Nāʻike mele no nā mea pili pono wale nō
E lawe aneiʻoe i kahi moraki-uku wale nō? ʻO kēia mau moraki hikiʻole ke hoʻohaʻahaʻa i ka pale kaulike, aʻoiai lākou e hoʻokō nei i kahi kiko'ī,ʻaʻole lākou no kēlā me kēia mea kūʻai. Ponoʻoe e like me ka nui o ke kālā e like me ka nui o nā uku āu e uku ai no kou uku waleʻana i ka uku.
ʻO nā moemoeka uku wale nō he mau kālā i hoʻopaʻaʻia e ka waiwai waiwai a loaʻa pinepine i kahi koho e uku i ka uku.
Hiki iāʻoe ke uku aʻoi aku ka nui o ka poʻe. People like interest-only mortgages no ka mea he mea ia e hōʻemi nui ai i kāu uku moraki. Hōʻole pinepine ka'enekala i kaʻoiaʻiʻo e pili ana i nā moraki-loiloi wale nō, e hana ana iā lākou he mau kīpilikiaʻino aʻoiʻole paha, kahi mamao aku i kaʻoiaʻiʻo. E like me kekahiʻano kālā kālā, aia he mau pono a me ka waiwai. ʻAʻohe moemoeka wale nō ka uku moraki.
He aha kahi Miliwai-Hoʻoilina wale nō?
ʻO nā uku uku wale nōʻaʻole nā poʻokumu. ʻO ka hapa nui o nā moraki-uku wale nō i loaʻa i kēia lā, he koho no nā uku uku-wale nō. Eia kekahi hiʻohiʻona:
- $ 200,000 loan, e lawe ana i ka uku ma ka 6.5%. ʻO ka uku hoʻolimalimaʻia no kahi hōʻai'ē 30-makahiki he $ 1,254 i kēlā me kēia mahina, nona ka waiwai nui a me ka ukupanee.
- ʻO kahi uku uku wale nō he $ 1,083.
- ʻO kaʻokoʻa ma waena o kahi uku uku P & I a me ka uku paneʻe he saviliʻo $ 170 no ka mahina.
Nā Kulele Kūpono'Apau wale nō
ʻO nā loiloiʻoi loa o ka makemake-wale nōʻaʻole eʻae i nā mea'ai'ē e uku i ka uku-uku wale nō.
ʻO ka mea maʻamau,ʻo ka manawa kūpono e kau palenaʻia i nā makahiki elima aʻumi paha o ka hōʻai'ē. Ma hope o kēlā wā, hoʻonuiʻia ka hōʻai'ē no ke koena o kona manawa. ʻO kēia keʻano o ka hoʻolimalimaʻana o nā kālā i kahi kālā nui akāʻaʻole i hoʻonuiʻia ka pale kālā. ʻElua mau moraki kaulana:
- ʻO kahi hōʻai'ē he 30 makahiki. ʻO ka koho e hāʻawi i ka uku paneʻe-wale nō no nā 60 mau mahina. Ma ka hōʻai'ē $ 200,000 ma 6.5%, hiki i ka mea noi ke koho e uku $ 1,083 ma ka mahina ma kekahi manawa i loko o nā makahiki mua e pae. No nā makahiki 6 a hiki i 30, e ukuʻia ka uku $ 1,264.
- He hōʻai'ē he 40 makahiki. ʻO ka koho e hana i ka uku paneʻe-wale nō no nā 120 mau mahina. Ma ka hōʻai'ē $ 200,000 ma 6.5%, hiki i ka mea noi ke koho no nā makahiki heʻumi i hiki ke uku i ka uku pānaʻi wale nō i loko o kekahi mahina i hāʻawiʻia. No nā makahiki 11 a hiki i ka 40, e ukuʻia ka uku $ 1,264.
Pehea e pili ai i kahi hōʻai'ē-uku wale
He mea maʻalahi ke nānāʻana i ka mahuʻi mokulele . E lawe i kahi pale kālā hoʻoiliʻole o $ 200,000 a hoʻonuiʻia e ka hapa ukupanee . I kēia hihia, he 6.5% ka huina. ʻO kēlā helu he $ 13,000 o ka uku,ʻo ia ka uku makahiki o ka uku. E hoʻokaʻawale i kahi $ 13,000 i nā mahina he 12, e like me kāu uku hoʻolimalima āpau a iʻole $ 1,083.
ʻO wai ka mea e lawe aku i kekahi mea noi - nā'ōlelo hoʻoili wale nō?
