helu moraki
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 ke kūleʻa i 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.
ʻAno moraki 意味
ʻO ka uku moraki ka uku ukupanee āu e uku ai ma kāu hōʻaiʻē moraki. Hoʻololi nā kumukūʻai moraki i kēlā me kēia lā a ua hoʻokumu ʻia ma luna o nā loli o ka mākeke, akā aia i kēia manawa i nā haʻahaʻa haʻahaʻa. Ma muli o kāu ʻano hōʻaiʻē, hiki i kāu uku pānaʻi ke uku paʻa a i ʻole ka uku hoʻololi i ka manawa o kāu moraki.
Ma kahi moraki paʻa 30 makahiki, e mau ana ka uku panee no nā makahiki 30 o ka hōʻaiʻē, me ka manaʻo e hoʻomau ʻoe i ka home i kēlā manawa. ʻO kēia mau ʻano moraki ke lilo i kekahi o nā mahalo kaulana loa i ke kūpaʻa a me nā uku mahina haʻahaʻa a lākou e hāʻawi ai i nā mea hōʻaiʻē i hoʻohālikelike ʻia me nā moraki paʻa 15 makahiki.
Hoʻohana ʻia kēlā me kēia mahina e uku i ka uku paneʻe a me ke kapikala, e uku ʻia i loko o 30 mau makahiki, no laila ʻoi aku ka haʻahaʻa o kēia mau uku moraki ma mua o ka hōʻaiʻē wā pōkole. Eia naʻe, e hoʻopau ʻoe i ka uku nui ʻana i ka ukupanee ma kēia ala.
ʻO kahi moraki 30 mau makahiki he mea maikaʻi loa ia, akā pono ʻoe e noʻonoʻo i ka lōʻihi o kou manaʻo e noho i kou home hou. Inā ʻo nā uku moraki haʻahaʻa i kēlā me kēia mahina ka mea nui iā ʻoe, pono ʻoe e noʻonoʻo i kahi moraki 30 makahiki me ke kōkua o kahi luna hōʻaiʻē.
ʻAno moraki 30 makahiki ma ʻAmelika Hui Pū ʻIa
ʻO ka uku paneʻe i ka makahiki 1971 aia ma ka waena waena o 7%, e piʻi mau ana i ka 9,19% i ka makahiki 1974. Ua emi pōkole lākou i ka waena waena o 8% ma mua o ka piʻi ʻana i 11,20%. ua piʻi nui i ka hoʻomaka ʻana o nā makahiki he ʻumi aʻe.
Ma nā XNUMXs a me XNUMXs, ua hoʻoneʻe ʻia ʻo ʻAmelika Hui Pū ʻIa i loko o ka hoʻemi ʻana e ka ʻaila embargo kūʻē i ka ʻāina. Ua hoʻokumu ka Organization of the Petroleum Exporting Countries (OPEC) i ka embargo. ʻO kekahi o kāna mau hopena ʻo ka hyperinflation, ʻo ia hoʻi ka piʻi wikiwiki ʻana o ke kumukūʻai o nā waiwai a me nā lawelawe.
No ka pale ʻana i ka hyperinflation, ua hoʻonui ka Federal Reserve i nā uku uku pōkole. Ua ʻoi aku ka waiwai o ke kālā ma nā waihona mālama kālā. Ma ka ʻaoʻao ʻē aʻe, piʻi aʻe nā uku ukupanee, no laila ua piʻi pū ke kumukūʻai o ka hōʻaiʻē.
Ua hōʻea ka uku panee i ko lākou helu kiʻekiʻe loa ma ka mōʻaukala hou i ka makahiki 1981, i ka manawa he 16,63% ka awelika makahiki, e like me ka ʻikepili Freddie Mac. Ua hāʻule nā kumukūʻai paʻa mai laila, akā ua pau ka ʻumi makahiki ma kahi o 10%. ʻO nā makahiki 80 he manawa kūʻai nui e hōʻaiʻē kālā.
Frb uku panee
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 5,25% a i 5,10%), e like me 15-makahiki paa uku (mai 4,43% a 4,31%), oiai 5/ Ua piʻi ka helu 1 ARM (mai 4,08% a i 4,20%). Hōʻuluʻulu helu o kēlā me kēia pule
Ua hāʻule ka helu o nā noi moraki i ka 1,2%, e like me ka Mortgage Bankers Association. "Ua hāʻule ka helu paʻa 30-makahiki no ka pule ʻelua i ka lālani i 5,46%, akā noho mau ma mua o ka mea i hoʻohana ʻia e nā mea hōʻaiʻē i nā makahiki ʻelua i hala. ʻO ka hapa nui o nā mea hōʻaiʻē hōʻaiʻē e noho ma ka ʻaoʻao ma muli o ka hopena, a ua hāʻule nā noi hoʻolimalima hou i loko o ʻeiwa o nā pule he 10 i hala. Hoʻohālikelike ʻia me Ianuali 2022, ua emi iho ka hana hoʻolimalima hou ʻana i ka 66%, "wahi a Joel Kan, Hope Hope Pelekikena o Economic and Industrial Forecasting ma ka MBA. "Ke kaupaona nei nā kumukūʻai moraki kiʻekiʻe i ke kūʻai ʻana i nā kūlana mākeke no ka mea ua lele ka papa kuhikuhi kūʻai kokoke i nā haʻahaʻa i ʻike ʻia i ka pūnāwai o 2020, i ka wā i hoʻopaʻa ʻia ai kahi hapa nui o ka hana ma muli o ka hoʻomaka ʻana o ka maʻi maʻi. I kēia manawa, ʻo nā kumukūʻai kiʻekiʻe, nā haʻahaʻa haʻahaʻa a me nā kumukūʻai kiʻekiʻe ke mālama nei i nā mea kūʻai aku ma waho o ka mākeke. "
