He aha ka moraki e hiki iaʻu ke loaʻa no £500 i ka mahina
Inā koho ʻoe i kahi manawa hōʻaiʻē lōʻihi, e emi ana kāu uku o kēlā me kēia mahina, akā ʻoi aku ka nui o ka huina kālā. Inā koho ʻoe i kahi manawa pōkole, ʻoi aku ka kiʻekiʻe o ka uku o kēlā me kēia mahina, akā e emi ka huina kālā.
Ua like ka uku mahina i ke ola o ka aie. Eia naʻe, hoʻololi nā kālā i hoʻolilo ʻia no ka ukupanee a me ke kumupaʻa. ʻO kēia no ka mea, me nā hōʻaiʻē amortized, pili ka hapa uku o ka uku mahina i ka nui o kāu ʻaiʻē.
Ke lawe mua ʻoe i kahi hōʻaiʻē, ʻoi aku ka nui o kāu uku ukupanee no ka mea ʻoi aku ka kiʻekiʻe o kāu koena. I ka liʻiliʻi ʻana o ke koena, hoʻemi ʻia nā uku ukupanee a ʻoi aku ka nui o ka uku no ka uku ʻana i ka hōʻaiʻē.
No laila, he aha ka awelika ukupanee ma kahi hōʻaiʻē pilikino? ʻAʻole maʻalahi ka paʻi ʻana no ka mea he nui nā kumu i ka pāʻani. Eia nō naʻe, ma nā kīʻaha ākea, hiki iā mākou ke uhaki i ka awelika o ka uku paneʻe e like me ka manawa o ka hōʻaiʻē a me ka helu ʻaiʻē.
ʻO ka uku pānaʻi median no kahi hōʻaiʻē pilikino 24 mau mahina he 9,34% mai ʻAukake 2020, e like me ka ʻikepili hou loa mai ka Federal Reserve. Eia nō naʻe, ʻo ka awelika o ka huina kālā no ka hōʻaiʻē pilikino he 36 mau mahina he 9,21% ma nā hui hōʻaiʻē a me 10,28% ma nā panakō e like me Iune 2020 (ka ʻikepili hou loa i loaʻa), e like me ka National Credit Union Administration.
helu moraki
Ke hoʻohālikelike ʻia ma waena o nā ʻāina like ʻole, ʻaʻole hiki ke hōʻole ʻia ʻo nā kumukūʻai kekahi o nā manaʻo nui. I kēlā manaʻo, ʻo Sepania kahi koho maikaʻi loa, akā ʻoiaʻiʻo anei? Ua maʻalahi anei ka ʻāina Sepania e like me ka manaʻo o ka poʻe? Ma mua o ka neʻe ʻana i kekahi ʻāina, pono ʻoe e pane i kēia mau nīnau, no laila ma kēia ʻatikala e nānā mākou i nā kumukūʻai o ka noho ʻana ma Sepania. E nānā mākou i nā lilo nui a me nā kumukūʻai i hiki iā ʻoe ke hoʻohālikelike maikaʻi i kāu mau lilo o kēlā me kēia mahina ma ke ʻano he expat e noho ana ma ʻaneʻi.
Ua lawa ka hoʻohālikelike ʻana me nā poʻokela ʻē aʻe o ʻEulopa e ʻike i ka pane. ʻO Sepania, ma ka laulā, ʻaʻole ia he ʻāina pipiʻi e noho ai. ʻOiai aia nā ʻokoʻa like ʻole i loko o ko lākou mau ʻāina, hiki i nā haole ke hauʻoli i ka ʻāina no ka mea hiki iā lākou ke loaʻa i ka meaʻai a me ka leʻaleʻa ma ke kumu kūʻai haʻahaʻa. $10.000 emi mai ka pae o ka OECD (ma kahi o €20.000). ʻO ka ʻoiaʻiʻo o ka loaʻa ʻana o ka uku haʻahaʻa haʻahaʻa, i hui pū ʻia me ka nui o ka nele i ka hana ma mua o nā ʻāina ʻē aʻe o ʻEulopa, kōkua e hoʻomaopopo i ke kumu o ka haʻahaʻa o nā kumukūʻai o kēia manawa. . ʻOiaʻiʻo, ʻo nā alakaʻi a me nā hoʻohālikelike kumukūʻai a mākou e hāʻawi ai i loko o kēia ʻatikala he maʻamau maoli. Ma muli o kou nohona a me nā hana kikoʻī e piʻi iki nā kumukūʻai.
ʻEhia ka nui o ka moraki o 80.000 i kēlā me kēia mahina?
E noʻonoʻo i kahi moraki e like me kahi hōʻaiʻē home; he ala e hiki ai i kou mau wāwae ma ke alapiʻi waiwai, ʻo ka hana mua ma ke ala e hoʻōki ai i ka hoʻolimalima ʻana a i ʻole e noho pū me kou mau mākua a loaʻa i kou home ponoʻī. E nānā kākou i ʻelua mau kumu.
ʻO ke kumu, ʻo ka moraki kahi hōʻaiʻē i hoʻohana ʻia e kūʻai i hale. A lilo ka hale i mea hōʻaiʻē no ka hōʻaiʻē moraki. ʻAe ka panakō e hāʻawi kālā iā ʻoe e kūʻai, kūkulu a hoʻoponopono hou paha i hale a ʻae ʻoe e uku.
Ke noi ʻoe i moraki me mākou, e hāʻawi mākou iā ʻoe i ka mea i kapa ʻia he ʻae ʻia ma ke kumu. Hōʻike kēia palapala i ka nui e hiki iā mākou ke hāʻawi iā ʻoe ma muli o ka ʻike āu i hāʻawi ai. ʻOiaʻiʻo, ʻaʻole ia he hōʻaiʻē i kēia manawa, akā hiki iā ʻoe ke hele i ka ʻimi hale me ka ʻike hiki iā ʻoe ke loaʻa.
Hele ʻoe e ʻimi i hale, loaʻa iā ʻoe, hāʻawi ʻoe i kahi hāʻawi, a lana ka manaʻo e holo ke kūʻai. Ke hiki mai kēia, e haʻi mai iā mākou a na mākou e alakaʻi iā ʻoe i ka pae aʻe. Hoʻopili kēia i nā mea e like me ka loiloi ʻana o ka home e kekahi o kā mākou loiloi, kūʻai ʻana i ka ʻinikua, koho i loio, kūʻai ʻana i kahi kulekele palekana moraki, etc. He mea paʻakikī ia, akā e kōkua mākou iā ʻoe i nā mea āpau.
Ehia na dala e hiki ia'u ke aie ma ka moraki?
Hiki i kēia calculator amortgage iā ʻoe ke hoʻohālikelike i ka uku pānaʻi moraki a me nā mea hoʻolale kālā i loaʻa ma Ireland. Hōʻike ka calculator i ka nui o kāu moraki e pili ana i ka nui āu e hōʻaiʻē ai, ka mea nāna e hāʻawi aku, inā ʻoe e koho i nā kumukūʻai paʻa a i ʻole nā kumukūʻai, a me ka manawa o ka moraki.
Hāʻawi kā mākou helu moraki iā ʻoe e mākaʻikaʻi i nā ʻano moraki maikaʻi loa i loaʻa, hāʻawi kā mākou helu ʻinikua ola iā ʻoe i ka ʻinikua ola haʻahaʻa loa a me nā ʻōlelo hoʻomalu moraki, a ʻo kā mākou hoʻolālā ʻinikua home ma o Aviva hāʻawi i nā uku. Hiki iā ʻoe ke kipa i kā mākou pūnaewele hoʻolaʻa lifeinsurance.ie.
