Heluhelu moraki moraki hale lua o UK
Hāʻawi ka hauʻoli i ka wā hoʻomaha o ke kauwela i nā poʻe he nui, akā no kekahi, ʻo ka ʻiʻini a puni ka makahiki no kahi home lua e lawe pū me ia i kahi melancholy. Inā ʻo ʻoe kekahi o kēlā poʻe makemake e loaʻa kahi wahi no ka hoʻomaha ʻana i ka hopena pule a me nā hoʻomaha lōʻihi a palaualelo i nā kau a pau, ʻo kāu noʻonoʻo mua ʻana pehea e loaʻa ai kēlā waiwai.
ʻAʻole kūʻai nui nā hale hoʻomaha a pau, akā, me ka hale lua ʻoi aku ka maikaʻi, pono ʻoe e hōʻoia e hiki i kāu kālā ke mālama i ke kumu o ka moraki hou a me ka uku ukupanee, nā ʻauhau waiwai, ka ʻinikua o nā mea hale a me nā uku o ka hui hale. Mai poina e waiho i kahi lumi i kāu kālā no ka mālama maʻamau, nā pili pili pono, a me ka hiki ke hoʻoponopono nui.
No nā mea kūʻai hale he nui, ʻo kahi hōʻaiʻē FHA-insured ka koho maikaʻi loa no ka mea e koi ana kēia mau hōʻaiʻē i ka uku hoʻohaʻahaʻa o 3,5% wale nō, a hāʻawi nā mea hāʻawi i nā hōʻaiʻē i nā mea hōʻaiʻē me nā helu ʻaiʻē haʻahaʻa, a hiki i 580 a i ʻole ka haʻahaʻa i kekahi mau hihia. Eia naʻe, ʻaʻole hiki i nā mea kūʻai hale ʻelua ke hoʻohana i nā hōʻaiʻē FHA no kā lākou kūʻai ʻana; Ua kaupalena ʻia kēia mau hōʻaiʻē i nā hale i noho mua ai ka poʻe ʻaiʻē.
ʻO nā ʻano moraki no nā hale ʻelua me nā waiwai waiwai
Pono e hoʻopaʻa ʻia ma DU a loaʻa iā ia kahi ʻōlelo aʻoaʻo i ʻae ʻia, koe naʻe nā hōʻaiʻē kiʻekiʻe-LTV refinance pono e kākau ʻia ma lalo o ke Alternative Rating Pathway (e nānā i ka B5-7-03, Alternative Rating Pathway). High LTV Refinancing).
1. Inā ʻike ka mea hāʻawi kālā i ka loaʻa kālā hoʻolimalima mai ka waiwai, ua kūpono ka hōʻaiʻē no ka hoʻokaʻawale ʻana ma ke ʻano he hale ʻelua inā ʻaʻole hoʻohana ʻia ka loaʻa kālā no nā kumu kūpono, a ua hoʻokō ʻia nā koi ʻē aʻe a pau no nā hale ʻelua (me ke koi o ka noho mua ʻana).
ʻO kekahi mau hōʻaiʻē i hoʻopaʻa ʻia e nā hale ʻelua e pili ana i kahi LLPA. Hoʻohui kēia LLPA i nā hoʻololi kumu kūʻai ʻē aʻe e pili ana i ke kālepa i nīnau ʻia. E nana i ka Loan Level Pricing Adjustment Matrix (LLPA).
No ka ʻike hou aku e pili ana i nā ʻano noho, e ʻike i ka B2-1.1-01, Nā ʻano noho. No nā lakene LTV/CLTV/HCLTV kiʻekiʻe i ʻae ʻia a me nā koi helu ʻaiʻē ʻelele no kahi home lua, e ʻike i ka Eligibility Matrix.
Uku ukupanee ma na moraki no na hale lua me na hale mua
Hoʻolālā ʻia kā mākou moraki hale ʻelua no kēlā me kēia mea e makemake ana e kūʻai i kahi hale noho lua, hiki ke lilo i hale lua e kokoke aku i ka hana, kahi home no ka ʻohana e noho ai a i ʻole he hale hoʻomaha e hoʻohana pilikino (ʻaʻole kēia mau waiwai. e hoʻohana ʻia no nā hana ʻoihana a hoʻolimalima paha). Ke mālama nei i kēia, ua hoʻolālā mākou i kahi kikoʻī o nā huahana e hoʻokō i kāu mau pono ma nā ʻano like ʻole.
Ka helu paʻa mua a hiki i ka 30/09/24. Ma hope, e hoʻololi i ka SVR o ka Hui me ka emi ʻana o 1,25%, a hiki i ka 30/09/2027. 30/09/2027, (i kēia manawa) A laila ʻo ka SVR o ka Hui ma hope, (i kēia manawa) Ka huina kālā no ka hoʻohālikelike ʻana (APRC)LTV kiʻekiʻe o ka uku hoʻonohonoho huahana.
ʻO kahi moraki £105.000 i uku ʻia ma luna o 25 mau makahiki, i ka manawa mua ma ka helu paʻa no 2 mau makahiki ma 3,39% a laila ma kahi hoʻemi 1,25% ma kā mākou helu hoʻololi maʻamau o kēia manawa o 5,54%, e hoʻonui ana i ka helu o 4,29% no 3 mau makahiki a laila. i kā mākou helu maʻamau maʻamau o 5,54% no nā makahiki he 20 i koe, e koi ana i 24 mau uku mahina o £519,03, 36 mau uku mahina o £567,04 a me 240 mau mahina o £629,72.
ʻO nā ʻano moraki maikaʻi loa no nā hale lua
Ma kahi kokoke i ʻekolu hapaha miliona o nā hale ma ʻEnelani he hale lua, ma kahi o ka hapalua miliona ma UK, e like me nā helu mana. .
ʻO ke kiʻekiʻe o ka waihona e hiki iā ʻoe ke waiho i lalo, ʻo ka haʻahaʻa haʻahaʻa o ka uku pānaʻi e loaʻa iā ʻoe ma kahi moraki, no laila pono ʻoe e uku i ke kālā liʻiliʻi i ka huina. ʻOi aku ka maikaʻi o ka loaʻa ʻana o kahi waihona nui e like me ka hiki.
Aia nā mea a pau i kou kūlana, ka nui o kāu hoʻolilo ʻana ma ka waiwai, ka noiʻi āu i hana ai a me kāu mea e manaʻo ai e hana me ka waiwai e ʻike ai inā he waiwai maikaʻi ia. Hiki iā ʻoe ke heluhelu hou aʻe e pili ana i ka hoʻopukapuka waiwai ma aneʻi.
Akā hiki iā ʻoe ke ʻike iā ia he ala e hoʻolilo ai i kāu mau hoʻomaha hoʻomaha a me kahi mea e kūʻai aku ai i ka wā e hiki mai ana. Inā ʻoe e noʻonoʻo nei inā he manawa maikaʻi ia e hoʻolilo i ka waiwai, e nānā i kā mākou ʻatikala ma aneʻi.
Pono e noʻonoʻo ʻia kahi moraki home inā lilo ʻoe i "mea nona ka hale pōʻino." Hiki paha iā ʻoe ke kūʻai aku i kou home a koi ʻia ʻoe e hoʻolimalima.
