Hoʻokiʻekiʻe ka FHFA i nā pāpale ma nā moraki maʻamau, he aha ke ʻano o kēia no nā mea kūʻai hale?
12/12/2022
Ma ka lā 29 o Nowemapa, ua hoʻolaha ka Federal Housing Finance Agency (FHFA) i ka hōʻano hou ʻana i ka Conforming Loan Limits no nā moraki maʻamau no 2023.
Hoʻohana koke ʻia nā palena moraki maʻamau 2023 a pili kēia mau ʻōlelo.
E hoʻonui ʻia nā palena hōʻaiʻē maʻamau mai $ 647,200 i 2022 a i $ 726,200 ma ka hapa nui o nā wahi o ka US, he piʻi ma kahi o 12 pakeneka;e hoʻonui pū ʻia nā palena ma nā wahi kumu kūʻai kiʻekiʻe, mai $970,800 a i $1,089,300.*No 1 Unite home
Puna kiʻi: CBS NEWS
ʻO kēia ka manawa mua ma ka mōʻaukala i hoʻomaka ai ke aupuni federal US e kākoʻo i nā hōʻaiʻē home ma luna o $ 1 miliona, he hōʻailona koʻikoʻi loa ia!He mea nui no nā mea kūʻai hale a pau.
No laila he aha ka Conforming Loan Limit (CLL)?
He aha ka palena hōʻaiʻē maʻamau?
No ka hoʻomaopopo ʻana i ka palena o ka hōʻaiʻē maʻamau, pono mākou e hoʻomaopopo mua i ke ʻano o ka hōʻaiʻē maʻamau (Conforming Loan).
ʻO ka hōʻaiʻē conforming ka ʻano hōʻaiʻē maʻamau i ka mākeke US i kēia lā, a ʻo ka hapa nui o nā mea kūʻai aku e noi no kēia ʻano hōʻaiʻē.
ʻO kēia mau hōʻaiʻē maʻamau ka liʻiliʻi ma ke ʻano o ka mea kūʻai aku a he kōkua wale ke aupuni no nā mea kūʻai aku me nā kumukūʻai kūʻai haʻahaʻa, e ʻae ana i nā mea kūʻai aku me nā helu ʻaiʻē haʻahaʻa a hoʻohaʻahaʻa i nā uku e kūʻai i home.
Ma ke kānāwai, ʻae ʻia ka Conforming Loans ma lalo o nā lula o Fannie Mae a me Freddie Mac.
E hāʻawi nā hui ʻelua i nā hōʻaiʻē e like me ka Mortgage-backed securities (MBS) a kūʻai aku iā lākou i nā mea hoʻopukapuka ma ka mākeke ākea.
Ma muli o ke kiʻekiʻe o ke kālā a me ke kākoʻo o ke aupuni, ʻoi aku ka haʻahaʻa o ka uku paneʻe o nā hōʻaiʻē kūlike ma mua o nā hōʻaiʻē Non-conforming a ʻaʻole koʻikoʻi ka ʻae ʻana, akā i ka manawa like ka nui o ka hōʻaiʻē āu e loaʻa ai no kēia ʻano hōʻaiʻē. mai nui loa.
No laila, ʻo ka hōʻaiʻē Conforming he moraki e kū ana i ka nui o ka hōʻaiʻē i hoʻonohonoho ʻia e Fannie Mae a me Freddie Mac, a hiki iā Fannie Mae a me Freddie Mac ke kūʻai aku i nā moraki ma lalo o kēlā palena hōʻaiʻē.
ʻO nā palena, ua hoʻonohonoho ʻia e ka Federal Housing Finance Agency (FHFA).
Pehea e kau ʻia ai nā palena no nā hōʻaiʻē maʻamau?
Ma muli o ka mahalo ʻana o ka home i ka nui o ka manawa, ʻo ka Housing and Economic Recovery Act (HERA), i hoʻoholo ʻia e ke aupuni US i ka makahiki 2008, hāʻawi i nā hoʻololi makahiki i nā palena hōʻaiʻē maʻamau a hoʻokumu i kahi ʻano paʻa no nā palena hōʻaiʻē e helu i nā loli i nā kumukūʻai home. ma ʻAmelika Hui Pū ʻIa.
Hoʻonohonoho ʻia ka palena e ka Federal Housing Finance Agency (FHFA), e nānā ana i ka pākēneka o ka hoʻololi ʻana i nā kumukūʻai home maʻamau mai ka makahiki i hala i hōʻike ʻia e ka Federal Housing Finance Board (FHFB) i ʻOkakopa o kēlā me kēia makahiki e hoʻoponopono i ka palena hōʻaiʻē maʻamau. i hoolahaia ma ka mahina o Novemaba e hiki mai ana.
Hōʻike ka pakuhi ma lalo nei i ka hoʻololi ʻana i nā palena Conforming Loan mai 1980 a i 2023, pili i ka hapa nui o ʻAmelika Hui Pū ʻIa.
