Ka Home Equity Lines of Credit
ʻO ka lalani maʻamau maʻamau no nā mea kūʻai kelepona he laina kūpono home (HELOC). Me kēia hōʻai'ē,ʻo kāu home home equity (ʻo ia hoʻi, ka waiwai o kou home e "loaʻa iāʻoe iho")ʻo ia ke kuleana .
Kūlana kaulana kēia mau haʻawina no ka mea eʻae anaʻoe e hōʻai'ē i ka nui o nā kālā ma kahi liʻiliʻi haʻawina hoʻolimalima (e hoʻohālikeʻia i nā kāleka hōʻai'ē a iʻole nā hōʻai'ē hōʻanoʻole ).
No ke aha e emi iho ai ka uku pānaʻi? Kūleʻa nā Banki i kēia mau laikini e palekana no ka mea ua manaʻo lākou e uku anaʻoe i ka lālā o ka hōʻai'ē e pale i ka naloʻana o kou home i ka paʻa . E hoʻoholoʻia kāu palena palena palena , ma ka hapa, ma kāu noi i ka uku waiwai , kāu helu'ai'ē , a me kāu kālā.
Ke Kelepona Hoʻokaʻaʻike a me ka Home Equity Loan:
I kekahi manawa, he mea maikaʻi ke hoʻohālike a hoʻohālikelike i nāʻano likeʻole o nā loina. Aia kekahi HELOC i kahi hoʻoili kālā home , akā he mau mea likeʻole kekahi.
ʻO ka mea maʻamau,ʻo kahi HELOC iʻoi aku ka maʻalahi ma mua o kahi hoʻoili kālā home. Ke noi wale neiʻoe i kāu mea e pono ai, a hiki iāʻoe ke hoʻi i hope no ke kālā hou inā ponoʻoe (inā lōʻihiʻoe e noho ana ma lalo o kāu palena palena kiʻekiʻe , aʻo ka lōʻihiʻole e hoʻoloeʻoleʻia kāu hōʻai'ē ma mua).
Hiki iāʻoe ke hoʻohana i kahi kopebook a iʻole kāleka kālā e hiki ai i kāu line of credit.
Me kahi hōʻai'ē home a iʻole " ka moemoeke lua ," hanaʻoe i nā mea a pau i hoʻokahi kī. E loaʻa iāʻoe ka huina kālā nui loa i hoʻokahi puʻu kālā, a laila, e ukuʻoe i ka ukiuki ma ka hōʻai'ē hōʻai'ē. Me kekahi HELOC, ma kekahiʻaoʻao, he kuleana wale nōʻoe no kekahi kālā palekana.
Ma keʻano maʻamau ka ukuʻana o kāu mau mahina i kēlā me kēia mahina me kahi kālā kālā o ka home, a loaʻa iāʻoe kahi hapa kumupanee kūpono (aiʻole kekahi e hoʻololi wale ana). Hiki ke kōkuaʻia kahi HELU i hiki ke loli pinepine, no laila, hiki ke hoʻololi i nā uku makahiki.
Nā Lime Kāleka Credit
Eia hou, hiki i kahi laina hōʻai'ē keʻano like me kahi kāleka kāleka. ʻO kaʻoiaʻiʻo,ʻo kāu kāleka kāleka he laina ia o ka hōʻai'ē: e hōʻai'ēʻoe i kahi palena palena, a hiki iāʻoe ke uku a hoʻouku hou i nā manawa he nui.
Nā Paʻi Hoʻokena a me nā Hōʻawina:
ʻO kāu hōʻai'ē e loaʻa i kahi manawa huki a me kahi manawa hoʻolimalima . I ka manawa o ke kau hukiʻana, noiʻoe i ke kālā a hoʻohana i kāu line of credit. Hiki paha kēia no 10 mau makahiki a pēlā paha, a ke nānā nei a manaʻoʻia e like me kahi kāleka kāleka kāleka. I loko o ka manawa hoʻolimalima, ke uku neiʻoe i ke tumuaki a me ka ukupanee ma ka hōʻai'ē (e nānā i ka pehea Amortization Works ).
Nā Kūʻai Kūʻai
E like me ka nui o nā hōʻai'ē, ua paʻa nā koina pili . E hoʻohālikelike i kēia mau mea i ka wā e hoʻoholo aiʻoe i kāu mau hoʻoholo i nāʻano kālā a me nā hōʻai'ē.
ʻO ka laina hōʻailona o ke kālā
ʻO kekahiʻano likeʻole o ka hōʻai'ē,ʻo ia ka hōʻailona hōʻemi o ka hōʻai'ē , e loaʻa ana i kāu helu moʻokāki . ʻO kēlā laina hōʻai'ē e hana i kahi hōʻai'ē liʻiliʻi i ka wā e lilo aiʻoe i nā meaʻoi aku ma mua o ka loaʻaʻana iāʻoe i ka nānāʻana, aʻoi aku ka meaʻoi aku ka uku ma mua o ka uku hoʻolimalima (e manaʻo anaʻoe e hōʻemi waleʻia e kekahi mau kiko'ī).