Helu helu pii
Ma ke kumu o ka hoʻoponopono ʻana i nā kumukūʻai hale, ka hoʻopaʻa ʻana i nā kūlana hōʻaiʻē a me ka emi ʻana o ke koena o nā hale i kūʻai ʻole ʻia, ʻo ka awelika o ka huina kālā ma nā moraki paʻa paʻa 30 mau makahiki ua kokoke i nā haʻahaʻa haʻahaʻa mai 2013 a 2021, akā ua hoʻomaka e piʻi i 2022, ʻoiai. aia nō ia ma nā pae haʻahaʻa kahiko.
ʻO ka piʻi ʻana o ka uku pānaʻi moraki ʻaʻole ia he mea e makaʻu ai a ʻo ka ʻike o ke kumuhana e hōʻoluʻolu i ka hopohopo o ka poʻe komo ma ka mākeke hale. He mea nui ka hoʻomaopopo ʻana o ka poʻe komo i ka mākeke hale i ka piʻi ʻana o ka uku moraki no ka mea e pili ana lākou i nā mea āpau o ke kūʻai hale.
Mai ka manaʻo o ka mea kūʻai hale, i ka wā e piʻi ai ka uku moraki, e iho ana ka affordability. Ma ka laʻana ma luna, makemake ʻo Johnny, ka mea kūʻai hale, e loaʻa kahi moraki $400.000 ma 4% ukupanee, akā ma ka 5% ukupanee, hiki i nā mea hāʻawi kālā ke hāʻawi iā ia i kahi hōʻaiʻē $355.000 e pili ana i kāna mau ʻike. ʻO ka hoʻonui 1% o ka ukupanee moraki e hōʻemi ana i ka mana kūʻai o Juanito e $45.000.
Akā, i mea e ʻoluʻolu ai i ka ʻaelike, ua hāʻawi ka mea hāʻawi kālā haʻahaʻa iā Juanito i ka uku panee hoʻololi o 2% no nā makahiki ʻelima mua. Eia naʻe, ma hope o ʻelima mau makahiki, pono e uku ʻo Juanito ma kahi o 7% o ka ukupanee, a ʻoi aku paha inā piʻi ka uku panee.
E piʻi anei kaʻu moraki?
ʻO ka moraki kahi hōʻaiʻē lōʻihi i hoʻolālā ʻia e kōkua iā ʻoe e kūʻai i home. Ma waho aʻe o ka uku ʻana i ke kumupaʻa, pono ʻoe e uku i ka ukupanee i ka mea hāʻawi. ʻO ka hale a me ka ʻāina e hoʻopuni ana iā ia he mea paʻa. Akā inā makemake ʻoe e loaʻa kahi home, pono ʻoe e ʻike ma mua o kēia mau mea maʻamau. Pili pū kēia manaʻo i ka ʻoihana, ʻoi aku ka nui o nā kumukūʻai paʻa a me nā wahi pani.
ʻAneʻane loaʻa ka moraki ka poʻe kūʻai hale. Ua ʻōlelo pinepine ʻia nā kumukūʻai moraki ma ka nūhou ahiahi, a ʻo ka manaʻo ʻana e pili ana i ka neʻe ʻana o nā kumukūʻai kuhikuhi ua lilo ia i mea maʻamau o ka moʻomeheu kālā.
Ua puka mai ka moraki hou i ka makahiki 1934, i ka wa i hana ai ke aupuni - e kokua i ka aina ma o ke Kaumaha Nui - i ka papahana moraki e hoemi ana i ka uku mua e pono ai no ka hale ma o ka hoonui ana i ka nui o na mea nona ka hale e aie ai. Ma mua o kēlā, koi ʻia kahi 50% uku.
