Na Kumu kuai pani
He mea leʻaleʻa ka ʻimi ʻana i kou home hou, akā e hoʻomaopopo pono i ka loaʻa ʻana o kāu mau kumukūʻai pani e pale aku i nā haʻalulu hope. Ke loaʻa iā ʻoe ka home kūpono a ua ʻae ʻia kāu hōʻaiʻē, aia kekahi mau ala hou e hana ai ma mua o ka loaʻa ʻana o nā kī o kou home hou. ʻO kekahi o ia mau ʻanuʻu ka uku ʻana i nā koina pani.
I loko o 3 mau lā o ka waiho ʻana i kahi palapala moraki holoʻokoʻa, e loaʻa iā ʻoe kahi Loan Estimate e hāʻawi iā ʻoe i kahi manaʻo maikaʻi aʻe i ka nui o kāu e uku ai i nā kumukūʻai pani. A laila, 3 mau lā ma mua o ka pani ʻana, e loaʻa iā ʻoe kahi hōʻike hoʻopau me nā koina hope loa, aia paha:
Na wai e uku i nā koina pani no ke kūʻai ʻana i ka waiwai
1. Ka uhi. Pono ka pauku 1026.19(a) i ka hōʻike mua ʻana i nā huaʻōlelo hōʻaiʻē ma nā hana moraki hoʻohuli ʻia e pili ana i ka pauku 1026.33 i hoʻopaʻa ʻia e ka home o ka mea kūʻai aku a aia nō hoʻi ma lalo o ke Real Estate Settlement Procedures Act (RESPA). ) a me kāna Hoʻoponopono Hoʻokō X. No ka pauku 1026.19(a) no ke noi ʻana, pono ke kālepa i kahi hōʻaiʻē moraki pili federal ma lalo o RESPA. Ua wehewehe ʻia ʻo “Federal Related Mortgage Loan” ma RESPA (12 USC 2602) a me Regulation X (12 CFR 1024.2(b)), a aia ia i nā wehewehe a ke Keʻena.
3. Noi palapala. Hiki i nā poʻe ʻaiʻē ke hilinaʻi ma luna o RESPA a me Regulation X (me nā wehewehe ʻana o ke Keʻena) e hoʻoholo inā ua loaʻa kahi 'noi kākau'. ʻO ka maʻamau, wehewehe ʻo Regulation X i ka "noi" e like me ka hoʻouna ʻana i ka ʻike kālā e ka mea hōʻaiʻē i ka kali ʻana i kahi hoʻoholo hōʻaiʻē e pili ana i kahi hōʻaiʻē federal. Nānā 12 CFR 1024.2(b). Loaʻa ka palapala noi i ka wā e hiki aku ai i ka mea ʻaiʻē ma kekahi o nā ala maʻamau e hoʻouna ʻia ai nā noi: ma ka leka uila, hāʻawi lima ʻana, a i ʻole ma o ka mea kūʻai aku a i ʻole ka mea kūʻai aku. (E nānā i ka Manaʻo Manaʻo 19(b)-3 no ke alakaʻi ʻana i ka hoʻoholo ʻana inā pili ka ʻoihana i kahi ʻelele a i ʻole mea kūʻai aku.) Inā loaʻa ka palapala noi i ka mea ʻaiʻē ma o ka luna waena a i ʻole ka mea kūʻai kālā, loaʻa ka palapala noi i ka wā e hiki ai i ka mea ʻaiʻē, ʻaʻole i ka wā e hiki ai i ka ʻelele a i ʻole ka mea kūʻai aku.
ʻO nā mea i komo i loko o nā koina pani
Hōʻike: Aia kēia ʻatikala i nā loulou pili, ʻo ia ka mea e loaʻa iā mākou kahi komisina inā ʻoe e kaomi i kahi loulou a kūʻai i kahi mea a mākou i ʻōlelo ai. E ʻoluʻolu e ʻike i kā mākou kulekele hōʻike no nā kikoʻī hou aku.
