Hiki iaʻu ke loaʻa i kahi moraki 35 makahiki me 40 mau makahiki?
Ma kahi huaʻōlelo, he hōʻaiʻē ka moraki reverse. Hiki i ka mea nona ka hale nona nā makahiki he 62 a ʻoi aʻe a loaʻa nā waiwai waiwai nui ke lawe i kahi hōʻaiʻē home equity a loaʻa ke kālā ma ke ʻano o ka huina kālā, uku mahina paʻa, a i ʻole laina o ka hōʻaiʻē. ʻAʻole like me nā moraki manawa, i hoʻohana ʻia e kūʻai i hale, ʻaʻole koi nā moraki hoʻohuli i ka mea nona ka hale e hana i nā uku hōʻaiʻē.
Akā, ʻo ke koena o ka hōʻaiʻē holoʻokoʻa, a hiki i kahi palena, pono a uku ʻia ke make ka mea ʻaiʻē, neʻe mau, a kūʻai aku paha i ka home. Pono nā kānāwai Federal i nā mea hāʻawi kālā e hoʻolālā i ke kālepa i ʻole ka nui o ka hōʻaiʻē ma mua o ka waiwai o ka home. ʻOiai ʻo ia, ma o ka hāʻule ʻana o ke kumukūʻai makeke o ka home a inā ʻoi aku ka lōʻihi o ka noho ʻana o ka mea hōʻaiʻē ma mua o ka mea i manaʻo ʻia, ʻaʻole kuleana ka mea ʻaiʻē a i ʻole ka waiwai o ka mea ʻaiʻē no ka uku ʻana i ka mea hāʻawi i ka ʻokoʻa ma muli o ka ʻinikua moraki o ka papahana.
Hiki i nā moraki hoʻohuli ke hāʻawi i ke kālā i makemake nui ʻia no ka poʻe ʻelemakule, nona ka waiwai nui i hoʻopaʻa ʻia i ka waiwai o ko lākou home: ʻo ke kumukūʻai makeke o ko lākou home e hōʻemi i ka nui o nā hōʻaiʻē moraki. Eia nō naʻe, hiki i kēia mau hōʻaiʻē ke kumukūʻai a paʻakikī hoʻi, a pili pū i nā scams. E aʻo mai kēia ʻatikala iā ʻoe pehea e hana ai nā moraki reverse a pehea e pale ai iā ʻoe iho mai nā pitfalls, no laila hiki iā ʻoe ke hoʻoholo i ka ʻike e pili ana i ka pono o kēia ʻano hōʻaiʻē iā ʻoe a i ʻole kahi mea aloha.
Hiki iaʻu ke loaʻa kahi moraki 30 makahiki i ka makahiki 55?
ʻO ka uku panee ma nā moraki 25-makahiki ke emi iho ma mua o 30-makahiki moraki, ʻo ia hoʻi, hiki iā ʻoe ke mālama i ke kālā, mālama i ka manawa ma ka uku koke ʻana i kou hale, a mālama iā ʻoe iho i ka hopohopo no ka hoʻololi ʻana o kāu uku paneʻe. uku moraki.
Manaʻo ka MBA e piʻi mālie nā moraki 30-makahiki i ka makahiki 2017, me ka awelika o 4,7% i ka hapahā ʻehā o 2017. Pēlā nō, ke manaʻo nei ka NAR i ka piʻi ʻana o 30 mau makahiki ma kahi o 4,6% i ka hopena o 2017. No laila ʻOiai he haʻahaʻa haʻahaʻa ka uku o ka moraki 25 makahiki, ʻaʻole paha ia ka hihia no nā makahiki e hiki mai ana. ʻO ka nānā ʻana i ka wānana e hoʻohālikelike i kāu uku paneʻe i kēia manawa me ke ʻano o ka uku hoʻolimalima kālā i kēia manawa a i ka wā e hiki mai ana he ala maikaʻi ia e hoʻoholo ai i kāu papa hana hoʻolimalima.
E ʻōlelo mākou makemake ʻoe i kahi hōʻaiʻē o $160.000 a ua waiho ʻoe i kahi 20% i lalo. ʻO ka hōʻaiʻē āu i lawe ai he 7 pakeneka. Me ka moraki 30 makahiki, he $1.064,48 kou uku mahina, a ma ke ola o ka aie, e uku ana oe i $223.217 ma ka uku panee, e like me kou ike ana, ua palua ia ka aie mua.
