Ehia makahiki e waiho ai i ka moraki?

Ka lōʻihi o ka moraki ma UK

ʻO ke koho ʻana i kahi moraki he mea nui ia o ke kaʻina hana kūʻai hale. ʻO ke koho ʻana i kahi huaʻōlelo 15-makahiki ma kahi o ka ʻōlelo kuʻuna 30-makahiki ke kani nei me he neʻe akamai, ʻeā? ʻAʻole pono. ʻO ka koho ʻana i kahi manawa moraki pōkole loaʻa kekahi mau pono mālama kālā. Eia nō naʻe, inā haʻahaʻa loa kāu loaʻa kālā no kahi manawa 15-makahiki, ʻoi aku ka liʻiliʻi o ka moraki 30 makahiki i kēlā me kēia mahina. Inā ʻaʻole ʻoe i hoʻoholo e pili ana i ke ʻano o ka moraki e koho ai, e nānā i lalo e ʻike i ka mea kūpono iā ʻoe.

ʻO ka ʻokoʻa nui ma waena o 15-makahiki a me 30-makahiki mau moraki ke ʻano o ka hōʻiliʻili ʻana o nā uku a me ka ukupanee. Me kahi moraki 15 makahiki, ʻoi aku ka nui o kāu uku o kēlā me kēia mahina, akā e emi ana ʻoe i ka uku panee holoʻokoʻa. Me kahi moraki 30-makahiki, ʻo ka mea ʻē aʻe ka hihia. E hoʻopau ʻoe i ka uku hou aku no kou hale ma muli o ka ukupanee. Akā ʻoi aku ka haʻahaʻa o ka uku moraki.

Ke ho'āʻo nei e hoʻoholo i ka manawa o ka moraki, e noʻonoʻo i ka mea maikaʻi loa no kāu kālā. E ho'āʻo e kaupaona i ka huina kālā. Eia kekahi laʻana, e ʻōlelo mākou makemake ʻoe e ʻaiʻē i $150.000 e kūʻai i hale. Hiki iā ʻoe ke koho ma waena o kahi moraki 15 mau makahiki ma 4,00% a i ʻole 30 mau makahiki moraki ma 4,50%. Ma ka papahana 15 makahiki, ʻo kāu uku e pili ana i $1.110 i kēlā me kēia mahina, ʻaʻole me ka ʻinikua a me nā ʻauhau. E hoʻopau ʻoe i ka uku kokoke i $50.000 i ka ukupanee i ke ola o ka hōʻaiʻē.

ʻO ka manawa moraki maikaʻi loa no nā mea kūʻai mua

He 25 makahiki ka awelika o ka uku no ka moraki. Akā, e like me ka noiʻi ʻana e ka mea hoʻolimalima moraki L&C Mortgages, ua pālua ka helu o nā mea kūʻai mua e lawe ana i kahi moraki 31 a 35 mau makahiki ma waena o 2005 a me 2015.

E ʻōlelo mākou ke kūʻai nei ʻoe i kahi waiwai £250.000 ma kahi 3% a loaʻa iā ʻoe kahi waihona 30%. ʻO ka hōʻaiʻē ʻana i ka £175.000 ma luna o 25 mau makahiki e uku ʻia ʻoe i ka £830 i kēlā me kēia mahina. Inā hoʻohui ʻia ʻelima mau makahiki, e hoʻemi ʻia ka uku mahina i 738 paona, aʻo ka moraki 35 makahiki he 673 paona wale nō i ka mahina. ʻO ia ka 1.104 paona a i ʻole 1.884 paona i emi iho i kēlā me kēia makahiki.

Eia naʻe, pono e nānā i ka ʻaelike moraki e ʻike inā hiki iā ʻoe ke overpay. ʻO ka hiki iā ʻoe ke hana me ka ʻole o ka hoʻopaʻi e hāʻawi iā ʻoe i ka maʻalahi inā loaʻa iā ʻoe kahi hoʻonui a i ʻole ka makani o ke kālā. Hiki iā ʻoe ke uku i ka huina aelike inā paʻakikī nā manawa.

Pono e no'ono'o, no ka mea, e ho'opōkole 'ia ka lō'ihi o ka moraki i kēlā me kēia kālā keu āu e ho'okomo ai i loko o kāu moraki.

Pehea ka lōʻihi o nā moraki maʻamau?

