Nā Difiche i waena o nā Moni Loan Loa a me ka Hoʻolāki Kūʻai
No ka hoʻomaopopoʻana i kahi i loaʻa mai ai nā loina paʻakikī, hiki iā mākou ke hoʻi i nā lā lio a me nā lā. ʻO ka hapa nui o nā kālā i hoʻohanaʻia i waena o nā poʻe noho ma Amerika kahiko, he mau dālā kālā. ʻO ka poʻeʻAmelikaʻAmelika, ma kekahiʻaoʻao, ua kālepa lākou i nā waiwai e like me nā pēpē a me nā pelts. Ināʻoe e hōʻai'ē kālā, ponoʻoe e uku, aʻo ka pale paleʻaʻole i hoʻokaʻawale mau loaʻia no ka uku. ʻO nā loina ukiuki hōʻano pinepineʻia ke kīnāʻia.
Ma lalo, ināʻaʻoleʻoe i uku, hiki iāʻoe ke pana.
No ka hoʻoponoponoʻana i nā kolonā, ua hāʻawi aku ke aupuni oʻAmelika Huipūʻia i nā'āina e kūʻai aku ai i ka'ōlelo hoʻohiki a ka mea noho malihini e noho ma ka'āina, e ulu i nā mea e like me ka palaoa a me ka pua, a hānai i nā holoholona. No ka hāʻawiʻana i kahi hauʻoli, ua kuaʻia nā mea kū i lalo i kekahi mau kumu lāʻau a ua kūkulu i ko lākou mau kaomi lāʻau pono'ī. I kēia lā, makemake mākou e kūʻai i kahi hale e noho nei a iʻole mākou e uku i ka mea kūkulu hale e kūkulu i kahi hale hou no mākou, aʻaʻole mākou e loaʻa kahi hale noho kaʻawale aʻole.
No ka hapa nui, kūʻai i kahi home i ka 21st Century e pili ana i kekahiʻano kālā. Loaʻa iʻekolu mau māhele o ke kumukuai kūʻai:
- ʻIke kālā kālā
- Ka hōʻaiaʻana o ka uku mai ka mea kūʻai aku (e komo pū ana me ka hōʻai'ē kālā)
- ʻO ke kaulike o ke kumukuai kūʻai i keʻano o ka hōʻai'ē moraki
ʻO ke kālā kālā Loans e pili ana i ka hōʻai'ē kālā
ʻO kahi hōʻai'ē kālā kūʻai he kālā i kūʻaiʻia e ka mea kūʻai hale e kūʻai i kahi home. ʻO kahi home kahi kokoke i nāʻano likeʻole, mai kahi hale noho hoʻokahi, nā'āpana maha, kahi condominium, hale noho aliʻi, a me nā mea kūʻai aku i kahi hale kuʻuna a hale hana paha .
ʻO ka hōʻai'ē kūʻai he hapa ia o ke kumukūʻai kūʻai. Mālamaʻia ka hōʻai'ē e ka waiwai,ʻo ia hoʻi inā kūʻai ka mea kūʻai i ka hana pa , hiki i ka mea kūʻai ke kuleana e hopu i ka home a kūʻai aku i ia hale e loaʻa ai ke kālā.
ʻO kahi kālā hōʻai'ē kālā i hoʻopaʻaʻia i ka waiwai maoli,ʻo ia ka hōʻai'ē i kūʻaiʻole i ke kālā.
He kālā i hōʻai'ēʻia i kahi mea noi,ʻaʻole i hoʻohana mauʻia e kūʻai i kahi home. Hiki iāʻoe ke loaʻa kālā hōʻai'ē kālāʻole me ka loaʻaʻole o kahi home - ma kaʻole o kahi palekana no kēlā loina - me ka manaʻo o ka mea loiloi he hopena maikaʻi maikaʻiʻoe. ʻO kahi kāleka hōʻai'ē he kālā kālā kālā kālā. A iʻole e hiki iāʻoe ke loaʻa kālā hōʻai'ē kālā i hoʻopaʻaʻia i ke kaulike ma ka home akāʻaʻoleʻo ia kekahi o ka uku kūʻai. Makemake nā mea kūʻai kālā maʻalahi i ka mea noi a me ka palekana e hiki ai ke hoʻolimalima kālā kālā.
ʻO nā kuʻi kālā kālā he poʻe kōkua kālā kālā
ʻO nā poʻe e noi mai nei i ke kālā mai nā mane loan mai hikiʻole ke loaʻa iā lākou kahi hōʻai'ē mai kekahi kumu'ē aʻe. Hiki paha i kēia poʻe mea hōʻai'ē ke loaʻa ka hōʻai'ē maikaʻi ,ʻaʻohe waiwai, a me nāʻoihana i hōʻoleʻia. ʻO kekahi o nā mea noi kālā, he mea pale wale a hāʻule i nā manawa pilikia.
