Ka uku panee 日本語
E ʻimi i kā mākou mau moraki, mai nā moraki i pani ʻia a wehe ʻia paha me nā koho uku paʻa a ʻokoʻa paha, e ʻike i ke ʻano o ka moraki2 i kūpono iā ʻoe. ʻO ka hoʻomaopopo ʻana i ka uku ukupanee moraki a me ka APR hiki ke kōkua iā ʻoe e mālama i ka wā lōʻihi. He aha ka APR? He pākēneka makahiki ia e hōʻike ana, ma waho aʻe o ka ukupanee, kekahi a i ʻole nā uku āpau e pili ana i kāu hōʻaiʻē moraki. No ka hoʻomaopopo ʻana pehea mākou i helu ai i ka APR, e ʻike ma lalo.
Hoʻokumu ʻia ka makahiki pākēneka (APR) ma kahi moraki $300.000, i hoʻokaʻawale ʻia ma luna o 25 mau makahiki, no ka manawa kūpono, me ka manaʻo ʻana i nā uku o kēlā me kēia mahina a me kahi uku no ka loaʻa ʻana o kahi kumukūʻai waiwai he $300. Inā ʻaʻohe komisina, e like ka APR a me ka uku panee. Hoʻopuni ʻia ka APR i ʻekolu mau wahi decimal.
Hāʻawi kahi moraki paʻa i ke kūpaʻa, a me ia, ka maluhia o ka noʻonoʻo. Ke koho ʻoe i ka huaʻōlelo, hiki iā ʻoe ke hōʻoia ʻaʻole e loli ka uku paneʻe i kēlā manawa. Hiki iā ʻoe ke koho i ka lōʻihi o ka manawa: 6 mahina, 1, 2, 3, 4, 5, 6, 7 a i ʻole 10 mau makahiki. Nā koho uku:
Hoʻolālā ʻia kahi moraki hiki ke hoʻololi ʻia he 6 mahina e hāʻawi iā ʻoe i ka hiki ke maʻalahi. Inā ʻaʻole ʻoe mākaukau e hoʻokō, e hoʻopaʻa wale i kāu uku no kēia kau palena liʻiliʻi. Ke hiki i ka manawa e hoʻohou ai, a hāʻawi mākou iā ʻoe i kahi hana hou, hiki iā ʻoe ke hoʻomau i ke koho ʻana i kahi kau 6 mahina a hiki i kou mākaukau e laka i loko. ukupanee no ka manawa loihi. Ke noʻonoʻo ʻoe he maikaʻi nā uku paneʻe, hiki iā ʻoe ke koho e hoʻololi i kahi manawa lōʻihi i kēlā me kēia manawa.
ʻAno moraki 意味
ʻO ka nui a i ʻole nā haʻawina āpau ma kēia pūnaewele mai nā hui i loaʻa ai i nā Insiders ka uku (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 o nā makana i ka wā e hana ai i nā ʻōlelo paipai; akā naʻe, ʻaʻole mākou e hōʻoiaʻiʻo e hōʻike ana ia ʻike i nā huahana āpau a i ʻole nā haʻawi i loaʻa ma ka mākeke.
ʻO ka awelika o ka uku paneʻe ma ka moraki paʻa 30-makahiki kaulana loa he 5,11%, e like me ka ʻikepili mai S&P Global. Ke hoʻololi mau nei nā kumukūʻai moraki, a he nui nā kumu e hiki ke hoʻololi i kāu uku uku. ʻOiai ʻo kekahi o kēia mau mea ponoʻī āu e hoʻomalu ai, a ʻo nā mea ʻē aʻe ʻaʻole ʻoe, he mea nui e ʻike i ke ʻano o kāu uku ukupanee ke hoʻomaka ʻoe i ke kaʻina hana no ka loaʻa ʻana o kahi hōʻaiʻē home.