Ma ka moraki uku pa'a, e mau ana ka uku panee i ka manawa like o ka aie, ma mua o ka uku panee "floating" a hoololi paha. ʻO ka mea e ʻike ai i ka moraki paʻa ʻo ia ka manawa o ka hōʻaiʻē a me kāna uku uku. Aia kekahi mau huaʻōlelo hōʻaiʻē paʻa paʻa i kaulana loa: ʻo ka moraki 30 makahiki ka mea kaulana loa, aʻo ka 15 makahiki e hiki mai ana. Ma ka hoʻohālikelike ʻana, ʻano kakaikahi nā huaʻōlelo hōʻaiʻē ʻē aʻe. Hiki i ka poʻe e uku ana i nā hōʻaiʻē liʻiliʻi ke hoʻāʻo e uku iā lākou ma mua o 10 mau makahiki, ʻoiai ʻo ka poʻe me ka hōʻaiʻē maʻemaʻe me ka ʻaiʻē haʻahaʻa hiki ke koho e hoʻonui i kā lākou hōʻaiʻē a hiki i 40 a 50 mau makahiki. ʻO ka poʻe makemake e hoʻomau i ka leverage nui a loaʻa nā waiwai kālā ʻē aʻe e kākoʻo i ko lākou kūlana hiki ke koho i nā moraki ukupanee a i ʻole nā ​​moraki baluna.

Ma ʻAmelika Hui Pū ʻIa, ʻo nā moraki uku paʻa ka koho kaulana loa. I nā ʻāina ʻē aʻe he nui, e like me Kanada, UK a me Australia, ʻo nā hōʻaiʻē helu ʻokoʻa ka mea maʻamau. Inā hoʻokumu ʻia kahi hapa nui o ka hoʻokele waiwai i nā hōʻaiʻē helu ʻokoʻa a i ʻole me ka uku panee wale nō, inā nāwaliwali ka mākeke hale hiki iā ia ke hana i kahi pōʻai ʻino e hoʻoikaika pono iā ia iho, kahi e piʻi ai ka uku paneʻe e alakaʻi i nā hewa hou aʻe, a laila e hoʻohaʻahaʻa iho. nā kumukūʻai home a me nā waiwai o ka home, e alakaʻi ana i ka nui o nā hōʻaiʻē a me nā hemahema.

ʻO ka lōʻihi o ka moraki

Hiki ke loaʻa nā ʻano moraki, akā no ka hapa nui o ka poʻe kūʻai hale, ma ka hana, hoʻokahi wale nō. ʻO ka moraki hoʻopaʻa paʻa 30-makahiki he mea maʻamau ia he archetype ʻAmelika, ka apple pie o nā mea hana kālā. ʻO ia ke ala a nā hanauna o ʻAmelika i lawe ai i ko lākou home mua

ʻO ka moraki he mea ʻē aʻe ma mua o ke ʻano o ka hōʻaiʻē manawa, i hōʻoia ʻia e ka waiwai paʻa. Ma kahi hōʻaiʻē kau, uku ka mea ʻaiʻē i ka ukupanee i helu ʻia i kēlā me kēia makahiki me ke koena o ka hōʻaiʻē. Ua paʻa ka uku panee a me ka uku mahina.

Ma muli o ka paʻa ʻana o ka uku mahina, hoʻololi ka ʻāpana e uku i ka uku panee a me ka ʻāpana e uku i ke kumupaʻa i ka manawa. I ka wā mua, no ka mea he kiʻekiʻe loa ke koena o ka hōʻaiʻē, ʻo ka hapa nui o ka uku he uku. Akā i ka liʻiliʻi ʻana o ke koena, e iho ana ka hapa ukupanee o ka uku a piʻi ka hapa nui

ʻO kahi hōʻaiʻē wā pōkole e lawe i ka uku o kēlā me kēia mahina, ʻoi aku ka liʻiliʻi o ka moraki 15 makahiki. Akā ʻo ka manawa pōkole e ʻoi aku ka liʻiliʻi o ka hōʻaiʻē ma kekahi mau ʻaoʻao. ʻO kaʻoiaʻiʻo, ma ke ola o ka hōʻaiʻē, e hoʻopau ʻia kahi moraki 30 makahiki ma mua o ʻelua mau makahiki ma mua o ke koho 15 makahiki.