pākuʻi
He paʻakikī ka ʻike inā loaʻa iā ʻoe kahi moraki maikaʻi, pololei? He ʻokoʻa kēlā me kēia hale, ʻokoʻa ka loaʻa kālā o kēlā me kēia ʻohana a me ka laina lalo... akā inā ʻoe i ʻike i kekahi o nā kumukūʻai maʻamau a me nā uku ukupanee i ka wā e pili ana i nā moraki, e hoʻomaka paha ʻoe.
I ka wā e pili ana i nā moraki, e like me nā hōʻaiʻē, ʻo ka uku pānaʻi kekahi o nā mea nui loa. Eia naʻe, ʻaʻole e like me ka hapa nui o nā hōʻaiʻē ʻē aʻe, nui loa nā moraki - ʻo ia ka mea nui loa āu e lawe ai.
ʻO ka lakio o ka hōʻaiʻē i ka waiwai o ka waiwai e uku ai i ka moraki ka pilina ma waena o ka waiwai o kēia manawa a me ka nui maoli o ka moraki. Ka waiwai o ka moraki i puunaueia e ka waiwai o ka waiwai = LTV. Mai makaʻu i ka makemakika, e wehe i kāu kelepona a i ʻole e hoʻohana i ka helu helu LTV ʻo Which? Helu helu LTV
Pono ʻoe e noʻonoʻo i nā kumukūʻai moraki, hiki ke loaʻa ma nā wahi āpau mai £500 a i £2.000 a ʻoi aku paha. ʻAe kekahi mau mea hoʻolako moraki iā ʻoe e hoʻohui i nā kumukūʻai i ka moraki ponoʻī. 'O ia ho'i, 'a'ole 'oe e ho'oka'awale i ke kālā ke loa'a mua 'oe i ka moraki.
Uku moraki - deutsch
ʻO ke kumukūʻai maoli o ka loaʻa ʻana o ka moraki ma mua o ka uku moraki maʻamau. I loko o ke kaʻina hana moraki, hana ʻia kahi ʻano o nā lawelawe ma mua o ka pani ʻana o ka hōʻaiʻē. E wehewehe mākou i nā lawelawe maʻamau a me nā uku e pili ana i ka loaʻa ʻana o kahi moraki i ʻike ʻoe i ka mea e manaʻo ai.
Ke kūʻai ʻana i hale, ʻo ka uku hoʻohaʻahaʻa ʻoi aku ka nui o ka uku mua. ʻO ka uku hoʻohaʻahaʻa ka ʻokoʻa ma waena o ke kumukūʻai kūʻai o ka home a me ka nui o ka moraki e hāʻawi ai iā ʻoe. No ka laʻana, inā kūʻai ʻoe i hale $200.000 a hōʻaiʻē ʻia ʻoe i $190.000, ʻo kāu uku hoʻohaʻahaʻa he $10.000.
E hana ʻoe i ka uku mua ke pani ʻoe i ka hōʻaiʻē. I ka hapanui o nā hihia, pono e hana ʻia ka uku haʻahaʻa mai kahi waihona kālā a i ʻole kālā hoʻopukapuka. ʻO kekahi mau polokalamu hōʻaiʻē, e like me nā mea mai ka FHA, e ʻae iā ʻoe e hoʻohana i ke kālā makana no ka uku ʻana.
