Ka uku panee ma ka US
I ka makahiki 1971, aia ka uku panee ma ka waena waena o 7%, e piʻi mau ana i ka 9,19% i ka makahiki 1974. Ua emi pōkole lākou i ka waena waena o 8% ma mua o ka piʻi ʻana i 11,20. 1979% i ka makahiki XNUMX. piʻi kiʻekiʻe i piʻi i ka hoʻomaka ʻana o nā makahiki he ʻumi e hiki mai ana.
Ma nā XNUMXs a me XNUMXs, ua hoʻoneʻe ʻia ʻo ʻAmelika Hui Pū ʻIa i loko o ka hoʻemi ʻana e ka ʻaila embargo kūʻē i ka ʻāina. Ua hoʻokumu ka Organization of the Petroleum Exporting Countries (OPEC) i ka embargo. ʻO kekahi o kāna mau hopena ʻo ka hyperinflation, ʻo ia hoʻi ka piʻi wikiwiki ʻana o ke kumukūʻai o nā waiwai a me nā lawelawe.
No ka pale ʻana i ka hyperinflation, ua hoʻonui ka Federal Reserve i nā uku uku pōkole. Ua ʻoi aku ka waiwai o ke kālā ma nā waihona mālama kālā. Ma ka ʻaoʻao ʻē aʻe, piʻi aʻe nā uku ukupanee, no laila ua piʻi pū ke kumukūʻai o ka hōʻaiʻē.
Ua hōʻea ka uku panee i ko lākou helu kiʻekiʻe loa ma ka mōʻaukala hou i ka makahiki 1981, i ka manawa he 16,63% ka awelika makahiki, e like me ka ʻikepili Freddie Mac. Ua hāʻule nā kumukūʻai paʻa mai laila, akā ua pau ka ʻumi makahiki ma kahi o 10%. ʻO nā makahiki 80 he manawa kūʻai nui e hōʻaiʻē kālā.
Moraki Rocket
ʻO nā moraki i hoʻopaʻa ʻia a me nā moraki hiki ke hoʻololi ʻia (ARM) nā ʻano nui ʻelua o nā moraki. ʻOiai ke hāʻawi nei ka mākeke i nā ʻano like ʻole i loko o kēia mau ʻāpana ʻelua, ʻo ka hana mua i ke kūʻai ʻana no ka moraki ʻo ka hoʻoholo ʻana i kahi o nā ʻano hōʻaiʻē nui ʻelua i kūpono i kāu pono.
Hoʻolimalima ka moraki paʻa i ka uku panee paʻa e mau ana no ke ola o ka hōʻaiʻē. ʻOiai ʻokoʻa ka nui o ke kumupaʻa a me ka ukupanee i kēlā me kēia mahina mai ka uku ʻana i ka uku, e mau ana ka huina o ka uku, e maʻalahi ka hoʻolilo kālā ʻana i nā mea hale.
Hōʻike ka papa helu hoʻoemi hapa ma lalo nei i ke ʻano o ka loli ʻana o ke kumupaʻa a me ka ukupanee i ke ola o ka moraki. Ma keia la'ana, he 30 makahiki ka manawa o ka moraki, he $100.000 ke kumu, a he 6% ka uku panee.
ʻO ka pōmaikaʻi nui o ka hōʻaiʻē paʻa, ʻo ia ka pale ʻana i ka mea hōʻaiʻē mai ka piʻi ʻana o ka moraki i kēlā me kēia mahina inā piʻi ka uku paneʻe. He maʻalahi ka hoʻomaopopo ʻana i nā moraki uku paʻa a ʻokoʻa iki mai ka mea hāʻawi aku i ka mea hāʻawi. ʻO ka ʻaoʻao haʻahaʻa o nā moraki i hoʻopaʻa ʻia ʻo ia ke kiʻekiʻe o ka uku paneʻe, ʻoi aku ka paʻakikī o ka loaʻa ʻana o kahi hōʻaiʻē no ka mea ʻuʻuku nā uku. Hiki i ka helu moraki ke hōʻike iā ʻoe i ka hopena o nā uku like ʻole i kāu uku mahina.
