helu moraki
ʻO ka moraki i hoʻopaʻa ʻia he moraki helu ʻokoʻa i hoʻopili ʻia me ka uku kumu kūʻai o ka Bank of England, e piʻi a hāʻule paha me ia. E pili ana kēia i kāu mau uku mahina. Loaʻa kā mākou moraki nānā ʻia no ka manawa o 2 mau makahiki.
ʻO kahi moraki e uku ana i ka £ 184.000 ma luna o 35 mau makahiki, i ka manawa mua ma ka uku paʻa no 2 mau makahiki ma 3,19% a laila ma kā mākou helu hoʻololi o kēia manawa o 4,04% (ke lana nei) no nā makahiki he 33 i koe, e koi ʻia he 24 mau mahina o £728,09 a me 395 mahina. nā uku o £815,31, me ka uku hope o £813,59.
Hōʻike kēia i ka pākēneka o ka waiwai o ka waiwai āu e makemake ai e hōʻaiʻē. No ka laʻana, he £100.000 ka waiwai me ka £80.000 moraki e loaʻa iā LTV o 80%. ʻO ka nui o ka loan-to-value ratio a mākou e hāʻawi ai iā ʻoe ma muli o kou kūlana pilikino, ka waiwai, ka hōʻaiʻē āu e koho ai a me ka nui āu e ʻaiʻē ai.
Ua helu ʻia ka ERC ma ke ʻano he 1% o ka nui i uku mua ʻia, ma luna o kēlā me kēia haʻawina uku uku makahiki, no kēlā me kēia makahiki i koe o ka manawa i hoʻohana ʻia ai ka ERC, hoʻemi ʻia i kēlā me kēia lā. Eia naʻe, (ma hope o ka noʻonoʻo ʻana i kāu haʻawina) e uku ʻia ka nui o 5% o kāu overpayment.
Nā ʻano moraki ma UK
ʻO ka helu waena ma kahi moraki paʻa 30 makahiki he 5,27% me kahi APR o 5,28%, e like me Bankrate.com. ʻO ka moraki paʻa 15 mau makahiki he 4,60% me ka APR o 4,63%. Ma kahi moraki jumbo makahiki 30, he 5,20% ka awelika me ka APR o 5,21%. ʻO ka awelika o ka moraki 5/1 ARM he 3,90% me kahi APR o 4,83%.
Ma kahi moraki paʻa 30 makahiki, ʻo ka APR he 5,28%, haʻahaʻa ma mua o ka pule i hala. Aia i loko o ka APR, a i ʻole ka pākēneka makahiki, ka uku panee o kahi hōʻaiʻē a me nā lilo kālā o ia mea. ʻO ia ka huina kālā o ka hōʻaiʻē.
ʻO ka awelika o ka uku paneʻe ma nā moraki jumbo makahiki 30 he 5,20%. ʻO ka pule i hala aku nei, ʻo 5,33% ka awelika. ʻO ka uku pānaʻi paʻa 30-makahiki ma kahi moraki jumbo i kēia manawa ma luna o ka haʻahaʻa haʻahaʻa 52-wiki o 3,03%.
ʻO ka APR, a i ʻole ka pākēneka makahiki, he helu ia e pili ana i ka uku panee a me nā lilo kālā o kahi hōʻaiʻē, i hōʻike ʻia ma ke ʻano he kumu kūʻai makahiki no ke ola o ka hōʻaiʻē. ʻO ia hoʻi, ʻo ia ka huina kālā o ka hōʻaiʻē. Manaʻo ka APR i ka ukupanee, nā komisina a me ka manawa.
