Kūkākūkā o ka uku panee 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.
uku panee hānai
ʻO ka awelika APR o ka moraki kuhikuhi 30-makahiki ma ka uku paʻa ua hāʻule i kēia lā i 5,45% mai ka 5,48% i nehinei. ʻO ka pule i hala a puni kēia manawa, ʻo ka APR moraki paʻa 30 makahiki he 5,50%. No kāna ʻāpana, ʻo ka awelika APR o ka moraki paʻa 15 makahiki he 4,75%. ʻO ka pule i hala a puni kēia mau lā like, ʻo ka APR moraki paʻa 15 makahiki he 4,88%. Kuhi ʻia nā kumukūʻai e like me APR.
ʻO ka awelika APR no kahi moraki jumbo paʻa 30 makahiki he 5,34%. ʻO ka pule i hala aku nei, ʻo ka awelika APR no kahi moraki jumbo makahiki 30 he 5,38%. ʻO ka awelika APR no kahi moraki 5/1 ARM he 4,91%. ʻO ka pule i hala aku nei, ʻo ka awelika APR ma kahi moraki 5/1 ARM he 4,82%.
ʻOiai e pili pono ana nā kumukūʻai moraki e ka US Treasury yield, piʻi ka piʻi ʻana o ka hoʻonui kālā a me ke kulekele kālā Federal Reserve e hoʻopili pono ʻole i ka uku moraki. I ka piʻi ʻana o ka inflation, pane ka Federal Reserve ma o ka hoʻohana ʻana i kahi kulekele kālā koʻikoʻi, e alakaʻi mau ana i ka piʻi ʻana o ka uku moraki.
"E piʻi aʻe ka piʻi ʻana o ka hoʻonui ʻana a pono e hoʻonui ka Fed i kāna helu kālā federal i ʻewalu a XNUMX mau manawa i ka piʻi ʻana o ka hapaha i kēia makahiki," wahi a Lawrence Yun, ka luna hoʻokele waiwai a me ka pelekikena poʻokela o ka noiʻi ma ka National Association of Realtors. (NAR). "Eia kekahi, e hoʻopau mau ka Fed i ka quantitative easing, e koi ana i nā kumukūʻai moraki no ka wā lōʻihi."
he moraki maikai
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-kiʻekiʻe 8% ma mua o ka piʻi ʻana i 11,20% i ka makahiki 1979. Ua hana ʻia kēia i ka wā o ka piʻi kiʻekiʻe i piʻi i ka hoʻomaka. i ka ʻumi makahiki e hiki mai ana.
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.
Helu helu 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.
