Pehea ka nui o kou home e loaʻa ana iāʻoe?
E kiʻi hou i kekahi ala'ē aʻe; ʻike ka lakene LTV iāʻoe i ka nui o kahi waiwai āu i kūʻai pono ai i ka hoʻohālikelikeʻana i kāu pono. Hoʻohanaʻia ka lakio no nāʻano loina he nui, e like me nā hoʻoili home a me nā kaʻa (nā kūʻaiʻelua a me nā refinances).
Pehea e helu ai
No ka hoʻoheluʻana i kahi ratio LTV, e hoʻokaʻawale i ka nui o kahi hōʻai'ē i ka nui o ka waiwai o ka waiwai e mālama nei i ka loina.
Kaʻana: Makemakeʻoe e kūʻai i kahi home $ 100,000. Loaʻa iāʻoe $ 20,000 no ka ukuʻana , no laila, ponoʻoe e hōʻai'ē i $ 80,000.
ʻO ka hapa o kāu LTV he 80 pakeneka no ka mea,ʻo ke kālā o ka loina he 80 pakeneka o ka waiwai o ka hale. $ 80,000 i puʻunaueʻia e $ 100,000 like 0.80 (ʻo ia ka like me 80 pakeneka - eʻike i ka piliʻana o ka decimals a me nā hoʻoeneene ).
E helu i ka ratio LTV ma o ka hoʻokaʻawaleʻana i ka helu kālā i loko o ka waiwai waiwai: 80,000 / 100,000 = 0.8.
ʻO kahi maʻalahi hiki ke helu i ka LTVʻo ia e hoʻohana i ka helu helu o kāu polokalamu a huli iā Google ma ka hoʻohanaʻana i ka slash ("/") no ka mahele.
Eia kekahi laʻana, "e huli" i ka loulou no ka pane: 80,000 / 100,000, aiʻole hiki iāʻoe ke pena i kēlā me kēia pahu hulina (me Bing a me Yahoo).
No ke aha he mea nui
ʻO ka lālā LTV e kōkua ana i nā mea kālā e hōʻoia i ka pilikia:ʻO ka nui o ka hāʻawiʻana,ʻo ka nui aʻe o ka pilikia. ʻO ka meaʻoi aku ka hopena no ka mea hāʻawi aku:
- He paʻakikī ke hōʻoiaʻia no nā loina.
- Loaʻa paha iāʻoe ke uku aku (me ka ukuʻoi aku ka nui ).
- Hiki iāʻoe ke uku i nā kumukūʻai hou, e like me ka hoʻoili hoʻolimalima.
Ināʻoe e helu i ka LV, hiki iāʻoe ke hana me kahi loina i hoʻopaʻaʻia e kekahiʻano palekana . Eia kekahi laʻana, inā hōʻai'ēʻoe i ke kālā e kūʻai mai i kahi home, e mālamaʻia ka hōʻai'ē ma kahi laikini ma ka hale . Hiki i ka mea nāna e hoʻolimalima ke lawe i ka hale a kūʻai aku iā ia ma ka hana paʻaʻana ināʻaʻoleʻoe e uku i ka hōʻai'ē. Hiki keʻano no nā loans'ūpili - hiki ke hoʻokuʻuʻia kāu kaʻa inā paʻaʻoe i ka ukuʻana.
ʻAʻole makemake nui nā mea kūʻai i kāu waiwai - makemake lākou e hoʻi koke i kā lākou kālā. Inā lākou e hāʻawi kālā wale aku i 80% (aiʻole ka liʻiliʻi) o ka waiwai o ka waiwai, hiki iā lākou ke kūʻai aku i ka waiwai ma lalo o ke kālā nui e hoʻihoʻi i kā lākou kālā. ʻOi aku ka maʻalahi ma mua o ka hoʻopaʻaʻana i kahi mōhai nui.
Pēlā,ʻo nā mea a pau āu i kūʻai ai ua lilo ka waiwai mai ka wā i kūʻai mai aiʻoe, no laila hāʻawi kālā ka 100% aʻoi aku paha i nā mea kālā.
I ka hopena, inā ua waihoʻoe i kāu mau kālā pono'ī i ke kūʻai, eʻoi aku ana pahaʻoe i ka waiwai a mālama i ka uku. Loaʻaʻoe i kaʻili ma ka pāʻani, no lailaʻaʻoleʻoe e hele i waho a koe ke koho.
Nā Paikino LTV
He aha ka lālā maikaʻi LTV e hiki ke kōkua iāʻoe e'āponoʻia no kahi hōʻai'ē?
