Pehea e hoʻolauleʻa ai i ka uku moraki
ʻO ka nui o nā hāʻawi a me nā kāleka hōʻaiʻē i ʻike ʻia ma kēia pūnaewele mai nā mea hoʻolaha i loaʻa i kēia pūnaewele ka uku no ka hōʻike ʻana ma aneʻi. 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 ka ʻike ʻia ʻana). ʻAʻole hōʻike kēia mau makana i nā kāleka hōʻaiʻē a me nā koho moʻokāki. *APY (Hana Paneka Makahiki). Hāʻawi ʻia nā pae helu ʻaiʻē ma ke ʻano he alakaʻi wale nō a ʻaʻole ʻae ʻia ka ʻae ʻia.
Hoʻokumu ʻia ʻo Valencia Higuera ma Virginia a uhi i ka hoʻolilo kālā, kāleka hōʻaiʻē, a me ka hōʻaiʻē haumāna, me ka ʻike i ka noho ʻana, ka waihona kālā, a me nā moraki. ʻO ia ka mea hoʻolaha pilikino pili kālā. Ua hāʻawi aku ʻo Valencia i nā paʻi a me nā hale kūʻai me MSN, The Huffington Post, CBS News, Investopedia, a me nā mea hou aku.
Hoʻolaha hoʻolaha: ʻO ka nui o nā makana i ʻike ʻia ma kēia pūnaewele mai nā mea hoʻolaha i loaʻa i kēia pūnaewele ka uku no ka hōʻike ʻana ma aneʻi. 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 ka ʻike ʻia ʻana). ʻAʻole hōʻike kēia mau makana i nā koho moʻokāki āpau i loaʻa.
He aha nā palapala e loaʻa iaʻu ma hope o ka uku ʻana i ka moraki?
ʻO ka uku mua ʻana i kāu moraki hiki ke kōkua iā ʻoe e mālama i nā tausani kālā i ka ukupanee. Akā ma mua o kou hoʻomaka ʻana e hoʻolei i ke kālā he nui i kēlā ʻaoʻao, pono ʻoe e noʻonoʻo i kekahi mau mea e hoʻoholo ai inā he koho akamai.
I kēlā me kēia manawa āu e uku ai i ka moraki, ua māhele ʻia ma waena o ke kumupaʻa a me ka ukupanee. ʻO ka hapa nui o ka uku e hele i ka ukupanee i nā makahiki mua o ka hōʻaiʻē. E emi ana ka ukupanee i kou uku ana i ke kumupaa, oia ka nui o ke dala au i aie mua ai. I ka pau ʻana o ka hōʻaiʻē, hele ka hapa nui o ka uku i ke kumu.
Hiki iā ʻoe ke hoʻopili pololei i nā uku hou i kāu koena kumu moraki. ʻO ka hoʻolilo ʻana i nā uku hou i ke poʻo kumu e hōʻemi ana i ka nui o ke kālā āu e uku ai ma ka ukupanee ma mua o ka hiki ʻana o ka ukupanee. Hiki i kēia ke lawe i nā makahiki mai kāu manawa moraki a mālama iā ʻoe i mau tausani kālā.
E ʻōlelo mākou e hōʻaiʻē ʻoe i $150.000 e kūʻai i hale me 4% ukupanee a me 30 mau makahiki. Ke uku ʻoe i ka hōʻaiʻē, ua uku ʻoe i $107.804,26 i ka uku panee. Hoʻohui kēia i ka $150.000 āu i ʻaiʻē mua ai.
'Inikua hale ma hope o ka uku 'ana i ka moraki
Ma hope o ka uku ʻana i ka moraki, ʻike paha ʻoe i kahi manaʻo haʻaheo hou i kou home. Nou maoli ka hale. Loaʻa paha kāu kālā keu i kēlā me kēia mahina, a ʻoi aku ka haʻahaʻa o ka nalowale ʻana o kou home inā pilikia ʻoe.
Pono paha ʻoe e hana i nā mea ʻoi aku ma mua o ka uku moraki hope loa e hoʻopau ai i kāu kūlana homeownership hou. E ʻike i ka mea i manaʻo ʻia ke uku ʻoe i kāu moraki e hōʻoia i ka loaʻa ʻole o ka uku.
Ma mua o kou uku ʻana i kāu moraki hope loa, pono ʻoe e noi i kāu mea lawelawe hōʻaiʻē no kahi koho uku. Hiki iā ʻoe ke hana pinepine i kēia ma o ka pūnaewele o ka mea lawelawe ʻoiai e pili ana i kāu moʻokāki home aie. Inā ʻaʻole, hiki iā ʻoe ke kelepona iā lākou. E hoʻohana i kāu helu hōʻaiʻē. E loaʻa iā ʻoe ma kāu ʻōlelo moraki.
E hōʻike pololei ana ka waihona kālā amortization iā ʻoe i ka nui o ke kumupaʻa a me ka ukupanee āu e uku ai no ka loaʻa ʻana o kou home me ka uku ʻole ʻia. E haʻi pū ana ʻoe i ka lā āu e uku ai. Inā lōʻihi ka lōʻihi, ʻaʻole ia he pilikia nui. E ʻaiʻē hou aku ʻoe.
He aha ka hana ma hope o ka uku ʻana i ka moraki
Inā pilikia ʻoe i ka uku ʻana i ka moraki ʻelua a i ʻole ka hōʻaiʻē ʻē aʻe e pili ana i kāu waiwai, pono ʻoe e ʻimi i ka ʻōlelo aʻoaʻo mai kahi kākāʻōlelo aie ʻike. Hiki iā ʻoe ke loaʻa ka ʻōlelo aʻoaʻo ma ke keʻena lawelawe kamaʻāina.
Ua ʻōlelo nā lula e pono e mālama pono ka mea hōʻaiʻē moraki iā ʻoe a hāʻawi iā ʻoe i kahi manawa kūpono e ʻae ai e uku i ka ʻaiʻē, inā hiki iā ʻoe ke hana pēlā. Pono ʻoe e hoʻokō i kekahi noi kūpono āu e hoʻololi ai i ka manawa a i ʻole ke ʻano o ka uku ʻana i kāu moraki. Inā lawe ʻia kāu moraki ma mua o ʻOkakopa 2004, pono ka mea hāʻawi e mālama i ke code i loaʻa i kēlā manawa.
Inā manaʻo ʻoe ua mālama maikaʻi kāu mea hāʻawi i kāu hihia, pono ʻoe e kūkākūkā me kāu mea hāʻawi. Inā koho ʻoe e waiho i kahi hoʻopiʻi maʻamau, pono kāu mea hāʻawi e hōʻoia i ka loaʻa ʻana o kāu hoʻopiʻi i loko o 5 mau lā ʻoihana.
Inā ua nalo koke ʻoe i kāu hana a i ʻole kāu loaʻa kālā, e nānā inā loaʻa iā ʻoe ka ʻinikua palekana uku moraki. Ua kūʻai paha ʻoe i kahi kulekele i ka wā i loaʻa ai kāu moraki a i ʻole ma hope. ʻAʻole hiki ke lawe ʻia ka ʻinikua e ka mea hāʻawi.
