Moraki Aohe Waihona Aupuni
ʻO 100% nā hōʻaiʻē moraki i hoʻolilo kālā i ke kumukūʻai kūʻai holoʻokoʻa o kahi home, e hoʻopau ana i ka pono o ka uku. Loaʻa ka poʻe kūʻai hale hou a hou i ka 100% kālā ma o nā papahana aupuni i kākoʻo ʻia e ke aupuni.
Ma hope o ka noiʻi nui ʻana, ua hoʻoholo nā panakō a me nā keʻena hāʻawi kālā ʻoi aku ka kiʻekiʻe o ka uku mua ma kahi hōʻaiʻē, ʻoi aku ka liʻiliʻi o ka mea ʻaiʻē. ʻO ka mea maʻamau, ʻoi aku ka nui o ka mea kūʻai aku me ka nui o ka waiwai waiwai i ka pāʻani.
ʻO ia ke kumu, i nā makahiki i hala aku nei, ua lilo ka nui o ka uku uku maʻamau i 20%. ʻO nā mea ʻē aʻe ma mua o kēlā e koi ai i kekahi ʻano o ka ʻinikua, e like me ka inikua moraki pilikino (PMI), i mea e hoʻihoʻi ai ka mea hāʻawi i kā lākou kālā inā hōʻole ka mea ʻaiʻē i ka hōʻaiʻē.
ʻO ka mea pōmaikaʻi, aia nā papahana kahi e hāʻawi ai ke aupuni i ka ʻinikua i ka mea hāʻawi kālā, ʻoiai inā ʻaʻole ka uku mua o ka hōʻaiʻē. Hāʻawi kēia mau hōʻaiʻē i kākoʻo ʻia e ke aupuni i kahi ʻokoʻa ʻole o ka uku i lalo i nā moraki maʻamau.
ʻOiai e loaʻa ana nā hōʻaiʻē FHA i kahi kokoke i kēlā me kēia mea e hoʻokō i nā pae hoʻohālike, pono ʻoe i ka mōʻaukala o ka ʻoihana koa e hiki ai i kahi hōʻaiʻē VA a pono ʻoe e kūʻai ma kahi kuaʻāina a i ʻole ka ʻāina no ka USDA. E wehewehe ʻia nā kumu kūpono ma hope.
Ka loaʻa kālā o 100% o nā waiwai hoʻopukapuka
No nā mea kūʻai hale he nui, ʻo ka mālama ʻana no ka uku hoʻohaʻahaʻa hiki ke ʻike ʻia he mea paʻakikī nui, ʻoi aku hoʻi me nā kumukūʻai home skyrocketing. Akā aia nā koho moraki i hoʻolālā ʻia no ka poʻe hiki ʻole ke mālama i ka 20% maʻamau o ka nui o ka hōʻaiʻē, a ʻaʻole makemake e kali a hiki i ka wā e hana ai.
ʻO ke ala nui e loaʻa ai kahi moraki me ka uku ʻole ʻia me kahi hōʻaiʻē kākoʻo aupuni. Hoʻopaʻa ʻia kēia mau hōʻaiʻē e ke aupuni pekelala, ʻo ia hoʻi ʻaʻole pono ka mea nāna e hāʻawi i nā pilikia āpau inā loaʻa kahi paʻa e alakaʻi i ka paʻa. Hoʻoikaika kēia i ka mea hāʻawi e hāʻawi iā ʻoe i nā ʻōlelo hōʻaiʻē maikaʻi. Nui nā koho nui no ka moraki uku ʻole i kākoʻo ʻia e ke aupuni.
Loaʻa ka haʻahaʻa a i ʻole ʻole nā koina o nā hōʻaiʻē VA, a ʻoi aku ka haʻahaʻa o ka uku panee ma mua o nā huahana moraki maʻamau. ʻOi aku ka maʻalahi o kēia mau hōʻaiʻē, e ʻae ana i ka ratio kiʻekiʻe o ka ʻaiʻē a me ka loaʻa kālā (DTI) a me nā helu ʻaiʻē haʻahaʻa, a ʻaʻole koi i ka ʻinikua moraki pilikino (PMI).
