Helu helu aie i ka waiwai
ʻAʻole pono ka poʻe nona ka hale me ka 80% loan-to-value inikua pilikino (PMI). A he kuleana maʻamau lākou e hoʻohaʻahaʻa i ka uku paneʻe. No laila, ʻo ka hoʻolilo ʻana i kahi uku hoʻohaʻahaʻa nui a loaʻa i kahi ratio loan-to-value o 80% a i ʻole ka liʻiliʻi he nui nā pono.
He maʻalahi ka helu ʻana i ka ratio loan-to-value. ʻO nā mea a pau āu e hana ai, ʻo ka lawe ʻana i ka nui o ka hōʻaiʻē a puʻunaue i ke kumukūʻai kūʻai a i ʻole, inā he refinance, e puʻunaue i ka waiwai i koho ʻia. A laila e hoʻonui i ka 100 e loaʻa i kāu ratio loan-to-value.
ʻO ka LTV maʻamau; ka CLTV, ka mea e hoʻohui i kāu moraki mua me ka nui āu i unuhi ai mai kāu moraki ʻelua; a me ka HCLTV, e noʻonoʻo ana i ke koena holoʻokoʻa o kāu moraki mua a me ka lua, me ka nānā ʻole i ka nui āu i unuhi ai.
No ka laʻana, ʻo ka polokalamu hōʻaiʻē FHA kaulana e ʻae i ka uku haʻahaʻa o 3,5% wale nō. ʻO ia ka mea like me ka ʻōlelo ʻana he LTV kiʻekiʻe loa ka papahana o 96,5%, no ka mea inā ʻoe e hana i kahi 3,5% i lalo o ka uku, ʻo ka hapa nui āu e hiki ai ke hōʻaiʻē he 96,5% o ke kumukūʻai home.
No kahi hōʻaiʻē home, ʻoi aku ka maikaʻi o ka ratio loan-to-value 80% no ka mea e hōʻemi ana i ka pilikia o ka mea nāna e hāʻawi i ke kālā inā hewa ka mea ʻaiʻē. ʻO ia ke kumu e loaʻa ai i ka poʻe kūʻai hale me ka 20% iho a me 80% loan-to-value ratio e loaʻa nā uku kūikawā, e like me ka pale ʻana i ka ʻinikua moraki.
Lakiō hōʻaiʻē i ka waiwai
Hāʻawi ka poʻe hāʻawi i kahi waiwai nui ma ka ratio loan-to-value i ka wā e loiloi ai i kāu noi hōʻaiʻē. ʻO ka haʻahaʻa o ka LVR, ʻo ka haʻahaʻa haʻahaʻa i ka panakō, no laila e loaʻa paha iā ʻoe nā kumukūʻai ʻoi aku ka maikaʻi me kahi hōʻaiʻē home LVR haʻahaʻa.
E hoʻohana nā hui ʻē aʻe i ka loiloi papapihi (AVM a i ʻole kamepiula i hana ʻia) a i ʻole kahi loiloi i kaupalena ʻia (drive-through appraisal), ma mua o kahi loiloi piha ʻoi aku ka pipiʻi a me ka manawa e pono ai ka nānā kino o ka waiwai.
ʻO ka ratio loan-to-value (LVR) a nā panakō e ʻae iā ʻoe e loaʻa ma muli o ka nui o ka hōʻaiʻē home āu e pono ai, kahi o kāu waiwai, kou mōʻaukala aie a me ke ʻano o ka hōʻaiʻē āu e noi nei.