He aha nā kumukūʻai moraki i kēia manawa? ʻOiai e loli ana nā kumukūʻai moraki i kēlā me kēia lā, ʻo 2020 a me 2021 nā makahiki o ka haʻahaʻa haʻahaʻa no ka moraki a me ka hoʻihoʻi hou ʻana i ka uku paneʻe ma waena o ʻAmelika. ka uku panee a ka mea hāʻawi kālā e hāʻawi iā ʻoe. ʻOkoʻa nā kumukūʻai moraki e ka mea hōʻaiʻē, ma muli o nā kumu e like me kāu hōʻaiʻē, ke ʻano o ka hōʻaiʻē, a
moraki 意味
ʻO ka helu waena ma kahi moraki paʻa 30 makahiki he 5,57% me kahi APR o 5,58%, e like me Bankrate.com. ʻO ka moraki paʻa 15 mau makahiki he 4,75% me ka APR o 4,77%. Ma kahi moraki jumbo makahiki 30, he 5,51% ka awelika me ka APR o 5,52%. ʻO ka awelika o ka moraki 5/1 ARM he 3,90% me kahi APR o 4,88%.
Ma ka uku panee o keia manawa he 4,75%, he $15 no ka mahina ma ke kumupaa ame ka ukupanee no ka $778 no ka moraki 100.000 makahiki. E uku ʻoe ma kahi o $40.010 i ka huina o ka ukupanee i ke ola o ka hōʻaiʻē.
Ma kahi moraki jumbo 30-makahiki, kū ka awelika o ka huina kālā ma 5,51%, ʻoi aku ka kiʻekiʻe ma mua o ka pule i hala i kēia manawa. He 5,33% ka awelika o ka pule i hala. ʻO ka uku paʻa 30-makahiki ma kahi moraki jumbo i kēia manawa ma luna o ka haʻahaʻa 52-wiki o 3,03%.
No ka helu ʻana i kāu uku moraki i kēlā me kēia mahina, hiki iā ʻoe ke hoʻohana i ka calculator moraki. Hāʻawi ia iā ʻoe i ka manaʻo o kāu poʻo nui o kēlā me kēia mahina a me ka uku ukupanee e pili ana i ka uku paneʻe, ka uku hoʻohaʻahaʻa, ke kumukūʻai kūʻai, a me nā kumu ʻē aʻe.
Nuhou moraki i na la a pau
Ua kōkua kā mākou poʻe loea iā ʻoe e hoʻokele i kāu kālā no nā makahiki he ʻehā. Hoʻoikaika mau mākou e hāʻawi i nā mea kūʻai aku i ka ʻōlelo aʻoaʻo a me nā mea hana e pono ai ke kūleʻa i ka huakaʻi kālā o ke ola.
ʻAʻole uku kā mākou mea hoʻolaha iā mākou no nā loiloi maikaʻi a i ʻole nā manaʻo. Loaʻa i kā mākou pūnaewele nā papa inoa manuahi a me ka ʻike e pili ana i nā lawelawe kālā like ʻole, mai nā moraki a i ka waihona kālā a i ka ʻinikua, akā ʻaʻole mākou e hoʻokomo i kēlā me kēia huahana ma ka mākeke. Eia kekahi, ʻoiai mākou e hoʻoikaika nei e hana i kā mākou papa inoa e like me ka hiki, e ʻoluʻolu e nānā me nā mea kūʻai aku no ka ʻike hou loa.
ʻO nā ʻano o kēia manawa ma 30-makahiki moraki ma ka Pōʻalima, Iune 09, 2022, ʻo ka awelika o kēia manawa no nā moraki 30-makahiki he 5,54%, he piʻi o 8 kumu kumu i hoʻohālikelike ʻia i hoʻokahi pule i hala. Inā ʻoe e ʻimi nei e hoʻolimalima hou, ʻo ka awelika 30-makahiki refinance rate he 5,53%, ma luna o 11 kumu kumu mai ka manawa like i ka pule i hala.
I ka Poaha, Iune 30, 09, ʻo 2022% ka awelika o kēia manawa no nā moraki 30 makahiki, e hoʻonui ana i 5,54 mau kumu kumu mai ka pule aku nei. Inā ʻoe e ʻimi nei e hoʻolimalima hou, ʻo ka awelika 8-makahiki refinance rate he 30%, ma luna o 5,53 kumu kumu mai ka manawa like i ka pule i hala.
