Noi i hōʻaiʻē moraki e hoʻomaikaʻi i kou home
ʻOi aku ka loaʻa ʻana o kahi moraki ma mua o ka hoʻopiha wale ʻana i kahi palapala noi. Ma mua o kou hana ʻana i ka moraki affordability check a i ʻole ka hoʻonohonoho ʻana i kahi ninaninau moraki, makemake ʻoe e hōʻoia i ka maikaʻi o kāu kālā. Hiki i nā mea kūʻai hale mua ke ʻike pehea e loaʻa ai kā lākou moraki mua i kā mākou alakaʻi i kēlā me kēia ʻanuʻu no nā mea kūʻai hale mua.
ʻO ke kiʻekiʻe o ka waihona, ʻoi aku ka haʻahaʻa o ka huina kālā o ka moraki. Hoʻonohonoho ʻia ka uku pānaʻi moraki ma nā pūʻulu loan-to-value (LTV). ʻO ka waihona nui aʻe, ʻo ia ka LTV haʻahaʻa, a ʻo nā LTV haʻahaʻa he haʻahaʻa haʻahaʻa. Ua helu ʻia kāu LTV e:
Pono ʻoe e nānā i kāu LTV a e hōʻoia ʻoe e pā i ka hui LTV haʻahaʻa hiki iā ʻoe. E neʻe pinepine nā LTV i nā pūʻulu o ʻelima a ʻumi paha pakeneka. No ka laʻana, me ka hoʻohana ʻole ʻana i kahi mea hōʻoia no kāu moraki, ʻo ka LTV kiʻekiʻe loa he 95%, a ukali ʻia e nā hui maʻamau i hoʻonohonoho ʻia ma 90%, 85%, 80%, 75%, a me 60%. Inā he 91% kāu LTV, a laila pono ʻoe i kahi moraki 95%. Inā hiki iā ʻoe ke mālama i ka mea keu a hoʻohaʻahaʻa i ka 90%, hiki iā ʻoe ke loaʻa ka uku moraki maikaʻi aʻe.
Calculator Odds Apono Moraki
Ma ke ʻano he mea hōʻaiʻē, he mea nui e nīnau iā ʻoe iho, ehia kaʻu e uku ai? He aha ke ʻano o ka helu ʻaiʻē e pono iaʻu e hana pū me nā mea hāʻawi? A hiki iaʻu ke uku i ka uku ukupanee a me ka uku moraki i kēlā me kēia mahina? No ka loaʻa ʻana o ka manaʻo maikaʻi o kāu kālā hōʻaiʻē, he mea koʻikoʻi e ʻae ʻia ʻoe i ka wā i mākaukau ai ʻoe e hoʻomaka i ke kaʻina kūʻai.
ʻAe,ʻoiaʻiʻo, hiki ke hoʻonui i ka nui o ka moraki ma mua o ka'āpono. ʻO ka ʻoiaʻiʻo, ʻoi aku ka maikaʻi o ka hana ʻana pēlā, no ka mea, e mau ana nā kumukūʻai moraki jumbo a ke piʻi mau nei nā kumukūʻai home ma nā wahi ʻāina he nui. ʻO ka hoʻonui ʻana i kāu kālā ma mua o ka ʻae ʻia e hiki ke lilo i mea maikaʻi i nā kūlana e like me ka wā i loaʻa ai iā ʻoe kahi home moeʻuhane i ʻoi aku ke kumukūʻai ma mua o kou kuleana mua, a i ʻole ke kūʻai ʻana ma kahi wahi hoʻokūkū. Pēlā nō, makemake paha ʻoe e hoʻonui i kāu moraki ma mua o ka ʻae ʻia inā makemake ʻoe e hoʻonui i ka laulā o nā waiwai a me nā wahi āu e ʻimi nei ma ke ʻano o ke kaʻina kūʻai.