Palapala o ka moraki ma ka US
E hoʻohana i kēia mea hana ma ke kaʻina hana kūʻai hale e ʻimi i ka laulā o nā uku ukupanee hiki iā ʻoe ke loaʻa. E ʻike pehea e hoʻopilikia ai kāu helu ʻaiʻē, ʻano hōʻaiʻē, ke kumu kūʻai home, a me ka nui o ka uku hoʻohaʻahaʻa i kāu uku ukupanee. ʻO ka ʻike ʻana i kāu mau koho a me ka mea e manaʻo ai e kōkua i ka loaʻa ʻana o kahi moraki kūpono iā ʻoe. E hoʻihoʻi pinepine: hoʻonui ʻia ka uku paneʻe i ka mea hana i kēlā me kēia Pōʻakolu a me Pōʻalima.
ʻOiai hiki i kekahi poʻe hāʻawi kālā ke hāʻawi aku i 15-makahiki FHA, VA, a i ʻole nā moraki hiki ke hoʻololi ʻia, he kakaikahi lākou. ʻAʻole lawa kā mākou ʻikepili e hōʻike i nā hopena o kēia mau hui. E koho i ka uku paʻa inā makemake ʻoe e hoʻāʻo i kēia mau koho.
Ke mākaukau ʻoe e kūʻai me ka ʻoiaʻiʻo, ʻo ka mea maikaʻi loa āu e hana ai no ka loaʻa ʻana o ka uku paneʻe ʻoi aku ka maikaʻi o kāu moraki, ʻo ia ke kūʻai a puni. Akā inā ʻaʻole ʻoe e hoʻolālā e kūʻai no kekahi mau mahina, nui nā mea e hiki iā ʻoe ke hana e hōʻoia i ka loaʻa ʻana o ka uku maikaʻi ma kāu moraki.
ʻO nā mea hāʻawi kālā i hoʻokomo ʻia i kā mākou ʻikepili he hui o nā panakō nui, nā panakō kūloko a me nā uniona hōʻaiʻē. Hoʻonui ʻia ka ʻikepili i ʻelua pule i kēlā me kēia Pōʻakolu a me ka Pōʻalima ma ka hola 7 o ke kakahiaka. I ka wā hoʻomaha, e hōʻano hou ʻia ka ʻikepili i ka lā ʻoihana e hiki mai ana.
Ka uku panee moraki deutsch
Ke koho ʻana i kahi moraki, mai nānā wale i nā haʻawina o kēlā me kēia mahina. He mea nui e hoʻomaopopo i ka nui o kāu uku pānaʻi e uku ai iā ʻoe, i ka wā e hiki ai ke piʻi aʻe, a me ke ʻano o kāu uku ke uku lākou.
I ka pau ʻana o kēia manawa, e hele ia i ka helu hoʻololi maʻamau (SVR), ke ʻole ia e moraki hou ʻia. ʻOi aku ka kiʻekiʻe o ka uku hoʻololi maʻamau ma mua o ka uku paʻa, hiki ke hoʻohui i ka nui i kāu mau uku mahina.
ʻO ka hapa nui o nā moraki i kēia manawa he "portable", ʻo ia hoʻi, hiki ke hoʻoneʻe ʻia i kahi waiwai hou. Eia nō naʻe, ua manaʻo ʻia ka neʻe ʻana he noi moraki hou, no laila pono ʻoe e hālāwai me nā loiloi affordability o ka mea hāʻawi kālā a me nā pae ʻē aʻe e ʻae ʻia no ka moraki.
ʻO ka "Porting" kahi moraki ke ʻano pinepine wale nō ka mālama ʻana i ke koena e kū nei ma ka ʻaelike paʻa a hoʻemi paha, no laila pono ʻoe e koho i kahi kuʻikahi ʻē aʻe no nā hōʻaiʻē neʻe hou, a ʻaʻole paha e kūlike kēia kuʻikahi hou.
Inā ʻike ʻoe e neʻe paha ʻoe i loko o ka manawa hoʻihoʻi mua o kekahi kuʻikahi hou, makemake paha ʻoe e noʻonoʻo i nā hāʻawi me ka haʻahaʻa a i ʻole nā kumu hoʻolimalima mua, e hāʻawi iā ʻoe i ke kūʻai hou aku i waena o nā mea hāʻawi kālā ke hiki mai ka manawa. neʻe
