Polokalamu Moraki ʻAʻohe Waihona o ke Aupuni
ʻEhia ka nui āu e pono ai e kūʻai i kou home mua? ʻO ka mālama ʻana no kou home mua hiki ke paʻakikī, akā ʻo ka loaʻa ʻana o kahi hoʻolālā akaka a me ka ʻoiaʻiʻo e hiki ke maʻalahi. ʻO ka hana mua e ʻike i ka nui āu e pono ai e mālama. ʻO ka waihona ka mea nui loa no kāu mea e mālama ai. ʻO ka maʻamau, pono ʻoe e uhi i ka liʻiliʻi o 5% o ke kumukūʻai o ka waiwai, me ka panakō a i ʻole ka hui hale kūkulu e uhi i ke koena. E nānā i nā pūnaewele e like me Rightmove e ʻike i ka nui o ke kumukūʻai o ka ʻāina āu e makemake ai e kūʻai, a laila e hoʻohana i kā mākou helu hōʻaiʻē e loaʻa ai kahi manaʻo koʻikoʻi o ka nui āu e hiki ai ke hōʻaiʻē. Ma keʻano laulā,ʻo ka liʻiliʻi o kāu loaʻa,ʻo ka haʻahaʻa o ka moraki e hāʻawiʻia iāʻoe,ʻo ia hoʻi, ponoʻoe i kahi waihona ma mua o 5% e kūʻai i ka waiwai āu e makemake ai. Inā kūʻai ʻoe me kekahi mea ʻē aʻe, hiki iā ʻoe ke lawe i kahi moraki nui aʻe a hiki ke waiho i kahi waihona nui. ʻIke hou aku e pili ana i nā moraki a me nā waihona: ʻO nā lilo ʻē aʻe e noʻonoʻo ʻia Komisina He aha ia? Uku Uku Uku E hana ka mea haawi moraki
Pehea e loaʻa ai kahi waihona ma ka hale wikiwiki
Ma ka hapanui o nā moraki equity home, uku ʻoe i ka pākēneka o ka waiwai o ka home ma mua (ka waihona), a laila uku ka mea hāʻawi i ke koena (ka moraki). No ka laʻana, no kahi moraki 80%, pono ʻoe e kau i kahi waihona 20%.
Hiki i kāu mea hōʻoia ke waiho i ke kālā i loko o kahi waihona mālama kālā me ka mea hāʻawi moraki, maʻamau 10-20% o ke kumukūʻai o ka home. E noho ana ma laila no kekahi mau makahiki. I kēia manawa, ʻaʻole hiki i ka mea hōʻoia ke hoʻihoʻi i kekahi o ke kālā.
Ke loaʻa iā ʻoe kahi moraki 100%, ʻoi aku ka pilikia o ke komo ʻana i kahi kūlana kaulike maikaʻi ʻole. Inā hiki kēia, hiki iā ia ke hoʻopilikia inā makemake ʻoe e moraki hou a neʻe paha i nā hale. Hiki iā ʻoe ke hoʻopaʻa ʻia i loko o ka uku hoʻololi maʻamau o kāu mea hāʻawi aku a uku ʻoi aku ma mua o kou makemake me kahi hāʻawi hoʻokūkū.
ʻAe, aia kekahi mau mea hoʻolako moraki e ʻae iā ʻoe e loaʻa kahi waihona manawa. ʻO ka maʻamau he 10% o ka waiwai o ka home, pono e hāʻawi ʻia e kahi mea hōʻoia, e like me ka makua a i ʻole ka hoahānau.
Me kahi waiho manawaleʻa, waiho ʻia ke kālā i kahi waihona mālama kūikawā no kahi manawa i hoʻonohonoho ʻia. ʻO ka manawa maʻamau ka mea kūʻai aku e uku i ka nui like o ka hōʻaiʻē i loko o ka waihona mālama.
Moraki kalepa me ka waiho ole
ʻO ka nui o ke kālā a kahi panakō a hale hale paha e ʻae ai e hāʻawi iā ʻoe e hilinaʻi i nā kumu he nui, ʻo ia ka nui o kāu waihona. Hiki i nā poʻe he nui ke kūʻai i ka moraki, akā ʻo ka nui o ka waiho ʻana o nā mea hōʻaiʻē e lilo ia i mea hiki ʻole a kūpono ʻole i ka poʻe he nui, ʻoi aku ka nui o ka poʻe haʻahaʻa loaʻa, ʻaiʻē, a i ʻole nā lilo kiʻekiʻe e like me ka mālama keiki a i ʻole ka hele ʻana. Mai ka makahiki 2021, ua hoʻomaka ka poʻe hāʻawi kālā e hoʻomaha i nā koina moraki a hāʻawi i nā kuʻikahi e koi ʻole i kahi waihona a i ʻole kahi waihona 5%. (a me kāu mea hoʻohiki) e noʻonoʻo pono.
He ʻaelike moraki ia e hāʻawi iā ʻoe i ke kālā 100% o ka waiwai o kahi waiwai. Kū ʻo LTV no ka loan-to-value, no laila inā ʻaʻohe āu waihona, pono ʻoe i kahi moraki LTV 100% a no laila ʻo 100% kāu helu LTV.
moraki waiho haahaa
ʻO ka mālama ʻana i kahi waihona e like paha me ka mea paʻakikī loa o ke kūʻai ʻana i hale. ʻOiai he ʻoiaʻiʻo ʻo ka loaʻa ʻana o kahi waihona nui e hāʻawi i ka manawa maikaʻi loa e loaʻa ai kahi moraki maikaʻi, haʻahaʻa-uku, aia nā koho no ka poʻe me nā waihona haʻahaʻa a me ke kōkua hale aupuni.
Aia nā moraki e koi ana i kahi waihona haʻahaʻa, ma waena o 10 a 15%. Pono ʻoe e ʻimi hou aku e ʻike i kēia mau kuʻikahi, a pono ʻoe e hoʻomanaʻo e ʻoi aku ka nui o ke kumukūʻai iā ʻoe ma ke ola o ka moraki a hiki ke lawe i ka uku ukupanee kiʻekiʻe.
ʻO ka lōʻihi o ka hōʻea ʻana e pili ana i ka nui āu e mālama ai i kēlā me kēia mahina. E noʻonoʻo e pili ana i kāu mea hiki ke loaʻa. Hiki ke hoʻokumu i kahi kauoha hōʻaiʻē pololei no nā waihona no ka lā ma hope o ka hōʻiliʻili ʻana.
He mea ʻoluʻolu paha kahi waihona mālama kālā komo koke. Akā, uku pinepine lākou i ka uku pānaʻi haʻahaʻa, a inā ʻaʻole pono ʻoe i ke kālā no kekahi mau makahiki, ʻaʻole pono ʻoe i kēia manawa. No laila, ʻoi aku ka maikaʻi o ka ʻimi ʻana i kahi waihona mālama kālā no ka wā lōʻihi e uku hou aku iā ʻoe.
