ʻO ka hōʻaiʻē home ʻo Wells Fargo me 500 mau ʻaiʻē
Ke hopohopo nei ʻoe i kāu helu ʻaiʻē maikaʻi ʻole e pale iā ʻoe mai ka loaʻa ʻana o kahi home? Mai ʻae i ka helu ʻaiʻē haʻahaʻa e kāohi iā ʻoe mai ka noi ʻana i kahi hōʻaiʻē. Loaʻa nā hōʻaiʻē home i ka poʻe me ka ʻaiʻē liʻiliʻi. Akā, mai hopohopo inā hele mai lākou me kahi koi nui o ka uku.
I ka pōkole, ʻae ka pane. ʻOiai ʻokoʻa kēlā me kēia hihia, e hoʻomanaʻo ʻo ka helu ʻaiʻē "ʻino" he huaʻōlelo pili. I ka manawa pinepine, huikau ka poʻe i ka helu ʻaiʻē haʻahaʻa me ka "ʻino." ʻAʻole paha ʻoe i hala i nā uku a i ʻole nā uku i kou ola. Eia naʻe, ʻo ka hele ʻana ma luna o ka palena o nā kāleka hōʻaiʻē liʻiliʻi e hoʻohaʻahaʻa i kāu helu, e hāʻawi ana i ka illusion he ʻaiʻē maikaʻi ʻole kāu. Ke noi ʻoe i kahi hōʻaiʻē, e nānā ka luna i nā ʻano āpau, e hāʻawi iā ʻoe i kahi manawa hakakā. A i ʻole, ma ka liʻiliʻi loa, hiki iā ʻoe ke loaʻa ke alakaʻi i ka hoʻoponopono ʻana i kāu hōʻaiʻē i hiki iā ʻoe ke kūʻai i home i ka wā e hiki mai ana.
Ma American Financing, hiki iā mākou ke hana pū me ʻoe e ʻimi i ka hōʻaiʻē kūpono e hoʻokokoke aku ai iā ʻoe i ka ʻona home. Me ka uku mua nui, hiki ke loaʻa kahi hōʻaiʻē home ʻino. He kū hoʻokahi ke kūlana o kēlā me kēia kanaka. No laila, e lawe ka mea aʻoaʻo moraki i ka manawa e hoʻomaopopo i kāu mau pono a ʻike inā aia kekahi mau papahana hōʻaiʻē i hiki ke hoʻololi ʻia no ka loaʻa ʻana o kahi home. E hoʻomanaʻo i ka loaʻa ʻana o nā polokalamu hōʻaiʻē i kā lākou mau koi helu ʻaiʻē liʻiliʻi (e like me nā mea hāʻawi kālā). Akā inā ʻaʻole hiki iā ʻoe ke kūpono no kekahi mea i kēia manawa, ʻo ka hana ʻana i kekahi mau hoʻololi liʻiliʻi e hoʻoikaika i kāu hōʻaiʻē e hāʻawi iā ʻoe i nā koho moraki maikaʻi aʻe (a maʻalahi hoʻi ka ʻae ʻia) i ka wā e hiki mai ana.
ʻO nā mea hōʻaiʻē moraki haʻahaʻa
No ka laʻana, inā loaʻa iā ʻoe $3.000 i ka mahina ma mua o ka ʻauhau a loaʻa iā ʻoe he $500 i nā uku ʻaiʻē o kēlā me kēia mahina, ʻo 17% kāu DTI. ʻO nā aie i helu ʻia i kāu DTI nā mea e like me ka uku liʻiliʻi kāleka hōʻaiʻē, nā hōʻaiʻē kaʻa, nā hōʻaiʻē haumāna, etc.
"E nīnau i kāu luna hōʻaiʻē inā loaʻa iā lākou nā manaʻo e pili ana i ka hoʻonui ʻana i kāu helu ʻaiʻē - hiki iā lākou ke kōkua iā ʻoe e hoʻonui koke i kāu helu e kōkua iā ʻoe e loaʻa ka uku panee ʻoi aku ka maikaʻi," wahi a Jon Meyer, loea loan ma The Mortgage. a ʻae ʻia ka MLO.
Akā, pono ʻoe e hoʻokahua i kāu mau uku. E hoʻokaʻa mua i kāu mau aie, a laila kāu uku pono. ʻOiaʻiʻo, pono ʻoe e uku mau i kāu mau pili wai a me ka uila, akā ʻaʻole pili kēia mau uku i kāu helu ʻaiʻē e like me ka nele i kahi kāleka hōʻaiʻē a i ʻole ka uku hōʻaiʻē kaʻa.
