Ke ano o ka moraki
"E ʻike ka poʻe nerds i kahi huaʻōlelo unsettling ma ka 'mortgage': 'mort,' a i ʻole 'make,'" kākau ʻo Weller. "No ka Old French ka hua'ōlelo, a ma mua o ka Latin, 'o ia hoʻi ka 'aʻahu o ka make'." He mea koʻikoʻi paha kēia. Ma hope o nā mea a pau, ʻo ka hale āu i kūʻai ai he wahi āu e noho ai. Ua hōʻike ʻo Quentin Fottrell Marketplace e pilikia ana ka hapalua o nā ʻAmelika i ka uku no ko lākou home.
Wahi a ka noiʻi "How Housing Matters", i alakaʻi ʻia e John D. a me Catherine T. MacArthur Foundation a me Hart Research Associates, 50% o nā ʻAmelika i hana i kahi mōhai nui, e like me ka lawe ʻana i ka ʻaiʻē kāleka. hana, i nā makahiki ʻekolu i hala iho nei, i hiki ke uku i ko lākou hale. Noʻonoʻo ka poʻe loea i nā kumukūʻai hale ʻaʻole i ʻoi aku ma mua o 30% o ka loaʻa kālā o ka home e hiki ke kūʻai ʻia, akā kuhikuhi ʻo Fottrell e "15% o nā mea hale ʻAmelika e noho nei i nā mākeke hale kahi e koi ai ka moraki ma ka hale kūʻai waena ma mua o 30% ʻO ka loaʻa kālā ma waena o ka ʻohana i kēlā me kēia mahina, i manaʻo ʻia ʻo ia ka mea kiʻekiʻe loa no ka uku hoʻolimalima/moraki." Aia nā helu i nā ʻauhau waiwai, nā ʻinikua like ʻole, ka mālama ʻana, a me ka uku moraki—nā koina a pau o ka mālama ʻana a me ka uku ʻana i kahi moraki. ma luna o ka hui - aia nō $75 i ka mahina. Inā mākou e hoʻokaʻawale iā ia ma ka pākēneka o ka loaʻa kālā ma mua o ka ʻauhau, ʻaneʻane 447% o ka loaʻa kālā o ka home.
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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 a wehe ʻia nā mea kumu ʻole. E ʻimi i nā kumuwaiwai: "Home Loan" - Nūhou - Nūpepa - Buke - Scholar - 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 merriam webster
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.
ʻōlelo moraki
Eia 3 mau mea e pono ai ka poe kuai hale o Louisville e ike i ka pii ana o ka uku panee moraki – Ma ka moraki, he wahi kuai ia no na mea kuai e noonoo ana e komo i ka makeke, aka, aole ia mau helu ma ka palapala.
Nui nā kumu a me nā mea hoʻololi e noʻonoʻo ai, ʻo ia hoʻi ka loaʻa kālā a me ka ʻaiʻē o kēia manawa, nā waiwai pilikino, ka helu ʻaiʻē, nā kālā hoʻohaʻahaʻa, ka uku paneʻe moraki, ke kumu kūʻai, a me kahi a me ke ʻano o ka waiwai.
ʻO ka hoʻoholo a Kelemania e moraki i kona ikehu e hiki mai ana (a me kona hoʻokele waiwai) i ka aila a me ke kinoea Lūkia me he mea lā he kuhi hewa o ka papa kuhikuhi mua, ʻaʻole i loaʻa ka palekana o ka ikehu a i ʻole ka hopena maikaʻi loa.
Noi mai ka bila e hoemi i ka palena o ka aie moraki i $250.000 a emi mai. ʻO kāna poʻe kākoʻo, me ka Oregon Association of Realtors, ua hōʻike i kēia kulekele ma ke ʻano he mea e pōmaikaʻi a hoʻomaikaʻi i nā mea hale.
Eia naʻe, ua pilikia ka hana o ke kula kānāwai e nā paio ma waena o nā Cahns a me nā kumu, disorganization, a me nā pilikia kālā i alakaʻi i ka male, i kekahi manawa, e moraki i ko lāua home e hoʻomau i ka holo.
