ʻOiʻole kaʻoi aku o ka waiwaiʻoi aku ma mua o ka uku paneʻe ma muli o kāuʻike. ʻO nā waiwai a pau he wahi. ʻO kēia keʻano o kēlā me kēia mea e hana nei i kāu mahele o ka moku'āina i Phoenix, no ka laʻana, hiki ke hoʻololi likeʻole mai, e'ōlelo, ke kālepa ma Manhattan. He mea hikiʻole ke hoʻolālā i ka māhele'āina kūʻai , akā hiki iāʻoe ke ho'āʻo e hoʻohana i ka ala e hele ai ka mākeke.
E like me kā Bono meleʻana, " heleʻo ia ma nā meaʻikeʻole ,"ʻaʻole hiki iāʻoe ke wānana mau i ka holoʻana o ka mākeke.
Akā hiki iāʻoe ke nānā iā ia. E nānā i nā kumukūʻai hoʻolālā kūkala no kahi molaki i hoʻopaʻaʻia he 30 makahiki. ʻO ka mea maʻamau,ʻo ke kauʻana o ka manamana lima ke piʻi aku ka uku paneʻe, piʻi ka uku kūʻaiʻana i ka uku,ʻaʻole naʻe i nā manawa a pau.
Nā Kūlaki Kū'ē Kū'ē
E'ōleloʻoe e hoʻohālikelike anaʻoe i ka home i Phoenix kahi waiwai he $ 240,000 a he 4.5% ka huina kālā āu. Ināʻoe e kūʻai mai ana ma kahi kūʻai māmā a kali a hiki i ka hōʻuleʻana o ke kumukūʻai i $ 210,000 akā piʻi nā huina i ka 6.5%, hiki paha iāʻoe ke kūʻai aku ma ke kumu kiʻekiʻe. ʻAe,ʻoiaʻiʻo. ʻO ka ukuʻana ma kahi moleki 80% LTV no kahi home $ 240,000 i 4.5% he $ 972.84.
ʻO ka ukuʻana ma kahi moleki 80% LTV no kahi home $ 210,000 i 6.5%ʻo $ 1067.87.
E hōʻoia i kekahi ala'ē aʻe, ināʻoe i uku i $ 30,000 hou no ka home ma ka ukuʻana i $ 240,000 a noho i kēlā home no 30 mau makahiki, ma ka manawa āu i uku ai i kāu loina, ua ukuʻoe i $ 350,222.24.
Ināʻoe i uku i kahi $ 30,000 kuʻikuʻi ma ka ukuʻana i $ 210,000 akā ua ukuʻia i ka nui o ka ukupanei no 30 mau makahiki, ma ka manawa āu i uku ai i kāu noi, ua ukuʻoe i $ 384,433.20.
Ma kēia kūlana,ʻaʻole maikaʻi ka ukuʻana i ka liʻiliʻi no ka ukuʻoi aku.
ʻEhia ka nui o kāu e waiho ai ma ke kumukuai kūʻai me kēlā me kēia .50% Hike Hiki Kiʻi?
E hoʻohālikelike i kēia hale i $ 240,000 inā piʻi ka huina i ka helu 1/2 a makemakeʻoe e mālama i kāu uku. ʻO ka amortization o nā moraki he 30 makahiki.
Ināʻoe he 20% o ke kumukuai kūʻai, pehea ka nui o ka home e hiki ai iāʻoe ke kūʻai e mālama i kou uku ma $ 975?
- $ 240,000 x 80% i ka 4.5% o ka huina e pili ana i ka uku o $ 972.84
- $ 226,260 X 80% ma ka 5.0% o ka uku i loaʻa he $ 971.65
- $ 214,062 X 80% ma ka 5.5% o ka huina e pili ana i ka uku o $ 972.34
- $ 202,500 X 80% ma ka 6.0% waiwai e like me ka uku o $ 971.27
- $ 192,188 X 80% ma 6.5% ka loaʻa o ka uku o $ 971.80
Hiki iāʻoe keʻike i ka nui o ka hoʻonuiʻia o ka 2% i kahi o ka uku kālā e lilo iāʻoe e pili ana i $ 50,000 o ka mana kūʻai i kēiaʻano kūʻai. Ināʻoe e pālua i ke kumukūʻai kūʻai, hiki iāʻoe ke lilo i kahi 100,000 o ka kūʻai kūʻaiʻana no ka hoʻonuiʻiaʻana he 2%.
ʻO kēia ke kumu kūʻai nui o ka uku kumukūʻai i nā mea kūʻai kūʻai hale mua. Inā lōʻihiʻoe i kahi kokoke i ka hopena o kāu helu kumukūʻai a piʻi ka piʻiʻana, hikiʻole iāʻoe ke kūʻai i kahi home moe āu e makemake nei no ka meaʻaʻoleʻoe e kūpono no kēlā kumukūʻai. A no laila, noʻonoʻoʻoe,ʻo ka hāʻawiʻana i ka haʻawina haʻahaʻa haʻahaʻaʻaʻole i ka pane.