Ua ʻoi aku ka paʻakikī o ka loaʻa ʻana o kahi hōʻaiʻē i kēia manawa?
ʻO ka mea maikaʻi loa e hiki iā ʻoe ke hana e hoʻonui i kou manawa e loaʻa ai kahi moraki e hoʻohana i kahi kākāʻōlelo moraki. ʻO ka noi ʻana i kahi moraki he kaʻina hana paʻakikī a huikau, akā kōkua nā mea hoʻolimalima moraki e hōʻoia ʻoe e hana pololei.
E hoʻomanaʻo e pili ana nā waiwai pipiʻi loa i ka ʻauhau ma nā palapala kānāwai i kākau ʻia. No laila, ke noʻonoʻo ʻoe i kāu mea hiki ke loaʻa, pono ʻoe e hoʻomanaʻo i kēlā. E noʻonoʻo i ka hoʻohana ʻana i ka helu helu dute stamp online no ka hoʻohālikelike ʻana i ke kumukūʻai ʻē aʻe e hiki mai ana.
E ho'āʻo e pani i nā moʻokāki panakō kahiko a i ʻole. Eia kekahi, e hōʻoia ʻoe e uku i nā bila a pau i ka manawa. ʻIke ʻia paha kēia, akā ʻaʻole i nānā ʻia e ka poʻe he nui ma kēia ʻano. ʻO ke ala i ʻōlelo ʻia e hōʻoiaʻiʻo ʻaʻole ʻoe e poina, ʻo ia ka hōʻaiʻē pololei.
Inā hiki iā ʻoe ke pale i ka noi ʻana no kekahi ʻano hōʻaiʻē, e hana pēlā. Manaʻo ʻia ʻaʻole e noi no nā kāleka hōʻaiʻē, a me nā mea ʻē aʻe, ma mua, ma waena o 3 a me 6 mau mahina ka liʻiliʻi. ʻOiai inā ʻaʻole ʻoe e noi no ke kāleka hōʻaiʻē, hōʻaiʻē, overdraft, a i ʻole aelike kelepona, e hōʻike ʻia ka ʻoiaʻiʻo āu i noi ai ma ka hōʻike. Hiki i kēia ke hoʻopilikia i kāu noi.
Pehea e loaʻa ai kahi moraki ma ke ʻano he mea kūʻai mua
MortgagesPehea e loiloi ʻia ai nā noi moraki?…Loaʻa nā ʻōlelo Rob FlynnStaff Writer ʻO ke kūʻai ʻana i home paha ka mea kūʻai nui loa a mākou e hana ai i ko mākou ola ʻana, no laila ke kumu he nui nā kikoʻī e pili ana i ka loiloi ʻana i kahi noi moraki. Ma mua o kou noi ʻana i ka moraki, e hāʻawi iā ʻoe iho i ka manawa maikaʻi loa e ʻae ʻia, he mea nui (ʻaʻole e haʻi i ke kōkua) e ʻike i nā mea a pau e pili ana i ka loiloi moraki a me ka mea e nānā ai ka mea hāʻawi.
ʻO ka mea maopopo loa, e nānā ka poʻe hāʻawi kālā i kāu loaʻa makahiki i ka wā e noi ai i kahi moraki, a hiki i kekahi ke helu i nā bonus a i ʻole ka wā ʻoi aku. Hiki i kekahi poʻe hāʻawi kālā ke helu i ka loaʻa kālā inā hoʻolālā ʻoe e hoʻolimalima i nā lumi kaʻawale, no laila he mea kēia e noʻonoʻo a kūkākūkā.
Ma waho aʻe o ka loaʻa kālā, makemake ka mea hāʻawi e ʻike i kahi mōʻaukala maʻemaʻe a paʻa o ka mālama kālā. Hōʻike kēia i ka mea hāʻawi kālā hiki iā ʻoe ke mālama, kuleana ʻoe i kāu kālā, a ua hōʻiliʻili ʻoe i nā waihona kālā e uhi ai i ka waihona a me nā lilo ʻē aʻe e pili ana i ke kūʻai ʻana i home.
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Ke kūʻai ʻana i hale, ʻo ka pilikia mua e lanakila ai ʻo ia ka hōʻoiaʻiʻo ʻana i kahi mea hoʻolimalima moraki e kau i ke kālā e pono ai. ʻOiai he mea maʻalahi ke kaʻina hana ʻae ʻia home, ʻo ka ʻoiaʻiʻo he nui nā pilikia moraki e hiki ke pale iā ʻoe mai ka loaʻa ʻana o ke kālā āu e pono ai.
