Hua'ōlelo: FHA;Loaʻa haʻahaʻa;Kuʻuna;Hoaie Moraki.
FHA vs Nā ʻano hōʻaiʻē maʻamau: ʻO wai ka mea kūpono iaʻu?
Hiki i ka hōʻaiʻē FHA ke loaʻa nā helu ʻaiʻē haʻahaʻa a hiki ke maʻalahi ke kūpono ma mua o kahi hōʻaiʻē maʻamau.Eia nō naʻe, ʻaʻole pono nā hōʻaiʻē kuʻuna i ka ʻinikua moraki me ka uku nui.ʻO ka pōmaikaʻi o FHA vs maʻamau a hiki i nā pono pilikino o ka mea ʻaiʻē.
E nānā kāua i nā ʻano moraki ʻelua e kōkua iā ʻoe e hoʻoholo i ka mea kūpono iā ʻoe.
Ka Papa Hoʻohālikelike FHA vs
|
| ʻAiʻai maʻamau 97 | hōʻaiʻē FHA |
| Uku emi haahaa | 3% | 3.50% |
| Ka helu ʻaiʻē liʻiliʻi | 620 | 580 |
| Ka palena hōʻaiʻē no 2021 (ma ka hapa nui o nā wahi) | $548,250 | $356,362 |
| palena loaʻa | ʻAʻohe palena kālā | ʻAʻohe palena kālā |
| Hāʻawi haʻahaʻa haʻahaʻa loa | 0% (ʻO ka uku haʻahaʻa a me nā koina pani hiki ke lilo i 100% kālā makana, hāʻawi, a hōʻaiʻē paha) | 0% (ʻO ka uku haʻahaʻa a me nā koina pani hiki ke lilo i 100% kālā makana, hāʻawi, a hōʻaiʻē paha) |
| Inikua moraki | Pono nā uku o kēlā me kēia mahina inā loaʻa iā ʻoe ka uku haʻahaʻa ma lalo o 20%, akā ma ka maʻamau, hoʻopau ke kaʻa ʻinikua i ka wā e hiki ai kāu hōʻaiʻē i ka waiwai i ka 78%. | Pono nā uku mua a me nā mahina, no ka lōʻihi o ka manawa moraki. |
FHA kū'ē i nā hō'ai'ē ma'amau: nā 'oko'a nui
Pono nā hōʻaiʻē FHA i ka ʻinikua moraki me ka nānā ʻole i ka nui o ka uku hoʻohaʻahaʻa, ke hoʻohālikelike ʻia me nā hōʻaiʻē maʻamau kahi āu e makemake ai i ka ʻinikua moraki no nā uku haʻahaʻa ma lalo o 20%.E like ana nā uku ʻinikua moraki FHA me ka nānā ʻole i kāu helu ʻaiʻē.
Nā hōʻaiʻē FHA
Ua ʻae ʻia nā helu ʻaiʻē haʻahaʻa
Nā kūlana waiwai ʻoi aku ka paʻakikī
Pono ka uku mua
Pono ʻia ʻo Private Mortgage Insurance (PMI) no nā uku haʻahaʻa ma lalo o 20%
Nā hōʻaiʻē maʻamau
Pono ka helu ʻaiʻē kiʻekiʻe (ma kahi o 620)
ʻAe ʻia nā uku hoʻohaʻahaʻa liʻiliʻi
Pono ʻia ʻo Private Mortgage Insurance (PMI) no nā uku haʻahaʻa ma lalo o 20%
ʻOi aku nā kūlana waiwai kūʻokoʻa
Inā he mea kūʻai hale mua ʻoe a i ʻole e ʻimi nei e hoʻihoʻi kālā, e nīnau paha ʻoe iā ʻoe iho i kēia mau nīnau.Pono nā kūlana like ʻole i nā ʻano hōʻaiʻē like ʻole.Ma kēia ʻatikala, e nānā mākou i ka FHA a me nā hōʻaiʻē Kūʻai.Ke hoʻohana nei i nā laʻana, e hāʻawi kēia ʻatikala iā ʻoe i kahi ʻike maikaʻi aʻe o kēia mau ʻano hōʻaiʻē ʻelua, kā lākou mau pōmaikaʻi a me kā lākou drawbacks.
Ka manawa hoʻouna: Jan-20-2022