Definition: ʻOiaʻiʻo,ʻo kahi hōʻai'ē kūʻai kālā he loina i hoʻohanaʻia e kūʻai i kahi home. I kekahi mauʻano,ʻoi aku ka maʻalahi o ka weheweheʻana i ka meaʻaʻole i loaʻa ke kālā kālā kūʻai. ʻAʻole ia he loina i laweʻia ma hope o kou kūʻaiʻana i kahi home e like me ka laina pono o ka home a iʻole ka hōʻai'ē kaulike home . ʻAʻole ia he moraki refinance. ʻO ka hōʻai'ē kālā kūʻai eʻikeʻia e ka palapala hoʻokele a me ka moraki i kahi hōʻailona kūʻai hale ma ka manawa e kūʻai ai ka mea kūʻai hale i ka home.
Hiki i kekahi mea nāna ke noi kālā ke loaʻa i kahi kāpena kālā kūʻai mai kahi kāleka, kahi mālama kālā a me ka hōʻai'ē, heʻahaʻeha aiʻole kahi waihona waiwai pono'ī, e like me ka mea kūʻai aku i ka hale . Inā kūʻai ka mea kūʻai aku i ka mea kūʻai aku, ua kapaʻiaʻo iaʻo ka hoʻokupu kālā , akā, e kūʻai mau ana i ke kālā.
ʻO kahi hōʻai'ē kālā hōʻai'ēʻo ia ka loina i hikiʻole ke nānāʻia he loan kālā kūʻai. No ka hāʻawi mauʻana i ka hāʻawi'ē e pili ana i ke kūlike i loko o ka waiwai aʻaʻole pono ke kūpono o ka mea noi.
Nā Mokupuni Vanilla o ke kālā kālā kūʻai
ʻO ke ala maʻalahi eʻike ai i kāu hōʻai'ē kālā, e unuhiʻia mai ke kumukūʻai i ka nui o ka uku o ka uku , aʻo ka helu hōʻemi ka helu kālā. ʻO ke kumu kūʻai gula no ka hōʻai'ē he 20% ka nui a me ka hōʻai'ē 80%, akā aia nāʻano loans nui e likeʻole me kēlāʻano. Loaʻa ka poʻe kūʻai i ka uku no ka hōʻemi i kahi nui ma luna o 20%. ʻOiaiʻo 20% wale nō keʻanoʻole,ʻaʻole ia he mea hikiʻole i ka mea kūʻai ke hoʻohaʻahaʻa i lalo.
Hiki i ka mea kūʻai aku ke uku i ka uku nui.
Nā Kū'ē Hoʻolimalima Kūʻai
ʻO ka pānaʻi maʻamau maʻamau o ka hōʻai'ē kūʻai he uku paʻa . ʻO kēiaʻano o nā loina i hanaʻia e ka hapa nui o nā'auke a hoʻokumuʻia e nā'aukeʻa a me nā ukana ukeli. Hoʻohui pinepine lākou i nā kānāwai Fannie Mae a iʻole nā kākoʻo o Freddie Mac i hiki iā lākou ke hoʻolako a kūʻaiʻia ma hope o ka pauʻana i ka mākele moleka kiʻekiʻe.
Nā hōʻai'ē hōʻai'ē no kahi hoʻolālā pānaʻi maʻamau mai kaʻole no nā mea hōʻai'ē maʻamau i ka helu kūikawā i 3%, 5%, 10%, 15% a me 20% aʻoi aʻe paha.
Inā pili pono ka mea noi i nā kumukūlā, hiki i ka mea nāna ke uku ke koi i ka uku iʻoi aku ka nui o ka uku iʻoi aku ma mua o ka 20% no ka emiʻana o ka hōʻai'ē e kūpono i nā lakio i makemakeʻia. ʻO kēia kahi kahi e kūʻai aku ai ka mea kūʻai aku i kahi hale iʻoi aku ka maikaʻi ma mua o ka mea eʻaeʻia ana ka mea noi mai me ka 20% o lalo. Eia kekahi laʻana, inā uaʻaeʻia kahi mea noi iā 80% kūʻai kālā kālā no $ 160,000, ma muli o ke kumukū kūʻai kūʻai $ 200,000, akā he mea aloha i ka mea nāna ke kālā i ka uku home i $ 225,000, hiki ke hana i ka hana inā kūʻai ka mea kūʻai aku i lalo.
Ma kēiaʻano, hiki i kahi mea noi ke loaʻa i kahi hōʻai'ē kālā kūʻai $ 160,000 ma ka hoʻopaʻaʻana i kaʻokoʻa ma waena o $ 225,000 a me ka hōʻai'ē a me ka hoʻokuʻuʻana i $ 65,000.
FHA Loaʻa kālā
ʻO ka lua o ka hōʻai'ē kālā kūʻai maʻamauʻo FHA. ʻO ka palena palena palena maʻamau no ka hōʻai'ē FHA he haʻahaʻa loa, aia nō i kēia manawa 3.5% o ke kumukūʻai kūʻai. Hoʻolakoʻia kekahi mau hāʻawi kālā i ke kālā kiʻekiʻe no ka kōkuaʻana i ka ukuʻana a me ka palena piliʻana i hiki ai i kahi mea noi ke hoʻokomo pono i kaʻole. Hoʻolālāʻia nā loilo FHA e ka Administration Housing Housing, i mālamaʻia e ka Housing and Urban Development.
ʻAʻole hiki i kahi mea kūʻai kālā ke loaʻa iā ia kahi uku FHA. Hoʻoliloʻia nā loina FHA i nā mea'ai'ē e noho i ka waiwai.
VA Pū'ē Loan Loa
ʻO kaʻekolu o nāʻanoʻano likeʻole o ka hōʻai'ē kālā kūʻai he VA, hiki i nā pūʻali koa hana a me nāʻoihana hanaʻole a me kā lākou mau wāhine ma keʻano o kekahi mauʻano. ʻO VA ke kū nei no nā Veterans Affairs. ʻO ka hōʻai'ē VA he mea mau loa ia, akā,ʻoiai, hiki i kahi mea noi ke hōʻemi iho i kahi nui. ʻO nā loina VA ke mālamaʻia e ke aupuni. Hoʻopauʻia nā mea nāna e uku mai i ka ukuʻana i kekahi mau uku ma ka hoʻolālā VA, a makemake ka VA i ka pauʻana o ka pest.
I ka wā e ukuʻia ai ka hōʻai'ē kālā ma o ka hoʻolimalimaʻana,ʻaʻole kūʻai hou i ke kālā kālā. ʻO ka hoʻolālāʻana i kēia manawa he kālā kālā kālā. ʻO ke kumu e mālama ai ka mea nona ka hale, no ka mea i loko o kekahi mau māhele, nā loina kālā nui e hāpai i ka mea noi; akā naʻe,ʻaʻole kūʻai.