uku hoʻopaʻa ʻia
Inā loaʻa iā ʻoe kou home a pono ʻoe e uhi i kahi lilo nui—e hoʻomaikaʻi paha i kāu kīhini a i ʻole e hoʻoponopono i kahi hale leaky—akā ʻaʻole loaʻa ke kālā i ka manawa koke, hiki paha iā ʻoe ke noʻonoʻo e lawe i kahi moraki lua e loaʻa koke ke kālā.
ʻElua ʻano o nā moraki ʻelua: home equity loans a me home equity lines of credit (HELOCs). ʻOiai ʻaʻole like nā ʻano hōʻaiʻē, pili lākou ʻelua i ka hōʻaiʻē kālā e pili ana i ke kaulike o kou home, ʻo ia ka ʻokoʻa ma waena o ka mea a kou home e kūʻai aku ai ma ka mākeke o kēia lā a me kāu ʻaiʻē i kāu moraki.
1. ʻOkoʻa nā hōʻaiʻē Home Equity a me HELOC. ʻOiai ke hoʻohana nei kekahi poʻe i kēia mau huaʻōlelo, he ʻokoʻa iki lākou. Me kahi hōʻaiʻē home equity, e loaʻa iā ʻoe ka nui o ka hōʻaiʻē holoʻokoʻa i mua, e hāʻawi iā ʻoe i ka maʻalahi e uku i kahi mea nui i ka manawa hoʻokahi. Akā, ʻoi aku ka hana o kahi HELOC e like me ke kāleka hōʻaiʻē, kahi e hāʻawi ai ka mea hāʻawi iā ʻoe i kahi kālā hiki iā ʻoe ke huki i ka wā e pono ai ʻoe e uku no nā mea.
2. Me kēlā me kēia ʻano o ka moraki ʻelua, hiki iā ʻoe ke hoʻohana i ke kālā no nā mea āu e makemake ai. ʻOiai ke hoʻohana nei nā hōʻaiʻē home equity a me nā HELOC i kou home ma ke ʻano he koʻa, ʻaʻole pono ʻoe e hoʻolilo i ke kālā no nā lilo o ka home. Nui ka poʻe e lawe i nā hōʻaiʻē home equity no nā mea e like me ke kula haʻawina, nā pili olakino, a i ʻole ka hoʻohui ʻana i nā aie. ʻOi aku ka haʻahaʻa o ka uku panee ma kēia mau hōʻaiʻē ma mua o nā ʻano aie ʻē aʻe, no laila hiki ke hoʻohana ʻia e hoʻohui i ka ʻaiʻē kiʻekiʻe, e like me nā koena kāleka hōʻaiʻē.
loandepot
Ua uku mau ʻoe i kāu moraki ke hoʻomaka koke ʻoe e kiʻi i nā leka mai nā mea hāʻawi kālā e kono ana iā ʻoe e lawe i kahi moraki lua. "E kūkulu i ka waiwai!" wahi a lākou. “E uku i kāu hoʻonaʻauao! Hana hou i kou hale”.
ʻO ka lua o ka moraki ke kaumaha ʻoe i ka waiwai o kou home ponoʻī (ma ka hoʻololi ʻana iā ia i hōʻaiʻē) no ke ala wikiwiki e uku ai i nā aie ʻē aʻe, hoʻopau i nā papahana hoʻomaikaʻi hale, a kūʻai paha i kahi mea hiki ʻole iā ʻoe ke loaʻa.
ʻO kēia ka mea e hiki mai ana: ʻŌlelo kekahi mea nona, "Ua ʻike ʻoe i ke aha? Loaʻa iaʻu he $100.000 kālā. No ke aha e hiki ʻole ai iaʻu ke hoʻololi i kēlā $100.000 i kālā e hiki iaʻu ke hoʻohana e uku i kaʻu hōʻaiʻē haumāna, hoʻoponopono hou i koʻu hale, a i ʻole hele i ka hoʻomaha?"
A inā paha, manaʻo kekahi mea hāʻawi kālā he manaʻo maikaʻi loa ia a pane mai, "Ua loaʻa iā ʻoe kahi kuʻikahi!" Ua ʻae ka mea hāʻawi kālā e hāʻawi i ka mea nona ke kumu kālā inā hoʻohiki ʻo ia e hoʻihoʻi i ke kālā me ka uku panee, a i ʻole e hāʻawi i kona hale inā ʻaʻole ʻo ia.
