Loaʻa iā ʻoe nā moraki ukupanee paʻa?

Ka uku panee Westpac

Ua hoʻomaka ʻo ING Direct ma ke ʻano he panakō ʻEulopa. He moʻolelo lōʻihi kona o ka hana ʻana i ka ʻoihana ma waena o ka ʻāina a loaʻa iā ia kekahi mau lālā hanohano, me ka Barings Bank hanohano o Great Britain. Ua komo ʻo ia i ka mākeke panakō US ma ke ʻano he panakō pūnaewele pololei e hāʻawi ana i nā huahana he nui, e komo pū ana me ka helu hoʻopiʻi kiʻekiʻe ʻo Orange Savings Account a me kekahi mau huahana moraki ma o kāna hui ʻo Orange Mortgage.

Ua loaʻa ʻo ING Direct e Capital One ma Pepeluali 15, 2012. ʻO Capital One kahi hui lawelawe kālā mea kūʻai aku ma US nui i ʻike ʻia no kāna mau makana kāleka hōʻaiʻē. Ma muli o ka loaʻa ʻana, e hoʻomau mau ana nā huahana moraki a ING Orange a lilo i ʻoi aku ka hoʻokūkū.

He hoʻokūkū loa ka uku moraki ING. I kēia manawa, hāʻawi wale lākou i nā huahana ARM, no laila, aia kā lākou moraki ma ka haʻahaʻa o ka pālākiō. Eia kekahi, mālama lākou i kahi kulekele no ka uku ʻole ʻana i nā helu, e hoʻohui i ko lākou kūlana o nā uku haʻahaʻa.

Hāʻawi ʻo ING Direct i ʻelua mau huahana hoʻolimalima hou. ʻO lāua ʻelua nā moraki helu ʻokoʻa, i uku ʻia e like me Mortgages Orange 5/1 a me 7/1. Hāʻawi lākou i kahi manawa paʻa o ʻelima a ʻehiku mau makahiki a laila hoʻoponopono i hoʻokahi manawa i ka makahiki. ʻOiai paha he mea maikaʻi ʻole lākou, no ka mea ʻaʻole lākou he mau hōʻaiʻē kuʻuna 30-makahiki, hōʻike ʻo ING e hoʻohālikelike maoli lākou i ke ola maʻamau o kahi moraki no kahi mea hale ʻAmelika. I nā huaʻōlelo ʻē aʻe, inā e mālama wale ʻoe i kāu moraki no ʻelima a ʻehiku mau makahiki, ʻaʻole kūpono ke uku i kahi kiʻekiʻe kiʻekiʻe e laka i ka hōʻaiʻē no kahi manawa lōʻihi. Inā ʻoe e ʻimi nei i kahi hopena lōʻihi, pono e nānā i nā panakō e hāʻawi ana i nā moraki paʻa. ʻO ARMS ka hopena pōkole, maikaʻi loa no ka poʻe nona ka hale i loaʻa kahi hōʻaiʻē jumbo, e hoʻolālā e neʻe koke, a i ʻole ke kokoke e pau ke ola o kā lākou moraki kūʻai.

Anz uku panee

'Ōlelo Aʻo: Pili kēia ʻano hoʻohālikelike i nā (mau) laʻana i hōʻike ʻia. ʻO nā nui a me nā huaʻōlelo e hoʻāla i nā ʻano hoʻohālikelike like ʻole. ʻAʻole i hoʻokomo ʻia nā kumukūʻai, e like me ka hoʻihoʻi ʻana a i ʻole ka uku mua ʻana, a me ka mālama kālā, e like me ka hoʻokuʻu ʻana i ka uku, i ka helu hoʻohālikelike, akā hiki ke hoʻololi i ke kumukūʻai o ka hōʻaiʻē. ʻO ke ʻano hoʻohālikelike i hōʻike ʻia no kahi hōʻaiʻē i hoʻopaʻa ʻia me $150.000 o kēlā me kēia mahina a me nā uku ukupanee ma mua o 25 mau makahiki.

ʻO nā helu hoʻokaʻa mua o kēlā me kēia mahina he koho wale nō, e pili ana i ka uku hoʻolaha, ka nui o ka hōʻaiʻē a me ka manawa i hoʻokomo ʻia. ʻO nā ʻano, nā komisina a me nā lilo, a no laila ke kumukūʻai o ka hōʻaiʻē, hiki ke ʻokoʻa ma muli o ka nui, ka manawa a me ka mōʻaukala aie. E hilinaʻi ʻia nā hoʻihoʻi maoli i kou kūlana pilikino a me nā hoʻololi ʻana i ka uku ukupanee.

