home loan deutsch
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.
Palapala moraki
Ke ʻimi nei ʻoe i hale hou? E alakaʻi paha ia iā ʻoe e ʻimi i kahi moraki, me ka nui o nā huaʻōlelo, nā hola o ka pepa a me nā makahiki o nā uku. E aʻo pehea e loaʻa ai ka nui o kāu kālā.
Pehea e helu ʻia ai ka ukupanee ma ka moraki? ʻO ka ukupanee ka pākēneka o ka nui o ke kālā i ʻaiʻē ʻia i helu ʻia i kēlā me kēia mahina. Lawe ka mea hāʻawi i ka nui o ka hōʻaiʻē i waiho ʻia ma ka hopena o kēlā me kēia mahina a hoʻonui i ka uku panee i ʻaelike ʻia, a laila puʻunaue i kēlā huina me 12 e loaʻa ai ka uku o kēlā me kēia mahina. Pehea ʻoe e ʻike ai i ka moraki āu e kūpono ai? ʻO ke ala maʻalahi e hoʻoholo ai i kēia, ʻo ia ke hoʻopili ʻana i kahi ʻelele a loaʻa i ka ʻae mua ʻia no kahi moraki. E hoʻohana lākou i nā ana e like me kāu lākiō aie-i-loaʻa, helu ʻaiʻē, a me ka uku hoʻohaʻahaʻa e hoʻoholo pololei i ka nui o ka moraki āu e ʻae ai. Eia nō naʻe, nui nā helu helu ma ka pūnaewele hiki iā ʻoe ke hoʻohana ma mua, me kekahi mai Realtor.com.
He aha ka uku panee maikaʻi no ka moraki? Hoʻololi ka uku panee i ka manawa, akā aia i kēia manawa i nā haʻahaʻa haʻahaʻa. E hilinaʻi ʻia ka uku pānaʻi āu e loaʻa ai ma nā ʻano like ʻole, me kāu helu ʻaiʻē, akā loaʻa nā moraki 30 mau makahiki me ka uku pānaʻi ma kahi o 3% a ke manaʻo ʻia nei e noho ma ia ala a hiki i 2021, e like me Bankrate.com.
moraki Kelemania
ʻO Janet Wickell kahi loea moraki a me ka hoʻolimalima hale nāna i kākau i nā kumuhana e pili ana i nā waiwai waiwai a me nā kālā home. ʻO ia ka mea nona ka hui waiwai ma North Carolina a me ka mea kākau o "The Everything Real Estate Investing Book."
ʻO Somer G. Anderson he Luna Helu Pūʻali i hōʻoia ʻia, Ph.D. Helu, a he Polopeka o ka Helu a me Waiwai, nāna i hana ma ka ʻoihana helu a me ke kālā no nā makahiki he 20. ʻO kāna ʻike e pili ana i kahi ākea o ka helu helu, kālā kālā, ʻauhau, hōʻaiʻē, a me nā wahi kālā pilikino.
ʻO Lakshna Mehta ka mea kākau, hoʻoponopono a me ka mea nānā ʻoiaʻiʻo. Ua loaʻa iā ia ke kēkelē laepua ma ka nūpepa, ke kēkelē laepua ma ka nūpepa, a me ke kēkelē laepua ma nā haʻawina honua mai ke Kulanui o Missouri. Ua loaʻa iā ia ka manawa e kākau a hoʻoponopono no nā nūpepa, nā nūpepa, a me nā puke pūnaewele ma nā kumuhana like ʻole. Ma ke ʻano he loiloi ʻoiaʻiʻo no The Balance, hōʻoia ʻo ia i nā ʻike āpau me nā kumu hilinaʻi a hoʻonui i ka ʻikepili e like me ka mea e pono ai.
hōʻoia hōʻaiʻē
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.
