Ka pakuhi o ka uku panee moraki ma ka US
Hoʻopili ka uku panee i ka manawa o kāu moraki a me ka nui āu e uku ai i kēlā me kēia mahina, no laila pono ʻoe e kamaʻāina iā lākou. ʻElua mau koho nui i loaʻa, paʻa a loli paha. E nānā i kā mākou uku o kēia manawa a i ʻole e noi i kelepona i kāu Luna Mortgage kūloko; E hauʻoli lākou e kōkua iā ʻoe e koho i ke koho maikaʻi loa.
Ke makemake nei kekahi o mākou i ka palekana o ka uku paʻa, ʻo ia hoʻi, e like ana kāu uku i ka manawa paʻa. Ua hōʻuluʻulu mākou i kā mākou uku paʻa no nā hōʻaiʻē home hou ma kahi pakuhi maikaʻi ma lalo.
Hiki i nā mea kūʻai moraki nona ka hale ke neʻe i kahi pākēneka haʻahaʻa haʻahaʻa haʻahaʻa haʻahaʻa (LTV), kahi e loli nui ai ka ratio loan-to-value i ka wā o ka moraki. He ʻike hou aku e pili ana i kēia koho ma aneʻi
Hiki i nā mea kūʻai moraki e noho nei i kēia manawa ke hoʻololi i ka helu loan-to-value (LTV) o nā hui hou ke loli nui ka LTV i ka wā o ka moraki. Hiki iā ʻoe ke ʻike i ka ʻike hou aku e pili ana i kēia koho ma aneʻi
moraki uku hoololi deutsch
He lawelawe hoʻohālikelike kūʻokoʻa mākou, kākoʻo hoʻolaha. ʻO kā mākou pahuhopu ke kōkua iā ʻoe e hana i nā hoʻoholo kālā ʻoi aku ka maikaʻi ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka ʻae ʻole, a e ʻae iā ʻoe e alakaʻi i ka noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
ʻO nā hāʻawi i hōʻike ʻia ma kēia pūnaewele mai nā hui e uku mai iā mākou. Hiki i kēia uku ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kēia pūnaewele, me ka laʻana, ke ʻano o ke ʻano e ʻike ʻia ai i loko o nā papa inoa. Akā ʻaʻole pili kēia uku i ka ʻike a mākou e paʻi ai, a me nā loiloi āu e ʻike ai ma kēia pūnaewele. ʻAʻole mākou e hoʻokomo i ka honua o nā hui a i ʻole nā haʻawina kālā i loaʻa iā ʻoe.
ʻO kā mākou mea hoʻolaha moraki a me nā mea hoʻoponopono e kālele ana i ka mea e mālama nui ai nā mea kūʻai aku - ʻo ka uku ukupanee hou loa, nā mea hāʻawi maikaʻi loa, ka hoʻokele ʻana i ke kaʻina hana kūʻai hale, hoʻihoʻi kālā i kāu moraki a me nā mea hou aku - i hiki iā ʻoe ke hilinaʻi i ka wā e hoʻoholo ai ma ke ʻano he mea kūʻai a nona he home.
ukupanee moraki deutsch
E pili ana ka hopena o nā loli i ke ʻano o ka moraki i loaʻa iā ʻoe, ka nui āu i ʻaiʻē ai a me ka lōʻihi o kāu lawe ʻana. Inā loaʻa kekahi ʻāpana o kāu moraki ma kekahi o kā mākou mau uku hoʻololi a hoʻololi ʻia kāu uku ma hope o ka hoʻololi ʻana i ka Bank of England Base Rate, hiki ke piʻi a i lalo paha kāu uku. Inā hiki kēia, e kākau mākou iā ʻoe e hōʻoia i kāu uku hou.
ʻO ka moraki i hoʻopaʻa ʻia he moraki uku hoʻololi. ʻO ka ʻokoʻa ma waena o kēia a me nā moraki uku hoʻololi ʻē aʻe, ʻo ia ka hahai ʻana, a i ʻole ka hahai ʻana i nā neʻe ʻana o kahi uku ʻē aʻe, ʻo ia ka mea maʻamau i ka helu kumu o ka Bank of England. Inā pili ʻia kāu moraki e ka hoʻololi ʻana i ka uku, e kākau mākou iā ʻoe e hōʻoia i kāu ʻāpana hou. ʻO ka hoʻololi ʻana i ka uku ukupanee ʻoi aku ka maikaʻi mai ka lā mua o ka mahina ma hope o ka hoʻolaha ʻana e ka Bank of England.
Inā loaʻa iā ʻoe kahi moraki uku paʻa, e like ana kāu mau uku i ka wā i hoʻopaʻa ʻia, no ka mea, ʻaʻole ʻokoʻa ka uku āu e uku nei me ka uku kumu waihona Bank of England. ʻO ka pōmaikaʻi o ka uku paʻa, ʻo ia ka wehe ʻana i ka maopopo ʻole e piʻi ka uku; ʻOiaʻiʻo, hiki ke hāʻule ka waihona waihona Bank of England i ka wā peg.
Ka uku panee moraki deutsch
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.
E hōʻike ana ka papa helu amortization 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 nui, 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.
