Investopedia koʻikoʻi
Pono kēia ʻatikala i nā huaʻōlelo hou no ka hōʻoia. E ʻoluʻolu e kōkua i ka hoʻomaikaʻi ʻana i kēia ʻatikala ma ka hoʻohui ʻana i nā huaʻōlelo mai nā kumu hilinaʻi. Hiki ke hoʻohālikelike ʻia a wehe ʻia nā mea kumu ʻole. E ʻimi i nā kumu: "Home Loan" - Nūhou - Nūpepa - Puke - Academic - JSTOR (ʻApelila 2020) (E aʻo pehea a me ka wā e wehe ai i kēia pou mai ka template)
Hiki i nā mea hōʻaiʻē moraki ke lilo i poʻe e moraki ana i ko lākou home a i ʻole he mau hui e moraki ana i ka waiwai kalepa (e laʻana, ko lākou hale ʻoihana ponoʻī, nā hale noho i hoʻolimalima ʻia i nā mea hoʻolimalima, a i ʻole kahi waihona hoʻopukapuka kālā). ʻO ka mea hāʻawi kālā maʻamau he ʻoihana kālā, e like me ka panakō, ka hui ʻaiʻē a i ʻole kahi hui moraki, e hilinaʻi ana i ka ʻāina i nīnau ʻia, a hiki ke hana pololei ʻia nā ʻaelike hōʻaiʻē ma o nā mea waena. ʻO nā hiʻohiʻona o nā hōʻaiʻē moraki, e like me ka nui o ka hōʻaiʻē, ke oʻo ʻana o ka hōʻaiʻē, ka uku pānaʻi, ke ʻano o ka uku ʻana i ka hōʻaiʻē a me nā ʻano ʻē aʻe, hiki ke ʻokoʻa loa. ʻO nā kuleana o ka mea hāʻawi i ka waiwai i hoʻopaʻa ʻia ma mua o ka poʻe ʻaiʻē ʻē aʻe o ka mea hōʻaiʻē, ʻo ia hoʻi, inā lilo ka mea hōʻaiʻē i ka panakalupa a i ʻole ka ʻaiʻē, e loaʻa wale i nā mea ʻaiʻē ʻē aʻe ka uku o ka aie iā lākou ma ke kūʻai ʻana i ka waiwai. e uku mua ia.
moraki norsk
Ke loaʻa iā ʻoe kahi home, hiki iā ʻoe ke hoʻohana i nā ʻano hōʻaiʻē moraki e loaʻa ai kahi hōʻaiʻē ma ka waiwai o kou home. ʻO nā koho maikaʻi no ka hoʻohana ʻana i ke kaulike o ka home ma kahi pānaʻi haʻahaʻa e pili ana i ka hoʻihoʻi kālā ʻana, nā hōʻaiʻē home equity, a me nā laina equity home (HELOCs).
Hiki iā ʻoe ke hōʻaiʻē i ka 80% o ka waiwai o kou home. Me ka loaʻa kālā hou ʻana o VA hiki iā ʻoe ke loaʻa i ka 100% o ka waiwai o kou home, akā ʻo ka poʻe kahiko a me nā lālā lawelawe hana e hiki ke loaʻa i kahi hōʻaiʻē VA.
Hiki i nā mea hale ke hōʻaiʻē a hiki i ka 80% o ka waiwai o ko lākou home me kahi hōʻaiʻē home equity, ʻike ʻia hoʻi he moraki lua. Eia naʻe, hiki i kekahi mau panakō liʻiliʻi a me nā uniona hōʻaiʻē ke ʻae iā ʻoe e lawe i ka 100% o kāu kapikala.
ʻOi aku ka nui o nā hōʻaiʻē home equity i ka hoʻohālikelike ʻana i ka refinancing, akā haʻahaʻa haʻahaʻa i hoʻohālikelike ʻia me kahi kāleka hōʻaiʻē a i ʻole ka hōʻaiʻē pilikino. ʻOiai he hōʻaiʻē hoʻokaʻawale me ka uku panee paʻa, e loaʻa iā ʻoe kahi uku mahina paʻa.
Hiki iā ʻoe ke hoʻohana i kāu kālā ponoʻī. Akā inā ʻaʻole nui kāu kālā - a ʻaʻole makemake ʻoe e hoʻopā i kāu waihona pilikino a i ʻole nā mea hoʻopukapuka ʻē aʻe - hiki i kahi hōʻaiʻē kālā hoʻokaʻawale a i ʻole ka laina o ka hōʻaiʻē home e kōkua iā ʻoe e kūʻai i kahi waiwai ʻē aʻe.