ʻO ka ʻokoʻa ka wā e pono ai ʻoe e hoʻohana i ka hōʻaiʻē kuʻuna ʻole no ke kūpono (ʻo ia hoʻi, ʻaʻohe ou moʻolelo hōʻaiʻē). I kēlā hihia, e nānā ka mea hāʻawi i nā uku e like me nā bila pono a me nā uku hoʻolimalima e hoʻokō iā ʻoe.
ʻEhia ka nui e hiki iaʻu ke loaʻa ma kahi hōʻaiʻē home me kahi helu ʻaiʻē 720?
He mea koʻikoʻi loa kāu helu ʻaiʻē i ke kūʻai ʻana i hale, no ka mea, hōʻike ia i kāu moʻolelo o ke ʻano o kāu mālama ʻana i ka aie. A ʻo ka loaʻa ʻana o ka helu ʻaiʻē maikaʻi no ke kūʻai ʻana i hale e maʻalahi ke kaʻina holoʻokoʻa a ʻoi aku ka maʻalahi: ʻoi aku ka kiʻekiʻe o kāu helu ʻaiʻē, ʻo ia ka haʻahaʻa o ka uku moraki āu e kūpono ai.
Inā ʻelua a ʻoi aku paha nā mea hōʻaiʻē ma kahi hōʻaiʻē, ʻo ka helu awelika haʻahaʻa loa ma waena o nā mea kūʻai moraki āpau e manaʻo ʻia ʻo ia ka helu kūpono. ʻO ka ʻokoʻa i kēia mea he moraki maʻamau mau mea kūʻai aku i kākoʻo ʻia e Fannie Mae. I kēlā hihia, ua ʻawelika nā helu mean o nā mea hōʻaiʻē.
Inā loaʻa iā ʻoe ka helu ma waena o 580 a loaʻa iā ʻoe ka helu ʻaiʻē he 720, ʻo ka helu ʻaiʻē waena he 650. No ka mea ʻo ka helu haʻahaʻa loa no nā hōʻaiʻē maʻamau he 620, ʻo ia ke ʻano o ka ʻokoʻa ma waena o ka loaʻa ʻana o ka moraki a i ʻole.
Hoʻokahi mea āu e ʻike ai, ʻo ia no kāu uku uku a me nā kumu ʻinikua moraki, hōʻike ʻia ka helu waena haʻahaʻa, no laila e piʻi iki kāu uku. Aia kekahi mau kūlana kahi e hoʻohana mau ai ʻo Fannie Mae i ka helu awelika haʻahaʻa no ka helu. Paipai mākou iā ʻoe e kamaʻilio me kahi loea hōʻaiʻē home.
ʻAiʻai haʻahaʻa loa no ka loaʻa ʻana o ka moraki
E noi ka calculator iā ʻoe i kekahi ʻikepili no kāna helu ʻana a me ka hoʻoholo ʻana i nā kūlana kālā i manaʻo ʻia o ka hōʻaiʻē a me ka uku o ka moraki āu e uku ai i kēlā me kēia mahina. ʻO nā mea hoʻololi i hoʻohana ʻia ʻo ia ka nui o ka hōʻaiʻē moraki (ka nui a ka panakō e hāʻawi ai iā ʻoe ma muli o ke kumu kūʻai o ka hale), ka manawa a me ka uku ukupanee.
No ka hoʻopau ʻana i ka helu ʻana a loaʻa kahi kuhi o ka nui āu e uku ai no ka hōʻaiʻē moraki, e nīnau mākou iā ʻoe no ka ʻike e pili ana i kahi home me nā ʻano like me ka mea āu e makemake ai e kūʻai (kumukūʻai, he aha ka ʻāina i loko, inā ʻo ia kou wahi noho mua a inā he hale hou a i ʻole ka hale e noho nei) a me ka ʻike e pili ana i ka hōʻaiʻē moraki (pehea ka nui āu e pono ai a me ka lōʻihi o ka moraki).
ʻOkoʻa ka manawa hoʻolimalima o kahi moraki ma muli o ke ʻano o ka moraki. ʻOiai ʻo 30 mau makahiki ka palena kiʻekiʻe e uku ai i kahi Mortgage Rate Paʻa, ʻo ka manawa o kahi Mortgage Variable Rate he 40 mau makahiki (inā ua hoʻokō ʻia kekahi mau kūlana). Ma nā hihia ʻelua, ʻo ka palena liʻiliʻi e uku ai i ka hōʻaiʻē moraki he 10 mau makahiki.
