ʻO ke ʻano o ka moraki home
He lawelawe hoʻohālikelike kūʻokoʻa mākou, kākoʻo hoʻolaha. ʻO kā mākou pahuhopu ke kōkua iā ʻoe e hoʻoholo i nā hoʻoholo kālā ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka pahuhopu, a hiki iā ʻoe ke alakaʻi i ka noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
ʻO nā hāʻawi i hōʻike ʻia ma kēia pūnaewele mai nā hui e uku mai iā mākou. Hiki i kēia uku ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kēia pūnaewele, me ka laʻana, ke ʻano o ke ʻano e ʻike ʻia ai i loko o nā papa inoa. Akā ʻaʻole pili kēia uku i ka ʻike a mākou e paʻi ai, a me nā loiloi āu e ʻike ai ma kēia pūnaewele. ʻAʻole mākou e hoʻokomo i ka honua o nā hui a i ʻole nā haʻawina kālā i loaʻa iā ʻoe.
He lawelawe hoʻohālikelike kūʻokoʻa mākou i kākoʻo ʻia e hoʻolaha. ʻO kā mākou pahuhopu ke kōkua iā ʻoe e hoʻoholo i nā hoʻoholo kālā ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka pahuhopu, a hiki iā ʻoe ke alakaʻi i ka noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
Hiki iaʻu ke loaʻa kahi moraki ma ka hale aʻu i loaʻa mua ai?
He lawelawe hoʻohālikelike kūʻokoʻa mākou, kākoʻo hoʻolaha. ʻO kā mākou pahuhopu e kōkua iā ʻoe e hoʻoholo i nā hoʻoholo kālā ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me nā pahuhopu, a e ʻae iā ʻoe e noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
ʻO nā hāʻawi i hōʻike ʻia ma kēia pūnaewele mai nā hui e uku mai iā mākou. Hiki i kēia uku ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kēia pūnaewele, me ka laʻana, ke ʻano o ke ʻano e ʻike ʻia ai i loko o nā papa inoa. Akā ʻaʻole pili kēia uku i ka ʻike a mākou e paʻi ai, a me nā loiloi āu e ʻike ai ma kēia pūnaewele. ʻAʻole mākou e hoʻokomo i ka honua o nā hui a i ʻole nā haʻawina kālā i loaʻa iā ʻoe.
He lawelawe hoʻohālikelike kūʻokoʻa mākou i kākoʻo ʻia e hoʻolaha. ʻO kā mākou pahuhopu ke kōkua iā ʻoe e hoʻoholo i nā hoʻoholo kālā ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka pahuhopu, a hiki iā ʻoe ke alakaʻi i ka noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
Hiki iaʻu ke hoʻihoʻi i koʻu hale me ka ʻole o ka hana?
ʻO kahi hōʻaiʻē home equity—i ʻike ʻia hoʻi he home equity loan, home equity installment loan, a i ʻole moraki lua—he ʻano ia o ka mea kūʻai. Hāʻawi ka Home Equity Loan i nā mea hale e hōʻaiʻē kūʻē i ka waiwai o ko lākou home. Hoʻokumu ʻia ka nui o ka hōʻaiʻē ma ka ʻokoʻa ma waena o ke kumukūʻai makeke o kēia manawa a me ke koena o ka moraki o ka mea nona. Loaʻa i nā hōʻaiʻē home equity maʻamau ka uku paʻa, ʻoiai ʻo ka ʻokoʻa maʻamau, nā laina kaulike home (HELOCs), maʻamau he mau uku hoʻololi.
ʻO ke kumu, ua like ka hōʻaiʻē home equity me ka moraki, no laila ka inoa ʻelua moraki. ʻO ke kaulike i loko o ka home he mea hōʻoia no ka mea hāʻawi. ʻO ka nui o ka mea nona ka hale e hōʻaiʻē ma muli o ka ratio loan-to-value (CLTV) hui ʻia o 80% a 90% o ka waiwai i koho ʻia. ʻOiaʻiʻo, ʻo ka nui o ka hōʻaiʻē a me ka uku pānaʻi i kau ʻia ma muli o ka helu ʻaiʻē a me ka mōʻaukala uku.
Loaʻa i nā hōʻaiʻē home equity kuʻuna i kahi manawa uku, e like me nā moraki maʻamau. Hāʻawi ka mea ʻaiʻē i nā uku maʻamau a paʻa e uhi ana i ke kumu a me ka ukupanee. E like me kekahi moraki, inā ʻaʻole i uku ʻia ka hōʻaiʻē, hiki ke kūʻai ʻia ka hale e hoʻokō i ke koena aie.
ʻOi aku ka maʻalahi o ka loaʻa ʻana o kahi moraki inā he hale kāu?
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 ka VA, hiki iā ʻoe ke loaʻa i ka 100% o ka waiwai o kou home, akā ʻo nā 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.
