100 moraki kālā kokoke iaʻu
Pono ka hapa nui o nā mea hāʻawi kālā iā ʻoe e uku i ka Lender's Mortgage Insurance (SMI) inā hāʻawi lākou iā ʻoe ma mua o 80% o ka waiwai o ka waiwai. Ua wehewehe mākou i ʻeono ala e ʻae ʻia ai no kahi hōʻaiʻē home ʻaʻohe waiho kālā. ʻAʻole koi kekahi o kēia mau koho iā ʻoe e uku iā LMI.
ʻO kēia ka koho hōʻaiʻē home ʻaʻohe waiho kālā maikaʻi loa i loaʻa ma Australia. Me kahi hōʻaiʻē home i hoʻopaʻa ʻia, e hoʻopaʻa ʻia kahi mea hōʻoia (ma ka hapa nui o kou mau mākua) i kā lākou waiwai i mea hōʻaiʻē i hiki iā ʻoe ke lawe i kahi hōʻaiʻē waiho ʻole.
ʻO kekahi poʻe hāʻawi kālā e ʻae i kahi waihona hōʻaiʻē a ʻaʻole koi i ka mālama kālā maoli, akā makemake paha ʻoe i kāu kālā ponoʻī e uhi i ka dute stamp a me nā lilo ʻē aʻe. Inā ʻaʻohe āu waihona ponoʻī, ʻaʻole paha e ʻae ʻia ʻoe no kahi hōʻaiʻē.
Nui nā koho hōʻaiʻē moraki ʻole. Eia nō naʻe, ua ʻike mākou i ka wā e loiloi ai mākou i ke kūlana pilikino o ka mea hōʻaiʻē, ʻoi aku ka maikaʻi loa o nā hōʻaiʻē home.
ʻAʻohe hōʻaiʻē waiho i lilo i koho maikaʻi no nā poʻe he nui ʻole ke kālā e hāʻawi i kahi moraki. ʻO kekahi o nā pōmaikaʻi nui o ka hoʻohana ʻana i kahi mea hōʻoia e loaʻa ai kahi hōʻaiʻē moraki me ka ʻole o ka waiho ʻana:
95% moraki ma UK
ʻO ka mea maʻamau, pono nā mea hāʻawi kālā ma kahi o 5% waihona e hāʻawi i kahi moraki. ʻO ka waiho kālā kiʻekiʻe aʻe, e ʻae ʻia ʻoe no nā mea hōʻaiʻē a me nā huahana hou aʻe, a me nā uku ukupanee maikaʻi aʻe; akā naʻe, ʻaʻole kēia he koho no nā mea kūʻai mua i ka mākeke o kēia lā. No ka poʻe hiki ʻole ke mālama i kahi waihona, a i ʻole ka poʻe makemake e komo koke i ka home, aia nā ala ʻē aʻe e pili ana i kahi waihona liʻiliʻi, a ʻaʻole loa i waiho ʻia He aha ka moraki 100%? ʻO kahi moraki 100%, ma nā ʻōlelo maʻalahi, he hōʻaiʻē e uhi ana i ka waiwai piha o ka hale e kūʻai ʻia, me ka ʻole o ka pono e mālama i kāu waihona. He mea koʻikoʻi ia e hoʻomaopopo ʻoiai he mea ʻoluʻolu paha kēia, ʻoi aku hoʻi i nā mea kūʻai mua, ʻo kahi moraki 100% (e hoʻohana ana i kahi mea hoʻolako hoʻokahi e hāʻawi i ke kumukūʻai kūʻai holoʻokoʻa) he mea kakaikahi a ʻaʻole i loaʻa ma ka mākeke o kēia manawa. Manaʻo pinepine ka poʻe hāʻawi kālā i kahi moraki me kahi waihona 0% he hoʻopukapuka pilikia loa.
