Hoʻomaopopo i nā hōʻaiʻē moraki
Nui a i ʻole nā haʻawina āpau ma kēia pūnaewele mai nā hui i loaʻa ai i nā Insiders ka uku (no ka papa inoa piha, ʻike maanei). Hiki i nā manaʻo hoʻolaha ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kēia pūnaewele (me ka laʻana, ke ʻano o ka ʻike ʻia ʻana), akā ʻaʻole pili i nā hoʻoholo hoʻoponopono, e like me nā huahana a mākou e kākau ai a pehea mākou e loiloi ai. Ke noiʻi nei ʻo Personal Finance Insider i kahi ākea ākea i ka wā e hana ai i nā ʻōlelo paipai; akā naʻe, ʻaʻole mākou e hōʻoiaʻiʻo e hōʻike ana ia ʻike i nā huahana āpau a i ʻole nā haʻawi i loaʻa ma ka mākeke.
Kākau ʻo Personal Finance Insider e pili ana i nā huahana, nā hoʻolālā, a me nā ʻōlelo aʻoaʻo e kōkua iā ʻoe e hana i nā hoʻoholo akamai me kāu kālā. Hiki iā mākou ke loaʻa i kahi komisina liʻiliʻi mai kā mākou mau hoa, e like me American Express, akā kūʻokoʻa mau kā mākou hōʻike a me kā mākou ʻōlelo paipai. Pili nā huaʻōlelo i nā hāʻawi i hōʻike ʻia ma kēia ʻaoʻao. E heluhelu i kā mākou alakaʻi hoʻoponopono.
ʻO ka hapa nui o ka manawa, ʻo ka mea nona ka hale i lawe i kahi hōʻaiʻē e kūʻai i hale e hana ana i ka uku baluna i kēlā me kēia mahina i kā lākou moraki. Akā ʻoiai ua kapa ʻia ʻo ia he uku moraki i kēlā me kēia mahina, ʻoi aku ia ma mua o ke kumukūʻai o ka uku ʻana i ka hōʻaiʻē a me ka ukupanee. No ka nui o nā miliona o nā mea hale ʻAmelika i loaʻa kahi moraki, ʻo ka uku o kēlā me kēia mahina e pili pū ana i ka ʻinikua moraki pilikino, ka ʻinikua o ka mea hale, a me nā ʻauhau waiwai. Ma kekahi hihia, eia kāu mea e pono ai: E aʻo hou a loaʻa nā makana mai nā mea hāʻawi kālā he nui «1. E hoʻoholo i ke kumu o kāu moraki Ua kapa ʻia ka huina mua o ka hōʻaiʻē ʻo ke poʻo o ka moraki.
moraki norsk
Noho ka mea nona ka hale ma laila no 10 mau makahiki, e like me ka 2019 Profile of Home Buyers and Sellers mai ka National Association of Realtors. ʻO ke ʻano kēia, ʻaʻole i ka helu ʻana i nā kālā hou, ʻike ʻia ka mea nona ka hale maʻamau i ka jargon moraki i hoʻokahi manawa i kēlā me kēia ʻumi.
ʻAʻole lawa kēlā e aʻo i ka ʻōlelo o ke kālā home. Akā, he manaʻo maikaʻi e aʻo e like me kāu e hiki ai e pili ana i nā moraki. Ma ia ala, ke nīnau mai nā luna hōʻaiʻē iā ʻoe, "Makemake ʻoe e hoʻokomo i kēlā i loko o ka escrow?" E loaʻa iā ʻoe kahi manaʻo i kā lākou e kamaʻilio nei.
Ka helu pākēneka makahiki. Ua kapa ʻia hoʻi ʻo APR, ana ia i ke kumukūʻai makahiki o kahi hōʻaiʻē no ka mea ʻaiʻē a ʻo ia ke ala maikaʻi loa e hoʻohālikelike ai i nā kumukūʻai ma waena o nā mea hāʻawi. Hoʻokomo pū ʻia ka ʻinikua moraki, nā helu hoʻemi, nā uku kumu hōʻaiʻē a me nā koina ʻē aʻe.
Kūʻē. Hoʻohui ʻia ka paukū i kahi ʻaelike kūʻai e pono e hoʻokō ʻia no ka hana ʻana. ʻO nā pilikia maʻamau e pili ana i ka nānā ʻana i ka home a me kahi moraki, kahi e ʻae ai ke kūʻai aku i ka mea ʻaiʻē e ʻae ʻia kā lākou hōʻaiʻē.
