Ka uku panee moraki ma Germany
ʻO ka helu waena ma kahi moraki paʻa 30 makahiki he 5,27% me kahi APR o 5,28%, e like me Bankrate.com. ʻO ka moraki paʻa 15 mau makahiki he 4,60% me ka APR o 4,63%. Ma kahi moraki jumbo makahiki 30, he 5,20% ka awelika me ka APR o 5,21%. ʻO ka awelika o ka moraki 5/1 ARM he 3,90% me kahi APR o 4,83%.
Ma kahi moraki paʻa 30 makahiki, ʻo ka APR he 5,28%, haʻahaʻa ma mua o ka pule i hala. Aia i loko o ka APR, a i ʻole ka pākēneka makahiki, ka uku panee o kahi hōʻaiʻē a me nā lilo kālā o ia mea. ʻO ia ka huina kālā o ka hōʻaiʻē.
ʻO ka awelika o ka uku paneʻe ma nā moraki jumbo makahiki 30 he 5,20%. ʻO ka pule i hala aku nei, ʻo 5,33% ka awelika. ʻO ka uku pānaʻi paʻa 30-makahiki ma kahi moraki jumbo i kēia manawa ma luna o ka haʻahaʻa haʻahaʻa 52-wiki o 3,03%.
ʻO ka APR, a i ʻole ka pākēneka makahiki, he helu ia e pili ana i ka uku panee a me nā lilo kālā o kahi hōʻaiʻē, i hōʻike ʻia ma ke ʻano he kumu kūʻai makahiki no ke ola o ka hōʻaiʻē. ʻO ia hoʻi, ʻo ia ka huina kālā o ka hōʻaiʻē. Manaʻo ka APR i ka ukupanee, nā komisina a me ka manawa.
ʻO nā kumukūʻai moraki ma UK
He lawelawe hoʻohālikelike kūʻokoʻa mākou, kākoʻo hoʻolaha. ʻO kā mākou pahuhopu ke kōkua iā ʻoe e hana i nā hoʻoholo kālā ʻoi aku ka maikaʻi 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 ʻae ʻole, a e ʻae iā ʻoe e 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.
ʻO nā ʻano moraki ma ka US
ʻO ka nui a i ʻole nā haʻawina āpau ma kēia pūnaewele mai nā hui i loaʻa ai i nā Insiders ka uku (no ka papa inoa piha, ʻike maanei). Hiki i nā manaʻo hoʻolaha ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kēia pūnaewele (me ka laʻana, ka hoʻonohonoho ʻana o lākou) akā ʻaʻole pili i nā hoʻoholo hoʻoponopono, e like me nā huahana a mākou e kākau ai a pehea mākou e loiloi ai. Ke noiʻi nei ʻo Personal Finance Insider i kahi ākea o nā makana i ka wā e hana ai i nā ʻōlelo paipai; akā naʻe, ʻaʻole mākou e hōʻoiaʻiʻo i kēlā ʻike e hōʻike ana i nā huahana āpau a i ʻole nā haʻawina i loaʻa ma ka mākeke.
ʻO ka awelika ukupanee ma ka moraki paʻa 30-makahiki kaulana loa he 5,11%, e like me ka ʻikepili mai ka S&P Global. Ke loli mau nei nā kumukūʻai moraki, a he nui nā kumu e hiki ke hoʻololi i kāu uku uku. ʻOiai ʻo kekahi o lākou he mau mea pilikino āu e hoʻomalu ai, a ʻo nā mea ʻē aʻe ʻaʻole ʻoe, he mea nui e ʻike i ke ʻano o kāu uku paneʻe i ka wā e hoʻomaka ai i ke kaʻina o ka loaʻa ʻana o kahi hōʻaiʻē moraki.
He aha nā kumukūʻai moraki i kēia manawa? ʻOiai e loli ana nā kumukūʻai moraki i kēlā me kēia lā, ʻo 2020 a me 2021 nā makahiki o ka haʻahaʻa haʻahaʻa no ka moraki a me ka hoʻihoʻi hou ʻana i ka uku paneʻe ma waena o ʻAmelika. ka uku panee a ka mea hāʻawi kālā e hāʻawi iā ʻoe. ʻOkoʻa nā kumukūʻai moraki e ka mea hōʻaiʻē, ma muli o nā kumu e like me kāu hōʻaiʻē, ke ʻano o ka hōʻaiʻē, a
pākuʻi
E hoʻohana i kēia mea hana ma ke kaʻina hana kūʻai hale e ʻimi i ka laulā o nā uku ukupanee hiki iā ʻoe ke loaʻa. E ʻike pehea e hoʻopilikia ai kāu helu ʻaiʻē, ʻano hōʻaiʻē, ke kumu kūʻai home, a me ka nui o ka uku hoʻohaʻahaʻa i kāu uku ukupanee. ʻO ka ʻike ʻana i kāu mau koho a me ka mea e manaʻo ai e kōkua i ka loaʻa ʻana o kahi moraki kūpono iā ʻoe. E hoʻihoʻi pinepine: hoʻonui ʻia ka uku paneʻe i ka mea hana i kēlā me kēia Pōʻakolu a me Pōʻalima.
ʻOiai hiki i kekahi poʻe hāʻawi kālā ke hāʻawi aku i 15-makahiki FHA, VA, a i ʻole nā moraki hiki ke hoʻololi ʻia, he kakaikahi lākou. ʻAʻole lawa kā mākou ʻikepili e hōʻike i nā hopena o kēia mau hui. E koho i ka uku pānaʻi paʻa inā makemake ʻoe e hoʻāʻo i kēia mau koho.
Ke mākaukau ʻoe e kūʻai me ka ʻoiaʻiʻo, ʻo ka mea maikaʻi loa āu e hana ai no ka loaʻa ʻana o ka uku paneʻe ʻoi aku ka maikaʻi o kāu moraki, ʻo ia ke kūʻai a puni. Akā inā ʻaʻole ʻoe e hoʻolālā e kūʻai no kekahi mau mahina, nui nā mea e hiki iā ʻoe ke hana e hōʻoia i ka loaʻa ʻana o ka uku maikaʻi ma kāu moraki.
ʻO nā mea hāʻawi kālā i hoʻokomo ʻia i kā mākou ʻikepili he hui o nā panakō nui, nā panakō kūloko a me nā uniona hōʻaiʻē. Hoʻonui ʻia ka ʻikepili i ʻelua pule i kēlā me kēia Pōʻakolu a me ka Pōʻalima ma ka hola 7 o ke kakahiaka. I ka wā hoʻomaha, e hōʻano hou ʻia ka ʻikepili i ka lā ʻoihana e hiki mai ana.