Haʻaheo mākou iā mākou iho i nā mea hana a me nā ʻike a mākou e hāʻawi ai, a ʻaʻole like me nā pūnaewele hoʻohālikelike ʻē aʻe, hoʻokomo pū mākou i ke koho e ʻimi i nā huahana āpau i kā mākou waihona, me ka nānā ʻole inā he pilina ʻoihana mākou me nā mea hoʻolako o ia mau huahana a ʻaʻole paha.

mea hoʻolimalima

Inā he mea hou ʻoe i ka pāʻani kūʻai hale, kahaha paha ʻoe i ka nui o ka jargon āu i lohe ai a heluhelu ai. Hiki iā ʻoe ke loaʻa i ka moraki paʻa a i ʻole ka uku hoʻololi. Hiki iā ʻoe ke loaʻa i kahi manawa o 15 a i ʻole 30 mau makahiki, a i ʻole kahi manawa maʻamau. A nui hou aku.

ʻIke ʻia e hoʻoholo ʻoe i ke ʻano o ka moraki kūpono iā ʻoe. Akā, ma mua o kou hoʻoholo ʻana inā kūpono ka moraki paʻa iā ʻoe, pono ʻoe e ʻike i ke kumu o ke ʻano o kēia mau ʻano moraki a pehea e hana ai.

ʻO ka moraki uku paʻa he koho hōʻaiʻē home me ka uku paneʻe kikoʻī no ka manawa holoʻokoʻa o ka hōʻaiʻē. ʻO ka mea nui, ʻaʻole e loli ka uku pānaʻi moraki i ka wā e ola ana ka hōʻaiʻē a e mau ana ka ukupanee a me nā uku kumu o ka mea hōʻaiʻē i kēlā me kēia mahina.

30 Makahiki Paʻa Paʻa Loan: ʻO ka uku paneʻe o 5,375% (5,639% APR) no ke kumu kūʻai o 2,00 point(s) ($6.000,00) i uku ʻia ma ka pani ʻana. Ma kahi moraki $300,000, e uku ʻoe i kēlā me kēia mahina he $1,679.92. ʻAʻole i loko o ka uku mahina ka ʻauhau a i ʻole nā ​​uku inikua. ʻOi aku ka nui o ka uku maoli. ʻO ka uku ke manaʻo nei i kahi lakene loan-to-value (LTV) o 79,50%.

Nā ʻano o nā hōʻaiʻē moraki HSBC

Ke hoʻohālikelike ʻia me nā panakō nui ua hana ʻokoʻa lākou. ʻAʻohe o lākou lālā a i ʻole ATM. Akā, hana nui lākou ma ka pūnaewele a hāʻawi i nā waihona i kā lākou mea hōʻaiʻē ma kekahi mau ala akamai.

Hōʻole ʻo ING i ka hāʻawi ʻana i nā kumukūʻai ʻoi aku ka maikaʻi i kāna mau mea kūʻai aku i kēia manawa, ʻoi aku ka nui o ka uku ukupanee. E nānā mau mākou i ke ʻano o kā mākou mea kūʻai aku a pono mākou e hoʻihoʻi hou i kā lākou hōʻaiʻē i kahi mea hāʻawi ʻē aʻe ma hope o kekahi mau makahiki, i ʻole e uku nui ana kā mākou mea kūʻai.

ʻO kā ING's Orange Advantage Home Loan kā lākou hōʻaiʻē kaulana loa. He pūʻolo ʻoihana me kahi moʻokāki hoʻomaʻemaʻe 100% a me nā uku panee nui inā ʻaiʻē ʻoe ma mua o $500.000 a i ʻole $1.000.000 a loaʻa kahi waihona nui.

ʻO ka ING Mortgage Simplifier kahi hōʻaiʻē maʻamau me ka ʻole o ka waihona hoʻomaʻemaʻe. Ma muli o nā hāʻawi a ING, hiki ke loaʻa nā kumukūʻai haʻahaʻa like me ka Orange Advantage a i ʻole ke kumu kūʻai iki.

ʻO kahi pilikia maʻamau ma Australia ʻo ka nānā wale ʻana o ka poʻe i nā uku ukupanee i hāʻawi ʻia akā mālama ʻole i nā kulekele hōʻaiʻē o kahi mea hāʻawi. Aia kekahi mea hāʻawi kālā ʻē aʻe me ka uku nui e hiki ke kōkua i ka hapa nui o ka poʻe i hoʻokō ʻole i nā alakaʻi ING.