ʻO nā moemoeka uku wale nō ka waiwai no nā mea kūʻai hale kūʻai mua . He nui nā home e hakakā nei ma ka makahiki mua o ko lākou kuleana no ka mea,ʻaʻole lākou i maʻa mau i ka ukuʻana i nā moraki , heʻoi aku ka nui ma mua o nā uku uku.
ʻAʻohe uku o ka hoʻolimalima kālā wale nō i ka uku o ka uku hale. ʻO kāna hana e hāʻawi i ka mea noi i ka OPTION e uku i ka uku haʻahaʻa i nā makahiki mua o ka hōʻai'ē. Inā hoʻokau ka mea hale i ka palapala pili i manaʻoʻoleʻia - e'ōlelo, pono ke paniʻia ka mea puhi wai - e hiki ke uku i ka mea nona $ 500 aʻoi aʻe paha.
Ma ka hoʻohanaʻana i ka koho i kēlā malama e uku i ka uku haʻahaʻa, hiki i kēlā koho ke kōkua i ka paleʻana i ka pūnaewele o ka mea hale.
Ka mea kūʻai aku i ka loaʻa o kāna kālā ma muli o ka loaʻa o nā loiloi, no ka laʻana, ma kahi o ka uku hoʻolimalima, e pōmaikaʻi hoʻi i kahi koho hoʻokele loea-wale nō. Hoʻolilo pinepine kēia mau mea kālā i ka uku paneʻe-uku wale nō i nā mahina liʻiliʻi a uku hou aku i ke kumu i ka loaʻaʻana o nā pila a i nā komisina.
Ehia nā kumukūʻai-wale nō nā kumukūʻai kūʻai?
Ma muli o ka mea maʻalahiʻole ka hana a nā mea kālā i kekahi mea no ka mea noa, hiki ke ukuʻia ka uku no kahi moraki-pono wale nō. Eia kekahi laʻana, inā loaʻa kahi molaki kūpono he 30 makahiki ma ke kaʻina holomua o 6% no ka waihona, hiki ke ukuʻia he 5% o ka hoʻolimalima ukupanee a i hoʻonohonohoʻia ma 6.5%.
Hiki i kekahi mea nāna ke uku ke hoʻolimalima i ka hapa o ka helu e hana i ka hōʻai'ē.
Hiki ke hoʻokaʻawale i nā kumukūʻai a pau, no laila ke uku nei i ke kālepa.
He aha nā Risks & Myths i pili me kahi Waiwai-Hoʻoilina wale nō?
ʻO ka mea nui o ka moraki hoʻopuka-wale nō ka hoʻomanaʻoʻanaʻaʻole e hoʻonui loa ka pale kālā. ʻO nā pānaʻi Kōkua Kōkua Kū'ē he mau mea no ke amortizationʻole . ʻAʻoleʻo nā moraki wale nō ka uku.
ʻO ka pilikia e pili ana i kahi moraki-wale nō ka moraki ma ka hoʻokomoʻiaʻana e kūʻai aku i ka waiwai ināʻaʻole i mahaloʻia ka waiwai. Inā uku ka mea'ai'ē i ka uku hoʻopaneʻe a me kēlā me kēia mahina, ma hope, e'ōleloʻoe, iʻelima mau makahiki, pono i ka mea nāna e hōʻai'ē ka hōʻai'ē kumu mua no ka meaʻaʻole i hoʻemiʻia. ʻO ka pānaʻi hōʻai'ē e like ka nui i ka wā i puka mai ai ka aie.
Eia naʻe,ʻo ka hōʻai'ē hōʻano hōʻemiʻoleʻana ,ʻaʻole ia e uku nui i kahi kālā 100% i ukuʻia e uku i nā kumukūʻai e kūʻai aku ināʻaʻole i mahaloʻia ka waiwai. ʻO ka nui o ka hōʻai'ē i ka wā kūʻai e ho'ēmi i ka pilikia e pili ana i kahi moraki ukupanee-wale nō.
Inā e hāʻule nā waiwai waiwai, akā,ʻo ka pono i loaʻa i ka waiwai i ka wā kūʻai e lilo. Akā,ʻo ka hapa nui o nā mea hale, me ka nānāʻole i ka hōʻai'ēʻana o kahi loina, e kūpono i ka hopena i kahi kūʻai mākeke.
I ka manawa e kākau ai,ʻo Elizabeth Weintraub, DRE # 00697006, he mea kūʻai aku ma ka Lyon Real Estate ma Sacramento, Kaleponi.