hale ʻilihune
He aha ka pakeneka o kāu loaʻa kālā hiki iā ʻoe ke hoʻokaʻawale i ka uku ʻana i ka moraki? Ke hoʻohana nei ʻoe i ka loaʻa kālā o kēlā me kēia mahina a i ʻole ka uku ʻupena? E aʻo i ka nui o ka hale hiki iā ʻoe ke loaʻa me kekahi mau lula maʻalahi e pili ana i kāu loaʻa kālā o kēlā me kēia mahina.
ʻO ka hapa nui o ka poʻe ʻae ʻaʻole pono e hoʻokomo i ka waihona kālā hale ʻaʻole wale ka uku moraki (a i ʻole hoʻolimalima, no ia mea), akā pū kekahi ʻauhau waiwai a me nā ʻinikua āpau e pili ana i ka home: homeowners insurance, owner and the PMI. No ka loaʻa ʻana o ka ʻinikua hale, paipai mākou iā ʻoe e kipa iā Policygenius. ʻO ia ka mea a mākou i kapa ai he ʻinikua aggregator, ʻo ia ka mea e hōʻiliʻili i nā kumukūʻai maikaʻi loa ma ka mākeke pūnaewele a hāʻawi iā ʻoe i nā mea maikaʻi loa.
"Inā hoʻoholo ʻoe e mālama pono, ʻaʻole ʻoi aku ma mua o 35% o kāu loaʻa kālā ma mua o ka ʻauhau ma nā uku moraki, ʻauhau waiwai, a me ka ʻinikua home." ʻO ka Bank of America, ka mea e pili ana i nā alakaʻi i hoʻonohonoho ʻia e Fannie Mae a me Freddie Mac, e ʻae i kāu hōʻaiʻē holoʻokoʻa (me ka haumāna a me nā hōʻaiʻē ʻē aʻe) i hiki i 45% o kāu loaʻa kālā ma mua o ka ʻauhau, akā ʻaʻole ʻoi aku. "
E hoʻomanaʻo kākou, ʻoiai ma ka honua hope o ka pilikia o ka hōʻaiʻē ʻana, makemake nā mea hōʻaiʻē moraki e ʻae i nā mea hōʻaiʻē kūpono no ka moraki nui loa. ʻAʻole wau e kapa aku i ka 35% o kāu loaʻa kālā ma mua o ka ʻauhau ma nā uku moraki, ʻauhau waiwai, a me ka ʻinikua home "conservative." E kapa au he awelika.
ʻEhia ka nui o kaʻu hōʻaiʻē e lawe ai no ka hale
ʻO ke kūʻai ʻana i hale me kahi moraki ka mea nui o ka hoʻopukapuka pilikino koʻikoʻi i hana ʻia e ka hapa nui o nā kānaka. ʻEhia ka nui āu e hiki ai ke hōʻaiʻē ma muli o nā kumu he nui, ʻaʻole wale ka nui o kahi panakō e makemake e hāʻawi iā ʻoe. Pono ʻoe e loiloi ʻaʻole wale i kāu kālā, akā i kāu mau makemake a me nā mea nui.
Ma keʻano laulā, hiki i ka hapa nui o nā mea hale ke hoʻolimalima i kahi home me kahi moraki ma waena o ʻelua a ʻelua a me ka hapa manawa i kā lākou loaʻa kālā makahiki. Wahi a kēia kumu, hiki i ke kanaka loaʻa $100.000 i ka makahiki ke loaʻa i kahi moraki ma waena o $200.000 a me $250.000. Eia naʻe, ʻo kēia helu ʻana he alakaʻi maʻamau wale nō.