Pono nā ʻano hōʻaiʻē like ʻole i ka nui o ka uku mua. No ka laʻana, hiki iā ʻoe ke uku liʻiliʻi e like me ka 3% i lalo no ka loaʻa ʻana o kahi hōʻaiʻē maʻamau, ʻoiai ʻo nā hōʻaiʻē FHA e koi i kahi 3,5% uku. ʻO kekahi mau ʻano hōʻaiʻē, e like me nā mea mai ka VA a me USDA, e ʻae iā ʻoe e kūʻai i hale me ka uku ʻole.
helu moraki
Mai nā uku hoʻohaʻahaʻa i ka uku moraki, ʻinikua moraki pilikino a me ka ʻinikua o ka mea hale, nui nā mea e noʻonoʻo ai i ke kūʻai ʻana i hale. He mea maʻalahi ka helu ʻana i nā kumukūʻai mua, akā ʻo kahi mea nui e noʻonoʻo ai inā hiki iā ʻoe ke uku maoli i ka uku moraki, a inā paha ʻoe i mākaukau e kūʻai i home i hāʻawi ʻia i kāu loaʻa kālā o kēlā me kēia mahina.
ʻOiaʻiʻo, e hilinaʻi ka nui o kāu uku moraki i nā mea he nui, e like me ka nui o ka uku mua, ka uku paneʻe ma ka moraki, a me ka nui a me ka lōʻihi o ka hōʻaiʻē. Akā ʻo ka nānā ʻana i nā awelika ma kēia mau wahi hiki ke kōkua i ka poʻe kūʻai hale e hiki mai ana e nānā i kā lākou kālā e pale aku i nā poʻo kālā ma ke ala.
I ka nānā ʻana i nā uku moraki maʻamau, pono e hoʻomaopopo i ka ʻokoʻa ma waena o ka mean a me ka awelika. ʻOiai hiki i nā helu ʻelua ke hāʻawi i kahi manaʻo o ka mea e manaʻo ai, a i kekahi manawa hoʻohana ʻia e nā poʻe novice, ʻokoʻa kēia mau huaʻōlelo a no laila hiki ke alakaʻi i nā hopena like ʻole.
Awelika o ka uku moraki ma UK
ʻO ka helu ʻana i ke kumukūʻai o ka moraki ʻaʻole ia he hana wikiwiki a maʻalahi, no ka mea he nui nā ʻano o nā koina a me nā ʻano hoʻololi e pono e noʻonoʻo ʻia. Ma waho aʻe o nā kumukūʻai like ʻole, e like me ka uku paneʻe o nā hōʻaiʻē, aia nā manawa like ʻole o nā hōʻaiʻē a hoʻohana pinepine ʻia nā komisina i nā moraki. I ka helu ʻana i ke kumukūʻai maʻamau o kahi moraki, pono e nānā ʻia nā ʻano aʻe:
E hoʻomanaʻo i ka ʻokoʻa ʻana o nā kumukūʻai moraki mai ka mea hāʻawi aku i ka mea nāna e hāʻawi aku, a me nā makana like ʻole i loaʻa mai ka mea hāʻawi like no nā kūlana like ʻole, e laʻa, ka nui o ka hōʻaiʻē i ka waiwai, ka mōʻaukala aie a ka mea noi, etc.
No laila, he mea hoihoi loa ka uku pānaʻi moraki i ka poʻe noi moraki i kēia manawa, ʻoiai aia kekahi mau kumu ʻē aʻe ʻaʻole maikaʻi, e like me ke koi e hāʻawi i kahi waihona no ka loaʻa ʻana o kahi hōʻaiʻē moraki a me nā waiwai o ka hale kiʻekiʻe.
Hōʻike ka mākeke o kēia manawa e hāʻawi ana ʻo Halifax i kahi helu hoʻomaka e like me ka haʻahaʻa e like me 1,23% (paʻa 2 mau makahiki me ka LTV kiʻekiʻe o 75%). Ma ka ʻaoʻao ʻē aʻe o ka pālākiō he mau moraki no ka poʻe me nā pilikia hōʻaiʻē, me Kensington e hāʻawi ana i ka helu mua o 5,59% (5-makahiki paʻa a me 85% kiʻekiʻe LTV). No laila, aia kahi ʻokoʻa nui i ka uku panee i loaʻa, ma muli o ke kūlana o ka mea noi a me nā kikoʻī o ka hōʻaiʻē.
