Helu helu moraki
E helu i ka uku mahina o kahi moraki $130.000 ma muli o ka nui o ka hōʻaiʻē, ka uku panee a me ka lōʻihi o ka hōʻaiʻē. Manaʻo ʻo ia i kahi moraki me ka uku panee paʻa, ma kahi o ka hoʻololi, balloon a i ʻole ARM. E unuhi i ka uku mua no ka loaʻa ʻana o ka nui o ka hōʻaiʻē.
He aha ka uku mahina no kahi hōʻaiʻē $130.000? ʻehia? He aha nā kumukūʻai? Hiki ke hoʻohana ʻia ka helu helu no ka helu ʻana i ka uku no kēlā me kēia ʻano o ka hōʻaiʻē, e like me ka waiwai paʻa, kaʻa, kaʻa kaʻa, home, hoʻohui ʻaiʻē, hoʻohui ʻaiʻē kāleka hōʻaiʻē, hōʻaiʻē haumāna a hōʻaiʻē ʻoihana. E hoʻomanaʻo hoʻi i ka helu ʻana i nā koina home ʻē aʻe e like me ka inikua, ʻauhau, PMI a me nā koina mālama maʻamau.
ʻO ka moraki ma luna o 340 tausani kālā
Inā ʻoe e noʻonoʻo inā ʻae ʻoe i kahi moraki £130.000, ʻoi aku ka maikaʻi o ka nīnau ʻana i kahi loea nāna e helu i kou hiki ke hoʻopaʻa ʻia no ʻoe, akā maopopo mākou he mea nui iā ʻoe e ʻike i ka mea e pili ana i kou manawa e ʻae ʻia a me kāu mea e hiki ai. e kōkua iā ʻoe iho. Ua wehewehe kēia alakaʻi i ka nui o kahi waihona āu e pono ai no kahi moraki £130.000, a me ke ʻano o ka hōʻaiʻē maikaʻi ʻole a me ke ʻano o ka moraki āu e noi nei e hoʻololi i ka nui o kahi waihona e koi ai iā ʻoe. e kau . Pehea e pili ai kaʻu loaʻa kālā i kahi moraki £130.000? Inā noi ʻoe i kahi moraki £130.000 iā ʻoe iho, pono ka mea nāna e hāʻawi aku e ʻike i nā hōʻike, ma ke ʻano o nā ʻōlelo panakō, nā palapala uku a i ʻole nā ʻauhau ʻauhau, hiki iā ʻoe ke uku i ka moraki, a me: ʻO ka hapa nui o nā mea hāʻawi kālā e nānā pono i ʻO nā kumu i luna e hoʻoholo ai i kou hiki ke uku no ka moraki āu e noi nei a hiki paha ke hoʻoikaika i ka Test
130.000 moraki i loko o 15 makahiki
Inā kūʻai ʻoe i home, ʻo ka nui o ka moraki ka mea maʻamau i ke kumu kūʻai i hoʻemi ʻia ka uku. Inā ʻoe e hoʻohou i kahi moraki e kū nei, ʻo ia ke kapikala āu e ʻaiʻē ai ma hope o ke kau hope o ka moraki.
ʻO ka manawa amortization ka manawa e uku ai i ka moraki holoʻokoʻa, me ka ukupanee. ʻO ka manawa amortization hiki ke piʻi i 25 mau makahiki inā hoʻopaʻa ʻia ka moraki me ka paʻa ʻole, a hiki i 30 mau makahiki inā ʻaʻole. No ka moraki hou, he 25 makahiki ka manawa amortization.
Hiki iā ʻoe ke uku mua i kāu moraki ma mua o ka pau ʻana o ke kau. ʻO ka hapa nui o nā moraki i pani ʻia e ʻae iā ʻoe e hana i nā uku mua makahiki o 10% a i 20% me ka uku ʻole. Hiki ke uku ʻia ka hapa nui o nā moraki wehe me ka uku ʻole o ka uku mua. E nānā i nā kikoʻī ma kāu palapala moraki.
Inā loaʻa ke kino kīnā, maʻi koʻikoʻi, nele i ka hana, a i ʻole make, hiki i ka ʻinikua ʻaiʻē ke kōkua iā ʻoe e uku i kāu aie a i ʻole e hōʻemi i kāu koena, a i ʻole e uhi i kekahi mau uku. He mea koho ka 'inikua aie ma na moraki.
Mālama ka ʻinikua moraki i kāu mea hāʻawi inā ʻaʻole hiki iā ʻoe ke uku i kāu hōʻaiʻē moraki. Pono ʻoe i kēia ʻinikua inā loaʻa iā ʻoe kahi moraki kiʻekiʻe, a ua hoʻohui pinepine ʻia i ke kumu o kāu moraki. ʻO ka moraki ka mea kiʻekiʻe i ka wā i emi iho ai ka uku ma lalo o 20% o ka waiwai o ka waiwai.
Pehea e uku ai i kahi moraki $130.000 i 5 makahiki
Inā ʻoe e noʻonoʻo inā ʻae ʻoe i kahi moraki £130.000, ʻoi aku ka maikaʻi o ka nīnau ʻana i kahi loea nāna e helu i kou hiki ke hoʻopaʻa ʻia no ʻoe, akā maopopo mākou he mea nui ʻoe e ʻike i ka mea e pili ana i kou manawa o ka ʻae ʻia a me kāu mea e hana ai. E kōkua kēia alakaʻi iā ʻoe iho i ka nui o kahi waihona āu e pono ai no kahi moraki £130.000, a me ke ʻano o ka hōʻaiʻē maikaʻi ʻole a me ke ʻano o ka moraki āu e noi nei hiki ke hoʻololi i ka nui o kahi waihona e koi ai iā ʻoe e waiho. . Pehea e pili ai kaʻu loaʻa kālā i kahi moraki £130.000? Inā noi ʻoe i kahi moraki £130.000 iā ʻoe iho, pono ka mea nāna e hāʻawi aku e ʻike i nā hōʻike, ma ke ʻano o nā ʻōlelo panakō, nā palapala uku a i ʻole nā ʻauhau ʻauhau, hiki iā ʻoe ke uku i ka moraki, a me: ʻO ka hapa nui o nā mea hāʻawi kālā e nānā pono i nā mea i luna e hoʻoholo ai i kou hiki ke loaʻa no ka moraki āu e noi nei a e hoʻoikaika paha i ka Test
