ʻO nā mea hoʻolimalima moraki a Nina
ʻAʻohe moraki hōʻoia kālā ma Kaleponi, i kapa ʻia hoʻi he moraki pepa ʻole o Kaleponi a i ʻole hōʻaiʻē hōʻaiʻē loaʻa kālā, ma mua o ka pilikia o ka hale 2008. Me nā kaohi hou aʻe e pili ana i ke ʻano o ke kālā e hōʻaiʻē ʻia, ʻo ia hoʻi i ka In the real estate world, it has e lilo i mea paʻakikī i ka loaʻa ʻana o kahi hōʻaiʻē no doc, akā naʻe, hiki nō ke hana ʻoe me ka mea hāʻawi kūpono.
ʻO ka moraki ʻaʻohe doc ma Kaleponi no ka poʻe hana pilikino a loaʻa ka loaʻa kālā paʻakikī ʻaʻole i hoʻokomo iā ʻoe i ke ʻano o nā koi kālā e pono ai ke loaʻa kahi hōʻaiʻē kuʻuna. Eia nō naʻe, he nui nā pōmaikaʻi i kahi moraki hōʻoia ʻole loaʻa kālā, me ka liʻiliʻi o ka pepa, a me ka hiki ke pani wikiwiki i kahi hale ma mua o kahi hōʻaiʻē e koi ana i nā palapala nui. Eia kekahi, ma muli o ka hāʻule ʻana o ka hale i ka makahiki 2008, ʻaʻohe moraki hōʻoia kālā ma Los Angeles, Kaleponi i ʻoi aku ka palekana o nā mea kūʻai aku ma mua o ka wā ma mua, e hāʻawi ana iā ʻoe i ka maluhia o ka noʻonoʻo i ka wā e hoʻopaʻa ai i kāu kālā home.
Pūʻulu moraki 360
ʻO Alt-A kahi hoʻokaʻawale ʻana o nā moraki me kahi ʻano pilikia e hāʻule ana ma waena o ka prime a me ka subprime. Hiki ke noʻonoʻo ʻia ka pilikia nui ma muli o nā kumu hoʻolako i hoʻonohonoho ʻia e ka mea hāʻawi. ʻOi aku ke kumukūʻai o kēia ʻano hōʻaiʻē no ka mea hōʻaiʻē, no ka mea hiki iā lākou ke lawe i ka uku ukupanee a/a i ʻole nā komisina.
Manaʻo pinepine ʻia nā hōʻaiʻē Alt-A i ka hoʻokele hoʻokele pilikia o ka mea hāʻawi. ʻO ka mōʻaukala, ua ʻike ʻia kēia mau hōʻaiʻē no ko lākou mau pae kiʻekiʻe o ka paʻamau, a ʻo kā lākou palahalaha ākea he kumu nui e alakaʻi ai i ka pilikia kālā o 2007-2008.
Nui nā mea e hoʻokaʻawale ai i nā moraki Alt-A mai nā ʻano hōʻaiʻē home ʻē aʻe. No ka laʻana, pili i nā hōʻaiʻē conforming i nā hōʻaiʻē moraki e kūlike me nā kūlana moraki i ʻae ʻia. Hoʻopaʻa ʻia nā hōʻaiʻē i kākoʻo ʻia e ke aupuni e ka hilinaʻi piha a me ka hōʻaiʻē o ke aupuni federal. ʻO nā hōʻaiʻē maʻamau hiki ke kūlike a ʻaʻole kūlike. Ma ka ʻaoʻao ʻē aʻe, ʻo nā hōʻaiʻē mai ka US Department of Agriculture (USDA), nā mea mai ka Federal Housing Administration (FHA) a me nā mea mai ka US Department of Veterans Affairs (VA) he mau ʻano hōʻaiʻē i kākoʻo ʻia e ke aupuni.
hōʻaiʻē ninja
ʻO ka hōʻaiʻē NINJA he huaʻōlelo slang no kahi hōʻaiʻē i hana ʻia me ka liʻiliʻi a ʻaʻole hoʻāʻo ʻia e ka mea hāʻawi e hōʻoia i ka hiki o ka mea noi ke uku. ʻO ia hoʻi "ʻaʻohe loaʻa kālā, ʻaʻohe hana, ʻaʻohe waiwai." ʻOiai ʻo ka hapa nui o nā mea hōʻaiʻē e koi i nā mea noi hōʻaiʻē e hāʻawi i ka hōʻoia o ke kahe mau o ka loaʻa kālā a i ʻole ka hōʻaiʻē kūpono, kahi hōʻaiʻē NINJA e kāpae i kēlā kaʻina hōʻoia.