ʻOiaʻiʻo, e like me Bankrate, ua hōʻole ʻia ka 30% o nā noi moraki. Eia naʻe, ʻo ka mea i ʻōlelo mua ʻia he mea kaua, no laila ke manaʻolana nei mākou e ʻae kēia mau ʻōlelo aʻoaʻo iā ʻoe e hui pū me ka hauʻoli 70% e heʻenalu me ka pilikia ʻole.
ʻO FICO, ʻo ia ka acronym makaʻu pinepine akā ʻike ʻole ʻia, kū maoli ʻo ia no Fair Isaac Corporation, ʻo ia kekahi o nā hui e hāʻawi i nā lako polokalamu no ka helu ʻana i kāu helu ʻaiʻē. Hōʻike ʻia kēia mau helu e nā ʻoihana ʻaiʻē ʻekolu: Equifax, TransUnion, a me Experian.
E helu ana nā mea hōʻaiʻē moraki i nā huahelu e loaʻa ai kahi pae hoʻohālikelike a lākou e makemake ai e hoʻomaka e kamaʻilio me ka pipi. ʻOiai, i ka wā ma mua, hiki i ka poʻe hōʻaiʻē me nā helu hōʻaiʻē maikaʻi ʻole (maʻamau <640) hiki ke loaʻa i nā hōʻaiʻē moraki, ʻo ia ka fiasco i hoʻokumu ai i ka huaʻōlelo "subprime mortgage crisis" (subprime pili i ka helu ʻaiʻē a ka mea hōʻaiʻē). I kēia lā, pono ʻoe i ka helu awelika ma kahi o 680, a ʻo 700+ ka mea maikaʻi loa. Eia kekahi mau ʻōlelo aʻoaʻo e hoʻonui i kāu helu ʻaiʻē.
Pehea e loaʻa ai kahi hōʻaiʻē moraki
Inā makemake ʻoe e kūʻai i hale ma kēia mākeke waiwai wela, e ʻike ʻoe i kēia mau lā he paʻakikī ka loaʻa ʻana o kahi moraki. Paʻa loa ka mākeke hōʻaiʻē a ʻo nā mea hōʻaiʻē wale nō me ka ʻaiʻē maikaʻi loa ke loaʻa nā uku maikaʻi loa.
Ua haʻi aku au iā ʻoe i kaʻu huakaʻi hope loa a ʻehaʻeha e hiki ai i kahi moraki. ʻAʻole i pau, no ka mea, makemake ka mea hoʻolale i kope i kākau inoa ʻia e kaʻu CPA ma kāna poʻo leka o kaʻu ʻoihana.
Ua haʻi mai kaʻu mea helu kālā ua uku ʻo ia i $3.800 no ka loiloi piha, no laila ua ʻōlelo wau iā ia e lele i loko o ka loko. Akā, ua hoʻouna au i kaʻu ʻoihana kālā me kaʻu pūlima a haʻi i kaʻu panakō e lawe a haʻalele paha. Manaʻo wau e ʻae lākou no ka mea ua hālāwai wau i kēlā me kēia helu ma kā lākou papa helu helu 21. E ʻike kākou.
Inā huhū maʻalahi ʻoe, manaʻo wau e hoʻokuʻu i kēia pou. Akā inā hiki iā ʻoe ke mālama i ka ʻoiaʻiʻo, a inā makemake ʻoe e loaʻa kahi hiʻohiʻona liʻiliʻi mai ka mea nāna e hoʻomalu i nā miliona miliona i nā hōʻaiʻē e hoʻokō i ka makemake o nā mea kūʻai hale, a laila e heluhelu.
Mai ka makahiki 2009, ua hoʻokumu ke aupuni i kahi hoʻoponopono nui no nā panakō i ʻole e hana hou i ka pilikia hale. No ka laʻana, ua hoʻokomo koke ʻia ke poʻo leka CPA a me ke koi ʻana i ka pūlima ma Pepeluali 2014, a ke kumu nei ia i kahi poʻo nui no nā tona o nā ʻoihana liʻiliʻi ma ʻAmelika. Ke kau nei nā CPA i nā uku usurious no ka loiloi no ka mea hiki iā lākou. I kēia manawa, hoʻouna ke aupuni iā mākou i kahi helu 7-10 ʻaoʻao hou i kēlā me kēia manawa a mākou e hoʻololi ai i kahi helu hoʻokahi.
