Pono ka loaʻa kālā no ka moraki o 200.000
No laila inā loaʻa iā ʻoe ka £28.000, ʻo kou palena paʻakikī paha he £112.000. Hiki iā mākou ke kōkua iā ʻoe e loaʻa i ka mea hāʻawi kālā kūpono e hāʻawi iā ʻoe i ka £140.000 a i kekahi mau kūlana ʻoiai ʻo £168.000, akā liʻiliʻi ka manawa e hiki ai iā ʻoe ke hele ma luna o kēlā.
E hoʻomanaʻo i ka nui o ka hōʻaiʻē. Manaʻo ʻia ʻoe e kau i kahi waihona 10%, no laila e hoʻokomo ʻia kahi moraki £206.000 iā ʻoe i ka mākeke no kahi hale i kūʻai ʻia ma ka £228.889 a i ʻole.
Hāʻawi ka mea hoʻonui uku iā ʻoe i kahi pae maikaʻi, akā ʻo ka affordability ke kī. Hoʻoholo ʻia kēia ma ka lawe ʻana i kāu loaʻa kālā a me ka unuhi ʻana i kāu mau hoʻolimalima maʻamau o kēlā me kēia mahina a ʻike i nā mea i koe. Inā makemake ʻoe e puhi i nā kālā a pau āu i koe ai a hoʻopau me ka liʻiliʻi loa i ka hopena o ka mahina, e pili ana kēia i kāu noi.
Eia naʻe, ʻaʻole pono ʻoe e paʻakikī i ka helu ʻana i nā mea āpau: e ʻike i loko o kekona inā hiki iā ʻoe ke kūpono no kahi moraki me kā mākou helu moraki. ʻAʻole ia e haʻi wale iā ʻoe i ka nui o ka hale hiki iā ʻoe ke loaʻa, akā e hāʻawi pū kekahi iā ʻoe i nā ʻike koʻikoʻi, e like me ka nui o nā ʻauhau kānāwai i kākau ʻia āu e uku ai a ʻoi aku.
Pono ka loaʻa kālā no kahi moraki 300k
ʻO ke kūʻai ʻana i hale me kahi moraki ka mea nui o ka hoʻopukapuka pilikino koʻikoʻi i hana ʻia e ka hapa nui o nā kānaka. ʻEhia ka nui āu e hiki ai ke hōʻaiʻē ma muli o nā kumu he nui, ʻaʻole wale ka nui o kahi panakō e makemake e hāʻawi iā ʻoe. Pono ʻoe e loiloi ʻaʻole wale i kāu kālā, akā i kāu mau makemake a me nā mea nui.
Ma keʻano laulā, hiki i ka hapa nui o nā mea hale ke hoʻolimalima i kahi home me kahi moraki ma waena o ʻelua a ʻelua a me ka hapa manawa i kā lākou loaʻa kālā makahiki. Wahi a kēia kumu, hiki i ke kanaka loaʻa $100.000 i ka makahiki ke loaʻa i kahi moraki ma waena o $200.000 a me $250.000. Eia naʻe, ʻo kēia helu ʻana he alakaʻi maʻamau wale nō.
ʻO ka hope loa, i ka wā e hoʻoholo ai i kahi waiwai, pono e noʻonoʻo ʻia nā kumu hou aʻe. ʻO ka mea mua, kōkua ia e ʻike i ka manaʻo o ka mea hāʻawi kālā hiki iā ʻoe ke loaʻa (a pehea lākou i hiki ai i kēlā kuhi). ʻO ka lua, pono ʻoe e noʻonoʻo pono iā ʻoe iho a ʻike i ke ʻano o ka hale āu e makemake ai e noho inā e hoʻolālā ʻoe e hana pēlā no ka manawa lōʻihi a me nā ʻano ʻai ʻē aʻe āu e makemake ai e haʻalele - a ʻaʻole paha - e noho ai. kou home.
ʻEhia ka nui o kaʻu kālā e pono ai no kahi moraki o 400 tausani
Manaʻo ʻoe e kaupalena ana kāu loaʻa kālā i kou hiki ke kūʻai i hale? ʻO ka nui o ke kālā āu e hana ai he mea liʻiliʻi loa ia ma mua o kou manaʻo i ka wā e loaʻa ai kahi moraki. E ʻike i ka hopena o ka loaʻa kālā i ke kūʻai ʻana i ka home i kūpono loa iā ʻoe.