ʻOi aku ka maʻamau o nā hōʻaiʻē Ninja ma mua o ka pilikia kālā 2008. Ma hope o ka pilikia, ua hoʻopuka ke aupuni US i nā lula hou e hoʻomaikaʻi i nā hana hoʻolimalima maʻamau i ka mākeke hōʻaiʻē, me ka hoʻopaʻa ʻana i nā koi hōʻaiʻē. I kēia manawa, kakaikahi nā hōʻaiʻē NINJA, inā ʻaʻole i pau.
ʻO nā hui kālā e hāʻawi ana i nā hōʻaiʻē NINJA e hoʻokumu i kā lākou hoʻoholo ma ka helu ʻaiʻē a ka mea hōʻaiʻē me ka ʻole o ka hōʻoia ʻana i kā lākou loaʻa kālā a waiwai paha, e like me ka hoʻihoʻi ʻana i ka ʻauhau, nā stubs uku, a i ʻole ka panakō a me nā ʻōlelo hoʻolaha. Pono nā mea hōʻaiʻē e loaʻa ka helu ʻaiʻē ma luna o kekahi paepae e hiki ai ke koho. Eia nō naʻe, no ka mea maʻamau ka loaʻa ʻana o nā hōʻaiʻē NINJA ma o nā mea hāʻawi subprime, ʻoi aku ka haʻahaʻa o kā lākou helu ʻaiʻē ma mua o nā mea hōʻaiʻē maʻamau, e like me nā panakō nui.
He aha nā moraki nina no loaʻa? ma ka laina
ʻO ka mea pōmaikaʻi, aia nā mana hou o ka hōʻaiʻē kālā i hōʻike ʻia e hiki ke kōkua. ʻO nā koho e like me ka Bank Statement Loan, Asset Depletion Loans, a me Real Estate Investor Loans hiki ke kōkua iā ʻoe e loaʻa kahi moraki me ka ʻole o ka hoʻihoʻi ʻauhau maʻamau.
Aia i kēia manawa ʻekolu mau koho kaulana i nā hōʻaiʻē kālā i hōʻike ʻia. Manaʻo ʻia lākou a pau he "Non-QM" (nā moraki ʻaʻole kūpono) no ka mea ʻaʻole lākou i kūlike me nā hōʻaiʻē moraki maʻamau a ʻaʻole hiki ke kūʻai ʻia iā Fannie Mae a i ʻole Freddie Mac.
ʻO ka moraki hōʻike panakō he mea kaulana loa ia i ka hōʻaiʻē kālā i hōʻike ʻia. He mea kūpono ia no ka poʻe ʻaiʻē paʻa, nā mea nona ka ʻoihana liʻiliʻi, ʻoihana ponoʻī a i ʻole hana, ka mea i loaʻa kālā he nui akā ʻaʻole hōʻike ʻia kā lākou ʻauhau ʻauhau.
ʻIke pū ʻia ʻo "nā hōʻaiʻē hoʻopau waiwai," "nā hōʻaiʻē hoʻohana waiwai," a me "nā moraki e pili ana i ka waiwai," ʻo kēia papahana hōʻaiʻē kahi koho maikaʻi loa i nā hōʻaiʻē kālā i hōʻike ʻia. A ʻo ka mea ʻoi aku ka maikaʻi, ʻaʻole ia no ka poʻe manuahi.
ʻAʻole pono nā hōʻaiʻē hoʻohana waiwai i ka hōʻoia o ka hana. ʻAʻole pono e hoʻolimalima nā mea hōʻaiʻē. Akā, hiki i kēia polokalamu ke loaʻa nā hōʻaiʻē me ka hoʻohana ʻana i kā lākou waiwai wai i hōʻoia ʻia.
