moraki hoohuli
ʻO ke kūpono no ka moraki hoʻohuli me Equitable Bank e pili nui ana i ke ʻano o ka waiwai, wahi, a me ka makahiki o ka mea ʻaiʻē. Hāʻawi mākou i ka poʻe hōʻaiʻē i ka makahiki 55 a ʻoi aʻe e noho ana ma nā kikowaena kūlanakauhale ma Alberta, British Columbia, Ontario a me Quebec.
ʻO ka nui o ka Equitable Bank e hāʻawi ai ma muli o nā kumu ʻelua. ʻO kekahi, ka makahiki o ka mea hōʻaiʻē. A ʻo ka lua, ʻo ka waiwai i manaʻo ʻia o ka home. Hiki i nā mea hōʻaiʻē ke komo i ka 55% o ka waiwai o ko lākou home. E kōkua kā mākou helu helu ʻae iā ʻoe e helu i ka nui āu e ʻae ai.
Hiki iā ʻoe ke lawe i ka loaʻa kālā o ka moraki mua ma ke ʻano he hoʻokahi manawa mua (he uku hoʻohaʻahaʻa). Hiki iā ʻoe ke loaʻa i kahi kālā nui ma mua (ka liʻiliʻi o $25.000) a me ke koena o nā kālā ma ke ʻano o ka hoʻonui ʻana i hoʻokahi manawa a/a i ʻole nā hoʻonui i hoʻonohonoho ʻia i nā makahiki he nui.
I ka manawa o ka noi a i ʻole i ke ola o ka moraki hoʻohuli, pono paha mākou i kahi ʻauʻa e uhi i ka hoʻoponopono ʻana i ka home inā pili nā hemahema i ka noho ʻana a i ʻole hiki ke hoʻopilikia i ka waiwai o ka home e hiki mai ana. Hiki iā mākou ke koi i kahi kāohi inā loaʻa nā ʻauhau a i ʻole ka condo.
Pehea e loaʻa ai kahi moraki me ke komo ʻole ma Kanada
Ma kēia ʻatikala, e nānā mākou i kekahi o nā koho āu e makemake ai e kūʻai i hale me ka uku ʻole. E hōʻike pū mākou iā ʻoe i kekahi mau mea ʻē aʻe i nā hōʻaiʻē haʻahaʻa haʻahaʻa, a me nā 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 ka uku hoʻohaʻahaʻa he mea paʻakikī nui ia no nā mea kūʻai hale he nui, no ka mea hiki ke lawe i nā makahiki e mālama ai 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.
kālā kālā ʻAmelika hou
ʻO ka helu ʻaiʻē a ka mea noi moraki, ka huina kaulike a me ka uku hoʻohaʻahaʻa, ʻo ia hoʻi nā kumu nui e noʻonoʻo ai ka poʻe hāʻawi kālā, akā "pono nā mea hōʻaiʻē i kekahi ʻano o ka loaʻa kālā e loaʻa i ke kaʻina hana underwriting," wahi a Guy Cecala. , Luna Nui a me ka mea hoʻopuka o Inside Mortgage Finance . "ʻAʻole hiki iā ʻoe ke ʻōlelo wale, 'ʻAʻohe aʻu kumu kālā a makemake wau e kūʻai i hale,' no ka mea ʻaʻohe mea hāʻawi e hāʻawi iā ʻoe i kahi hōʻaiʻē."
ʻO kahi ala e kūpono ai i ka moraki me ka ʻole o ka hana, ʻo ia ka loaʻa ʻana o kahi mea hoʻopaʻa inoa pūlima, e like me ka makua a i ʻole ka hoa kāne, ka mea i hoʻolimalima a i ʻole he waiwai nui. Hoʻopaʻa kino ka mea hoʻopaʻa inoa i kāu moraki e hoʻohui i ka palekana o kāu loaʻa kālā a me ka mōʻaukala aie i ka hōʻaiʻē. ʻO ka maʻamau, inā ʻaʻole hiki iā ʻoe ke uku i kāu moraki, e mālama kāu co-signer iā lākou.
Inā loaʻa iā ʻoe kahi huina kālā nui i kēlā me kēia mahina mai nā puʻu kālā, loaʻa kālā, a i ʻole nā mea hoʻopukapuka ʻē aʻe, hiki ke ʻae ʻia ʻoe no kahi moraki. Hoʻokahi hōʻaiʻē: ʻO nā hōʻaiʻē i ʻae ʻia e pili ana i ka loaʻa kālā hoʻopukapuka ʻoi aku ka nui o ka uku ukupanee, wahi a Todd Sheinin, he luna hōʻaiʻē ma Homespire Mortgage ma Gaithersburg, Maryland.
ʻO ka mea kūʻai hale mua me ka uku ʻole
Ma kēia ʻatikala, e nānā mākou i kekahi o nā koho āu e makemake ai e kūʻai i hale me ka uku ʻole. 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 ka uku hoʻohaʻahaʻa he mea paʻakikī nui ia no nā mea kūʻai hale he nui, no ka mea hiki ke lawe i nā makahiki e mālama ai 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.