Helu helu moraki no 55s
ʻO ka huaʻōlelo "moraki" e pili ana i kahi hōʻaiʻē i hoʻohana ʻia no ke kūʻai ʻana a mālama ʻana i kahi home, ʻāina, a i ʻole nā ʻano waiwai ʻē aʻe. Ua ʻae ka mea ʻaiʻē e uku i ka mea hāʻawi aku i ka manawa, ma ke ʻano maʻamau o nā uku maʻamau i māhele ʻia i ke kumupaʻa a me ka ukupanee. He mea hōʻaiʻē ka waiwai e hoʻopaʻa i ka hōʻaiʻē.
Pono ka mea ʻaiʻē e noi no kahi moraki ma o kā lākou mea hāʻawi makemake a e hōʻoia i ka hoʻokō ʻana i kekahi mau koi, e like me nā helu hōʻaiʻē liʻiliʻi a me nā uku uku. E hele ana nā noi moraki ma ke kaʻina hana underwriting ma mua o ka hiki ʻana i ka pae pani. ʻOkoʻa nā ʻano o nā moraki ma muli o nā pono o ka mea hōʻaiʻē, e like me nā hōʻaiʻē maʻamau a me nā hōʻaiʻē paʻa.
Hoʻohana nā kānaka a me nā ʻoihana i nā moraki e kūʻai i ka waiwai paʻa me ka ʻole e uku i ke kumukūʻai kūʻai piha ma mua. Hoʻihoʻi ka mea hōʻaiʻē i ka hōʻaiʻē a me ka ukupanee no kekahi mau makahiki i hoʻonohonoho ʻia a hiki i ka loaʻa ʻana o ka waiwai me ka uku ʻole ʻia. ʻIke ʻia hoʻi nā moraki ma ke ʻano he ʻae kūʻē i ka waiwai a i ʻole nā koi i ka waiwai. Inā hōʻole ka mea hōʻaiʻē i ka moraki, hiki i ka mea hāʻawi ke hoʻopaʻa i ka waiwai.
palena makahiki moraki o 35 makahiki
Ke huli ʻoe i 50, hoʻomaka nā koho moraki e loli. ʻAʻole kēia no ka ʻōlelo ʻana ʻaʻole hiki ke kūʻai i hale inā ʻoe i ka makahiki hoʻomaha a kokoke paha, akā pono e ʻike i ka hopena o ka makahiki i ka hōʻaiʻē.
ʻOiai ke kau nei nā mea hoʻolako moraki i nā palena makahiki kiʻekiʻe loa, e pili ana kēia i ka mea āu e hoʻokokoke ai. Eia kekahi, aia nā mea hāʻawi kālā i loea i nā huahana moraki kahiko, a eia mākou e kuhikuhi iā ʻoe i ke ala pololei.
E wehewehe kēia alakaʻi i ka hopena o ka makahiki ma nā noi moraki, pehea e loli ai kāu mau koho i ka manawa, a me kahi ʻike o nā huahana moraki hoʻomaha. Loaʻa kā mākou mau alakaʻi no ka hoʻokuʻu kālā a me nā moraki ola no ka ʻike kikoʻī.
Ke ulu nei ʻoe, hoʻomaka ʻoe e hoʻokau i kahi pilikia nui i nā mea hoʻolako moraki maʻamau, no laila hiki ke paʻakikī ke loaʻa i kahi hōʻaiʻē ma hope o ke ola. No ke aha mai? ʻO kēia ma muli o ka hāʻule ʻana o ka loaʻa kālā a i ʻole kou kūlana olakino, a pinepine nā mea ʻelua.
Ma hope o kou hoʻomaha ʻana, ʻaʻole ʻoe e loaʻa hou ka uku maʻamau mai kāu hana. ʻOiai inā loaʻa iā ʻoe kahi penikala e hāʻule hou ai, hiki ke paʻakikī i nā mea hāʻawi kālā ke ʻike pololei i kāu e loaʻa ai. E emi ana paha kāu loaʻa kālā, e pili ana i kou hiki ke uku.
