Palapala o ka uku moraki 30 makahiki
Ua emi iki ka uku panee moraki no elua mau aie mai kela pule aku a i keia pule: 30-makahiki i emi iki mai (mai 5,30% a i 5,25%), e like me 15-makahiki paa uku (mai 4,48% a 4,43%), oiai 5/ Ua piʻi ka helu 1 ARM (mai 3,98% a i 4,08%). Hōʻuluʻulu helu o kēlā me kēia pule
Ua hāʻule ka nui o nā noi moraki i ka 11%, e like me ka Mortgage Bankers Association. "Ua hāʻule nā noi moraki no ka manawa mua i loko o ʻekolu pule, ʻoiai ʻo ka hāʻule ʻana o ka moraki - ʻoiai ʻo ka hāʻule ʻana o ka pule i hala - ua noho ʻoi aku ma mua o ʻelua mau pākēneka ma mua o ka makahiki i hala aku nei a kokoke i nā pae kiʻekiʻe loa mai 2009. ʻO ke kiʻekiʻe o nā kumukūʻai e noho mau nei i kahi disincentive koʻikoʻi, "wahi a Joel Kan, Hope Hope Pelekikena o ka Economic and Industrial Forecasting ma ka MBA. "Ua hāʻule nā noi kūʻai aku i ka 12% i ka pule i hala aku nei no ka mea ua hoʻopau ʻia nā mea kūʻai hale e ka piʻi ʻana o nā kumukūʻai a me ka piʻi ʻana o nā kūlana affordability. Eia kekahi, ʻo ka kānalua nui e pili ana i ka nānā ʻana i ka wā kokoke, a me ka volatility hou i ka mākeke waiwai, hiki ke hoʻolōʻihi i kekahi mau ʻohana i kā lākou ʻimi hale.
Ka pakuhi o ka uku panee moraki
Ke koho ʻana i kahi moraki, mai nānā wale i nā haʻawina o kēlā me kēia mahina. He mea nui e hoʻomaopopo i ka nui o kāu uku pānaʻi e uku ai iā ʻoe, i ka wā hiki ke piʻi aʻe, a he aha kāu mau uku ma hope o ia.
I ka pau ʻana o kēia manawa, e hele ia i ka helu hoʻololi maʻamau (SVR), ke ʻole ia e moraki hou ʻia. ʻOi aku ka kiʻekiʻe o ka uku hoʻololi maʻamau ma mua o ka uku paʻa, hiki ke hoʻohui i ka nui i kāu mau uku mahina.
ʻO ka hapa nui o nā moraki i kēia manawa he "portable", ʻo ia hoʻi, hiki ke hoʻoneʻe ʻia i kahi waiwai hou. Eia nō naʻe, ua manaʻo ʻia ka neʻe ʻana he noi moraki hou, no laila pono ʻoe e hālāwai me nā loiloi affordability o ka mea hāʻawi kālā a me nā pae ʻē aʻe e ʻae ʻia no ka moraki.
ʻO ka "Porting" kahi moraki ke ʻano pinepine wale nō ka mālama ʻana i ke koena e kū nei ma ka ʻaelike paʻa a hoʻemi paha, no laila pono ʻoe e koho i kahi kuʻikahi ʻē aʻe no nā hōʻaiʻē neʻe hou, a ʻaʻole paha e kūlike kēia kuʻikahi hou.
Inā ʻike ʻoe e neʻe paha ʻoe i loko o ka manawa hoʻihoʻi mua o kekahi kuʻikahi hou, makemake paha ʻoe e noʻonoʻo i nā hāʻawi me ka haʻahaʻa a i ʻole nā kumu hoʻolimalima mua, e hāʻawi iā ʻoe i ke kūʻai hou aku i waena o nā mea hāʻawi kālā ke hiki mai ka manawa. neʻe
Ka uku panee moraki
He lawelawe hoʻohālikelike kūʻokoʻa mākou, kākoʻo hoʻolaha. ʻO kā mākou pahuhopu ke kōkua iā ʻoe e hoʻoholo i nā hoʻoholo kālā ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka pahuhopu, a hiki iā ʻoe ke alakaʻi i ka noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
ʻO nā hāʻawi i hōʻike ʻia ma kēia pūnaewele mai nā hui e uku mai iā mākou. Hiki i kēia uku ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kēia pūnaewele, me ka laʻana, ke ʻano o ke ʻano e ʻike ʻia ai i loko o nā papa inoa. Akā ʻaʻole pili kēia uku i ka ʻike a mākou e paʻi ai, a me nā loiloi āu e ʻike ai ma kēia pūnaewele. ʻAʻole mākou e hoʻokomo i ka honua o nā hui a i ʻole nā haʻawina kālā i loaʻa iā ʻoe.
ʻO kā mākou mea hoʻolaha moraki a me nā mea hoʻoponopono e kālele ana i ka mea e mālama nui ai nā mea kūʻai aku - ʻo ka uku ukupanee hou loa, nā mea hāʻawi maikaʻi loa, ka hoʻokele ʻana i ke kaʻina hana kūʻai hale, hoʻihoʻi kālā i kāu moraki a me nā mea hou aku - i hiki iā ʻoe ke hilinaʻi i ka wā e hoʻoholo ai ma ke ʻano he mea kūʻai a nona he home.
Waiwai
Ua kōkua kā mākou poʻe loea iā ʻoe e hoʻokele i kāu kālā no nā makahiki he ʻehā. Hoʻoikaika mau mākou e hāʻawi i nā mea kūʻai aku i ka ʻōlelo aʻoaʻo a me nā mea hana e pono ai lākou e kūleʻa i loko o ka huakaʻi kālā o ke ola.
ʻAʻole uku kā mākou mea hoʻolaha iā mākou no nā loiloi maikaʻi a i ʻole nā manaʻo. Loaʻa i kā mākou pūnaewele nā papa inoa manuahi a me ka ʻike e pili ana i nā lawelawe kālā like ʻole, mai nā moraki a i ka waihona kālā a i ka ʻinikua, akā ʻaʻole mākou e hoʻokomo i kēlā me kēia huahana ma ka mākeke. Eia kekahi, ʻoiai mākou e hoʻoikaika nei e hana i kā mākou papa inoa e like me ka hiki, e ʻoluʻolu e nānā me nā mea kūʻai aku no ka ʻike hou loa.
Inā ʻoe e ʻimi nei i kahi hōʻaiʻē ʻoi aku ma mua o $548.250, hiki i nā mea hāʻawi kālā ma kekahi mau wahi ke hāʻawi iā ʻoe i nā huaʻōlelo ʻokoʻa ma mua o nā mea i helu ʻia ma ka papa ma luna. Pono ʻoe e hōʻoia i nā kūlana me ka mea hāʻawi kālā no ka nui o ka hōʻaiʻē i noi ʻia.
ʻAʻole hoʻokomo ʻia nā ʻauhau a me nā ʻinikua mai nā ʻōlelo hōʻaiʻē: ʻAʻole nā huaʻōlelo hōʻaiʻē (nā hiʻohiʻona o APR a me nā uku) i hōʻike ʻia ma luna nei i ka nui o nā ʻauhau a i ʻole nā uku inikua. ʻOi aku ka nui o kāu uku mahina inā hoʻokomo ʻia nā ʻauhau a me nā uku inikua.