E ʻimi i nā helu hōʻaiʻē moraki
ʻO kekahi o nā pōmaikaʻi o ke kūʻai ʻana i hale ʻo ia ka hiki iā ʻoe ke kūkulu i ke kaulike i loko o ia mea a hoʻohana i kēlā kaulike e uku no ka hoʻoponopono hou ʻana o ka lumi kuke, hoʻopau i ka hōʻaiʻē kāleka hōʻaiʻē kiʻekiʻe, a i ʻole ke kōkua ʻana i ka uhi ʻana i nā haʻawina kula o kāu mau keiki.
ʻO ka waiwai waiwai ka ʻokoʻa ma waena o kāu aie ma kāu moraki a me ka waiwai o kēia manawa o kou home. Inā he $150.000 kāu ma kāu hōʻaiʻē home a he $200.000 kou home, loaʻa iā ʻoe he $50.000 o ke kaulike ma kou home.
Inā kūʻai ʻoe i hale no $200.000. Hiki iā ʻoe ke uku i lalo o 10% o ke kumu kūʻai o ka hale, ʻo ia ka $20.000. A laila e hāʻawi ka mea hāʻawi iā ʻoe i kahi hōʻaiʻē home $180.000.
Hiki i ka mea loiloi waiwai ke hāʻawi i ka loiloi kūhelu o ka waiwai kūʻai o kou home i kēia manawa. Eia nō naʻe, hiki iā ʻoe ke hoʻohālikelike i ka waiwai o kou home ma ka nānā ʻana i nā kūʻai kūʻai home like ʻole ma kou wahi a i ʻole ma ka nānā ʻana i nā kūʻai kūʻai hale pūnaewele e hāʻawi ana i kā lākou mau koho waiwai home.
ʻO ka ʻike ʻana i ka nui āu e hiki ai ke waiho i lalo he hana nui ia i ka hoʻomaopopo ʻana pehea ʻoe e kūkulu ai i ka waiwai i kou home. ʻO ka ʻae ʻia ʻana no kahi moraki ma mua o kou hāʻawi ʻana e kōkua iā ʻoe e hoʻomaopopo i ka nui o kāu waihona e pono ai ʻoe e hoʻohana no ka uku ʻana.
ʻAiʻai moraki
ʻO ka huaʻōlelo "moraki" e pili ana i kahi hōʻaiʻē i hoʻohana ʻia no ke kūʻai ʻana a mālama ʻana i kahi home, ʻāina, a i ʻole nā ʻano waiwai ʻē aʻe. Ua ʻae ka mea ʻaiʻē e uku i ka mea hāʻawi aku i ka manawa, ma ke ʻano maʻamau o nā uku maʻamau i māhele ʻia i ke kumupaʻa a me ka ukupanee. He mea hōʻaiʻē ka waiwai e hoʻopaʻa i ka hōʻaiʻē.
Pono ka mea ʻaiʻē e noi no kahi moraki ma o kā lākou mea hāʻawi makemake a e hōʻoia i ka hoʻokō ʻana i kekahi mau koi, e like me nā helu hōʻaiʻē liʻiliʻi a me nā uku uku. E hele ana nā noi moraki ma ke kaʻina hana underwriting ma mua o ka hiki ʻana i ka pae pani. ʻOkoʻa nā ʻano o nā moraki ma muli o nā pono o ka mea hōʻaiʻē, e like me nā hōʻaiʻē maʻamau a me nā hōʻaiʻē paʻa.
Hoʻohana nā kānaka a me nā ʻoihana i nā moraki e kūʻai i ka waiwai paʻa me ka ʻole e uku i ke kumukūʻai kūʻai piha ma mua. Hoʻihoʻi ka mea hōʻaiʻē i ka hōʻaiʻē a me ka ukupanee no kekahi mau makahiki i hoʻonohonoho ʻia a hiki i ka loaʻa ʻana o ka waiwai me ka uku ʻole ʻia. ʻIke ʻia hoʻi nā moraki ma ke ʻano he ʻae kūʻē i ka waiwai a i ʻole nā koi i ka waiwai. Inā hōʻole ka mea hōʻaiʻē i ka moraki, hiki i ka mea hāʻawi ke hoʻopaʻa i ka waiwai.