Pehea ka hana o na moraki
ʻElua māhele o ka uku moraki: ke kumu a me ka ukupanee. ʻO ke kumupaʻa e pili ana i ka nui o ka hōʻaiʻē. ʻO ka ukupanee he huina hou (helu ʻia ma ke ʻano he pākēneka o ke poʻo kumu) e koi ana nā mea hāʻawi iā ʻoe no ka pono o ka hōʻaiʻē kālā hiki iā ʻoe ke uku i ka manawa. I ka wā o ka moraki, uku ʻoe i nā haʻawina o kēlā me kēia mahina e pili ana i kahi papa hana amortization i hoʻokumu ʻia e kāu mea hāʻawi.
ʻAʻole like nā huahana moraki a pau. Loaʻa i kekahi mau alakaʻi koʻikoʻi ma mua o nā mea ʻē aʻe. Hiki i kekahi poʻe hāʻawi kālā ke koi i 20% o ka uku, a ʻo nā mea ʻē aʻe e koi i ka liʻiliʻi he 3% o ke kumukūʻai kūʻai o ka home. I mea e pono ai no kekahi mau ʻano hōʻaiʻē, pono ʻoe i ka hōʻaiʻē impeccable. ʻO nā poʻe ʻē aʻe e pili ana i nā mea hōʻaiʻē me ka hōʻaiʻē maikaʻi ʻole.
ʻAʻole hāʻawi ke aupuni US, akā e hōʻoiaʻiʻo ia i kekahi mau ʻano hōʻaiʻē e kū ana i nā koi koʻikoʻi o ka loaʻa kālā, nā palena hōʻaiʻē, a me nā wahi ʻāina. Aia ma lalo kahi hōʻuluʻulu o nā hōʻaiʻē moraki like ʻole.
ʻO kahi hōʻaiʻē maʻamau he hōʻaiʻē ʻaʻole i kākoʻo ʻia e ke aupuni federal. ʻO ka poʻe ʻaiʻē me ka hōʻaiʻē maikaʻi, kahi hana paʻa a me ka mōʻaukala loaʻa kālā, a me ka hiki ke waiho i kahi 3% o ka uku hoʻohaʻahaʻa, hiki ke kūpono i kahi hōʻaiʻē maʻamau i kākoʻo ʻia e Fannie Mae a i ʻole Freddie Mac, ʻelua mau hui kākoʻo aupuni e kūʻai a kūʻai aku i ka hapa nui o nā moraki maʻamau. ma ʻAmelika Hui Pū ʻIa.
E hoʻomaopopo i nā kūlana moraki
Inā ʻoe e noʻonoʻo e pili ana i ka home a me ka noʻonoʻo pehea e hoʻomaka ai, ua hele mai ʻoe i kahi kūpono. Ma ʻaneʻi e uhi mākou i nā kumu kumu o nā moraki, me nā ʻano hōʻaiʻē, nā huaʻōlelo moraki, ke kaʻina hana kūʻai hale, a me nā mea hou aku.
Aia kekahi mau hihia e kūpono ai ka loaʻa ʻana o kahi moraki ma kou home inā he kālā kāu e uku ai. No ka laʻana, ua moraki ʻia nā waiwai i kekahi manawa e hoʻokuʻu kālā no nā hoʻopukapuka ʻē aʻe.
ʻO nā moraki nā hōʻaiʻē "hoʻopaʻa ʻia". Me kahi hōʻaiʻē i hoʻopaʻa ʻia, hoʻohiki ka mea hōʻaiʻē i ka mea hōʻaiʻē inā ʻaʻole lākou e uku. I ka hihia o ka moraki, ʻo ka mea hōʻoia ka hale. Inā ʻae ʻoe i kāu moraki, hiki i ka mea hāʻawi kālā ke lawe i kou home, ma kahi hana i kapa ʻia ʻo foreclosure.
Ke loaʻa iā ʻoe kahi moraki, hāʻawi kāu mea hāʻawi iā ʻoe i kahi kālā e kūʻai ai i ka hale. Ua ʻae ʻoe e uku i ka hōʻaiʻē - me ka ukupanee - i nā makahiki he nui. Hoʻomau nā kuleana o ka mea hāʻawi i ka home a hiki i ka uku piha ʻana o ka moraki. Loaʻa nā hōʻaiʻē piha piha i ka papa manawa uku, no laila e uku ʻia ka hōʻaiʻē ma ka hopena o kona kau.
