moraki とは
Inā kūʻai ʻoe i kahi waiwai, ʻo ka nui o kāu moraki ke kumu kūʻai maʻamau me ka hoʻemi ʻana i ka uku. Inā ʻoe e hoʻohou i kahi moraki e kū nei, ʻo ia ke kapikala ʻaiʻē ma hope o ke kau hope o ka moraki.
ʻO ka manawa amortization ka manawa e uku ai i ka moraki holoʻokoʻa, me ka ukupanee. ʻO ka manawa amortization hiki ke piʻi i 25 mau makahiki inā hoʻopaʻa ʻia ka moraki me ka paʻa ʻole, a hiki i 30 mau makahiki inā ʻaʻole. No ka moraki hou, he 25 makahiki ka manawa amortization.
Hiki iā ʻoe ke uku mua i kāu moraki ma mua o ka pau ʻana o ke kau. ʻO ka hapa nui o nā moraki i pani ʻia e ʻae iā ʻoe e hana i nā uku mua makahiki o 10% a i 20% me ka uku ʻole. Hiki ke uku ʻia ka hapa nui o nā moraki wehe me ka uku ʻole o ka uku mua. E nānā i nā kikoʻī ma kāu palapala moraki.
Inā loaʻa ke kino kīnā, maʻi koʻikoʻi, nele i ka hana, a i ʻole make, hiki i ka ʻinikua ʻaiʻē ke kōkua iā ʻoe e uku i kāu aie a i ʻole e hōʻemi i kāu koena, a i ʻole e uhi i kekahi mau uku. He mea koho ka 'inikua aie ma na moraki.
Mālama ka ʻinikua moraki i kāu mea hāʻawi inā ʻaʻole hiki iā ʻoe ke uku i kāu hōʻaiʻē moraki. Pono ʻoe i kēia ʻinikua inā loaʻa iā ʻoe kahi moraki kiʻekiʻe, a ua hoʻohui pinepine ʻia i ke kumu o kāu moraki. ʻO ka moraki ka mea kiʻekiʻe i ka wā i emi iho ai ka uku ma lalo o 20% o ka waiwai o ka waiwai.
Moraki mahina 意味
ʻO ka uku ʻana i kahi hōʻaiʻē moraki e koi i ka mea ʻaiʻē e uku i kēlā me kēia mahina i ka mea hāʻawi. ʻO ka uku o kēlā me kēia mahina e uhi i kahi hapa o ke kumu o ka hōʻaiʻē, me ka ukupanee o kēlā me kēia mahina ma ke koena koena. Hoʻokaʻawale ʻia nā uku hōʻaiʻē, no laila e mau ka uku o kēlā me kēia mahina i loko o ka manawa amortization, akā e hoʻonui ʻia ka pākēneka o ka uku e hele ana i ke poʻo kumu i ka emi ʻana o ke koena o ka moraki. Hiki i nā uku moraki ke hoʻokomo pū i nā kālā no ka ʻauhau waiwai, ka ʻinikua o ka mea hale, a me nā uku o ka hui o nā mea hale i kēlā me kēia mahina i loko o kahi moʻokāki escrow i mālama ʻia e kāu mea hāʻawi. Ke hiki mai kēlā mau mea, e uku aku kāu mea hāʻawi aku i ka mana ʻauhau, ʻoihana ʻinikua, a i ʻole hui o nā mea hale.
moraki mahina
ʻOi aku ka paʻakikī o ka helu pololei ʻana i kāu uku moraki ma mua o kou manaʻo. ʻO ka hōʻoia ʻana i kāu uku mahina i manaʻo ʻia i loko o kāu kālā he mea koʻikoʻi ia i ka hoʻoholo ʻana he kūpono maoli ka home āu i koho ai.
He manaʻo maikaʻi e holo i kekahi mau koho ma ka helu moraki ma mua o kou hoʻomaka ʻana i kāu huakaʻi kūʻai home. ʻOiai hiki ke paʻakikī ka ʻauhau waiwai a me ka ʻinikua o ka mea hale i ka hana ʻana ma kahi home āu i koho ʻole ai, hiki i kā mākou calculator ke koho iā lākou.
Hiki ke maʻa mau nā uku no ka hui ʻana o nā mea hale (HOA) ma kekahi mau wahi, ʻoi aku ka hana hou a me nā hale like, akā ʻoi aku ka liʻiliʻi ma nā kaiāulu i hoʻokumu ʻia. Hiki i nā uku HOA ma kekahi mau waiwai ke lilo i hapa nui o kāu kālā, no laila e noʻonoʻo i ke ʻano o ka home āu e makemake ai e kūʻai a nānā i kahi e kūʻai aku nei i kēia manawa e ʻike inā hiki iā ʻoe ke loaʻa kahi manaʻo o nā uku HOA. Inā makemake ʻoe i condo hou i loko o kahi kaiāulu me ka nui o nā pono, e manaʻo e uku i ka uku HOA hefty.
moraki 意味
Loaʻa i kāu ʻāpana ponoʻī o Andover. E hoʻohana i ka uku ukupanee haʻahaʻa o kēia lā a mālama i nā makahiki. ʻO nā kumukūʻai moraki o kēia manawa kokoke i nā haʻahaʻa haʻahaʻa. Inā laka ʻoe i kahi moraki paʻa ma mua, ʻaʻole e hoʻopilikia ʻia kāu mau uku e ka piʻi ʻana o ka uku. Ma ka maʻamau, hōʻike mākou i nā uku hoʻolimalima no nā moraki paʻa. Hiki iā ʻoe ke hoʻololi e kūʻai i nā hōʻaiʻē me ka hoʻohana ʻana i ke pihi lekiō [Burchase]. Hōʻike ʻia ʻo Adjustable Rate Mortgage Loans (ARMs) ma ke ʻano he koho ma nā pahu [Loan Type]. Hiki ke koho ʻia nā manawa hōʻaiʻē ʻē aʻe a hiki ke kānana ʻia nā hopena me ka pihi [Filter Results] ma ka ʻaoʻao hema hema. Hiki ke koho ʻia nā lōʻihi he nui i ka manawa like e hoʻohālikelike i nā kumukūʻai o kēia manawa a me nā huina uku o kēlā me kēia mahina.