Inā loaʻa iāʻoe kahi waiwai e hiki ke hoʻohanaʻia no ka pale no ka loina, hiki iāʻoe ke hele i kahi hale kūʻai. Ināʻaʻohe āu waiwai e kūʻai aku ai no ke kālā,ʻo kahi mea nāna e uku kālā e like me ka mane loan i mea hāʻawi i ka koho. Hoʻolālā nā loea ukana i kā lākou kālā ma o ka ukuʻana i nā huina kālā nui loa , he mea pinepine hoʻi i nā kānāwai hoʻonui. Hiki i nā wini kālā kālā ke hoʻohana i nā mea weliweli a me ka hanaʻino e paipai i nā mea noi e uku i ka hōʻai'ē.
ʻO nā loea hōʻai'ē he mau mea kōkua kālā nui, akā,ʻoluʻolu,ʻaʻoleʻo nā mea'ai'ē kālā hōʻai'ē he mau loea koi.
ʻAʻole pono ka lawe kālāʻana mai kahi mane loan.
Nāʻano o Hard Money Loans
ʻO ka hapa nui o nā mea kālā kālā e hāʻawi aku i nā kuleana me ka palekanaʻana e hana i kahi hōʻai'ē. E hoʻihoʻiʻia kēlā pale hoʻopaʻa, e like me ka home, i ka mea nāna e uku ka uku inā hana ka mea nāna i noi a me ka home i ka paʻa . ʻO ka waiwai maikaʻi he kaʻa maikaʻi loa no ka loaʻaʻana o kahi kālā kālā kālā, e hāʻawi ana i ka waiwai i nīnauʻia he kuleana. ʻO kekahi kumu o ka moraki i loaʻa i ka 2007,ʻo ia ka waiwai o nā hale i hāʻule, a ua waiho i nā mea kālā e waiho ana i kaʻeke me ka loaʻaʻole o kahi palekana.
ʻO kekahi poʻe kūʻai kūʻai e hoʻohana i nā loina nui-kālā e like me ka hana maʻamau e kūʻai i nā waiwai hoʻolālā e pono ana e kūkulu hou. E mālama lākou i kā lākou kālā a uku i nā mea kiʻekiʻe e lawe i kahi hōʻai'ē kālāʻeleʻele me kahi manawa uku hoʻolimalima. ʻO ka pilikia me kēiaʻano,ʻo kekahi poʻe kūʻai kūʻai e kākau i kā lākou kūʻai kūʻaiʻana e like me ke kālā a pau, a hōʻike lākou i nā kālā kālā e hōʻoiaʻiʻo i ke kālā .
Inā loaʻa iā lākou kahi hōʻai'ē, akā,ʻaʻoleʻo KĀKĀ kālā kālā loa.
Eia nāʻano maʻamau o nā loina ukiuki maʻamau:
- ʻO ke kala kālā hoʻoiliʻana he kālā kālā kālā
Hiki ke hoʻolimalima hou i hoʻokahi aʻoi aku paha o nā kālā i hoʻopaʻaʻia i ka waiwai, i loaʻa ai kahi hōʻai'ē hou, me ka loaʻaʻana o kahi kaulike nui loa. Hiki i kahi mea hale ke hoʻokuʻeneʻe me ka loaʻaʻole o kekahi mea i loaʻa mai ma o ka hoʻololiʻana i nā kumukūʻai o ka hōʻai'ē hou i loko o ke kaulike kaulike a iʻole e uku i nā koina o ka hōʻai'ē mai loko mai o kaʻeke o ka mea noi.
Ma kahi hoʻolimalima kālā, hoʻopuka ka mea kūʻai aku i kahi hōʻai'ē hou iʻoi aku ka nui ma mua o ka nui o nā loans kahiko a me nā koina e loaʻa ai ke kālā. ʻO ke kālā ma luna o kēlā mau meaʻelua i kapaʻia he "kālā i ka mea noi." ʻO ka loaʻaʻana o nā upena o ka refinance. Nui nā hoʻopiʻi kālā-waho i ka hoʻoponopono kālā.
- ʻO nā Loan Equityʻo Hard Money Loans
Hoʻolālā koke ka waihona kālā kālā o nā home equity a me ke kūlou i lalo i kahi moraki mua. I nā hua'ōlelo'ē aʻe, e hoʻoiliʻia kahi hōʻai'ē pono i ka lua aʻekolu paha o ke kūlana. ʻAʻole hiki i nā hoa borrowa ke loaʻa kahi uku kālā home i nā 50'āina a pau.
- ʻO ka Loan Lokomaikaʻiʻo Loan Loke
Hoʻopiliʻia nā loans pana e ka poʻe kūʻai e kūʻai i hale hou ma mua o ka kūʻaiʻana i kahi hale e noho nei akā e pono ana ka kālā mai ka home e noho nei. Eʻikeʻoe i nā lawaiʻa alahaka i hoʻohana pinepineʻia ma nā māke kūʻai o ka mea kūʻai aku ma mua o nā kālepa o ka mea kūʻai.
I ka manawa e kākau ai,ʻo Elizabeth Weintraub, CalBRE # 00697006, he mea kūʻai aku ma ka Lyon Real Estate ma Sacramento, Kaleponi.