100 moraki kālā kokoke iaʻu
ʻO 100% nā hōʻaiʻē moraki i hoʻolilo kālā i ke kumukūʻai kūʻai holoʻokoʻa o kahi home, e hoʻopau ana i ka pono o ka uku. Loaʻa ka poʻe kūʻai hale hou a hou i ka 100% kālā ma o nā papahana kākoʻo aupuni.
Ma hope o ka noiʻi nui ʻana, ua hoʻoholo nā panakō a me nā keʻena hāʻawi kālā ʻoi aku ka kiʻekiʻe o ka uku mua ma kahi hōʻaiʻē, ʻoi aku ka liʻiliʻi o ka mea ʻaiʻē. ʻO ka mea maʻamau, ʻoi aku ka nui o ka mea kūʻai aku me ka nui o ka waiwai waiwai i ka pāʻani.
ʻO ia ke kumu, i nā makahiki i hala aku nei, ua lilo ka nui o ka uku uku maʻamau i 20%. ʻO nā mea ʻē aʻe ma mua o kēlā e koi ai i kekahi ʻano o ka ʻinikua, e like me ka inikua moraki pilikino (PMI), i mea e hoʻihoʻi ai ka mea hāʻawi i kā lākou kālā inā hōʻole ka mea ʻaiʻē i ka hōʻaiʻē.
ʻO ka mea pōmaikaʻi, aia nā papahana kahi e hāʻawi ai ke aupuni i ka ʻinikua i ka mea hāʻawi kālā, ʻoiai inā ʻaʻole ka uku mua o ka hōʻaiʻē. Hāʻawi kēia mau hōʻaiʻē i kākoʻo ʻia e ke aupuni i kahi ʻokoʻa ʻole o ka uku i lalo i nā moraki maʻamau.
ʻOiai e loaʻa ana nā hōʻaiʻē FHA i kahi kokoke i kēlā me kēia mea e hoʻokō i nā pae hoʻohālike, pono ʻoe i ka mōʻaukala o ka ʻoihana koa e hiki ai i kahi hōʻaiʻē VA a pono ʻoe e kūʻai ma kahi kuaʻāina a i ʻole ka ʻāina no ka USDA. E wehewehe ʻia nā kumu kūpono ma hope.
100% moraki UK
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.
100% kālā moraki
E hoʻohālikelike i kā mākou mau moraki 100% LTV maikaʻi loa me ka ʻole o kahi waihona. ʻO nā moraki me ka ratio loan-to-value o 100% ka mea maʻamau i mālama ʻia no nā mea kūʻai aku o kahi mea hāʻawi a i ʻole ka poʻe i loaʻa ka mea hōʻoia. E ʻimi i kā mākou alakaʻi e aʻo hou e pili ana i ka 100% LTV ʻaʻohe moraki waiho.
Hiki iā lākou ke hoʻohana i ko lākou home ponoʻī (ʻo ia paha ka mea nona lākou) a i ʻole kā lākou waihona i mea hōʻoia no kā lākou moraki. 'O ia ho'i, hiki ke ho'opa'a 'ia kou home inā 'a'ole 'oe e uku i nā uku moraki, no laila, pono e 'ae kāu mea ho'ohiki e uku i ka moraki inā 'a'ole hiki iā 'oe ke uku iā 'oe iho. ʻO nā mākua a i ʻole nā ʻohana pili ʻē aʻe ka ʻano mea hōʻoia maʻamau, a makemake nui ka poʻe hāʻawi iā lākou e lilo i poʻe noi hui no ka moraki. Pono e loaʻa iā lākou ke kaulike ma kā lākou waiwai ponoʻī a/a i ʻole kekahi nui o ka loaʻa kālā e kū ai i nā kūlana o ka mea hāʻawi. E ʻike i kā mākou alakaʻi holoʻokoʻa e pili ana i nā moraki me kahi mea hōʻoiaʻiʻo He aha nā hōʻaiʻē no nā mea kūkulu hale hou? Eia nō naʻe, hāʻawi kekahi mau mea hoʻomohala iā ʻoe i kahi hōʻaiʻē waiho ke ʻae ʻoe e kūʻai i kekahi o kā lākou mau hale hou i kūkulu ʻia. No ka laʻana, hiki iā lākou ke hōʻaiʻē iā ʻoe i kahi waihona 20% ma ke ʻano e uku ʻoe iā ia i loko o 10 mau makahiki, hiki iā ia ke kōkua iā ʻoe e loaʻa ka uku ukupanee maikaʻi ma ke koena 80% LTV moraki. E hoʻomanaʻo e hiki iā ʻoe ke uku i ka moraki a me nā uku hōʻaiʻē i ka manawa like ʻO nā kumukūʻai piha o ke kūʻai ʻana i home He aha nā pilikia o ke kūʻai ʻana i hale me ka ʻole o kahi waihona? ʻO nā pilikia nui o nā moraki 100% nā komisina a me nā uku uku kiʻekiʻe o ka huahana.
100% kālā o nā hōʻaiʻē moraki no ka mea kūʻai mua
Ke makemake ʻoe e kūʻai i kahi waiwai me ka moraki, e noʻonoʻo ʻoe i ka mea i kapa ʻia ʻo LTV, a i ʻole Loan-To-Value. ʻOi aku a liʻiliʻi paha ke ʻano o ia mea: ʻo ka hapa o ka nui o ke kumukūʻai o ka waiwai e uhi ai kāu hōʻaiʻē moraki.
He mea nui e hoʻomaopopo i ka wā e kamaʻilio ai mākou e pili ana i 100% loan-to-value moraki, ke manaʻo nei mākou e hāʻawi ka mea hāʻawi i 100% o ke kumukūʻai kūʻai me ka ʻole o ka hōʻaiʻē ʻē aʻe ma ka hōʻaiʻē. No laila, no ka hāʻawi ʻana aku o ka poʻe hāʻawi kālā i 100% o ka waiwai o ka waiwai, he pilikia nui ia (a he nui ke kumu kūʻai,) no laila ʻaʻole ia he mea kupanaha ke ʻike ʻia kēia mau mea he mea kahiko.
I kēia manawa, ʻo ka ʻoiaʻiʻo ʻaʻole i loaʻa ka 100% loan-to-value moraki (he mea hāʻawi kālā e hāʻawi ana i 100% o ke kumukūʻai kūʻai me ka ʻole o ka hōʻaiʻē ʻē aʻe e kūʻē i ka hōʻaiʻē) ʻaʻole ia he manaʻo ʻaʻole i loaʻa nā huahana kūpono e like me "no deposit".
Ke hāʻawi ʻia ʻoe i kahi moraki manuahi ma o Mortgage Buddy, manuahi nā kūkākūkā mua a me nā ʻōlelo aʻo mai kāu kākāʻōlelo a ʻaʻohe kuleana. Ma kēia māhele, ʻike ʻia kou kūlana a inā aia kekahi mau mea o ka hōʻaiʻē maikaʻi ʻole i kāu noi e pono ai ka manawa e hōʻemi i ka hopena i kāu ʻike hōʻaiʻē.
