ʻEhia ke kumukūʻai ʻinikua moraki no kahi hale o 200.000 euros
Hāʻawi kēia hāmeʻa iā ʻoe e helu i kāu uku hōʻaiʻē moraki i kēlā me kēia mahina, me ka hoʻohana ʻana i nā huaʻōlelo like ʻole, ka uku ukupanee, a me ka nui o ka hōʻaiʻē. Loaʻa iā ia nā hiʻohiʻona kiʻekiʻe e like me nā papa amortization a me ka hiki ke helu i kahi hōʻaiʻē e pili ana i ka ʻauhau waiwai, ka ʻinikua hale, a me ka ʻinikua moraki ma ka waiwai.
ʻAʻole koi ʻia ka ʻikepili pilikino e nānā i nā hopena ma ka pūnaewele a hoʻohana wale ʻia nā leka uila e hoʻouna i nā hōʻike i noi ʻia. ʻAʻole mākou mālama i nā kope o nā PDF i hana ʻia a hoʻolei koke ʻia kāu leka uila a me ka helu ʻana ma hope o ka waiho ʻia ʻana o ka hōʻike. Mālama nā ʻaoʻao āpau ma kēia pūnaewele i ka pilikino o ka mea hoʻohana me ka ʻenehana socket paʻa.
ʻO ka ʻike ʻana inā hiki iā ʻoe ke kūʻai i hale e ʻoi aku ka nui ma mua o ka loaʻa ʻana o kahi home ma kahi pae kumu kūʻai. Inā ʻaʻole ʻoe he ʻohana lokomaikaʻi - a waiwai - makemake e hāʻawi iā ʻoe i ke kumukūʻai piha o ka hale a ʻae iā ʻoe e uku me ka uku ʻole, ʻaʻole hiki iā ʻoe ke puʻunaue wale i ke kumukūʻai o ka hale me ka helu o nā mahina āu. e hoʻolālā e uku a loaʻa ka uku o ka hōʻaiʻē. Hiki ke hoʻonui ka ukupanee i ʻumi kaukani kālā i ka huina kālā āu e uku ai, a i nā makahiki mua o kāu hōʻaiʻē, ʻo ka hapa nui o kāu uku he ukupanee.
$200 uku moraki ma luna o 000 makahiki
Hoʻopili ʻia nā haʻawina me kā mākou helu moraki pūnaewele, hiki iā ʻoe ke hoʻohana iā ʻoe iho, a i ʻole me nā papa i hōʻike ʻia ma lalo nei no ka hoʻokaʻawale ʻana o kahi hōʻaiʻē o 200.000 euros. Ua māhele ʻia i ka lōʻihi o ka hōʻaiʻē a me ka uku panee āu e uku ai.
Aia nā waiwai a pau i nā paona sterling no nā makahiki i hōʻike ʻia. ʻO ke kumukūʻai i hōʻike ʻia ʻo ia ka uku o kēlā me kēia mahina o kāu moraki £200.000. E nānā i kā mākou moraki helu no ka ʻike ʻana i nā ʻano like ʻole, ka huina kālā āu e uku ai i ke ola o ka hōʻaiʻē, a me ka huina o ka ukupanee i uku ʻia.
ʻO nā kumu āu e makemake ai i kahi moraki €200.000, e ʻoluʻolu e ʻimi i ka ʻōlelo aʻoaʻo ʻoihana mai kahi mea hoʻolimalima moraki a i ʻole kākāʻōlelo kālā kūʻokoʻa. Hiki iā lākou ke kōkua iā ʻoe e ʻimi i ka huahana kūpono, inā he moraki paʻa, hahai a hoʻopau paha, e kūpono i kou kūlana.
Pono ka loaʻa kālā no kahi moraki o 200 tausani
ʻO nā moraki nā mea hana panakō e hiki ai i nā mea hoʻohana he nui ke loaʻa kālā kūpono. Inā makemake ʻia, e loaʻa i ka mea pōmaikaʻi ka waiwai paʻa, akā e koi ʻia nō hoʻi e hoʻihoʻi i ka huina kālā i noi ʻia i ka panakō i loko o kekahi manawa.