Kiʻi kiʻi: TheMortgageReports.com
Mai ka hoʻomaka ʻana o 2020, ua ʻike ʻia ka palena o ka hōʻaiʻē maʻamau 2023 i ka hoʻonui nui ʻana no ka mea ua piʻi ka noi no nā hale noho ma muli o ka hoʻopaʻa ʻana i nā kumukūʻai haʻahaʻa haʻahaʻa a me ke ʻano o ka hana ʻana mai ka home, a ua hoʻonui ʻia nā kumukūʻai kūʻai hale ma US kokoke 40%.
ʻOiai ua hoʻonohonoho ʻo FHFA i ka palena kumu no nā palena hōʻaiʻē maʻamau, loaʻa i kēlā me kēia kalana kona mau palena hōʻaiʻē maʻamau.
ʻO kēia no ka mea ma kekahi mau wahi i ʻoi aku ka nui o nā kumukūʻai home ma mua o ka awelika aupuni, e like me New York City, Seattle, a me Kapalakiko, ua hōʻea ka median home home i ka 115% a ʻoi aku paha o ka palena hōʻaiʻē maʻamau.
Ma kēia mau wahi, ʻae ʻo FHFA i nā kālā kiʻekiʻe e hōʻaiʻē ʻia no nā hōʻaiʻē maʻamau (Super Conforming Loans), ʻike ʻia ʻo High Balance Loans.
No nā hōʻaiʻē kiʻekiʻe, koi hou ka HERA i ka hōʻaiʻē kiʻekiʻe ʻaʻole ma mua o 150% o ka palena Conforming Loan.
Ke hoʻohana nei i ʻehā mau wahi kumu kūʻai kiʻekiʻe i koho ʻia e like me nā laʻana o Alaska, Hawaii, Guam, a me ka US Virgin Islands.ʻO ka palena o ka hōʻaiʻē kiʻekiʻe o ka makahiki 2023 he 150% o ka palena hōʻaiʻē Kuʻuna, a i ʻole $1,089,300.($726,200*150%=$1,089,300)
Pehea e pili ai kēia i ka poʻe kūʻai hale?
ʻO nā palena hōʻaiʻē maʻamau kiʻekiʻe, ʻo ia ka mea hiki i ka poʻe kūʻai hale ke hoʻokō maʻalahi i nā koi o ka hōʻaiʻē maʻamau, a ʻo nā hōʻaiʻē maʻamau i kūpono i nā palena he mau APR haʻahaʻa a haʻahaʻa nā uku o kēlā me kēia mahina no nā mea hōʻaiʻē.
ʻO nā hōʻaiʻē i ʻoi aku ma mua o nā palena o ka hōʻaiʻē maʻamau i kapa ʻia ʻo Jumbo Loans, ʻoi aku ka nui o ka uku panee ma mua o ka Conforming Loans.
Akā me ka piʻi ʻana o ʻeono kiʻekiʻe o ka Fed i ka makahiki, ua piʻi nui ka uku paneʻe ma nā hōʻaiʻē maʻamau.Wahi a nā ʻikepili hou loa mai Freddie Mac, ʻo ka awelika o ka uku paneʻe ma kahi moraki paʻa 30 makahiki he 6.49%, pāpālua i ka hoʻomaka ʻana o ka makahiki!
Kiʻi kiʻi: Freddie Mac
Akā i kēia manawa ke hāʻawi nei ʻo AAA LENDINGS i kahi huahana Jumbo Loan me ka uku uku haʻahaʻa5.250%!
Ma kahi o kēia, hiki iā ʻoe ke noi i kēia ʻano hōʻaiʻē inā lōʻihi ka nui o ka hōʻaiʻē ma luna o ka Conforming Loan Limit.
ʻAʻole ʻike pinepine ʻia kēlā ʻano uku uku haʻahaʻa ma ka mākeke.No laila, inā kūpono ʻoe, e hoʻopili mua!
ʻŌlelo: Ua hoʻoponopono ʻia kēia ʻatikala e AAA LENDINGS;Ua lawe ʻia kekahi o nā kiʻi mai ka Pūnaewele, ʻaʻole i hōʻike ʻia ke kūlana o ka pūnaewele a ʻaʻole hiki ke paʻi hou ʻia me ka ʻole o ka ʻae ʻia.Aia nā pilikia ma ka mākeke a pono e makaʻala ke kālā.ʻAʻole kēia ʻatikala i ka ʻōlelo aʻoaʻo pilikino pilikino, ʻaʻole hoʻi e noʻonoʻo i nā pahuhopu waiwai kikoʻī, kūlana kālā a i ʻole pono o nā mea hoʻohana pākahi.Pono nā mea hoʻohana e noʻonoʻo inā kūpono nā manaʻo, nā manaʻo a i ʻole nā manaʻo i loko o kēia i ko lākou kūlana.E hoʻolilo e like me kou pilikia.
Ka manawa hoʻouna: Apr-24-2023