I ka makahiki 2022, makemake ʻia ka uku hoʻohaʻahaʻa he 20%, ʻoiai inā ʻoi aku ka liʻiliʻi o ka uku haʻahaʻa ma mua o 20%, pono ʻoe e lawe i kahi ʻinikua moraki pilikino (PMI), e hoʻonui ai i kāu uku mahina. Eia naʻe, ʻaʻole hiki ke loaʻa ka mea i makemake ʻia. Aia nā papahana moraki e ʻae i nā uku haʻahaʻa haʻahaʻa, akā inā hiki iā ʻoe ke loaʻa i kēlā 20%, pono ʻoe.
Helu helu uku panee moraki
Hoʻohou: Ua hoʻokiʻekiʻe ka Bank of Canada (BoC) i kāna kumukūʻai benchmark no ka manawa ʻelua i kēia makahiki, i 1% mai 0,75%. ʻO ka neʻe ʻana ma hope o ka hoʻonui like ʻana i Iulai, i ka wā i hoʻonui ai ka Bank i nā kumukūʻai mai 0,5% a i 0,75%.
Ua hui pū ʻo Global News me ka paena hoʻohālikelike helu RateHub e hāʻawi i kahi helu helu e hōʻike iā ʻoe pehea e loli ai kāu uku moraki i kēlā me kēia mahina ke piʻi aʻe ka uku ukupanee. E ʻike i nā kuhikuhi hoʻohana ma lalo nei. (No nā mea hana moraki hou aʻe, hiki iā ʻoe ke kipa i ka RateHub.ca's Mortgage Payment Calculator a i ʻole Mortgage Affordability Calculator): He aha kāu e ʻike ai e pili ana i nā moraki inā piʻi ka uku panee.
Pehea e hana ai Nā ʻōlelo kuhikuhi nui: No ka hoʻohana ʻana i kēia calculator pono ʻoe e ʻike i kāu uku paneʻe o kēia manawa, ka manawa amortization, ka nui o ka moraki a me ke alapine o ka uku ʻana. Ma Kanada, ʻo ka hapa nui o nā moraki he 25 mau makahiki amortization. He ʻokoʻa kēia mai ka manawa moraki, ʻo ia ka lōʻihi o ka manawa āu e hoʻopaʻa ai i kahi uku pānaʻi kikoʻī, mea hāʻawi, a me nā ʻōlelo hōʻaiʻē. ʻO ka manawa maʻamau o kahi moraki ma Kanada he 5 mau makahiki. Ka uku pinepine: ʻO ka hapa nui o nā poʻe e uku i kā lākou moraki i hoʻokahi mahina. ʻO ka "Semi-makahiki" ʻo ia ka uku ʻelua i ka mahina, no ka huina o 24 mau uku makahiki. "Biweekly" 'o ia ho'i, e uku 'ia i kēlā me kēia 'elua pule, 'o ia ka huina o 26 mau uku i kēlā me kēia makahiki. "Hoʻonui ʻia i kēlā me kēia pule" ʻo ia ka mea e uku ʻoe i ka nui like āu e makemake ai me kahi koho semi-mahina, akā e hana i 26 mau uku i ka makahiki ma mua o 24, e ʻae iā ʻoe e uku wikiwiki i kāu moraki a mālama i ka ukupanee.
E hoʻonui i ka helu moraki
* Hiki ke hoʻopaʻa ʻia nā kelepona no ka mana a me ka hoʻomaʻamaʻa ʻana. ʻO nā kumukūʻai no nā kelepona i nā helu 03 e like me nā kelepona i nā helu ʻāina maʻamau o UK e hoʻomaka ana me 01 a i ʻole 02 a ua hoʻokomo pū ʻia i loko o ka minuke a me nā pūʻolo kelepona ʻole.
E ʻoluʻolu e lawe kēia loulou iā ʻoe i kahi pūnaewele i mālama ʻia e kekahi hui ʻē aʻe. ʻAʻohe o mākou mana i ka ʻike o nā pūnaewele waho a ʻaʻole hiki iā mākou ke ʻae i kekahi kuleana no ka mea ma ia mau pūnaewele. E ʻae a hoʻomau
