moraki calculator formula
No ka hapa nui o ka poʻe, e uku ʻia kā lākou moraki i ka lā mua o ka mahina, i kēlā me kēia mahina. Akā, pehea ka uku mua? E heluhelu e aʻo i kāu mea e manaʻo ai mai kēlā uku mua, a me ka manawa e hui ai ka lā pani me ka uku mua.
ʻO ka uku moraki mua ka mea maʻamau ka mua o ka mahina, he mahina piha (30 lā) ma hope o ka lā pani. Uku ʻia nā uku moraki ma ka mea i ʻike ʻia ʻo ka hoʻokaʻawale ʻana, ʻo ia hoʻi, e hana ʻoe i nā uku o ka mahina i hala ma mua o ka mahina o kēia manawa.
Hiki i ka manawa o ka mahina āu e pani ai ke hoʻololi i ka manawa ma waena o ka pani ʻana a me ka uku mua. ʻAʻole ʻoe e lele i kahi uku no ka pani ʻana ma mua. E hoʻomau ka mea hāʻawi i ka hōʻiliʻili i ke kālā ukupanee, e komo pū me ia i nā koina pani. Aia kekahi mau hihia kahi hiki iā ʻoe ke uku mua i ka ukupanee a hana i ka uku mua i ka mahina ʻelua ma hope o ka pani ʻana. Pono e hana mau ka uku mua i loko o 60 mau lā o ka pani ʻana. ʻO ke ʻano kēia e makemake ʻoe e helu i nā mahina he 31 mau lā i loko o lākou.
Ke ano o ka moraki
E holo wikiwiki a hiki i kahi āu e hoʻoholo ai e kūʻai i hale. I ka pau ʻana, e hoʻokomo ʻia ka palapala hōʻaiʻē i ka nui o ka uku e pili ana i ka uku panee, ka nui o ka hōʻaiʻē, a me ka manawa uku. E komo pū kāu pepa pani i kahi leka uku e haʻi iā ʻoe i ka mea, he aha, a ma hea kāu uku moraki mua.
ʻO Principal ka nui o kāu uku e hele ai i ka uku ʻana i kāu huina hōʻaiʻē. I ka hoʻomaka ʻana o ka hoʻonohonoho ʻana o ka hōʻaiʻē, ʻuʻuku ka hapa nui o kāu uku, akā e hoʻemi mālie ʻoe i ka nui o ka hōʻaiʻē i kēlā me kēia mahina.
Loaʻa i kāu mea hāʻawi aku ka uku no ka hāʻawi ʻana iā ʻoe i ka hōʻaiʻē, a ʻo ke ala e loaʻa ai iā lākou ma o ka ukupanee. Hoʻoholo ka uku panee i ka nui o ka ukupanee āu e uku ai i ka mea hāʻawi. Hoʻolaha ʻia kēlā mau ukupanee i ka helu o nā mahina āu e uku ai i ka hōʻaiʻē. Loaʻa i kēlā me kēia uku moraki kahi ʻāpana e pili ana i ka ukupanee.
Ma kāu uku ʻelua, e hoʻomau ʻoe e uku i $599,55 o ke kumupaʻa a me ka ukupanee; akā naʻe, ua hoʻokumu ʻia kāu hāʻawi ʻana i ka nui o ka hōʻaiʻē o $99.900,45 a ʻaʻole i ka $100.000. ʻO ia hoʻi, ʻoi aku ka nui o ka uku o kēlā me kēia mahina i ke kumupaʻa a emi i ka ukupanee, e like me ka ʻike ʻia ma ka pakuhi ma lalo nei.
pākuʻi
ʻO Elizabeth Weintraub he loea i ʻike ʻia i ka ʻāina i ka waiwai waiwai, ka inoa, a me ka escrow. He mea kūʻai waiwai ʻo ia a me ka mea kūʻai aku me nā makahiki he 40 o ke poʻo inoa a me ka ʻike escrow. Ua hōʻike ʻia kona ʻike ma ka New York Times, Washington Post, CBS Evening News, a me HGTV's House Hunters.
Lea Uradu, JD he puka puka no ke Kulanui o Maryland School of Law, Registered Tax Preparer in the State of Maryland, State Certified Notary Public, Certified VITA Tax Preparer, Komo i ka Annual Filing Season Program o ka IRS, ka mea kākau ʻauhau a me ka mea hoʻokumu. o na Oihana Hooholo Auhau. Ua hana pū ʻo Lea me nā haneli o ka poʻe malihini a me nā mea kūʻai ʻauhau federal.
He mea hoʻoponopono ʻo Katie Turner, mea nānā ʻoiaʻiʻo, a me ka hōʻoia ʻana. Ua loaʻa iā Katie ka ʻike ma McKinsey e hōʻoia ana i nā ʻike e pili ana i ka ʻoihana, kālā, a me nā ʻano waiwai. Ma Dotdash, ua hoʻomaka ʻo ia ma ke ʻano he mea hōʻoia ʻoiaʻiʻo no Investopedia, ma hope e hui pū me Investopedia a me The Balance ma ke ʻano he mea nānā ʻoiaʻiʻo, e hōʻoia ana i ka pololei o ka ʻike e pili ana i nā kumuhana kālā.
nā koho hōʻaiʻē
ʻAʻole like me ka maʻalahi o nā uku hoʻolimalima, ua hana ʻia nā uku moraki i nā ʻāpana he nui. He mea koʻikoʻi ka hoʻomaopopo ʻana i ke ʻano o ka moraki i ka hoʻoholo ʻana i ka lōʻihi o ka uku ʻana i kāu hōʻaiʻē moraki a me ke kumukūʻai o ka manawa. Eia kekahi, ʻo ka ʻike i ka wā a pehea e uku ai e kōkua iā ʻoe e noho i kāu moraki i kēlā me kēia mahina.
ʻO ka uku moraki ke ala e uku ai i ka hōʻaiʻē moraki. ʻO kēia ka uku o kēlā me kēia mahina e kōkua iā ʻoe e uku i kāu moraki i hoʻokahi ʻanuʻu i ka manawa. E hoʻokomo pū ʻia ka ukupanee no kāu mea hāʻawi, uku ʻinikua, a me nā ʻauhau. ʻO ka hiki ke hana i nā uku hoʻokaʻawale ʻo ia ka mea e hiki ai i ka hapa nui o nā poʻe ke kūʻai aku i hale e kūʻai ai i nā haneli haneli mau kālā. ʻO ke ʻano o ka hoʻonohonoho ʻia ʻana o kēia mau uku i ke ola o ka hōʻaiʻē, ʻike ʻia ʻo ia ka moraki amortization.
ʻO PITI kahi acronym no nā mea nui ʻehā o ka uku moraki: ke kumu, ka ukupanee, ka ʻauhau, a me ka ʻinikua. Hoʻopili lākou i ka mea āu e uku ai no kāu moraki i kēlā me kēia mahina. ʻO ka hoʻomaopopo ʻana i kāu PITI hiki ke kōkua iā ʻoe a me ka mea hāʻawi kālā e hoʻoholo i ka mea hiki ke loaʻa iā ʻoe ke ʻimi i kahi home.
