uku moraki
E ʻike i ka nui āu e hiki ai ke uku no kahi home me kā mākou moraki affordability calculator. E kiʻi i kahi kuhi o ke kumu kūʻai home a me ka uku moraki ma muli o kāu loaʻa kālā, ka ʻaiʻē o kēlā me kēia mahina, ka uku ʻana a me ka wahi.
Inā loaʻa iā ʻoe ke kālā no kou home, e uku hou ʻoe ma mua o ka nui āu i ʻaiʻē ai, no ka mea, ʻo ka nui āu e uku ai e hoʻoholo ʻia e nā kumu he nui, e like me ka ukupanee a me ka nui o ka hōʻaiʻē. ʻO kēia kekahi mau huaʻōlelo e pono ai ʻoe e hoʻomaopopo. Uku Uku Uku Uku Uku Origination Uku Manawa Loan E hoomanao oe he hapa wale no ka uku panee o ka moolelo. Hōʻike ʻia ke kumukūʻai o ka moraki i ka uku paneʻe, nā helu hoʻemi, nā komisina a me nā kumukūʻai wehe. ʻIke ʻia kēia kumukūʻai ʻo ka Annual Percentage Rate (APR), ʻoi aku ka nui ma mua o ka uku panee. ʻAe ka APR iā ʻoe e hoʻohālikelike i nā moraki o ka nui like i nā kālā me ka noʻonoʻo ʻana i kā lākou kumukūʻai makahiki. Uku moraki mahina He ʻehā mau ʻāpana ka uku o ka moraki o kēlā me kēia mahina: Ma muli o ka wahi o kāu waiwai, ke ʻano o ka waiwai a me ka nui o ka hōʻaiʻē, hiki iā ʻoe ke loaʻa nā kālā ʻē aʻe i kēlā me kēia mahina a i ʻole makahiki e like me ka ʻinikua moraki, ka ʻinikua wai a i ʻole nā uku a nā mea hale. . Video - Nā ʻāpana o kahi uku moraki E nānā i kēia wikiō e hoʻomaopopo i ke ʻano o ka uku moraki maʻamau - ke kumu, ka ukupanee, nā ʻauhau, a me ka ʻinikua - a pehea lākou e hoʻololi ai i ke ola o ka hōʻaiʻē. E nānā i nā kumukūʻai o kēia manawa.
Helu helu no ka moraki
ʻO ka moraki kahi hōʻaiʻē i hoʻopaʻa ʻia e ka waiwai, maʻamau ka waiwai paʻa. Hoʻomaopopo ka poʻe hāʻawi kālā i ke kālā i hōʻaiʻē ʻia e uku no ka waiwai paʻa. ʻO ka mea nui, kōkua ka mea hāʻawi i ka mea kūʻai aku e uku i ka mea kūʻai aku i kahi home, a ʻae ka mea kūʻai aku e hoʻihoʻi i ke kālā i hōʻaiʻē ʻia no kekahi manawa, maʻamau 15 a i ʻole 30 mau makahiki ma US. hāʻawi kālā. Ua kapa ʻia kekahi hapa o ka uku o kēlā me kēia mahina ʻo ke kumupaʻa, ʻo ia ka huina kumu i ʻaiʻē ʻia. ʻO ka ʻāpana ʻē aʻe he ukupanee, ʻo ia ka uku i uku ʻia i ka mea hāʻawi kālā no ka hoʻohana ʻana i ke kālā. Aia paha kahi moʻokāki escrow e uhi i ke kumukūʻai o ka ʻauhau waiwai a me ka ʻinikua. ʻAʻole hiki ke noʻonoʻo ʻia ka mea kūʻai aku ʻo ia ka mea nona ka waiwai i moraki ʻia a hiki i ka wā e uku ʻia ai ka mahina hope loa. Ma ʻAmelika Hui Pū ʻIa, ʻo ka hōʻaiʻē moraki maʻamau ʻo ia ka moraki 30 makahiki maʻamau, e hōʻike ana ma waena o 70% a me 90% o nā moraki āpau. ʻO nā moraki ke ala e hiki ai i ka hapa nui o ka poʻe ke loaʻa kahi home ma ʻAmelika.
ʻO nā uku moraki i kēlā me kēia mahina ka nui o nā kumukūʻai kālā e pili ana i ka noho ʻana o ka home, akā aia kekahi mau kumu koʻikoʻi e noʻonoʻo ai. Hoʻokaʻawale ʻia kēia mau kumukūʻai i ʻelua mau ʻāpana: hoʻihoʻi hou a ʻaʻole hoʻi.
Ka uku panee moraki
Na ka APR (Annual Percentage Rate) e kōkua iā ʻoe e hoʻohālikelike i nā makana moraki like ʻole. Ua pololei nā waiwai APR i hoʻokahi decimal, akā ʻaʻohe decimal i hōʻike ʻia inā he helu holoʻokoʻa ka waiwai. No ka laʻana, e hōʻike ʻia ka 3,0% e like me 3%.
E kiʻi i ka hale 5-hōkū helu ʻia a me ka uhi ʻana mai Defaqto ma ka pane ʻana i kekahi mau nīnau maʻalahi. Hāʻawi kā mākou ʻinikua home iā ʻoe i kahi ākea o nā koho uhi, a me kā mākou lawelawe mea kūʻai aku lanakila, ʻike ʻoe aia ʻoe i nā lima maikaʻi.
Hiki iā ʻoe ke noʻonoʻo e kūʻai i ka ʻinikua ola a i ʻole ke ola a me ka ʻinikua maʻi koʻikoʻi me kāu moraki. Hoʻolālā ʻia kēia mau uhi e hāʻawi i kahi palekana kālā mai ka mea i manaʻo ʻole ʻia. E loaʻa i kāu poʻe aloha ka uku puʻupuʻu i ka wā o kou make ʻana a, ma muli o kāu uhi ʻana, hiki ke loaʻa i kahi uku puʻupuʻu inā loaʻa ʻoe i kahi maʻi koʻikoʻi, hiki ke kōkua i ka uku ʻana i kāu moraki.
helu moraki hale
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.
