100% LTV moraki
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 kākoʻo aupuni ma ka ʻāina.
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.
100 moraki kālā kokoke iaʻu
ʻO ia wale ke ala e noi ai i kahi hōʻaiʻē ma waena o 100% a me 110% o ke kumukūʻai kūʻai o kahi waiwai. ʻO ka mea nui, ʻo 80% o ka nui o ka hōʻaiʻē e hōʻoia ʻia e ka waiwai āu e kūʻai ai a ʻo ke koena 20% e ka waiwai o kou mau mākua.
Ua kaulana loa nā hōʻaiʻē palekana i nā makahiki i hala iho nei. No ka mea ʻoi aku ka liʻiliʻi ma mua o nā hōʻaiʻē home maʻamau, ʻae lākou iā ʻoe e kūʻai me ka ʻole o ka waiho ʻana, a ʻae kekahi mau mea hāʻawi iā ʻoe e kaupalena i ka nui o ka collateral.
I ka nui o nā hōʻaiʻē i hoʻopaʻa ʻia, noi mākou i ka mea hāʻawi aku e kaupalena i ke koʻi i hoʻopaʻa ʻia ma ka waiwai o ka mea hoʻohiki. 'O ia ho'i, 'a'ole 'oe ke kuleana no ka huina holo'oko'a o ka hō'ai'ē, akā no ka hapa wale nō. Ua helu ʻia ka nui o ka palapala hōʻoia e like me kēia
Palekana palekana: Me kēia ʻano hōʻoia, hoʻohana ka mea hoʻopaʻa i kāu waiwai paʻa i mea hōʻaiʻē hou no kāu hōʻaiʻē. Inā loaʻa ka hōʻaiʻē o ka mea hōʻoia i kāu waiwai, a laila ma ka hapa nui o nā hihia hiki i ka panakō ke lawe i kahi moraki lua ma ke ʻano he mea hōʻaiʻē.
Palekana a me ka loaʻa kālā: ʻO ka mea hōʻoia palekana a me ka loaʻa kālā maʻamau he makua e kōkua ana i kāna keiki kāne a kaikamahine paha, he haumāna a haʻahaʻa paha, e kūʻai i kā lākou waiwai mua. E hoʻohana ka mea hāʻawi i ka waiwai o nā mākua i mea hōʻaiʻē hou a hilinaʻi i ka loaʻa kālā o nā mākua e hōʻike i ka hiki ke uku.
ʻO ka hōʻaiʻē kūkulu me 100% kālā
Hiki iā ʻoe ke ʻike i nā ʻatikala he nui ke ʻimi ʻoe i ka huaʻōlelo 100% Home Equity Loan (HEL). Akā, ke kaomi ʻo ia, ʻike ʻo ia e ʻōlelo wale lākou ʻaʻole hiki ke hoʻokō. Hōʻike kēia ʻatikala aia nā ala e loaʻa ai ke kālā āu e pono ai a me kahi e nānā ai.
Kū ʻo LTV no ka ratio loan-to-value. ʻO ia ka pākēneka o ka waiwai kūʻai o kēia manawa o ka waiwai āu e makemake ai e kālā. No laila, he 100% loan-to-value loan kahi e hiki ai iā ʻoe ke hōʻaiʻē i ka huina o 100% o ka waiwai o kāu waiwai.
Inā loaʻa iā ʻoe kahi moraki ma kou home a makemake ʻoe e lawe i kahi hōʻaiʻē hou, hiki iā ʻoe ke lawe i kahi hōʻaiʻē home equity. Ua kapa ʻia ʻo ia he "moraki lua" no ka mea aia nō kāu moraki mua.
E ʻoluʻolu e hoʻomaopopo he kuhi koʻikoʻi kēia. Aneane e koi ana kāu mea hāʻawi aku i ka loiloi no ka loaʻa ʻana o ka waiwai o kāu waiwai. Eia kekahi, e hoʻomaopopo ʻaʻole e hōʻaiʻē ka hapa nui o nā mea hāʻawi kālā ma mua o 80 a 90 pakeneka o ka waiwai o kāu waiwai.
Manaʻo paha ʻoe he ʻano like kou manawa e loaʻa ai kahi hōʻaiʻē home equity 100 LTV me ka ʻike ʻana i kahi unicorn a i ʻole kahi pūʻali puaʻa lele. Akā ʻoi aku ka maikaʻi ma mua o kēlā. ʻAʻole nui, akā liʻiliʻi.
100% kālā moraki ma ka hui ʻaiʻē
Ma kēia ʻatikala, e nānā mākou i kekahi o nā koho i loaʻa iā ʻoe ke makemake ʻoe e kūʻai i hale me ka ʻole o ka uku. 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.