30 makahiki paʻa moraki fred
ʻO ka awelika APR o ka moraki kuhikuhi 30-makahiki ma ka uku paʻa ua hāʻule i kēia lā i 5,45% mai ka 5,48% i nehinei. ʻO ka pule i hala a puni kēia manawa, ʻo ka APR moraki paʻa 30 makahiki he 5,50%. No kāna ʻāpana, ʻo ka awelika APR o ka moraki paʻa 15 makahiki he 4,75%. ʻO ka pule i hala a puni kēia mau lā like, ʻo ka APR moraki paʻa 15 makahiki he 4,88%. Kuhi ʻia nā kumukūʻai e like me APR.
ʻO ka awelika APR no kahi moraki jumbo paʻa 30 makahiki he 5,34%. ʻO ka pule i hala aku nei, ʻo ka awelika APR no kahi moraki jumbo makahiki 30 he 5,38%. ʻO ka awelika APR no kahi moraki 5/1 ARM he 4,91%. ʻO ka pule i hala aku nei, ʻo ka awelika APR ma kahi moraki 5/1 ARM he 4,82%.
ʻOiai e pili pono ana nā kumukūʻai moraki e ka loaʻa ʻana ma US Treasuries, ʻo ka piʻi ʻana o ka inflation a me ke kulekele kālā Federal Reserve e hoʻopili pono ʻole i ka uku moraki. I ka piʻi ʻana o ka inflation, pane ka Federal Reserve ma o ka hoʻohana ʻana i kahi kulekele kālā koʻikoʻi, e alakaʻi mau ana i ka piʻi ʻana o ka uku moraki.
"E piʻi aʻe ka piʻi ʻana o ka hoʻonui ʻana a pono e hoʻonui ka Fed i kāna helu kālā federal i ʻewalu a XNUMX mau manawa i ka piʻi ʻana o ka hapaha i kēia makahiki," wahi a Lawrence Yun, ka luna hoʻokele waiwai a me ka pelekikena poʻokela o ka noiʻi ma ka National Association of Realtors. (NAR). "Eia kekahi, e hoʻopau mau ka Fed i ka quantitative easing, e koi ana i nā kumukūʻai moraki no ka wā lōʻihi."
ʻAiʻai moraki
ʻO nā kumukūʻai moraki ma lalo nei he laʻana uku ma muli o nā manaʻo. E hoʻohana i kā mākou calculator e ʻike i nā kumukūʻai i manaʻo ʻia i kēia lā no ka moraki a me ka hōʻaiʻē hōʻaiʻē e pili ana i kāu mau pono kikoʻī. Hōʻike nā kumukūʻai i hōʻike ʻia ma lalo a ma ka helu helu hoʻoemi hoʻolaha i kēia manawa.
E koho i kahi huahana e nānā i ka ʻike koʻikoʻi, nā uku, nā manaʻo, a me ka ʻike APR, no ka mea, hiki i kekahi mau uku ke komo a hiki i ka 1,0 kumu kūʻai ma ke ʻano he kumu kūʻai mua no ka poʻe ʻaiʻē. Hoʻokumu ʻia nā kumukūʻai refinancing ma ke kālā ʻole e uku. E ʻoluʻolu e hāʻawi mākou i nā koho hōʻaiʻē home ʻaʻole i hōʻike ʻia ma aneʻi.
Loaʻa wale me nā polokalamu moraki kūpono a me ke aupuni. Hiki ke hoʻopili ʻia nā kapu ʻē aʻe. Loaʻa nā ʻāpana kumu kūʻai i ka uku panee a me nā helu. Hiki i kēia ho'ēmi kumukūʻai ke hopena i ka uku panee haʻahaʻa, ka uku wahi hoʻemi haʻahaʻa no ka uku hoʻokahi, a i ʻole ka hoʻonui ʻana i kahi hōʻaiʻē no ka uku panee koho. E kamaʻilio me kahi kākāʻōlelo moraki e pili ana i kāu kūlana kikoʻī.
ʻO ke kumukūʻai o ka hōʻaiʻē i hōʻike ʻia ma ke ʻano he pākēneka makahiki. No nā hōʻaiʻē moraki, me ka wehe ʻole ʻana i nā laina ʻaiʻē home equity, e komo pū ka uku panee me nā uku a i ʻole nā uku ʻē aʻe. I ka hihia o nā laina kaulike o ka home, ʻo ka APR wale nō ka uku pānaʻi.