ʻO ka hope loa, i ka wā e hoʻoholo ai i kahi waiwai, pono e noʻonoʻo ʻia nā kumu hou aʻe. ʻO ka mea mua, kōkua ia e ʻike i ka manaʻo o ka mea hāʻawi kālā hiki iā ʻoe ke loaʻa (a pehea lākou i hiki ai i kēlā kuhi). ʻO ka lua, pono ʻoe e noʻonoʻo pono iā ʻoe iho a ʻike i ke ʻano o ka hale āu e makemake ai e noho inā e hoʻolālā ʻoe e hana pēlā no ka manawa lōʻihi a me nā ʻano ʻai ʻē aʻe āu e makemake ai e haʻalele - a ʻaʻole paha - e noho ai. kou home.
helu moraki
ʻO Lindsay VanSomeren kahi kāleka hōʻaiʻē, panakō, a loea ʻaiʻē nona nā ʻatikala e hāʻawi i ka poʻe heluhelu i ka noiʻi hohonu a me nā ʻōlelo aʻo kūpono e hiki ke kōkua i nā mea kūʻai aku e hoʻoholo i nā hoʻoholo naʻauao e pili ana i nā huahana kālā. Ua hōʻike ʻia kāna hana ma nā pūnaewele kālā koʻikoʻi e like me Forbes Advisor a me Northwestern Mutual.
ʻO Marguerita he mea hoʻolālā kālā i hōʻoia ʻia (CFP®), he mea aʻoaʻo hoʻolālā hoʻomaha i hōʻoia ʻia (CRPC®), he loea hoʻomaha hoʻomaha i hōʻoia ʻia (RICP®), a me kahi kumu aʻoaʻo hoʻolimalima kālā hōʻoia (CSRIC). Aia ʻo ia ma ka ʻoihana hoʻolālā kālā no nā makahiki he 20 a ke hoʻohana nei ʻo ia i kona mau lā e kōkua i nā mea kūʻai aku e loaʻa ka maopopo, ka hilinaʻi a me ka mālama ʻana i ko lākou ola kālā.
ʻO ka lula 50/30/20 kahi ala e hoʻokaʻawale ai i kāu kālā ma muli o ʻekolu mau ʻāpana: pono, makemake, a me nā pahuhopu kālā. ʻAʻole kēia he kānāwai paʻakikī a wikiwiki, akā he alakaʻi koʻikoʻi e kōkua iā ʻoe e kūkulu i kahi kālā kālā maikaʻi.
No ka hoʻomaopopo maikaʻi ʻana i ke ʻano o ka hoʻohana ʻana i ka lula, e nānā mākou i kona ʻano hope, pehea e hana ai a me kona mau palena, a e nānā i kahi laʻana. I nā huaʻōlelo ʻē aʻe, e hōʻike mākou iā ʻoe pehea a me ke kumu e hoʻonohonoho ai i kahi kālā me ka hoʻohana ʻana i ka lula 50/30/20 iā ʻoe iho.
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Ma mua o kou hoʻomaka ʻana e ʻimi i kahi home, pono ʻoe e ʻike i ka nui āu e hiki ai i ʻole ʻoe e hoʻopau manawa i ka nānā ʻana i nā hale i waho o kāu mau kumukūʻai. Inā ʻoe e hana, paʻakikī ke ʻike ʻole i ka pōkole ke ʻike ʻoe i nā hale kūʻai haʻahaʻa.
Na kāu loea moraki e kōkua i ka hōʻoia ʻana he koena kālā kāu e uku ai i kāu mau pono i kēlā me kēia lā, a me kekahi o kāu mau koho ola. Hoʻohana ka hapa nui o ka poʻe hāʻawi kālā i kēia mau lākiō ma ke ʻano he alakaʻi e helu ai i ka nui āu e hoʻolilo ai i nā lilo hale a me nā aie ʻē aʻe:
Pono paha ʻoe a me kāu loea moraki e noʻonoʻo e pili ana i nā lilo e hiki mai ana. Pono paha ʻoe e pani i kāu kaʻa i ka makahiki e hiki mai ana. A i ʻole inā e kali ana ʻoe i kahi pēpē, hiki ke hoʻololi i kāu kālā nā lilo e pili ana i nā keiki, a me ka haʻalele makua kāne.