100 kālā moraki helu helu
ʻO kahi moraki 100% e pili ana i kahi hōʻaiʻē no ke kumukūʻai piha o ka waiwai āu e kūʻai ai, ʻo ia hoʻi ʻaʻole pono ʻoe e waiho i kahi waihona. E ʻike ʻoe i kēia mau ʻano hōʻaiʻē i kapa ʻia ʻo 100% loan-to-value (LTV) moraki a i ʻole nā moraki waiho ʻole.
Inā kūʻai ka hale i ka £200.000, ʻo kahi moraki 100% e hōʻaiʻē ana ka mea hāʻawi iā ʻoe i ka £200.000. Hiki paha i ka 100% nā moraki ke ʻoluʻolu i ka poʻe kūʻai mua e hakakā nei e mālama, akā pilikia lākou a loaʻa ʻole i ka mākeke o kēia lā.
Loaʻa i nā moraki a pau nā lakio loan-to-value (LTV) e hōʻike ana i ka pākēneka o ka waiwai o ka waiwai āu e ʻaiʻē nei. ʻO ka 100% moraki ka manaʻo o ka waiwai piha o ka waiwai i hōʻaiʻē ʻia a hele mai me nā kūlana koʻikoʻi ma mua o ka wā ma mua.
Inā kūpono ʻoe, pono ʻoe e uku i kēlā me kēia mahina ma luna o kahi manawa i ʻaelike ʻia, akā e uku paha ʻoe i nā uku pānaʻi kiʻekiʻe no ka mea ʻaʻohe ou kaulike ma ka home. Hiki i nā mea hāʻawi kālā ke hāʻawi aku iā ʻoe i nā ratio loan-to-value haʻahaʻa a ʻoi aku ka maikaʻi.
Hāʻawi kekahi hoaaloha hilinaʻi a lālā paha o ka ʻohana i kā lākou waihona a waiwai paha i mea hōʻoia no ka moraki 100% ma nā moraki escrow. Ke hoʻohana ʻia ka hoʻopaʻa ʻana ma ke ʻano he hōʻaiʻē, waiho kāu hoaaloha a ʻohana paha i ke kālā i loko o kahi waihona mālama kūikawā, a mālama ʻia ke kālā ma ke ʻano he 100% moraki.
fha 100
I ka nui o nā moraki equity home, uku ʻoe i ka pākēneka o ka waiwai o ka home ma mua (ka waihona), a laila uku ka mea hāʻawi i ke koena (ka moraki). No ka laʻana, no kahi moraki 80%, pono ʻoe e kau i kahi waihona 20%.
Hiki i kāu mea hōʻoia ke waiho i ke kālā i loko o kahi waihona mālama kālā me ka mea hāʻawi moraki, maʻamau 10-20% o ke kumukūʻai o ka home. E noho ana ma laila no kekahi mau makahiki. I kēia manawa, ʻaʻole hiki i ka mea hōʻoia ke hoʻihoʻi i kekahi o ke kālā.
Ke loaʻa iā ʻoe kahi moraki 100%, ʻoi aku ka pilikia o ke komo ʻana i kahi kūlana kaulike maikaʻi ʻole. Inā hiki kēia, hiki iā ia ke hoʻopilikia inā makemake ʻoe e moraki hou a neʻe paha i nā hale. Hiki iā ʻoe ke hoʻopaʻa ʻia i loko o ka uku hoʻololi maʻamau o kāu mea hāʻawi aku a uku ʻoi aku ma mua o kou makemake me kahi hāʻawi hoʻokūkū.
ʻAe, aia kekahi mau mea hoʻolako moraki e ʻae iā ʻoe e loaʻa kahi waihona manawa. ʻO ka maʻamau he 10% o ka waiwai o ka home, pono e hāʻawi ʻia e kahi mea hōʻoia, e like me ka makua a i ʻole ka hoahānau.
Me kahi waiho manawaleʻa, waiho ʻia ke kālā i kahi waihona mālama kūikawā no kahi manawa i hoʻonohonoho ʻia. ʻO ka manawa maʻamau ka mea kūʻai aku e uku i ka nui like o ka hōʻaiʻē i loko o ka waihona mālama.
