He manawa maikaʻi anei e kūʻai i hale ma Texas?
Wahi a kahi noiʻi hou ʻo Fannie Mae, he nui nā mea kūʻai aku e kānalua nei e kūʻai i hale ma 2022. ʻOi aku ma mua o 60% o nā mea pane e manaʻo nei e piʻi ka uku pānaʻi moraki, a ke ulu nei nā hopohopo e pili ana i ka palekana hana a me ka piʻi ʻana o nā kumukūʻai home.
No laila inā manaʻo ʻoe e neʻe i ka makahiki e hiki mai ana, e noʻonoʻo paha ʻoe, "He manawa maikaʻi anei kēia e kūʻai i hale?" ʻO ka ʻoiaʻiʻo, ʻoi aku ka nuanced o kēia nīnau ma mua o kou manaʻo. E nānā kēia ʻatikala i kekahi o nā kumu nui āu e noʻonoʻo ai ma mua o ke kūʻai ʻana i hale.
No ka hoʻoholo inā he manawa maikaʻi kēia e kūʻai ai i hale, e nānā i kāu kūlana kālā a me ke kumukūʻai o kēia manawa o nā hale ma kou wahi. Inā loaʻa kāu kālā i mālama ʻia no ka uku hoʻohaʻahaʻa a ua like a i ʻole ka liʻiliʻi o kāu uku moraki i manaʻo ʻia ma mua o kāu hoʻolimalima mahina, ʻo ke kūʻai ʻana i kēia manawa he koho maikaʻi paha.
I ka makahiki 2021, ua piʻi ka uku panee i nā haʻahaʻa haʻahaʻa, e hana ana i ke kūʻai ʻana i hale i kahi koho ʻoi aku ka maikaʻi. Eia naʻe, ke hoʻokiʻekiʻe nei ka Federal Reserve i ka uku paneʻe no ka manawa mua i 2 mau makahiki e kōkua i ke kaua ʻana i ka hoʻonui.
He manawa maikaʻi anei e kūʻai i hale i kēia manawa?
Loaʻa iā mākou ka uku mai kekahi mau hoa hana i hōʻike ʻia ma kēia ʻaoʻao. ʻAʻole mākou i loiloi i nā huahana āpau a i ʻole nā hāʻawi. Hiki i ka uku ke hoʻololi i ke ʻano i hōʻike ʻia ai nā makana ma ka ʻaoʻao, akā ʻaʻole pili ʻia kā mākou mau manaʻo hoʻoponopono a me nā loiloi e ka uku.
Nui a i ʻole nā huahana āpau i hōʻike ʻia ma ʻaneʻi mai kā mākou mau hoa hana e uku iā mākou i ke kōmike. ʻO kēia ke ʻano o ka loaʻa kālā. Akā ʻo kā mākou pono hoʻoponopono e hōʻoia ʻaʻole i hoʻopili ʻia nā manaʻo o kā mākou poʻe loea e ka uku. Pili paha nā kūlana i nā makana e hōʻike ʻia ana ma kēia ʻaoʻao.
Ua hoʻonui ʻia ka koi o ka mea kūʻai aku i ka makahiki 2021 no ka mea, ʻoi aku ka maikaʻi o ka hoʻolimalima ʻana i ka hale kūʻai. Akā inā nalo ʻoe i ka moku ma 2021, ʻo 2022 ka manawa kūpono e kūʻai ai i hale? Eia ke kumu—a ʻaʻole—he manaʻo maikaʻi.
Nā pōmaikaʻi o ke kūʻai ʻana i hale ma 2022 ʻO ka pono nui o ke kūʻai ʻana ma 2022? E hauʻoli i nā pōmaikaʻi o ka ʻona home ma mua o ka wā ma hope. Hiki iā ia ke kōkua iā ʻoe e hoʻonui i kāu waiwai ʻupena a hāʻawi iā ʻoe i nā koho hōʻaiʻē inā pono ʻoe.
2022 hale kuai hale
I ka wā e pili ana i ka hoʻokomo kālā ʻana i kahi waiwai, nui nā mea kūʻai hale e hoʻāʻo e wānana inā e piʻi ana ka waiwai o ka home a i lalo paha, ʻoiai e nānā ana i ka uku ukupanee moraki. He mau metric koʻikoʻi kēia e nānā ai inā ʻo ia ka manawa kūpono e kūʻai ai i home. Eia naʻe, ʻo ka manawa maikaʻi loa ke hiki ke loaʻa.