I kēia manawa, me kahi hoʻolimalima kālā ʻaʻole ʻoe e ʻaiʻē hou aku (maʻamau). ʻOiaʻiʻo, inā ʻoe e hoʻihoʻi hou i ke ala kūpono a no nā kumu kūpono (ʻoi aku ka maikaʻi o ka uku paneʻe a me ka manawa pōkole), e mālama ʻoe i ʻumi kaukani kālā i ka ukupanee a uku koke i kou hale.
Moraki Rocket
ʻO Justin Pritchard, CFP, he kākā'ōlelo uku a he loea kālā pilikino. Hoʻopili i ka panakō, nā hōʻaiʻē, nā hoʻopukapuka, nā moraki a me nā mea hou aku no The Balance. Loaʻa iā ia kahi MBA mai ke Kulanui o Colorado a ua hana ʻo ia no nā uniona hōʻaiʻē a me nā ʻoihana kālā nui, a me ke kākau ʻana e pili ana i ke kālā pilikino no nā makahiki he ʻelua.
ʻO Thomas J Catalano he CFP a me Registered Investment Advisor ma ka mokuʻāina o South Carolina, kahi i hoʻokumu ai ʻo ia i kāna ʻoihana aʻoaʻo kālā ponoʻī ma 2018. Hāʻawi ka ʻaoʻao ʻo Thomas iā ia i ka loea i nā ʻano like ʻole me ka hoʻopukapuka kālā, hoʻomaha, ʻinikua a me ka hoʻolālā kālā.
ʻO ka moraki ʻelua he ʻano hōʻaiʻē e hiki ai iā ʻoe ke hōʻaiʻē kūʻē i ka waiwai o kou home. He waiwai kou home, a ma ka lōʻihi o ka manawa hiki ke loaʻa ka waiwai i kēlā waiwai. ʻO nā moraki ʻelua, hiki ke lilo i nā laina kaulike o ka home (HELOCs) a i ʻole nā loan home equity, he ala e hoʻohana ai i kēlā waiwai no nā papahana a me nā pahuhopu ʻē aʻe me ka ʻole e kūʻai aku i kou home.
ʻO ka moraki ʻelua he hōʻaiʻē e hoʻohana ana i kou home i mea hōʻaiʻē, e like me ka hōʻaiʻē āu i kūʻai ai i kou home. ʻIke ʻia ka hōʻaiʻē ma ke ʻano he moraki ʻelua no ka mea ʻo kāu hōʻaiʻē kūʻai maʻamau ka hōʻaiʻē mua ma ka laina no ka uku inā hele kou home i ka paʻa.
E ʻike i nā lawelawe kālā
ʻO nā hōʻaiʻē home equity a me home equity line of credit (HELOCs) he mau laʻana maʻamau o nā moraki ʻelua. ʻO kekahi mau moraki ʻelua he "wehe" (ʻo ia hoʻi, hiki iā ʻoe ke hoʻomau i ka lawe ʻana i ke kālā a hiki i ka nui o ka hōʻaiʻē a, i kou uku ʻana i ke koena, hiki iā ʻoe ke lawe hou i waho a hiki i ka palena like) a me nā hōʻaiʻē ʻelua ʻelua. "paʻa" " (kahi e loaʻa ai iā ʻoe ka nui o ka hōʻaiʻē ma mua a ʻaʻole hiki ke lawe hou i waho ma hope). ʻO ka huaʻōlelo "lua" ʻo ia ka mea inā ʻaʻole hiki iā ʻoe ke uku hou i kāu moraki a kūʻai ʻia kou hale e uku i nā aie. , ua uku ʻia kēia hōʻaiʻē ma kahi lua. Inā ʻaʻole lawa ke kaulike e uku piha ai i nā hōʻaiʻē ʻelua, ʻaʻole paha e loaʻa i kāu mea hōʻaiʻē home ʻelua ka nui o ka aie. No laila, ʻoi aku ka nui o nā hōʻaiʻē moraki ʻelua ma mua o nā hōʻaiʻē moraki mua. I kēlā me kēia manawa e hoʻonui ai ʻoe i kāu ukana ʻaiʻē, ʻoi aku ka nāwaliwali inā loaʻa ʻoe i nā pilikia kālā e pili ana i kou hiki ke uku i kāu mau aie. He mea nui ia e ʻike ʻo kekahi o nā pilikia nui o nā hōʻaiʻē home equity a i ʻole nā laina ʻaiʻē home equity inā ʻaʻole hiki iā ʻoe ke uku i kahi hōʻaiʻē home equity a i ʻole laina o ka aie ma ka home equity, hiki iā ʻoe ke nalowale i kou home no ka mea ke hoʻohana nei ʻoe i kāu. ka home equity ma ke ano he kolala.