ʻOi aku ka manaʻo o nā mea hāʻawi kālā ma mua o kāu uku ke kūʻai ʻana i home. ʻOi aku ka nui o kāu lākiō aie i ka loaʻa kālā (DTI) a me kou hiki ke uku moraki ma mua o ka nui o kāu loaʻa. E noʻonoʻo nō hoʻi lākou i kāu helu ʻaiʻē a me ka nui āu e loaʻa ai no ka uku ʻana.
ʻO kahi hoʻomaka maikaʻi ke ʻae ʻia ma mua, ʻoiai inā ʻaʻole ʻoe maopopo hiki ke loaʻa kahi moraki i kāu loaʻa kālā o kēia manawa. ʻO ka preapproval he leka mai kahi moraki e hōʻike ana iā ʻoe i ka nui o ke kālā āu e hōʻaiʻē ai. Ke ʻae ʻia ʻoe, e nānā nā mea hāʻawi kālā i kāu loaʻa, hōʻike hōʻaiʻē, a me nā waiwai. ʻAe kēia i ka mea hāʻawi kālā e hāʻawi iā ʻoe i kahi kuhi pololei loa i ka nui o ka home āu e hiki ai ke loaʻa.
ʻO ka ʻae mua e hāʻawi iā ʻoe i kahi kālā kūpono e hoʻohana i ka wā e hoʻomaka ai ʻoe e ʻimi i kahi home. Ke ʻike ʻoe i kāu kālā i manaʻo ʻia, hiki iā ʻoe ke nānā i nā hale kūʻai aku e ʻike i ke ʻano o nā kumukūʻai maʻamau. He hōʻailona maikaʻi ia e mākaukau ʻoe e kūʻai inā loaʻa iā ʻoe nā koho nani i kāu pae kumu kūʻai.
Pono ka loaʻa kālā no kahi moraki o 500 tausani
Inā makemake ʻoe e noi no kahi moraki, e hāʻawi kā mākou helu hōʻaiʻē iā ʻoe i kahi manaʻo koʻikoʻi o ka nui o ka mea hāʻawi kālā e hāʻawi iā ʻoe e pili ana i kāu loaʻa kālā a inā ʻoe e kūʻai mai i kekahi.
Hāʻawi maʻamau nā panakō a me nā hui hale a hiki i ʻehā a me ka hapa ka loaʻa kālā makahiki o ʻoe a me nā mea āu e kūʻai aku ai. ʻO ia ke kumu inā kūʻai wale ʻoe a loaʻa ka £30.000 i ka makahiki, hiki iā lākou ke hāʻawi iā ʻoe i ka £135.000.
Eia naʻe, aia kekahi mau ʻokoʻa. Hāʻawi kekahi mau panakō i nā hōʻaiʻē home ʻoi aku ka nui i ka poʻe ʻaiʻē i ʻoi aku ka nui o ka loaʻa kālā, ʻoi aku ka nui o nā waihona, a i ʻole hana i nā ʻoihana kikoʻī. Inā kūpono ʻoe, hiki iā ʻoe ke hōʻaiʻē i ʻelima a me ka hapa manawa o kāu loaʻa.
I ka hapanui o nā hihia, e "ho'āʻo koʻikoʻi" nā mea hāʻawi kālā i kekahi hoʻolālā uku moraki i manaʻo ʻia e hiki ke pale i ka piʻi ʻana o ka uku paneʻe ma kahi o ʻekolu mau pakeneka. Ke noʻonoʻo nei ka Bank of England e wehe i kēia koi, ʻoiai ʻaʻole hiki ke hoʻololi ʻia a hiki i 2023.
Inā loaʻa iā ʻoe kahi moraki uku paʻa, ʻaʻole pili ka piʻi ʻana o ka uku paneʻe iā ʻoe a hiki i ka pau ʻana o kāu manawa paʻa. Akā, me ka moraki ololi, hiki ke piʻi a i lalo ka ukupanee i kēlā me kēia manawa i ka wā.
