6x nā mea hōʻaiʻē moraki uku 2021
Ke manaʻo nei 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.
Ehia mau manawa o ka uku no ka moraki UK
ʻO ke kūʻai ʻana i home me kahi moraki ka mea nui loa o ka hoʻopukapuka pilikino nui a ka poʻe e hana ai. ʻEhia ka nui āu e hiki ai ke hōʻaiʻē ma muli o nā kumu he nui, ʻaʻole wale ka nui o ka panakō 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.
ʻAiʻe i ka Laki Loaʻa
ʻO ke ala wale nō e ʻike maopopo ai i ka nui o ka moraki hiki iā ʻoe ke loaʻa me kāu uku uku, ʻo ia ke kamaʻilio me kahi mea hāʻawi. E aʻo lākou i nā ʻano āpau o kāu kūlana kālā e helu i ka nui pololei āu e hōʻaiʻē ai.
Inā he ʻaiʻē kāu, e like me ka uku kaʻa, ka hōʻaiʻē haumāna a i ʻole ka uku kāleka hōʻaiʻē, e unuhi nā mea hāʻawi kālā i kēlā mau lilo mai kāu loaʻa kālā o kēlā me kēia mahina ma mua o ka helu ʻana i ka nui o ka uku moraki hiki iā ʻoe ke loaʻa.
Akā, e ʻike kākou i kekahi mau laʻana i ka hana. Ke hana nei mākou i nā manaʻo like a mākou i hoʻohana ai i kā mākou mau hiʻohiʻona ma luna, koe wale nō nā lilo o kēlā me kēia mahina ($300) a me nā uku ukupanee kūpono.
Nerdwallet Mortgage Calculator
I kēia manawa ua pau ka ʻaelike paʻa paʻa ʻelima makahiki, makemake ʻoe e moraki hou me kahi moraki paʻa paʻa hou. Mai ia manawa, ua uku ʻoe i ka £40.000 o ka ʻaiʻē nui, i ka ʻaiʻē ʻana i ka £320.000 i ka mea nāna i hāʻawi aku, a ua piʻi ka waiwai o kou hale i ka £420.000. Eia nō naʻe, ʻo kahi moraki he 76% e like me ka 80% loan-to-value moraki. ʻO kahi koho ʻē aʻe e hoʻāʻo e kiʻi i kahi moraki me kahi ratio loan-to-value kiʻekiʻe aʻe.