No ka hoʻonui ʻana i ka nui o ka moraki i ʻae ʻia ʻoe ma ke ʻano he mea kūʻai hale, e hōʻoia e kaʻana like i nā kumu kālā āu i ʻike ai me kāu mea hāʻawi. Ma hope o nā mea a pau, ʻaʻole hōʻike mau nā uku a me nā uku no nā hana piha a hapa manawa i ka moʻolelo holoʻokoʻa o kāu kālā, a ʻoi aku ka kiʻekiʻe o kāu loaʻa kālā holoʻokoʻa, ʻoi aku ka maikaʻi o kou loaʻa ʻana i kahi hōʻaiʻē nui. ʻO nā kahawai loaʻa hiki ke ʻike ʻole ʻia ke ʻole ʻoe e hōʻike ikaika iā lākou:
He aha ka moraki mua
Ma hope o ka noho ʻana i kahi home a i ʻole ka loaʻa ʻana o kahi maʻalahi kālā, nui ka poʻe nona ka hale e hoʻomaka e nīnau iā lākou iho, "E pono anei iaʻu e uku i ka moraki hou?" Ma hope o nā mea a pau, hiki i ka hoʻonui ʻana i nā uku ke mālama i nā kumukūʻai ukupanee a hoʻopōkole i ke ola o kāu moraki, e hoʻokokoke loa iā ʻoe i ka noho ʻana o ka home.
Eia nō naʻe, ʻoiai ʻoi aku ka maikaʻi o ka manaʻo o ka uku ʻana i kāu moraki a me ka noho ʻana i kou home me ka ʻole o ka moraki, aia paha nā kumu i kūpono ʻole ai ka uku ʻana i ke poʻo kumu.
"I kekahi manawa he mea maikaʻi ke hana i nā uku moraki hou, akā ʻaʻole i nā manawa a pau," wahi a Kristi Sullivan o Sullivan Financial Planning ma Denver, Colorado. "No ka laʻana, ʻo ka uku ʻana i $200 hou i ka mahina ma kāu moraki e hoʻohaʻahaʻa i ka hale mai 30 mau makahiki a i 25 mau makahiki ma kahi hale hiki iā ʻoe ke noʻonoʻo e noho i nā makahiki ʻelima ʻaʻole kōkua iā ʻoe. E hoʻokaʻawale ʻoe i kēlā uku o kēlā me kēia mahina a ʻaʻole loa e loaʻa iā ʻoe ka pōmaikaʻi o ia mea ».
ʻOiai ua ʻae ka poʻe he nui ka hauʻoli o ka noho ʻana me ka ʻole o ka moraki, hiki ke hoʻokō ʻia ma nā ala ʻoi aku ma mua o hoʻokahi. No laila pehea ʻoe e ʻike ai inā he mea kūpono iā ʻoe ke hoʻomaka e uku i ke kumu nui i kēlā me kēia mahina ma kāu moraki? Aia ia i kāu kūlana kālā a pehea ʻoe e hoʻokele ai i kāu kālā discretionary.
Pehea e loaʻa ai kahi moraki kiʻekiʻe me ka loaʻa kālā haʻahaʻa
Hiki ke piʻi koke ka hale kūpono. Akā pehea inā ʻoi aku ka nui o nā hale i kūpono i kāu mau pono ma mua o ka nui o kāu ʻae ʻia? Inā kūpono ia i kāu kālā, hiki paha ke hoʻokuke i kēlā kālā i ʻae ʻia.
ʻO ka ʻae mua ʻana i ka moraki ka hana mua o nā mea he nui i ke kaʻina o ka loaʻa ʻana o kahi moraki. ʻO ka mea nui, ʻo kahi pre-approval hiki iā ʻoe ke lele e hoʻomaka i ke kaʻina noi moraki ma mua o ka loaʻa ʻana o kahi home āu e makemake ai e kūʻai. Hoʻopili ia i ka nānā pono ʻana i kāu loaʻa, waiwai, a me kāu hōʻaiʻē.
Ke loaʻa iā ʻoe kahi leka i ʻae ʻia, e hōʻike ʻia ka nui o ke kālā a ka mea hāʻawi kālā e makemake e hāʻawi iā ʻoe. Hōʻike ka nui i ka manaʻo o ka mea hāʻawi kālā hiki iā ʻoe ke uku ma muli o kāu loaʻa kālā, hōʻaiʻē, a me nā waiwai. E ʻike ʻoe ʻaʻole ʻo ka nui i helu ʻia ma kāu ʻae ʻia i ka mea āu e hiki ai ke hoʻolilo.
Ma keʻano laulā, he manaʻo maikaʻi e hoʻolilo ʻaʻole ʻoi aku ma mua o 30% o kāu loaʻa kālā o kēlā me kēia mahina ma nā lilo hale. ʻOiai e hoʻokomo kēia helu i ka moraki, pono ʻoe e noʻonoʻo i nā lilo ʻē aʻe, e like me nā pono hana a i ʻole nā uku hoʻolimalima hale.