I kēia manawa, aia kekahi hana i hoʻopōmaikaʻi ʻia i nā kānaka he nui: ʻo ia ka moraki $200.000, e uku ʻia paha ka uku mua o kēlā hale moe. Akā, ʻo ka nīnau ma ʻaneʻi, he aha ka uku o ka mahina ma kahi moraki $200,000?
ʻO ka mea mua āu e ʻike ai, ʻo ka nui o ka moraki mai ke kumukūʻai o ka home āu e makemake ai e kūʻai. Eia kekahi, i ka hoʻopaʻa ʻana, e kau ʻoe i kahi uku mua e uhi i kahi hapa maikaʻi o ka huina kālā o ka hale.
Inā ua loaʻa iā ʻoe he $200.000 mai ka panakō ma ke ʻano he moraki, pono ʻoe e hoʻihoʻi i kēlā kālā no kahi manawa a hiki i 30 mau makahiki. Eia nō naʻe, hiki iā ʻoe ke kūʻai i kahi hoʻolālā hōʻaiʻē hiki iā ʻoe ke uku i nā makahiki 15.
Akā ma mua o kou hoʻomaka ʻana i ke kaʻina noi, pono ʻoe e ʻike inā hiki iā ʻoe ke loaʻa ka mea i kapa ʻia ʻo pre-approval. Ma o ia mea, e ʻike lākou inā aia ʻoe i ke kūlana waiwai e uku i ka nui i noi ʻia.
$200.000 moraki 15 makahiki
Ua hana mākou i kekahi mau helu helu e hōʻike iā ʻoe i ke ʻano o ka loaʻa kālā e hiki ai iā ʻoe ke ʻae ʻia no kahi moraki $200.000. E hoʻomanaʻo he mau laʻana wale nō kēia a ʻokoʻa kou kūlana. Akā hiki iā ʻoe ke hoʻohana i nā kiʻi ma ke ʻano he kuhikuhi maʻamau.
E hoʻomanaʻo i kēia mau hiʻohiʻona e manaʻo nei i kahi lakene aie-i-loaʻa o 36%. Nui nā mea hāʻawi kālā e ʻae i ka poʻe hōʻaiʻē me kahi DTI kiʻekiʻe e like me 43% - no laila inā he haʻahaʻa kāu uku, hiki iā ʻoe ke kūpono no kahi moraki i ʻoi aku ka nui ma mua o $200K.
ʻOiaʻiʻo, e noʻonoʻo ka poʻe hāʻawi moraki i kāu loaʻa kālā i ka wā e hoʻoholo ai i ka nui (inā loaʻa paha) makemake lākou e hāʻawi iā ʻoe. Akā ʻo ka loaʻa kālā kekahi o ka papa inoa lōʻihi o nā kumu e noʻonoʻo ai ka poʻe hāʻawi kālā i ka wā e ʻae ai i ka nui o kāu hōʻaiʻē moraki.
ʻAʻole pono ka hemolele ma kēia mau ʻano āpau e loaʻa ai kahi hōʻaiʻē moraki. Akā ʻo ka hoʻomaikaʻi ʻana i hoʻokahi ʻāpana o kāu kālā (e like me ka hōʻaiʻē a i ʻole ka uku hoʻohaʻahaʻa) hiki ke kōkua i kahi ʻano nāwaliwali (e like me ka loaʻa kālā haʻahaʻa).
No ka laʻana, e ʻōlelo mākou makemake ʻoe e kūʻai i hale $250.000. Me ka 3% uku hoʻohaʻahaʻa, ʻo ka nui o ka hōʻaiʻē he $242.500 a ʻo ke kumu o ka mahina a me ka uku ukupanee ma kahi o $1.100 (e manaʻo ʻia he 3,5%).
