Pehea e uku ai ka aie i ka uku kālā
Pehea e helu ai
No ka hoʻokeʻoʻana i kāu'ai'ē i kēia lā, e hoʻokaʻawale i kāu'ai'ē a pau o kāu kālā āpau ma o kāu kālā loaʻa kālā.
Hiki iāʻoe ke "hoʻi i" i ka heluʻana i ka nui o kāu hōʻai'ē "ʻo ia" e hoʻonui ai i kāu kālā ma o ka'ai'ē'ai'ē i ka lakene kālā.
ʻO nā uku hōʻai'ēʻo ia nā uku kau palena i makemakeʻia no kāu mau loina, e like me:
- Nā loans kālā
- Kaʻae kāleka kāleka
- Loans keiki
- Loaniana hale
- Nā loina pilikino
ʻO kāu kālā nui o kēlā me kēia me kāu kālā makahiki ma mua o kaʻauhau a laweʻia nā unuhi'ē aʻe.
Ka Laʻana: manaʻoʻoe e loaʻa $ 3,000 ma ka mahina mahina. ʻO kāu uku hōʻai'ē kālā he $ 440 aʻo kāu uku uku hōʻai'ē he $ 400. He aha kāu aie i kēia lā no ka hōʻiliʻili kālā?
E hoʻokaʻawale i ka huina o kāu uku mahina ($ 840) i kāu kālā loaʻa. $ 840 i puʻunaueʻia e $ 3,000 = .28. E hoʻololi i ka hōʻonui o ka pakeneka , kahi e loaʻa ai he 28% o ka aie i ka loaʻa o ka lakene.
Ka Hana # 2: manaʻoʻoe e loaʻa $ 3,000 ma ka mahina mahina nui, a makemake kāu mea e uku nei i kāu'ai'ē i ka lakene kālā loaʻa ma lalo o 43%. He aha ka palena kiʻekiʻe āu e hoʻolilo ai i kahi hōʻai'ē?
Hoʻonui i kāu kālā nui ma o ka hōʻai'ē paʻamau i ka lakene kālā. $ 3,000 .43 = $ 1,290. ʻO kāu mauʻoihana o ka mālamaʻana i ka mālamaʻana he mea emi iho i ka $ 1,290. ʻOiaʻiʻo,ʻoi aku ka maikaʻi.
He aha ka lālā maikaʻi?
ʻO ka manaʻo ma hope o ka hōʻai'ē i ka lakene o ka loaʻa he uku. Makemake nā mea kūʻai iāʻoe e hiki iāʻoe keʻoluʻolu e hūnā i kāu hōʻai'ē -ʻoiai ma mua o ka hōʻoiaʻana i nā loans hou a hoʻonui i kāu ukana.
Hoʻololi nā helu kiko'ī mai ka mea nāna e hāʻawi aku i ka mea kūʻai, akā, he nui ka poʻe loina e hoʻohana i ka 36% e like me ka pānaʻiʻoi loa i ka lakene. ʻO kēlā'ōlelo, nui nā mea hoʻoili'ē aʻe e hoʻokuʻu iāʻoe e piʻi i 55%.
I ka nānāʻana i nā uku, e nānā waleʻia ka lālā "mua" i nā lilo o ka hale, e like me kāu uku pili kālā, nāʻauhau waiwai, a me ka mea kūʻai hale home. Makemake nā mea hoʻolale eʻike i kēlā kaʻina ma 28% i 31% aiʻole lalo.
ʻO ka "hopena hope" i ka hōʻaia'aiapili a pau e nānā aku i kāu mau pili pili'ē. ʻO kēlā māhele e pili ana i nā loans auto, nā loans haumāna, a me nā uku kāleka kāleka.
No kāu moraki i lilo i "moraki kūpono",ʻo ia ka hōʻai'ēʻoi aku iʻoi aku kaʻoihana iʻoi aku i kaʻoihana, aʻo kāu'aiakeō holoʻokoʻa he 43%. Aia kekahi mau hōʻole i kēia kānāwai, akāʻo nā kānāwai hoʻopiʻi kālepa e hōʻike e hiki iāʻoe ke uku i nā hōʻai'ē home i'āponoʻia e lākou, aʻo kāu'ai'ē i ka hapaʻai kālā he wahi nui ia o kāu hiki.
