ʻO ke ʻano o 100% kālā
Pono ka hapa nui o nā mea hāʻawi kālā iā ʻoe e uku i ka Lender's Mortgage Insurance (SMI) inā hāʻawi lākou iā ʻoe ma mua o 80% o ka waiwai o ka home. Ua wehewehe mākou i ʻeono mau ala e ʻae ʻia ai no kahi hōʻaiʻē home ʻaʻohe waihona. ʻAʻole koi kekahi o kēia mau koho iā ʻoe e uku iā LMI.
ʻO kēia ka koho hōʻaiʻē home ʻaʻohe waiho kālā maikaʻi loa i loaʻa ma Australia. Me kahi hōʻaiʻē home i hoʻopaʻa ʻia, e hoʻopaʻa ʻia kahi mea hōʻoia (ma ka hapa nui o kou mau mākua) i kā lākou waiwai i mea hōʻaiʻē i hiki iā ʻoe ke lawe i kahi hōʻaiʻē waiho ʻole.
ʻO kekahi poʻe hāʻawi kālā e ʻae i kahi waihona hōʻaiʻē a ʻaʻole koi i ka mālama kālā maoli, akā makemake paha ʻoe i kāu kālā ponoʻī e uhi i ka dute stamp a me nā lilo ʻē aʻe. Inā ʻaʻohe āu waihona ponoʻī, ʻaʻole paha e ʻae ʻia ʻoe no kahi hōʻaiʻē.
Nui nā koho hōʻaiʻē moraki ʻole. Eia nō naʻe, ua ʻike mākou i ka wā e loiloi ai mākou i ke kūlana pilikino o ka mea hōʻaiʻē, ʻoi aku ka maikaʻi loa o nā hōʻaiʻē home.
ʻAʻohe hōʻaiʻē waiho i lilo i koho maikaʻi no nā poʻe he nui ʻole ke kālā e hāʻawi i kahi moraki. ʻO kekahi o nā pōmaikaʻi nui o ka hoʻohana ʻana i kahi mea hōʻoia e loaʻa ai kahi hōʻaiʻē moraki me ka ʻole o ka waiho ʻana:
100 moraki kālā kokoke iaʻu
Ma keʻano laulā, hiki ke noi ʻia kahi hōʻaiʻē home mua no ke kūʻai ʻana i hale a hale paha, ka hoʻoponopono hou ʻana, hoʻonui a me ka hoʻoponopono ʻana i kou home i kēia manawa. He kulekele ʻokoʻa ka hapa nui o nā panakō no ka poʻe e ʻimi nei i kahi home lua. E hoʻomanaʻo e nīnau i kāu panakō kalepa no nā wehewehe kikoʻī e pili ana i nā pilikia ma luna.
E loiloi ana kāu panakō i kou hiki ke uku i ka wā e hoʻoholo ai i ka pono no ka hōʻaiʻē home. Hoʻokumu ʻia ka hiki ke hoʻihoʻi i kāu loaʻa kālā i hoʻopau ʻia i kēlā me kēia mahina, (e pili ana i nā kumu e like me ka huina o ka loaʻa kālā o kēlā me kēia mahina e hoʻemi ʻia nā lilo o kēlā me kēia mahina) a me nā mea ʻē aʻe e like me ka loaʻa kālā o ka hoa kāne, nā waiwai, nā aie, ka paʻa kālā, etc. ʻO ka manaʻo nui o ka panakō ʻo ka hōʻoia ʻana e uku ʻoluʻolu ʻoe i ka hōʻaiʻē i ka manawa a e hōʻoia i kona hoʻohana hope ʻana. ʻO ke kiʻekiʻe o ka loaʻa kālā o kēlā me kēia mahina, ʻoi aku ka kiʻekiʻe o ka nui o ka hōʻaiʻē e pono ai. ʻO ka maʻamau, manaʻo ka panakō ma kahi o 55-60% o kāu loaʻa kālā hoʻolimalima / koena i kēlā me kēia mahina no ka uku hōʻaiʻē. Eia nō naʻe, helu kekahi mau panakō i ka loaʻa kālā hoʻopau no ka uku EMI e pili ana i ka loaʻa kālā nui o ke kanaka a ʻaʻole kā lākou loaʻa kālā.
100% kālā moraki mai ka hui ʻaiʻē
He lawelawe hoʻohālikelike kūʻokoʻa mākou i kākoʻo ʻia e hoʻolaha. ʻO kā mākou pahuhopu ke kōkua iā ʻoe e hana i nā hoʻoholo kālā ʻoi aku ka maikaʻi ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka ʻae ʻole, a e ʻae iā ʻoe e alakaʻi i ka noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
ʻO nā hāʻawi i hōʻike ʻia ma kēia pūnaewele mai nā hui e uku mai iā mākou. Hiki i kēia uku ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kēia pūnaewele, me ka laʻana, ke ʻano o ke ʻano e ʻike ʻia ai i loko o nā papa inoa. Akā ʻaʻole pili kēia uku i ka ʻike a mākou e paʻi ai, a me nā loiloi āu e ʻike ai ma kēia pūnaewele. ʻAʻole mākou e hoʻokomo i ka honua o nā hui a i ʻole nā haʻawina kālā i loaʻa iā ʻoe.
He lawelawe hoʻohālikelike kūʻokoʻa mākou i kākoʻo ʻia e hoʻolaha. ʻO kā mākou pahuhopu ke kōkua iā ʻoe e hoʻoholo i nā hoʻoholo kālā ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka pahuhopu, a hiki iā ʻoe ke alakaʻi i ka noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
ʻO ka hōʻaiʻē kūkulu me 100% kālā
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.