ʻO ke ʻano o ka hōʻaiʻē a ka mea kūʻai hale e koho ai e pili ana i ke kumukūʻai lōʻihi o ka home. Loaʻa nā koho hōʻaiʻē home ʻē aʻe, akā ʻo ka moraki paʻa 30 mau makahiki ka koho paʻa loa no nā mea kūʻai hale. E ʻoi aku ka kiʻekiʻe o ka uku pānaʻi ma mua o kahi hōʻaiʻē 15-makahiki (i kaulana loa no ka refinancing), akā ʻo ka 30-makahiki i hoʻopaʻa ʻia ʻaʻole ia e hōʻike i kahi pilikia o nā loli o ka wā e hiki mai ana. ʻO nā ʻano ʻano hōʻaiʻē ʻē aʻe ka moraki uku nui, ka moraki subprime, a me ka moraki "Alt-A".
No ka loaʻa ʻana o kahi moraki hale kūʻai nui, pono e loaʻa i ka mea hōʻaiʻē ka helu ʻaiʻē kiʻekiʻe, maʻamau 740 a ʻoi aku paha, a ʻaʻohe ʻaiʻē nui, e like me ka Federal Reserve. ʻO kēia ʻano moraki e koi pū i kahi uku nui, 10-20%. No ka mea, ʻo ka poʻe hōʻaiʻē me nā helu ʻaiʻē maikaʻi a me ka ʻaiʻē liʻiliʻi, ua manaʻo ʻia he haʻahaʻa haʻahaʻa, ʻo kēia ʻano hōʻaiʻē maʻamau e lawe i kahi pānaʻi haʻahaʻa haʻahaʻa, hiki ke mālama i ka mea hōʻaiʻē he mau kaukani kālā i ke ola o ka hōʻaiʻē.
He manawa maikaʻi anei ke kūʻai aku i hale?
No ka hapa nui o nā mea kūʻai hale, ʻo ka loaʻa ʻana o kahi moraki kahi ʻāpana o ke kaʻina hana o ke kūʻai ʻana i hale hou. Ma 2018, 86% o nā mea kūʻai aku i lawe i kahi moraki e kūʻai i ko lākou home. Inā ʻoe e noʻonoʻo nei e lilo i mea nona ka hale, e noʻonoʻo paha ʻoe inā paʻakikī ka loaʻa ʻana o kahi moraki i kēia manawa, a i ʻole ʻo ia ka manawa maikaʻi loa e ʻimi ai i kahi hōʻaiʻē home. ʻO ka ʻoiaʻiʻo, ʻokoʻa ka manawa kūpono e noi ai i kahi moraki no kēlā me kēia mea kūʻai. ʻO kāu moʻolelo hōʻaiʻē, ka nui o ke kālā āu i mālama ai, a me kāu loaʻa kālā a me ka mōʻaukala hana he mau mea liʻiliʻi ia e hiki ai ke hoʻoholo inā hiki iā ʻoe ke hōʻaiʻē home a me ka uku panee a me nā huaʻōlelo e hāʻawi ʻia iā ʻoe. ʻO kekahi mau mea, e like me ka uku pānaʻi mākeke a me ka manawa o ka makahiki, ke pāʻani pū kekahi i ka hoʻoholo ʻana i ka manawa maikaʻi loa e kiʻi ai i kahi moraki, akā pinepine ʻole kēia mau mea i kāu mana.
Inā ʻoe e noʻonoʻo nei e lilo i mea nona ka hale a noʻonoʻo inā ua kūpono ka manawa, e aʻo e pili ana i nā kumu e pili ana i kou ʻae ʻia ʻana i ka moraki a me kāu mea e hana ai e lilo i moho ʻoi aku ka maikaʻi.
Loaʻa i kēlā me kēia ʻano o ka hōʻaiʻē kekahi pilikia, no ka mea ʻaiʻē a me ka mea hāʻawi. ʻO kekahi o nā ala e hiki ai i nā mea hāʻawi kālā ke pale iā lākou iho ma ka hāʻawi ʻana i nā huaʻōlelo maikaʻi loa i ka poʻe me nā helu ʻaiʻē kiʻekiʻe. Inā ho'oholo ka mea hā'awi 'ai'ē 'a'ole lawa ka mo'olelo hō'ai'ē a ka mea e 'ai'ē nei, hiki iā ia ke hō'ole loa i ka palapala moraki a kēlā kanaka.