»…Ua hiki iā ia ke loaʻa iā mākou me ka wikiwiki a me ka haʻahaʻa haʻahaʻa loa i kahi hōʻaiʻē ma ka uku ukupanee maikaʻi ke haʻi mai kekahi iā mākou he paʻakikī loa ia. Pīhoihoi loa i kā lākou lawelawe a makemake nui i nā loea mortgage i ka wā e hiki mai ana "
“… ua maʻalahi lākou i ke kaʻina noi a me ka hoʻoponopono ʻana a me ke kaumaha ʻole. Hāʻawi lākou i ka ʻike maopopo loa a pane koke lākou i nā nīnau. Ua maopopo loa lākou ma nā ʻano āpau o ke kaʻina hana. "
40 ltv moraki
ʻO ke kumu, ʻo ka ratio loan-to-value (LTV) ʻo ia ka ʻaoʻao ʻaoʻao o ka uku hoʻohaʻahaʻa, me ka manaʻo e like ke kumukūʻai kūʻai me ka waiwai i koho ʻia o ka home. No laila inā hāʻawi ʻoe i ka 20% i lalo, ʻo 80% kāu LTV. Inā he ʻokoʻa ma waena o ke kumukūʻai i koho ʻia a me ke kumukūʻai āu i ʻae ai e uku, e hoʻohana ka mea hāʻawi i ka helu haʻahaʻa e helu ai i kāu LTV (ka nui o ka hōʻaiʻē i puʻunaue ʻia e ka waiwai i koho ʻia a i ʻole ke kumu kūʻai kūʻai). He ʻoiaʻiʻo kēia inā kūʻai ʻoe a hoʻihoʻi hou. Me ka LTV o 80% a i ʻole ka liʻiliʻi, e ʻae ʻia ʻoe no nā kumukūʻai haʻahaʻa haʻahaʻa a me nā huaʻōlelo ʻoi aku ka maikaʻi. Hiki iā ʻoe ke hana i kekahi mau ʻanuʻu e hoʻohaʻahaʻa i kāu LTV, e like me ka hana ʻana me kahi kākāʻōlelo kālā e hoʻonui i kāu waihona a hoʻonui i ka uku.
ʻO ka ratio loan-to-value (LTV) ka pākēneka o ka waiwai i koho ʻia o ka home (a i ʻole ke kumu kūʻai, inā haʻahaʻa) i ʻaiʻē ʻia. No ka helu ʻana i ka ratio loan-to-value, e lawe i ka nui o kāu moraki a puʻunaue i ke kumukūʻai kūʻai a i ʻole ke kumukūʻai i koho ʻia o ka home, ʻoi aku ka liʻiliʻi. A laila e hoʻonui i ka 100 e hoʻololi i ka ratio i ka pākēneka.
He aha ka lakio hōʻaiʻē maikaʻi no ka hoʻihoʻi kālā?
ʻO ka pane pōkole, ʻo ka ratio loan-to-value kahi helu e hoʻohana pinepine ai nā mea hāʻawi kālā ma ke ʻano he ala e loiloi ai i nā pilikia i loaʻa i ka hana ʻana i kahi hōʻaiʻē. Ma ka noʻonoʻo ʻana i kēia, ua hilinaʻi pū ʻia nā uku pānaʻi moraki ma nā ʻano kumu like ʻole: ka uku nui, ka helu ʻaiʻē, nā palena hōʻaiʻē, ka mea hāʻawi pilikino, etc. - ʻo ia ka LTV kekahi o nā mea i hoʻohana nui ʻia a kaulana.
ʻO ka ratio loan-to-value he helu (i hōʻike ʻia ma ke ʻano he pākēneka) e ana i ka waiwai i koho ʻia o ka home āu e makemake ai e kūʻai e pili ana i ka nui o ka hōʻaiʻē āu e makemake ai e noi. Hoʻohana pinepine ʻia e nā mea hāʻawi kālā i nā kālepa waiwai e hoʻoholo ai inā kūpono ʻoe i kahi hōʻaiʻē.
ʻO ka hopena, hoʻohālikelike ka ratio loan-to-value i ka nui o ka hōʻaiʻē āu e manaʻo ai e loaʻa i ka waiwai o ka home. Hoʻohana nā mea hōʻaiʻē i ka ratio loan-to-value e hoʻoholo ai i ka pilikia e hiki iā lākou ke lawe inā hoʻoholo lākou e hāʻawi iā ʻoe i kahi hōʻaiʻē, a no ka hoʻoholo ʻana i nā hōʻaiʻē āu e kūpono ai ma muli o ka nui o ka uku hoʻohaʻahaʻa a i ʻole ke kaulike āu i loaʻa ai ma ka home. Ke laina lalo: ʻO ka haʻahaʻa o ka loan-to-value (LTV), ʻoi aku ka liʻiliʻi o ka moraki e ʻike ʻia e nā mea hāʻawi kālā. No laila, ʻo ka loaʻa ʻana o kahi ratio loan-to-value haʻahaʻa hiki ke hoʻomaikaʻi i kou manawa e loaʻa ai kahi moraki hoʻokūkū.
