e hilinaʻi ʻia i ka nui o kāu hōʻaiʻē a me ka uku moraki āu i hoʻonohonoho ai, a me nā lilo ʻē aʻe e like me ka ʻauhau waiwai, ʻinikua, a i kekahi manawa nā uku o ka hui ʻana o nā mea hale. Maʻaneʻi e kōkua mākou iāʻoe e hana i ka hoʻoholo kālā kūpono a pehea e pane ai i ka nīnau, "Ehia ka hale e hiki iaʻu ke loaʻa?"
