Hiki iā ʻoe ke hoʻololi i ka moraki i ka uku paʻa
Ke piʻi aʻe ka waiwai o kou home, pēlā nō kāu laina aie, e hāʻawi ana iā ʻoe i ka mana a me ka maʻalahi e hoʻolilo maʻalahi i kāu papahana hoʻomaikaʻi home e hiki mai ana, ka hoʻonaʻauao ʻana o kahi lālā o ka ʻohana, a i ʻole e hoʻohui i ka ʻaiʻē, ma nā uku haʻahaʻa ma mua o ka hapa nui o nā koho hōʻaiʻē.
E noi hoʻokahi a hōʻaiʻē hou a hiki i kāu palena aie i loaʻa me ka pono ʻole e noi hou. E komo maʻalahi i kāu hōʻaiʻē ma o RBC Online Banking, ka RBC Mobile app, RBC ATMs, nā lālā a i ʻole ma ka nānā.
He mea nui e hoʻomaopopo i nā pono a me nā pilikia o nā koho hōʻaiʻē i loaʻa iā ʻoe. No ka laʻana, hiki mai ka ʻāpana Real Credit Line o RBC's Home Line Plan me kahi pākēneka hiki ke piʻi i luna a i lalo me ka uku nui o RBC.
I ka manawa like, no ka mea ua hoʻopaʻa ʻia ka laina o ka hōʻaiʻē e kāu waiwai paʻa, ʻo ka uku ukupanee pinepine kekahi o nā mea haʻahaʻa loa. Pono ʻoe e kamaʻilio mau me kahi kākāʻōlelo RBC e loiloi i kāu kūlana kālā a me nā koho i kūpono i kāu pono.
Hiki ke kōkua i ka hoʻonui ʻana i kāu kahe kālā ma nā ʻano he nui. Hiki ke hoʻohana ʻia no ke kūʻai nui ʻana, hoʻohui i ka ʻaiʻē me nā uku ukupanee kiʻekiʻe, a hoʻolilo i nā pahuhopu ʻē aʻe ma ke kumu hōʻaiʻē haʻahaʻa.
Laʻana o ka moraki uku paʻa
ʻAʻole ʻokoʻa nā ʻAmelika, e like me ka ʻōlelo Pelekania. Akā, noho lākou i kahi ʻāina nui loa, a hiki ke loaʻa ka hopena like. Inā he mea ʻokoʻa e pili ana iā ʻAmelika, ʻaʻole ʻike ka poʻe ʻAmelika i kekahi manawa i ke ʻano o ia mea. He ʻokoʻa nā moraki ʻAmelika. ʻOi aku ka maikaʻi o ka huaʻōlelo "Rare".
ʻO Patrick Lawler, e like me ka wehewehe ʻana e James Hagerty, ua hoʻāʻo e wehewehe i ka poʻe ʻAmelika ʻo kā lākou mau moraki paʻa 30-makahiki ʻaʻole ia he 30 mau makahiki paʻa i ka moraki, a he ʻano ʻē, lapuwale, a me ka pōʻino. Ua hāʻule ʻo ia, no ka pau ʻana paha o ka manawa. Ua hala ʻo Richard Green i kāna pahuhopu (H/T Mark Thoma). No laila e hoʻāʻo wau.
ʻO ka mea mua, ʻaʻole 30 makahiki nā moraki 30 makahiki ʻAmelika a ʻaʻole lākou i paʻa. He loli ka hua'ōlelo a he loli ka uku. ʻO ia no ka mea he moraki "wehe" lākou, ma mua o nā moraki "pani". ʻO kahi moraki i pani ʻia ma 6% no 30 mau makahiki he manawa paʻa a me ka uku paʻa. ʻIke maopopo ʻoe i ka nui āu e uku ai i kēlā me kēia mahina no nā makahiki he 30 e hiki mai ana. ʻO ka moraki hāmama, aia iā ʻoe ke koho e uku a hoʻihoʻi hou i kēlā moraki i kēlā me kēia manawa i nā makahiki he 30 e hiki mai ana. A, ʻoiaʻiʻo, e hoʻohana ʻoe i kēlā koho i kēlā me kēia manawa ke haʻahaʻa ka uku mākeke no ke koena o ka manawa ma mua o ka mea āu e uku nei. A e hoʻoikaika hou ia, inā hāʻule hou ka mākeke. No laila, ʻo ka huaʻōlelo maoli ka mea āu e makemake ai, a ʻokoʻa maoli ka uku pānaʻi āu e uku ai, inā hāʻule nā uku kūʻai no ke koena o ka manawa ma lalo o ka helu mua, ʻoiai lākou e ʻike ai (e like me kaʻu e wehewehe ai).