ʻO ka pani ʻana i nā kumukūʻai he mea koʻikoʻi loa ia o ka waiwai paʻa e pono ai ka poʻe kūʻai hale e hoʻomākaukau no, akā ʻo wai e uku iā lākou? ʻO ka pōkole, uku ʻia nā kumukūʻai pani o ka mea kūʻai aku a me ka mea kūʻai aku ma muli o nā ʻōlelo o ka ʻaelike kūʻai hale, a ʻae nā ʻaoʻao ʻelua. Ma ke ʻano maʻamau, nui nā kumukūʻai pani o ka mea kūʻai aku, akā na ka mea kūʻai aku ke kuleana no kekahi mau kumu pani. Nui ka hilinaʻi i ka ʻaelike kūʻai.
ʻO nā koina pani nā uku a me nā lilo e uku ʻia i ka lā pani. ʻO ke kānāwai maʻamau, ʻo ka nui o nā kumukūʻai pani ma nā ʻāina noho he 3-6% o ka huina kūʻai kūʻai o ka home, ʻoiai ʻokoʻa paha kēia ma muli o nā ʻauhau waiwai kūloko, nā koina ʻinikua a me nā kumu ʻē aʻe.
ʻOiai ua hoʻokaʻawale pinepine nā mea kūʻai a me nā mea kūʻai aku i nā kumukūʻai pani, ua kūkulu kekahi mau wahi i kā lākou mau kuʻuna a me nā hana no ka hoʻokaʻawale ʻana i nā kumukūʻai pani. E ʻoluʻolu e kamaʻilio me kāu mea kūʻai waiwai e pili ana i ka pani ʻana i nā kumukūʻai ma ke kaʻina kūʻai hale, hiki ke kōkua iā ʻoe e kūkākūkā i nā ʻae kūʻai aku. Ma hope e hāʻawi mākou i kekahi mau ʻōlelo aʻoaʻo no kēia.
He aha nā uku e uku ai nā mea kūʻai aku ke kūʻai aku i hale?
E hōʻike ana i nā hiʻohiʻona he nui mai ʻAmelika Hui Pū ʻIa kahi i hāʻawi ʻole ʻia ai ka poʻe kala i nā hōʻaiʻē home, aʻo nā mea noi keʻokeʻo me nā kūlana kālā like i ʻae ʻia no nā hōʻaiʻē. Loaʻa kēia mau laʻana mai ka ʻikepili pili i ka Home Mortgage Disclosure Act (HMDA) mai ka Consumer Financial Protection Bureau. Ua ʻike ʻia nā hui hoʻohālike e like me nā kūlana kālā e pili ana i ko lākou wahi, ko lākou loaʻa kālā makahiki, ko lākou hōʻaiʻē me ka loaʻa kālā, a me ka nui a lākou i manaʻo ai e hōʻaiʻē e pili ana i ka waiwai o ko lākou home. ʻOkoʻa nā hiʻohiʻona 20 mai kēlā me kēia ma ka ʻāina a me ke kālā (ʻokoʻa ka loaʻa kālā, nā kālā hōʻaiʻē, etc.). Hōʻike ʻia nā laʻana ma ka palapala ʻāina o ʻAmelika Hui Pū ʻIa me nā kiʻi kiʻi liʻiliʻi o nā kānaka. Hōʻike ʻia nā hiʻohiʻona ma 20 mau kūlanakauhale like ʻole, me Baltimore, Maryland, Kansas City, Missouri, Portland, Oregon, New Haven, Connecticut, a me nā mea ʻē aʻe.
ʻO ka hale moe ʻehā lumi hou ma Charlotte, NC ʻo Crystal Marie lāua ʻo Eskias McDaniels i moeʻuhane pilikino ʻAmelika, ke kumu i neʻe ai lākou i kēia kūlanakauhale hema mai Los Angeles pipiʻi i kekahi mau makahiki i hala. He lau nahele, lōʻihi, 2.700 kapuaʻi kuea o ka lumi noho, he loko wai kaiāulu, a he kahua pāʻani no kāna keiki ʻo Nazret. No $375.000 a pau.
