Hui aie federala moana
ʻO ka moraki i hoʻopaʻa ʻia he moraki helu ʻokoʻa i hoʻopili ʻia me ka uku kumu kūʻai o ka Bank of England, e piʻi a hāʻule paha me ia. E pili ana kēia i kāu mau uku mahina. Loaʻa kā mākou moraki nānā ʻia no ka manawa o 2 mau makahiki.
ʻO kahi moraki e uku ana i ka £ 184.000 ma luna o 35 mau makahiki, i ka manawa mua ma ka uku paʻa no 2 mau makahiki ma 3,19% a laila ma kā mākou helu hoʻololi o kēia manawa o 4,04% (ke lana nei) no nā makahiki he 33 i koe, e koi ʻia he 24 mau mahina o £728,09 a me 395 mahina. nā uku o £815,31, me ka uku hope o £813,59.
Hōʻike kēia i ka pākēneka o ka waiwai o ka waiwai āu e makemake ai e hōʻaiʻē. No ka laʻana, he £100.000 ka waiwai me ka £80.000 moraki e loaʻa iā LTV o 80%. ʻO ka nui o ka loan-to-value ratio a mākou e hāʻawi ai iā ʻoe ma muli o kou kūlana pilikino, ka waiwai, ka hōʻaiʻē āu e koho ai a me ka nui āu e ʻaiʻē ai.
Ua helu ʻia ka ERC ma ke ʻano he 1% o ka nui i uku mua ʻia, ma luna o kēlā me kēia haʻawina uku hoʻolimalima makahiki, no kēlā me kēia makahiki i koe o ka manawa i hoʻohana ʻia ai ka ERC, e emi ana i kēlā me kēia lā. Eia naʻe, (ma hope o ka noʻonoʻo ʻana i kāu haʻawina) e uku ʻia ka nui o 5% o kāu overpayment.
ʻO ka moraki hiki ke hoʻololi ʻia ma Kanada
Manaʻo mākou i nā huahana maikaʻi loa ma o ke kaʻina loiloi kūʻokoʻa, a ʻaʻole hoʻololi ʻia kā mākou mau koho e nā mea hoʻolaha. Loaʻa paha iā mākou ka uku inā e kipa ʻoe i nā hoa hana a mākou e paipai nei. E heluhelu i kā mākou ʻike ma nā mea hoʻolaha no ka ʻike hou aku.
I kēia lā, Mei 26, 2022, ʻo ka helu moraki paʻa o 30 mau makahiki he 5,31%, ʻo ka FHA 30-makahiki paʻa he 5,18%, ʻo ka Jumbo 30-makahiki paʻa ka helu he 4,57, 15%; ʻo ka 4,43-makahiki paʻa i ka 5%, a ʻo ka 1/4,12 ARM he XNUMX%. ʻAʻole kēia mau kumukūʻai ka uku ukupanee i hoʻolaha ʻia ma ka Pūnaewele a, e like me kā mākou ʻano hana, pono e hōʻike i nā mea e manaʻo ai nā mea kūʻai aku ma muli o kā lākou mau ʻike. Hiki iā ʻoe ke aʻo hou aʻe e pili ana i ka mea e ʻokoʻa ai kā mākou uku ma ka ʻāpana Methodology o kēia ʻaoʻao.
No ka mea hiki ke ʻokoʻa ka uku pānaʻi moraki, he mea nui e hoʻohālikelike i nā uku ma mua o kou lawe ʻana i kahi hōʻaiʻē home. Ua hōʻuluʻulu mākou i ka uku ukupanee maikaʻi loa no nā ʻano moraki like ʻole, a me nā nīnau maʻamau e ala mai e kōkua iā ʻoe e hoʻomaopopo i ka mea e pili ana i ka uku ukupanee hope āu e loaʻa ai.
ʻO nā awelika aupuni o nā kumukūʻai haʻahaʻa loa i hāʻawi ʻia e ka 200 o nā mea hōʻaiʻē kiʻekiʻe o ka lāhui, me ka 80% loan-to-value (LTV) ratio, kahi mea noi me ka FICO aie helu o 700-760, ʻaʻohe wahi moraki.
