Hiki iaʻu ke loaʻa i kahi moraki i ka makahiki 47?
Ke kūʻai a hoʻihoʻi kālā paha i kahi home, ʻo kekahi o nā hoʻoholo nui mua āu e hana ai inā makemake ʻoe i kahi moraki 15-makahiki a 30 mau makahiki. ʻOiai ʻo nā koho ʻelua e hāʻawi i ka uku mahina paʻa no ka manawa o nā makahiki he nui, ʻoi aku ka ʻokoʻa ma waena o nā mea ʻelua ma mua o ka manawa e uku ai i kou home.
Akā ʻo wai ka mea kūpono loa iā ʻoe? E nānā kākou i nā pono a me nā pōʻino o ka lōʻihi o ka moraki i hiki iā ʻoe ke hoʻoholo i ke koho kūpono i kāu kālā a me nā pahuhopu kālā holoʻokoʻa.
ʻO ka ʻokoʻa nui ma waena o kahi moraki 15-makahiki a me kahi moraki 30-makahiki ka lōʻihi o kēlā me kēia. Hāʻawi ka moraki 15 makahiki iā ʻoe i 15 mau makahiki e uku ai i ka huina piha āu i ʻaiʻē ai e kūʻai i kou home, aʻo kahi moraki 30 makahiki e hāʻawi ʻelua ʻelua ka lōʻihi e uku ai i ka huina like.
ʻO nā moraki 15-makahiki a me 30-makahiki ma ke ʻano he mau hōʻaiʻē paʻa, ʻo ia hoʻi, ua hoʻonohonoho ʻia kahi uku paneʻe ma ka hoʻomaka, i ka wā e lawe ai ʻoe i ka moraki, a mālama ʻia kēlā uku paneʻe i loko o ke kau. ka aie. Loaʻa iā ʻoe ka uku o kēlā me kēia mahina no ka manawa holoʻokoʻa o ka moraki.
ʻEhia makahiki hiki iaʻu ke loaʻa i kahi moraki?
He 25 makahiki ka awelika o ka uku no ka moraki. Eia nō naʻe, e like me ka noiʻi ʻana e ka mea hoʻolimalima moraki L&C Mortgages, ua pālua ka helu o nā mea kūʻai mua o 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.
palena makahiki moraki o 35 makahiki
ʻO Justin Pritchard, CFP, he kākā'ōlelo uku a he loea kālā pilikino. Hoʻopili i ka panakō, nā hōʻaiʻē, nā hoʻopukapuka, nā moraki a me nā mea hou aku no The Balance. Loaʻa iā ia kahi MBA mai ke Kulanui o Colorado a ua hana ʻo ia no nā uniona hōʻaiʻē a me nā ʻoihana kālā nui, a me ke kākau ʻana e pili ana i ke kālā pilikino no nā makahiki he ʻelua.
He loea a me ka mea hoʻonaʻauao ʻo Charles ma mua o 30 mau makahiki o ka hoʻomohala ʻana i nā papahana hoʻomaʻamaʻa hohonu no ka poʻe ʻoihana kālā. Ua aʻo ʻo Charles ma nā ʻoihana like ʻole me Goldman Sachs, Morgan Stanley, Societe Generale a me nā mea hou aku.
Eia naʻe, no ka mea he 10 makahiki ka lōʻihi o ka hōʻaiʻē, ʻoi aku ka liʻiliʻi o nā uku o ka mahina ma kahi moraki 40 mau makahiki ma mua o kahi hōʻaiʻē 30 makahiki, a ʻoi aku ka nui o ka ʻokoʻa ke hoʻohālikelike ʻia me kahi hōʻaiʻē 15 makahiki. ʻO nā uku liʻiliʻi e hoʻonani i kēia mau hōʻaiʻē lōʻihi i ka poʻe kūʻai mai:
No ka mea ʻaʻole like nā moraki 40 makahiki, ʻoi aku ka paʻakikī o ka loaʻa. ʻAʻole hiki iā ʻoe ke loaʻa i kahi hōʻaiʻē FHA makahiki 40, a ʻaʻole nui nā mea hāʻawi kālā nui e hāʻawi i nā hōʻaiʻē no nā makahiki he 30. Pono ʻoe i kahi hōʻaiʻē maikaʻi e hiki ai ke loaʻa iā ʻoe, a ʻoi aku ke kiʻekiʻe o ka uku paneʻe ma kēia mau hōʻaiʻē.
Hiki i kahi makahiki 70 ke loaʻa i kahi moraki?
Ke huli ʻoe i 50, hoʻomaka nā koho moraki e loli. ʻAʻole kēia no ka ʻōlelo ʻana ʻaʻole hiki ke loaʻa i kahi home inā ʻoe a kokoke paha i ka makahiki hoʻomaha, akā pono e ʻike pehea e pili ai 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.
