Piʻi ka uku paneʻe
Ke koho ʻana i kahi moraki, mai nānā wale i nā haʻawina o kēlā me kēia mahina. He mea nui e hoʻomaopopo i ka nui o kāu uku pānaʻi e uku ai iā ʻoe, i ka wā e hiki ai ke piʻi aʻe, a me ke ʻano o kāu uku ke uku lākou.
I ka pau ʻana o kēia manawa, e hele ia i ka helu hoʻololi maʻamau (SVR), ke ʻole ia e moraki hou ʻia. ʻOi aku ka kiʻekiʻe o ka uku hoʻololi maʻamau ma mua o ka uku paʻa, hiki ke hoʻohui i ka nui i kāu mau uku mahina.
ʻO ka hapa nui o nā moraki i kēia manawa he "portable", ʻo ia hoʻi, hiki ke hoʻoneʻe ʻia i kahi waiwai hou. Eia nō naʻe, ua manaʻo ʻia ka neʻe ʻana he noi moraki hou, no laila pono ʻoe e hālāwai me nā loiloi affordability o ka mea hāʻawi kālā a me nā pae ʻē aʻe e ʻae ʻia no ka moraki.
ʻO ka lawe ʻana i kahi moraki ke ʻano pinepine wale nō ka mālama ʻana i ke koena i loaʻa ma ka uku hoʻemi o kēia manawa a i ʻole ka ʻaelike paʻa, no laila pono ʻoe e koho i kahi kuʻikahi ʻē aʻe no nā hōʻaiʻē neʻe hou, a ʻaʻole paha e kūlike kēia kuʻikahi hou me ka ʻaelike hou. ʻaelike.
Inā ʻike ʻoe e neʻe paha ʻoe i loko o ka manawa hoʻihoʻi mua o kekahi kuʻikahi hou, makemake paha ʻoe e noʻonoʻo i nā hāʻawi me ka haʻahaʻa a i ʻole nā kumu hoʻolimalima mua, e hāʻawi iā ʻoe i ke kūʻai hou aku i waena o nā mea hāʻawi kālā ke hiki mai ka manawa. neʻe
Ka wanana o ka uku panee moraki ma 2022
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.
He lawelawe hoʻohālikelike kūʻokoʻa mākou i kākoʻo ʻia e 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.
Ka uku panee Federal
Akā pono ʻoe e ʻimi i kahi moraki ma ke ala kūpono. ʻAʻole lawa ka hoʻohālikelike ʻana i nā uku ukupanee ma ka Pūnaewele. Pono ʻoe e lilo i mea kūʻai hoʻolālā a loaʻa i ka hōʻaiʻē me ka uku haʻahaʻa no kāu kūlana kālā.
No ka mea? No ka mea, ʻaʻole hōʻike ka uku i hoʻolaha ʻia i kou kūlana. ʻO ka ʻoiaʻiʻo, ʻaneʻane e hōʻike mau ana nā kumukūʻai pūnaewele i kahi mea hōʻaiʻē maikaʻi loa, me ka hōʻaiʻē maikaʻi loa, ka ʻaiʻē liʻiliʻi, a me ka uku haʻahaʻa o 20 pakeneka a ʻoi aku paha.
E holo pū ka mea hāʻawi i kahi hōʻike hōʻaiʻē a huki i kāu helu ʻaiʻē. He hopena nui kāu moʻolelo hōʻaiʻē i ka uku panee e hāʻawi ʻia iā ʻoe, no laila inā hiki, e hoʻolalelale i kāu hōʻike a me ka helu ma mua o ka noi ʻana.
ʻOi aku ka maikaʻi a ʻoi aku ka maikaʻi o kāu helu ʻaiʻē, a ke nānā nei paha ʻoe i nā huahana hōʻaiʻē like ʻole. Ma muli o nā mea nui o ka mea hāʻawi kālā - makemake lākou a pau i kekahi ʻano o nā mea hōʻaiʻē - ʻaʻole paha ia e like me ka hoʻokūkū no ʻoe e like me kāu hoa.
ʻOiaʻiʻo, hiki ke maikaʻi ke loaʻa kāu kālā āpau ma lalo o hoʻokahi hale. Akā inā ʻaʻole hāʻawi kāu panakō i kēia manawa i ka uku pānaʻi maikaʻi loa a i ʻole ka papahana hōʻaiʻē kūpono no kāu mau pono, ʻoi aku ka maikaʻi o ka lawe ʻana i kahi moraki me kahi mea hāʻawi ʻē aʻe.
Ka uku panee moraki
ʻO ke aʻo ʻana pehea e loaʻa ai ka uku moraki maikaʻi loa he mea nui ia o ka loaʻa ʻana o kahi hōʻaiʻē moraki. I loko o kahi hōʻaiʻē 30-makahiki, ʻoi aku ka ʻokoʻa ma waena o ka 4,00% a me ka 3,75% o ka huina kālā ma mua o $5.000 no kēlā me kēia $100.000 āu e ʻaiʻē ai. Me ka nui o nā hōʻaiʻē a me nā ʻokoʻa o ka uku paneʻe, e ʻike pū ʻoe i ka hopena o kāu uku mahina. ʻO kēia ka mea e pono ai ʻoe e ʻike no ka loaʻa ʻana o ka uku pānaʻi moraki maikaʻi loa.
Ma hea ʻoe e hoʻomaka ai, a inā ʻoe e noi ana i kāu moraki mua a i ʻole kāu moraki ʻelima, ʻo ka lawe ʻana i kēia mau ʻanuʻu no ka loaʻa ʻana o ka uku moraki maikaʻi loa hiki ke mālama iā ʻoe i ka nui o ke kālā, ʻoi aku ka lōʻihi. Hiki i kēia mau ʻōlelo aʻoaʻo ke kōkua iā ʻoe inā e kūʻai ana ʻoe i home a i ʻole e hoʻihoʻi kālā.
Pono e hoʻomaka ka hoʻāʻo e loaʻa ka uku panee maikaʻi loa ma kāu moraki ma ka nānā ʻana i kāu helu ʻaiʻē a me nā hōʻike me Equifax, Experian a me TransUnion, nā ʻoihana ʻaiʻē nui ʻekolu. Eia kahi laʻana o ka hana ʻana a me ka mea e nānā ai.
Inā ʻoi aku kāu helu ma lalo o 760, pono e hoʻomaikaʻi iā ia ma o ka hana ʻana i nā hana e hōʻemi i kāu mau koena a hana i nā uku āpau i ka manawa. ʻO ka loaʻa ʻana o ka hōʻaiʻē maikaʻi loa e ʻae iā ʻoe e komo i nā uku pānaʻi haʻahaʻa haʻahaʻa. ʻO ka myFICO Loan Savings Calculator he mea paahana maikaʻi loa ia no ka helu ʻana i ka nui āu e hiki ai ke mālama i kāu moraki ma ka hoʻomaikaʻi ʻana i kāu helu ʻaiʻē.