ʻAʻole koi ʻia nā hōʻaiʻē VA i nā uku hoʻohaʻahaʻa inā lōʻihi ke kumukūʻai kūʻai aku a i ʻole ka liʻiliʻi ma mua o ka waiwai i koho ʻia o ka home. ʻO ka "VA Home Loan Guaranty" kahi hoʻonohonoho e hoʻihoʻi ai ka VA i ka mea hāʻawi i ka wā i loaʻa ai ka poho, ma kahi o ka uku mua.
hōʻaiʻē usda
Ma ka hapanui o nā moraki equity home, uku ʻoe i ka pākēneka o ka waiwai o ka home ma mua (ka waihona), a laila uku ka mea hāʻawi i ke koena (ka moraki). No ka laʻana, no kahi moraki 80%, pono ʻoe e kau i kahi waihona 20%.
Hiki i kāu mea hōʻoia ke waiho i ke kālā i loko o kahi waihona mālama kālā me ka mea hāʻawi moraki, maʻamau 10-20% o ke kumukūʻai o ka home. E noho ana ma laila no kekahi mau makahiki. I kēia manawa, ʻaʻole hiki i ka mea hōʻoia ke hoʻihoʻi i kekahi o ke kālā.
Ke loaʻa iā ʻoe kahi moraki 100%, ʻoi aku ka pilikia o ke komo ʻana i kahi kūlana kaulike maikaʻi ʻole. Inā hiki kēia, hiki iā ia ke hoʻopilikia inā makemake ʻoe e moraki hou a neʻe paha i nā hale. Hiki iā ʻoe ke hoʻopaʻa ʻia i loko o ka uku hoʻololi maʻamau o kāu mea hāʻawi aku a uku ʻoi aku ma mua o kou makemake me kahi hāʻawi hoʻokūkū.
ʻAe, aia kekahi mau mea hoʻolako moraki e ʻae iā ʻoe e loaʻa kahi waihona manawa. ʻO ka maʻamau he 10% o ka waiwai o ka home, pono e hāʻawi ʻia e kahi mea hōʻoia, e like me ka makua a i ʻole ka hoahānau.
Me kahi waiho manawaleʻa, waiho ʻia ke kālā i kahi waihona mālama kūikawā no kahi manawa i hoʻonohonoho ʻia. ʻO ka manawa maʻamau ka mea kūʻai aku e uku i ka nui like o ka hōʻaiʻē i loko o ka waihona mālama.
He aha ke ʻano o ke kālā kālā 100% i ke kūʻai ʻana i kaʻa?
Ma kēia ʻatikala, e nānā mākou i kekahi o nā koho āu e makemake ai e kūʻai i hale me ka uku ʻole. E hōʻike pū mākou iā ʻoe i kekahi mau koho hōʻaiʻē haʻahaʻa haʻahaʻa, a me ka mea hiki iā ʻoe ke hana inā loaʻa kāu helu ʻaiʻē haʻahaʻa.
E like me ka hōʻike ʻana o ka inoa, ʻo kahi moraki uku ʻole he hōʻaiʻē home hiki iā ʻoe ke loaʻa me ka uku ʻole. ʻO ka uku mua ka uku mua i hana ʻia ma ka home a pono e hana ʻia i ka manawa o ka pau ʻana o ka hōʻaiʻē moraki. E helu pinepine nā mea hōʻaiʻē i ka uku hoʻohaʻahaʻa ma ke ʻano he pākēneka o ka nui o ka hōʻaiʻē.
No ka laʻana, inā kūʻai ʻoe i hale no $200.000 a loaʻa iā ʻoe he 20% uku, hāʻawi ʻoe i $40.000 i ka pau ʻana. Pono nā mea hōʻaiʻē i ka uku hoʻohaʻahaʻa no ka mea, e like me ke kumumanaʻo, ʻoi aku kou makemake e hoʻopaʻa i kahi hōʻaiʻē inā loaʻa iā ʻoe kahi hoʻopukapuka mua ma kou home. ʻO nā uku hoʻohaʻahaʻa he pilikia nui no ka nui o nā mea kūʻai hale, no ka mea hiki i nā makahiki ke mālama i kahi kālā.
ʻO ke ala wale nō e loaʻa ai kahi moraki ma o nā mea kūʻai moraki nui me ka uku ʻole ʻana, ʻo ia ka lawe ʻana i kahi hōʻaiʻē i kākoʻo ʻia e ke aupuni. Hoʻopaʻa ʻia nā hōʻaiʻē kākoʻo aupuni e ke aupuni federal. I nā huaʻōlelo ʻē aʻe, kōkua ke aupuni (me kāu mea hāʻawi kālā) i ka hoʻopaʻa ʻana i ka bila inā ʻaʻole ʻoe i kau i kāu moraki.
