Pehea e loaʻa ai kahi hōʻai'ē me ka hōʻai'ē maikaʻiʻole ma hope o ka hoʻolālā a me ka banekorupa
He nui ka poʻe kūʻai kūʻai e manaʻoʻaʻole hiki iā lākou ke kūʻai i hale inā ua hoʻopiʻiʻia ko lākou hōʻai'ē, akā,ʻaʻole pono kēia.
Loaʻa ka manaolana no ka poʻe makemake maoli e kūʻai i hale,ʻoiai inā heʻino ko lākou hōʻai'ē. E nānā kāua.
ʻO ka wā kali hoʻolālā kūpono ma hope o ka paʻaʻana / banekorupa
- ʻO ka manawa ma waena o nā hoʻopiʻi kāpena i kahi oʻehiku mau makahiki, akāʻo ka hoʻopiliʻana i kāu loiloi kālā e noho ana no nā makahiki he 10, ka hopena o ka hōʻai'ē maikaʻiʻole.
- No nā hōʻaika maikaʻi aʻe me kahi hōʻai'ē hōʻoia ,ʻehā mau makahiki ma hope o ka waihoʻana i ka banekorupa a iʻole ka kūʻai liʻiliʻi .
- Aia nā lālā FHAʻelua mau makahiki ma hope o ke kuhiʻana ,ʻo ia hoʻi ka hiki iāʻoe ke kūpono ma kahi haʻahaʻa he 3.5%. ʻEkolu makahiki me ka hōʻai'ē maikaʻiʻole ma hope o ka kūʻai ikiʻana . Ke hāʻawi nei kēia mau kulekele i hoʻokahi makahiki ma hope o ke kūʻaiʻana aku i ka "hoʻokō" akā,ʻo nā mea kūʻai ukana e hōʻole ana i kēia manaʻo.
- ʻO nā mea hōʻai'ē kālā nui e hoʻolilo pinepine i nā loans iʻeono mahina ma hope o ka waihoʻana i ka banekorupa a iʻole ka hana paʻa akā hiki iā lākou ke koi aku he 20% i 35% no ka ukuʻana no ka hōʻai'ē maikaʻiʻole. He kiʻekiʻe loa ka hapa ukupanee aʻaʻohe maikaʻi o nā'ōlelo loiloi; he nui ka nui o nā hoʻopaʻi hoʻopaʻi a hiki ke hoʻololi.
- ʻO nā mea hāʻawi kālā (ʻaʻole e pilikia pū me nā mea hōʻai'ē kālā) keʻole i 100% hoʻokele kālā, no ka hōʻai'ē maikaʻi.
Pehea e hoʻonui ai i kāu hōʻai'ē maikaʻi no ka loaʻaʻana o kahi hōʻai'ē pili
ʻOiai paha pahaʻoe e noʻonoʻoʻole ana kāu hōʻai'ē maikaʻi i ka kūʻaiʻana i kahi home, he kuhihewa paha ka manaʻo. Mai kākau i kāu mau kūlana e kūʻai i hale me ka hōʻino maikaʻiʻole no kou manaʻoʻiʻoʻana i kēia kuhihewa.
E kūkākūkā me kekahi mea hoʻolale loiloi i hoʻolako i ka kōkuaʻana i nā poʻe'ai'ē me ka hōʻai'ē maikaʻiʻole e kūʻai i kahi home.
- E kiʻi i kahi kāleka kāleka nui. E maʻalahi ka loaʻaʻana ma mua o kāu e noʻonoʻo ai i ka banekorō, no nā kumu heʻekolu:ʻo ka waihoʻana o ka banekorupa e hāʻawi iāʻoe i ka "hoʻomaka hou",ʻikeʻole ka mea uku iāʻoeʻaʻohe aie aʻaʻole hiki iāʻoe ke hoʻolilo i ka banekorupa hou no 7 mau makahiki.
- Hōʻike i kahi hana maʻamau ma ka hana no hoʻokahi aʻelua makahiki.
- Loaʻa i kahi uku makahiki a uku paha (ʻaʻole pili kēia i ka hana pilikino).
- E mālama i ka uku hoʻoili o ka 10%.
- E pale i nāʻauʻa hope loa a hoʻomau e uku i kāu mau pili i ka manawa; mai hina i hope.
Pehea ka hopena o ka FICO i nā kumukūʻai no ka kūʻaiʻana i kahi home me ka hōʻai'ē maikaʻiʻole
Ua'ōlelo mākou iā Evelyne Jamet ma ka Vitek Mortgage e pili ana i nāʻokoʻa ma waena o nā helu FICO a me ka piliʻana i nā mea ukupanele ukupaneʻe. ʻO nā helu ma lalo e like me ka uku pānaʻi ka mea noi iā ia me kahi 600 FICO māiho e uku i ka mea i hāʻawiʻole i ka banekorupa a uaʻole i kahi home mua i ka hana. ʻO kēia mea i manaʻoʻia ka mea noi me ka hōʻai'ē maikaʻiʻole,ʻo ia ke emi i ka 10% o ke kumukuai kūʻai i ke kālā a hālāwai i nā mea hoʻolimalima i luna.