Nā ʻano o nā moraki Td
Ke ʻike nei ka poʻe Pelekane ʻo Kolombia, e hakakā nei me ka piʻi ʻana o ka inflation, ke ʻike nei i kā lākou piʻi ʻana i kēlā me kēia mahina ma muli o ka piʻi ʻana o ka huina kālā o ka Bank of Canada he 50%. He mea hou aku ka mea kakau moraki Consumer Matters Anne Drewa e pili ana i ka hopena o ka uku moraki a me na laina o ka aie, a pehea e hoemi ai i ka aie o ka mahina.
Ua kamaʻilio ʻo Global News me nā loea moraki a me nā ʻoihana waiwai e kōkua i ka hoʻohaʻahaʻa ʻana i nā mea e pono ai nā mea kūʻai aku e noʻonoʻo i ka wā e hoʻonui ai i nā helu ma ka uku home o kēlā me kēia mahina ma waena o ka piʻi ʻana o ka uku ukupanee.
Hāʻawi ka moraki paʻa i ka poʻe kūʻai hale i ka uku paneʻe paʻa no kahi manawa i hoʻonohonoho ʻia, maʻamau i hoʻonohonoho ʻia i loko o ʻekolu a ʻelima mau makahiki ma luna o ke ola o ka moraki. ʻAʻole pili koke kēia mau kumukūʻai e ka neʻe ʻana o ka uku paneʻe Bank of Canada - ʻoiai hiki ke helu ʻia ka piʻi ʻana i manaʻo ʻia i loko o ka uku i hāʻawi ʻia - a no laila e hāʻawi i kahi hiki ke wānana i nā uku o kēlā me kēia mahina i ka manawa. ʻO ka hoʻoholo ʻana i ka uku pānaʻi ʻo Canada, ʻoiai ke hoʻopaʻa nei nā ʻoihana kālā i kā lākou kumukūʻai nui i ka helu kikoʻī o ka panakō waena. No ka laʻana, hiki ke hāʻawi iā ʻoe i kahi moraki i kēia lā i ka uku nui o 3,2% me ka 0,6%, e like me Leah Zlatkin, ka mea kūʻai moraki a me ka loea ma lowestrates.ca.
ʻO nā ʻano moraki maikaʻi loa ma Kanada ma 5 mau makahiki paʻa
ʻOiai ʻike mākou he mea koʻikoʻi ka uku paneʻe, ʻaʻole pono ʻo ia wale nō ka mea hoʻoholo. ʻO nā hiʻohiʻona e hiki ai iā ʻoe ke uku wikiwiki i kāu moraki, me ka ʻole o nā uku a i ʻole nā uku, hiki ke like me ka mea nui i ke koho ʻana i ka hopena kūpono no ʻoe.
Loaʻa ka poʻe paʻa moʻokāki mua i nā hoʻemi kūʻokoʻa o ka uku paneʻe, a me ke komo ʻana i ke kākoʻo a me nā mea hana e pono ai lākou e kāohi i kā lākou ʻaiʻē, mālama i kā lākou kahe kālā a me ka hōʻaiʻē, a hoʻomaka e kūkulu i nā waihona, no laila hiki iā ʻoe ke hana i ka hapa nui o kāu mea, i kēia lā a ʻāpōpō.
Loaʻa ka poʻe paʻa moʻokāki mua i nā hoʻemi kūʻokoʻa o ka uku paneʻe, a me ke komo ʻana i ke kākoʻo a me nā mea hana āu e pono ai e kāohi i kāu ʻaiʻē, mālama i kāu kahe kālā a me ka hōʻaiʻē, a hoʻomaka e kūkulu i kāu waihona, no laila hiki iā ʻoe ke hana i ka hapa nui o kāu mea i loaʻa. , i keia la a me ka la apopo.
ʻOkoʻa nā huaʻōlelo moraki i hiki iā ʻoe ke hoʻohana i nā manawa kūpono i kāu kūlana kālā o kēia manawa. Loaʻa i nā ʻōlelo hoʻohiki no ka wā pōkole a me ka wā lōʻihi. E kōkua mākou iā ʻoe e hana i ka hoʻoholo kūpono.