ʻOʻoe ka lunakānāwai nui no nā mea hiki iāʻoe ke uku. ʻAʻoleʻoe e hōʻai'ē i ka maximum i loaʻa iāʻoe -ʻoi aku ka maikaʻi o ka hōʻai'ēʻuʻuku. Hiki i ka palena kiʻekiʻe ke hoʻopilikia i kāu pūlāwaiwai, a paʻakikī hoʻi i ka komoʻana i kekahi hanana (e like me ka nele i ka hana, ka hoʻololi o ka manawa, a me ka uku hoʻolālā). ʻO ka mālamaʻana i kāu hōʻai'ē i ka liʻiliʻi he mea maʻalahi ia iāʻoe e hoʻolilo i ke kālā no nā mea'ē aʻe e like me ka uku hoʻonaʻauao a iʻole ka haʻaleleʻana.
Hoʻonui i kāu mau Ratio
Inā he kiʻekiʻe loa kāu'ai'ē i nā pōʻaiapuni kālā, ponoʻoe e lawe iā lākou i lalo e hōʻoiaʻia no ka hōʻai'ē. Nui nāʻano e hiki ai ke hana i kēlā, akāʻaʻole maʻalahi nā maʻalahi.
E uku i ka hōʻai'ē:ʻo ka ukuʻana i kahi hōʻai'ē e hōʻemi i kāu hōʻai'ē i ka lakene kālā ma muli o ka loaʻaʻana o ka ukuʻuʻuku o ka mahina i loko o kāu kauō. Pēlā hoʻi,ʻo ka hōʻai'ēʻana i ka hōʻai'ē kāleka hōʻai'ē, e emi ana nā ukuʻoi o kāu mau mahina.
Ka hōʻiliʻili kālā:ʻo kekahi hana'ē aʻe āu e hiki ke lawe ma mua o ka hoʻohanaʻana i ke kālā he mea kōkua. Akā,ʻaʻole pono iāʻoe nā mea kālā a pau. Inā noiʻoe i kahi kālā me ka hoa, hoa, a makua paha, e komo pū kā lākou kālā (a me ka'ai'ē) i ka helu. ʻOiaʻiʻo,ʻo ia nō ke kuleana no ka ukuʻana i ka hōʻai'ē inā loaʻa iāʻoe kekahi mea. Hiki ke kōkua iāʻoe e hōʻoiaʻia , akāʻo ka hana a kāu mea hoʻokele.
ʻO ka laweʻana i ka manawa: ināʻikeʻoe e noi anaʻoe no kahi hōʻai'ē nui e like me ka hōʻai'ē home, eʻae i ka laweʻana i nā kālā'ē aʻe a pau kāu kālā kālā. ʻO ke kūʻaiʻana i kahi kaʻa ma mua o kou loaʻaʻana i ka moraki e hōʻinoʻia kou mau hopena o ka'āponoʻiaʻana no ka mea, e heluʻia ka uku hoʻokele nui iāʻoe. ʻOiaʻiʻo, eʻoi aku ka paʻakikī o ka loaʻaʻana o ke kaʻa ma hope o kou loaʻaʻana o ka moraki, no laila ponoʻoe e koho mua.
Nui ka ukuʻana i ka uku: kōkua nui ka ukuʻana e mālama i kāu uku o nā malama . Inā loaʻa iāʻoe kahi kālā a hiki iāʻoe ke kūʻai aku i kāu kūʻai, eʻike i nā hopena o ka hopena.
Hoʻolālā nā mea hoʻolimalima i kāu'ai'ē i ka lakene kālā loaʻa me ka loaʻa kālā āu e hōʻike ai iā lākou. I nā manawa he nui, ponoʻoe e kākau i kāu kālā, a pono lākou e hōʻoia e hiki iāʻoe ke hoʻomau i ka loaʻa o kēlā kālā i ke ola o kāu loan.
Nā Māla koʻikoʻi'ē aʻe
ʻO kāu'ai'ē i ka lihi kālā loaʻaʻaʻoleʻo ia wale nō ka mea a nā mea'ai'ē e manaʻo. ʻO kekahi lākiō nui ka pālākiō waiwai (LTV). ʻIke kēia i keʻano āu e noi nei e pili ana i ka waiwai o ka mea āu e kūʻai nei. Ināʻaʻole hiki iāʻoe ke waiho i kekahi kālā i lalo,ʻaʻole e nānā maikaʻi kāu ratio LTV.
ʻO kekahi kumu nuiʻo Credit. Makemake nā mea hoʻolale eʻikeʻoe e noi neiʻoe (a,ʻo ka mea nui, he hōʻai'ē hōʻai'ē ) no ka wā lōʻihi. Inā maopopo lākou uaʻikeʻoe i kāu hana me kahi hōʻai'ē, hiki iā lākou ke hāʻawi iāʻoe i kahi hōʻai'ē. Ke hoʻohanaʻia nei kāu mau helu'ai'ē no ka loiloiʻana i kāu mōʻaukala borrowing.