He aha nā lilo kūʻai hale e hiki ke unuhi ʻia
ʻO kēlā me kēia hōʻaiʻē moraki, inā ʻo ke kūʻai ʻana i hale hou a i ʻole e hoʻihoʻi hou i kahi hōʻaiʻē i loaʻa, hele mai me nā koina pani. Hoʻopili nā koina pani i kekahi mau uku e pili ana i ka hana ʻana i kahi moraki a i ʻole nā mea i koi ʻia i uku mua ʻia, e like me ka ʻinikua a ka mea nona ka hale a me nā ʻauhau waiwai.
E hoʻomanaʻo he ʻokoʻa ke kūlana o kēlā me kēia kanaka. ʻO ke ala maikaʻi loa e loaʻa ai kahi kuhi pololei o kāu mau koina hōʻaiʻē i ka manawa i hoʻokō ʻia ai kāu palapala moraki a ua loaʻa iā ʻoe kahi pepa kumu kūʻai pani mai kāu mea hāʻawi.
Ma muli o ka ʻikepili hou loa, ʻo ka awelika o nā kumukūʻai pani ma 2021 he $6.827 no nā hale ʻohana hoʻokahi. ʻO ia ka 12,3% ʻoi aʻe ma mua o ka makahiki i hala, ʻo ia ka mea kūpono no ka mea ua piʻi nui nā kumukūʻai home a me nā waiwai.
Eia nō naʻe, ʻokoʻa nā kumukūʻai pani āu e alo ai ma muli o kou wahi. Inā ʻoi aku ka maʻalahi o nā kumukūʻai home, ʻaʻole paha ʻoe e uku nui e pani i kāu moraki. Akā inā noho ʻoe i kahi wahi pipiʻi loa, a laila pono ʻoe e manaʻo e uku ʻoi aʻe ma mua o ka awelika ke pani ʻoe i kāu hōʻaiʻē.
ʻO nā lilo o ka mea kūʻai aku i ke kūʻai ʻana i hale
ʻO ka hana mua, ʻo ia ke kau inoa ʻana i kahi ʻaelike mua (hoʻohiki no ke kūʻai aku a kūʻai ʻia) a ka notary e huki i ka wā e loaʻa ai nā palapala e pono ai (poʻo inoa waiwai, hōʻike e pili ana i ka asbestos, termites, uila uila, etc., ʻike e pili ana i ka laikini o nā hana. hāʻawi ʻia no ke kūkulu ʻana, etc.). Hoʻopili kēia ʻaelike i nā kūlana a pau o ke kūʻai aku a kuhikuhi i kahi manawa o ka hoʻokō e pili ana i ka hoʻokō ʻana o kekahi mau kūlana mua (e hōʻoia i ka nele o nā moraki ma ka waiwai i kūʻai ʻia no ka mea hiki ʻole ke loaʻa ka hoʻokuʻu ʻana o ka mea ʻaiʻē. , etc.). I kēia manawa, hoʻopaʻa inoa pinepine ʻia kēia ʻaelike ma ka inoa ponoʻī o ka mea kūʻai aku me kahi māhele hoʻololi. Ke kau inoa ʻia e nā ʻaoʻao āpau (mea kūʻai aku a mea kūʻai aku), pōmaikaʻi ka mea kūʻai mai ka manawa noʻonoʻo o 7 mau lā ma hope o ka loaʻa ʻana o kahi kope o ka ʻaelike mua (ʻaʻole pōmaikaʻi ka mea kūʻai aku mai kēia manawa noʻonoʻo, ʻo ia ka mea e pale ai i ka mea kūʻai aku). Inā hoʻoholo ka mea kūʻai aku e hoʻihoʻi, pono e uku hou ʻia ʻo 100% o kāna mea i hoʻoili ai i ka moʻohelu notary. Wahi a ka ʻaelike mua, pono ka mea kūʻai aku e hoʻoili i kahi waihona 5-10% i ka notary o ka mea kūʻai aku (escrow account).
Helu helu moraki kiʻekiʻe
ʻAe, hiki ke unuhi ʻia nā uku notari no ka lawe ʻana i ka moraki. Ma hope o ke kūʻai ʻana i home, ʻo ka nīnau ka mea e hiki ke unuhi ʻia nā lilo kālā no ka hōʻike kālā a ʻaʻole hiki ke unuhi ʻia nā lilo kālā. Hiki ke unuhi ʻia nā uku notari ke kūʻai aku i hale.
ʻO nā lilo wale nō i loaʻa ka moraki ma kou home hou e hiki ke unuhi ʻia. ʻO ke ʻano kēia, pono ʻoe e nānā pono i nā lilo i hana ʻia no ka loaʻa ʻana o ka hōʻaiʻē. ʻO nā lilo e hiki ke unuhi ʻia:
ʻO ka mea pōʻino, ʻaʻole hiki iā ʻoe ke unuhi i nā lilo a pau i hiki ke unuhi ʻia mai ka nui āu e uku ai i ka Waihona. Hiki iā ʻoe ke unuhi wale iā lākou mai kāu loaʻa kālā. ʻO ia ke ʻano inā ʻae ʻia ʻoe e unuhi i ka huina o €2.000 i nā lilo hiki ke unuhi ʻia a ʻo kāu loaʻa makahiki he, no ka laʻana, €35.000, pono ʻoe e uku i ka ʻauhau ma ka loaʻa kālā o €33.000. Inā he hoa ʻauhau kāu, hiki iā ʻoe ke hoʻokaʻawale i kāu mau lilo hiki ke unuhi ʻia ma waena o ʻolua, hiki ke loaʻa nā pōmaikaʻi hou aʻe.
Expat Mortgage Calculator
Hoʻopili ʻia nā lawelawe kālā hōʻoia i nā mea paʻa waihona waihona. Hiki ke hoʻokuʻu ʻia ka uku inā loaʻa iā ʻoe nā hōʻaiʻē me mākou, kahi waihona mālama ʻōpio, ka waihona nānā haumāna manuahi ʻole, ka moʻokāki eVolve, ka nānā pili a i ʻole ka waihona mālama kālā, ka waihona kāleka kāleka hōʻaiʻē, kāleka hōʻaiʻē (ma lalo o 18), a 1934 Regular Checking, ʻO ka nānā ʻana i ka mākeke kālā, ka nānā mua ʻana, ka mālama ʻana o ka papa mua, ka moʻokāki palapala, a i ʻole he koena i hōʻuluʻulu ʻia ma nā waihona waihona a pau o $500. E unuhi ʻia ka uku mai kāu hōkeo a i ʻole waihona mālama kālā, ma kā mākou koho.
Pili ka uku koena haʻahaʻa i kekahi waihona mālama kālā me ka palena iki o kēlā me kēia lā ma lalo o $100. Hiki ke hoʻokuʻu ʻia ka uku inā ʻo ʻoe ka lālā mua o kahi moʻokāki pili pili, Freedom Banking, Debit Card Banking, Absolutely Free Student Checking, eVolve Checking, 1934 Regular Checking, Money Market Checking, Premier Checking, First Class Savings, a active credit. kāleka, palapala hōʻoia, hōʻaiʻē a i ʻole kahi waihona mālama lua me mākou. E unuhi ʻia ka uku mai kāu hōkeo a i ʻole waihona mālama kālā, ma kā mākou koho.