Loaʻa ia i ka makemake o ka mea nāna i hāʻawi a me keʻano o ka hōʻai'ē. E loaʻa iāʻoe ka meaʻoi aku kaʻoi aku kaʻoi aku kaʻoi aku o ka maikaʻi i hoʻoiliʻia (aiʻole ka liʻiliʻi o ka lakV lalo ).
Me nā kālā kālā home, 80 pakeneka ka helu kānalua. Ināʻoe e hōʻai'ē ma kahi o 80 pakeneka o ka waiwai o ka home, pono iāʻoe ke loaʻa i kahi leka uila loiloi (PMI) no ka paleʻana i kāu mea uku. He uku hoʻonui kēia, akā hiki iāʻoe ke hoʻopau i ka hoʻokele i ka wā o lalo o 80% LTV. ʻO kekahi helu nui loa he 97 pakeneka. ʻO kekahi poʻe hāʻawi kālā eʻae iāʻoe e kūʻai me ka 3 pakeneka lalo ( FHA loans e koi aku he 3.5 pakeneka) - akāʻoe e uku i ka hoʻokele loea, hiki paha i ke ola o kāu loan.
Me nā loans kaʻa, e piʻi pinepine nā lakio o ka LV, akā hiki i nā mea hāʻawi kālā ke hoʻonoho i nā palena (aiʻole nā maximum) a hoʻololi i kāu lohi e pili ana i ka kiʻekiʻe o kāu ratio LTV. I kekahi mau hihia, hiki iāʻoe ke noi aku ma mua o 100% LTV.
Ma lalo o ka wai: I ka nui o ka lakene LTV ma mua o 100 pakeneka,ʻoi aku ka nui o ka hōʻai'ē ma mua o ka waiwai o ka waiwai e mālama nei i ka hōʻai'ē (a iʻoleʻoe i ke kūlikeʻole). ʻAʻole ia he maikaʻi maikaʻi loa no ka mea, ponoʻoe e kākau i kahi leka (a uku paha) e kūʻai aku i ka waiwai -ʻaʻoleʻoe e loaʻa ke kālā mai loko aʻe o kaʻaelike. Ma hope o ka hāʻuleʻana o nā kumukūʻai o ka home i loko o ka pilikia o ka moemoeki ,ʻo nā pānaʻi home ma lalo o ka pilikia nui. ʻO nā loans hāmele wai hohonu he hopena wale nō ia. Ināʻoe e noiʻai me ka waiwai o ka LTV nui, eʻike pono he kumu maikaʻi no ka laweʻana i ka pilikia.
E hoʻomanaʻo:ʻAʻole pono kāu kaulike e like me ke kālā āu i lawe mai ai i kaʻaelike. Inā loaʻa iāʻoe ka waiwai (aiʻole kekahi'āpana o kahi waiwai), hiki ke hoʻohanaʻia kou kuleana pono'ī e like me ke kaulike, a hiki ke loli ke kumukūʻai o ia ukiuki i ka manawa. Eia kekahi laʻana, i ke noiʻana i kāu home me ka uku kālā home , ke hoʻohana neiʻoe i ka waiwai o kou home a me ka hoʻoikaikaʻana i kāu lakene pili iāʻoe inā loaʻa kāu kālā. Inā loaʻa ka waiwai o kou home no ka piʻiʻana o nā hale hale, e emi iho kou LTV (ʻoiai e pono anaʻoe i kahi hoʻolima e ho'āʻo ai). Pēlā, ināʻoe e noi kālā nei e kūkulu i kahi hale hou, hiki iāʻoe ke hoʻohana i ka'āina āu e kūkulu nei ma keʻano he kūpono no ka hōʻai'ē hana.
Pikikikona nui
Pono nui nā ratios LTV. Akā, lilo lākou i kekahi o ke kiʻi nui,ʻo ia hoʻi:
- ʻO kāu mau'ai'ē'ai'ē (me ka maikaʻi maikaʻi,ʻoi aku ka maʻalahi o nā loans LTV kiʻekiʻe)
- Loaʻa kāu kālā i ka mālamaʻana i nā mahina
- ʻO ka waiwai āu e kūʻai nei (He hale ia i keʻano maikaʻi a iʻole he wahi mulimalima? He moku hou a hoʻohana paha?
Ma waho aʻe o kāu hōʻai'ē,ʻo kekahi o nā mea nui loa no ka poʻe kālā'ai'ē kāu'ai'ē i ka lakene kālā. ʻO ia ke ala wikiwiki no lākou e noʻonoʻo ai i keʻano o ka hoʻolimalimaʻana i kahi hōʻai'ē hou - hiki anei iāʻoe ke hōʻoluʻolu e lawe i kēlā mau uku kālā'ē aʻe, a iʻoleʻoe e komo i luna o kou poʻo?