ʻO nā pono a me nā pōʻino o nā moraki paʻa
ʻO nā hiʻohiʻona a me nā hiʻohiʻona o kēia ʻatikala e pili ana i ʻAmelika Hui Pū ʻIa a ʻaʻole i hōʻike i ka ʻike honua o ke kumuhana. Hiki iā ʻoe ke hoʻomaikaʻi i kēia ʻatikala, kūkākūkā i ke kumuhana ma ka ʻaoʻao kamaʻilio, a i ʻole e hana i kahi ʻatikala hou, inā kūpono. (Malaki 2011) (E aʻo pehea a me ka wā e wehe ai i kēia memo mai ka laʻana)
ʻO ka Moraki Paʻa Paʻa (FRM) he hōʻaiʻē home kahi e mau ai ka uku paneʻe ma ka memo no ke ola o ka hōʻaiʻē, e kū'ē i nā hōʻaiʻē kahi e hiki ai ke hoʻololi a "float" paha ka uku paneʻe. ʻO ka hopena, ua hoʻopaʻa ʻia ka nui o ka uku a me ka lōʻihi o ka hōʻaiʻē a ʻo ke kanaka ke kuleana no ka uku ʻana i nā pōmaikaʻi o ka hōʻaiʻē mai ka uku hoʻokahi a mau a me ka hiki ke hoʻolālā i kahi kālā e pili ana i kēia kumukūʻai paʻa.
ʻO nā ʻano ʻano hōʻaiʻē ʻē aʻe, ʻo ia ka moraki ukupanee wale nō, ka moraki uku lohi, ka moraki uku hoʻololi (me nā moraki hiki ke hoʻololi ʻia a me nā moraki hoʻopaʻa ʻana), ka moraki amortization maikaʻi ʻole a me ka moraki uku baluna. ʻAʻole like me nā ʻano hōʻaiʻē ʻē aʻe, hoʻopaʻa ʻia nā uku ukupanee FRM a me ka lōʻihi o ka hōʻaiʻē mai ka hoʻomaka a i ka pau ʻana.
ʻO ke ʻano o ka moraki uku paʻa
Hāʻawi ka Bank of Baroda i nā hōʻaiʻē moraki i nā limahana ʻelua a me ka poʻe hana pilikino ma ka liʻiliʻi liʻiliʻi e hoʻomaka ana ma 6,50%. Ma waho aʻe o ka uku paneʻe, hoʻopiʻi ka panakō i nā uku ʻē aʻe e like me ka uku hana Bank of Baroda a me ka uku hoʻokō a me ka uku mua no ka pani ʻana a i ʻole ka uku mua ʻana i ka hōʻaiʻē ma mua o ka pau ʻana o ka manawa hōʻaiʻē.
Hāʻawi ka Bank of Baroda i kahi uku pānaʻi home o 6,50%. Inā makemake ʻoe e hoʻohana pono i ka hōʻaiʻē home ma nā kumukūʻai haʻahaʻa loa, pono ʻoe e loaʻa kahi helu CIBIL maikaʻi, kahi ratio aie-i-loaʻa a me ka hiki ke uku. Eia kekahi, ʻoi aku ka haʻahaʻa o ka uku pānaʻi home ʻo Bank of Baroda no nā mea kūʻai aku o ka panakō a me nā poʻe e hana nei i nā ʻoihana kaulana me ka mōʻaukala hana paʻa.
Hāʻawi ka Bank of Baroda i nā hoʻolālā hōʻaiʻē home he nui i nā kumukūʻai kūpono. Eia nō naʻe, pono ʻoe e hoʻohālikelike ma waena o ka Bank of Baroda home loan interest a me nā uku hōʻaiʻē home mai nā waihona ʻē aʻe ma mua o ka noi ʻana: -
He mea maikaʻi ka lawelawe hoʻoili ʻaiʻai home a Bank of Baroda no nā mea kūʻai hōʻaiʻē home i kēia manawa e uku nui ana i kā lākou mea hāʻawi kālā. Ma o kēia keʻena, hiki iā ʻoe ke hoʻololi i kāu hōʻaiʻē home i kēia manawa i ka Bank of Baroda ma kahi haʻahaʻa haʻahaʻa me ka ʻole o ka pani ʻana i ka waihona. Eia nō naʻe, pono ʻoe e nānā i nā uku hoʻokō āu e uku ai i kāu mea hāʻawi i kēia manawa inā he hōʻaiʻē paʻa. I kēia manawa, hāʻawi ka Bank of Baroda i kahi helu hoʻoili hōʻaiʻē o 6,50%.