- FICO'Oiho o 600 a 640: + 1.625% ma luna o ka hopena lanakila. ʻO kēia keʻano inā he mea noi i ka hōʻai'ē maikaʻi e uku ana i ka 5.875%,ʻo ka huina kālā he 7.5%.
ʻO kahi kālā kālā $ 200,000 i 7.5% e hāʻawi iāʻoe i kēlā me kēia malama kālā $ 1,398.
- Loaʻa FICO o 560 a 580: + 2.875% ma luna o ka hopena lanakila. ʻO kēia keʻano inā he mea noi i ka hōʻai'ē maikaʻi e uku ana i ka 5.875%,ʻo ka huina kālā he 8.75%.
ʻO kahi kālā kālā $ 200,000 i 8.75% e hāʻawi iāʻoe i kēlā me kēia malama i $ 1,573.
- Loaʻa FICO o 540 a 559: + 3.425% ma luna o ka hapa lanakila. ʻO kēia keʻano inā he mea noi i ka hōʻai'ē maikaʻi e uku ana i ka 5.875%,ʻo ka huina kālā he 9.3%.
ʻO kahi kālā kālā $ 200,000 i 9.3% e uku iāʻoe i kēlā me kēia malama i $ 1,653.
- Ka FICO Score Ma lalo o 540 a 500: + 3.875% ma luna o ka hapa lanakila. ʻO kēia keʻano inā he mea noi i ka hōʻai'ē maikaʻi e uku ana i ka 5.875%,ʻo ka huina kālā he 9.75%.
ʻO kahi kālā kālā $ 200,000 i 9.75% e hāʻawi iāʻoe i kēlā me kēia malama kālā $ 1,718.
- Loaʻa FICO ma lalo o 500: + 6.25% ma luna o ka hapa lanakila. ʻO kēia keʻano inā he mea noi i ka hōʻai'ē maikaʻi e uku ana i ka 5.875%,ʻo ka hapa pānaʻi he 12%. Me ka FICO o ka liʻiliʻi o 500,ʻaʻoleʻoe e kūpono i kahi hōʻai'ē 90%, akā hiki iāʻoe ke kūpono no ka hōʻai'ē he 65%, no laila, ponoʻoe e hoʻonui i kāu uku mai 10% a 35%.
ʻO kahi kālā kālā $ 200,000 i 12 %, e uku iāʻoe i kēlā me kēia malama i $ 2,057.
Ke hoʻohālikelikeʻana i nā mea like me FICO e pili ana i nā mea noi me ka loaʻaʻole o ka hōʻai'ē a me ka banekorupa
ʻO ka mea noiʻole me ka ukuʻole a me ka paʻaʻana me ka 600 FICO e loaʻa iā ia ka uku pāʻani o ka 5.875% (e like me ka mea i luna aʻe nei) a uku i kēlā me kēia malama i $ 1183 ma kahi kālā kālā $ 200,000. Hiki iāʻoe keʻike i ka waihoʻana i ka banekorupa a iʻole ka paʻaʻana i kāu moʻomeheu, me kahi kī FICO o 600, e hopena i ka hoʻonuiʻana i ka uku hoʻolimalima o $ 215 ma luna o ka mea nāna e lawe kālā me ka ukuʻole. Eia naʻe,ʻo kēlāʻokoʻa ma ka uku uku e kūʻai aiʻoe i kahi home.
ʻO kekahi'ē aʻe i ke Bank-Financing no ka'Aponoʻole
Borrowersʻaʻole i piha i ka uku i hāʻawiʻia e ka mea hāʻawi i ka loiloi e makemake paha e nānā i ke kūʻaiʻana i kahi home me ka mea kūʻai kālā . Hoʻolimalimaʻia nā palapalaʻaina'āina . ʻO ka mea maʻamau,ʻo ka uku kālā kūʻai aku e hāʻawi ana:
- ʻAʻole kūpono
- ʻO ka uku haʻahaʻa haʻahaʻa
- Kū'ē mau a me lalo
- Hoʻopau hope
E makemakeʻoe e nānā me kāu mea hoʻolale i kēlā me kēia makahiki a pēlā paha eʻike ai inā hiki iāʻoe ke hoʻolimalimaʻana ma ka palena haʻahaʻa.
MAKAHI:ʻO Vitek Mortgage he mea kūʻai aku iʻoi aku no kaʻoihana kūʻai a me ka launa pūʻana me ka Lance Real Estate. Hāpaiʻo Evelyne Jamet i nā loans ma New Mexico, Colorado, a me Kaleponi a'ōlelo aku i nā mea noiʻole me ka hōʻai'ē hōʻai'ē maikaʻiʻole i kahi mea hoʻolale loiloi FHA.
I ka manawa e kākau ai,ʻo Elizabeth Weintraub, DRE # 00697006, he mea kūʻai aku ma ka Lyon Real Estate ma Sacramento, Kaleponi.