Ke ano o ka moraki
He mea paʻakikī ka hoʻomaopopo ʻana i nā kumukūʻai pani. E hāʻawi mākou iā ʻoe i kahi ʻike o nā mea āpau e pono ai ʻoe e ʻike e pili ana i ka pani ʻana i nā kumukūʻai ma mua o kou hoʻopau ʻana i kāu hōʻaiʻē. E hāʻawi pū mākou iā ʻoe i kekahi mau ʻōlelo aʻoaʻo hiki iā ʻoe ke hoʻohana e kaupalena i kāu mea e uku ai.
ʻO nā koina pani nā uku hana āu e uku ai i kāu mea hāʻawi. Hoʻolimalima nā mea hōʻaiʻē i kēia mau uku no ka hoʻomaka ʻana i kāu hōʻaiʻē. Hoʻopili nā koina pani i nā mea e like me ka loiloi home a me ka ʻimi inoa. ʻO nā kumukūʻai pani kikoʻī āu e uku ai ma muli o ke ʻano o ka hōʻaiʻē āu e lawe ai a me kahi āu e noho ai.
ʻAʻole hoʻokomo nā koina pani i ka uku hoʻohaʻahaʻa akā hiki ke kūkākūkā ʻia. Hiki i ka mea kūʻai aku ke uku i kekahi a i ʻole nā koina pani. E ʻoluʻolu e hilinaʻi nui kou mana kālepa i ke ʻano o ka mākeke āu e noho nei.
Uku nā mea kūʻai a me nā mea kūʻai aku i nā koina pani. Eia naʻe, uku pinepine ka mea kūʻai aku i ka hapa nui o lākou. Hiki iā ʻoe ke kūkākūkā me ka mea kūʻai aku e kōkua i ka uhi ʻana i nā kumukūʻai pani, i kapa ʻia ʻo nā mea kūʻai aku. Hiki ke kōkua nui nā ʻae a ka mea kūʻai aku inā manaʻo ʻoe e pilikia ana ʻoe e hoʻonui i ke kālā āu e pono ai no ka pani ʻana. Aia nā palena i ka nui o nā mea kūʻai aku e hāʻawi aku i nā koina pani. Hiki i nā mea kūʻai aku ke hāʻawi wale aku i kahi pākēneka o ke kumukūʻai moraki, e like me ke ʻano o ka hōʻaiʻē, ka noho ʻana, a me ka uku ʻana. Eia kahi wehewehe:
Helu moraki o Kaleponi
ʻO ke kūʻai ʻana i kahi waiwai me ka moraki ʻo ia ka hoʻopukapuka pilikino koʻikoʻi nui i hana ʻia e ka poʻe. ʻEhia ka nui āu e hiki ai ke hōʻaiʻē ma muli o nā kumu he nui, ʻaʻole wale ka nui o kahi panakō e makemake e hāʻawi iā ʻoe. Pono ʻoe e loiloi ʻaʻole wale i kāu kālā, akā i kāu mau makemake a me nā mea nui.
Ma keʻano laulā, hiki i ka hapa nui o nā mea hale ke hoʻolimalima i kahi home me kahi moraki ma waena o ʻelua a ʻelua a me ka hapa manawa i kā lākou loaʻa kālā makahiki. Wahi a kēia kumu, hiki i ke kanaka loaʻa $100.000 i ka makahiki ke loaʻa i kahi moraki ma waena o $200.000 a me $250.000. Eia naʻe, ʻo kēia helu ʻana he alakaʻi maʻamau wale nō.
ʻO ka hope loa, i ka wā e hoʻoholo ai i kahi waiwai, pono e noʻonoʻo ʻia nā kumu hou aʻe. ʻO ka mea mua, kōkua ia e ʻike i ka manaʻo o ka mea hāʻawi kālā hiki iā ʻoe ke loaʻa (a pehea lākou i hiki ai i kēlā kuhi). ʻO ka lua, pono ʻoe e noʻonoʻo pono iā ʻoe iho a ʻike i ke ʻano o ka hale āu e makemake ai e noho inā e hoʻolālā ʻoe e hana pēlā no ka manawa lōʻihi a me nā ʻano ʻai ʻē aʻe āu e makemake ai e haʻalele - a ʻaʻole paha - e noho ai. kou home.
