He maikaʻi anei kahi moraki paʻa 30 makahiki?
Hāʻawi maʻamau nā moraki maʻamau i nā uku haʻahaʻa a ʻoi aku ka maʻalahi, akā inā piʻi nā kumukūʻai, hiki paha iā ʻoe ke uku hou aku ma ka hopena o ke kau. Hiki i nā moraki paʻa ke loaʻa nā kumukūʻai kiʻekiʻe, akā hele mai lākou me ka hōʻoia e uku ʻoe i ka nui like i kēlā me kēia mahina no ka manawa holoʻokoʻa.
Ke hoʻopaʻa ʻia kahi moraki, ʻo kekahi o nā koho mua e hoʻoholo ma waena o nā uku paʻa a i ʻole nā kumukūʻai. He mea maʻalahi kēia o nā hoʻoholo koʻikoʻi āu e hana ai, no ka mea, e pili ana ia i kāu mau uku mahina a me ka huina kālā o kāu moraki i ka manawa. ʻOiai he mea hoʻowalewale ke hele me ka uku haʻahaʻa i hāʻawi ʻia, ʻaʻole ia maʻalahi. Loaʻa i nā ʻano moraki ʻelua ko lākou pono a me nā pōʻino, no laila pono ʻoe e hoʻomaopopo i ke ʻano o ka hana ʻana o nā moraki paʻa paʻa a me nā uku hoʻololi ma mua o ka hoʻoholo ʻana.
I loko o nā moraki paʻa, ua like ka uku paneʻe i loko o ke kau. ʻAʻole pili inā piʻi a i lalo paha ka uku paneʻe. ʻAʻole e loli ka uku paneʻe ma kāu moraki a e uku like ʻoe i kēlā me kēia mahina. ʻOi aku ka nui o ka uku paneʻe ma mua o nā moraki uku paʻa no ka mea e hōʻoiaʻiʻo lākou i ka uku mau.
ʻO kahi hōʻaiʻē moraki 30 makahiki he wā lōʻihi
ʻO nā moraki i hoʻopaʻa ʻia ke ʻano maʻamau o ka moraki i koho ʻia e nā mea hale i kēia lā. Hiki ke hoʻonohonoho ʻia kahi uku pānaʻi paʻa e loaʻa ai nā uku moraki i kēlā me kēia mahina e mau ana i ke ola o ka hōʻaiʻē. Wahi a Warren Buffet, "ʻO ke ala akamai e loaʻa ai kahi home he ʻekolu mau mea: kahi moraki paʻa, nā uku kūpono, a me ka mālama lōʻihi."
ʻO ka moraki i hoʻopaʻa ʻia (FRM) he ʻano moraki me kahi manawa uku kikoʻī. ʻO ka moraki uku paʻa he uku panee paʻa no ka manawa holoʻokoʻa o ka moraki. Loaʻa kēia mau moraki i nā hoʻonui 5-makahiki ma waena o 10- a me 30 mau makahiki. ʻO ka moraki 30 makahiki ka moraki maʻamau i lawe ʻia.
Nā hemahema o ka moraki 30 makahiki
He kanaka loea ʻo Kimberly Amadeo a me ka ʻoihana waiwai a me ka hoʻopukapuka kālā ma mua o 20 mau makahiki o ka ʻike ma ka loiloi waiwai a me ka hoʻolālā ʻoihana. ʻO ia ka pelekikena o ka pūnaewele waiwai ʻo World Money Watch. Ma ke ʻano he mea kākau no The Balance, hāʻawi ʻo Kimberly i ka ʻike i ke kūlana o ka hoʻokele waiwai i kēia lā, a me nā hanana i hala i loaʻa ka hopena mau loa.
Lea Uradu, JD he puka puka no ke Kulanui o Maryland School of Law, Registered Tax Preparer in the State of Maryland, State Certified Notary Public, Certified VITA Tax Preparer, Komo i ka Annual Filing Season Program o ka IRS, ka mea kākau ʻauhau a me ka mea hoʻokumu. o na Oihana Hooholo Auhau. Ua hana pū ʻo Lea me nā haneli o ka poʻe malihini a me nā mea kūʻai ʻauhau federal.
ʻO ka moraki uku paʻa he hōʻaiʻē home kahi e loli ʻole ai ka uku paneʻe no ke ola o ka hōʻaiʻē. ʻOi aku ka uku panee ma luna o ka uku hoʻopaʻa kālā i ka wā i lawe ʻia ai ka hōʻaiʻē. ʻAʻole ia e hoʻololi inā ʻaʻole e loli ka waihona kālā.
ʻO ka moraki i hoʻopaʻa ʻia he moraki e hoʻololi ʻole ai ka uku panee i ka wā e ola ana ka hōʻaiʻē. ʻOi aku ka kiʻekiʻe o ka uku paneʻe ma mua o ko ka Treasury bonds i ka manawa o ka ʻaelike ʻana i ka hōʻaiʻē. ʻAʻole ia e hoʻololi inā ʻaʻole e loli ka waihona kālā.
Hiki ke uku mua ʻia kahi moraki paʻa 30 makahiki?
I ka manawa o kēia kākau ʻana, i Mei 2022, ʻo 30% ka awelika o 5,25 mau makahiki paʻa, e like me ka noiʻi ʻana o Freddie Mac i kēlā me kēia pule. Pono ʻoe e laki (a me kahi mea hōʻaiʻē ikaika loa) e ʻike i kahi uku paʻa ma 30 makahiki i ka 4 haʻahaʻa i kēia manawa.
Ua haʻahaʻa nā uku moraki maʻamau no nā makahiki ʻelua i hala. Ua ʻae kēia ʻano i nā mea hōʻaiʻē kūpono loa e komo i nā kumukūʻai haʻahaʻa. Akā ua piʻi nā kumukūʻai ma 2022 a me he mea lā hiki iā lākou ke hōʻea i ka 6% ma ka hopena o ka makahiki.
He aha ka uku pānaʻi moraki maikaʻi? He nīnau paʻakikī. No ka mea, ʻo ka nui o nā uku hoʻolaha i loaʻa wale i nā mea hōʻaiʻē "makemake": ʻo ka poʻe me ka helu ʻaiʻē kiʻekiʻe, ka ʻaiʻē liʻiliʻi, a me ke kālā paʻa loa. ʻAʻole nā kānaka a pau e komo i kēlā ʻano.
I ka lā i kākau ʻia ai (Mei 20, 2022), ʻo ka awelika o Freddie Mac i kēlā me kēia pule no kahi moraki paʻa 30 makahiki he 5,25%. Akā, ʻo ka helu o kēlā me kēia lā o The Mortgage Reports rate survey he 5,484% (5,51% APR). No laila ua maopopo aia kekahi ʻano like ʻole ma ka mākeke.
ʻO kekahi me ka haʻahaʻa loa o kēlā mau APR (4,754%) e uku ma kahi o $263.640 i ka ukupanee no ke ola o ka hōʻaiʻē e like me FICO. Akā ʻo ka mea me ka helu ma ka laulā 620-639 e uku ma kahi o $371.520 i ka huina o ka uku paneʻe no ke kumu kūʻai home hoʻokahi. No laila i ka wā lōʻihi, ʻo ka mea i ʻike ʻia e like me kahi ʻokoʻa liʻiliʻi liʻiliʻi hiki ke hoʻohui i kahi mālama kālā nui.