Helu moraki ma Kelemania
ʻO ka nui a i ʻole nā haʻawina āpau ma kēia pūnaewele mai nā hui i uku ʻia ai nā Insiders (no ka papa inoa piha, ʻike maanei). Hiki i nā manaʻo hoʻolaha ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kēia pūnaewele (me ka laʻana, ke ʻano o ka ʻike ʻia ʻana), akā ʻaʻole pili i nā hoʻoholo hoʻoponopono, e like me nā huahana a mākou e kākau ai a pehea mākou e loiloi ai. Ke noiʻi nei ʻo Personal Finance Insider i kahi ākea ākea i ka wā e hana ai i nā ʻōlelo paipai; akā naʻe, ʻaʻole mākou e hōʻoiaʻiʻo i kēlā ʻike e hōʻike ana i nā huahana āpau a i ʻole nā haʻawina i loaʻa ma ka mākeke.
Kākau ʻo Personal Finance Insider e pili ana i nā huahana, nā hoʻolālā, a me nā ʻōlelo aʻoaʻo e kōkua iā ʻoe e hana i nā hoʻoholo akamai me kāu kālā. Hiki iā mākou ke loaʻa i kahi komisina liʻiliʻi mai kā mākou mau hoa, e like me American Express, akā kūʻokoʻa mau kā mākou hōʻike a me kā mākou ʻōlelo paipai. Pili nā huaʻōlelo i nā hāʻawi i hōʻike ʻia ma kēia ʻaoʻao. E heluhelu i kā mākou alakaʻi hoʻoponopono.
13% (e like me ka National Association of Realtors) e hoʻoholo i ka nui o ka hōʻaiʻē. Ua hoʻohana pū ʻia ka ʻikepili Freddie Mac no ka ʻimi ʻana i nā kumukūʻai moraki ma waena o 30-makahiki a me 15-makahiki mau moraki i ka hapaha mua o 2022: 3,82% a me 3,04%, kēlā me kēia.
Uku moraki - deutsch
Hiki i kā mākou helu moraki ke kōkua iā ʻoe e koho i kāu uku moraki i kēlā me kēia mahina. Hoʻohālikelike kēia helu helu i ka nui āu e uku ai no ke kumu a me ka ukupanee. Hiki iā ʻoe ke koho e hoʻokomo i ka ʻauhau a me ka ʻinikua ma kēia kuhi uku.
E hoʻomaka ma ka helu ʻana i ke kumukūʻai o ka home, ka nui o ka uku, ka manawa hōʻaiʻē, ka uku panee, a me kahi. Inā makemake ʻoe i kāu kuhi uku e hoʻokomo i nā ʻauhau a me ka ʻinikua, hiki iā ʻoe ke hoʻokomo i kēlā ʻike iā ʻoe iho, a i ʻole e koho mākou i nā kumukūʻai e pili ana i ke kūlana o ka home. A laila kaomi iā 'Calculate' e ʻike i ke ʻano o kāu uku mahina ma muli o nā kiʻi āu i hāʻawi ai.
Inā hoʻohui ʻoe i nā ʻikepili like ʻole i ka helu moraki, e ʻike ʻoe i ka loli ʻana o kāu uku mahina. E ʻoluʻolu e hoʻāʻo me nā ʻano uku hoʻohaʻahaʻa like ʻole, nā ʻōlelo hōʻaiʻē, nā uku ukupanee, a me nā mea ʻē aʻe e ʻike i kāu mau koho.
ʻO ka uku hoʻohaʻahaʻa o 20% a ʻoi aku paha e loaʻa iā ʻoe ka uku ukupanee maikaʻi loa a me nā koho hōʻaiʻē. Akā ʻaʻole pono e hāʻawi i kahi 20% i lalo e kūʻai i hale. Aia nā ʻano koho uku haʻahaʻa i loaʻa i ka poʻe kūʻai hale. Hiki iā ʻoe ke kūʻai i hale me ka liʻiliʻi he 3% o ka uku, ʻoiai aia kekahi mau papahana hōʻaiʻē (e like me VA a me USDA loans) ʻaʻole koi i ka uku hoʻohaʻahaʻa.
