He aha ka wehewehe ʻana o ka haʻawina ʻaoʻao hoihoi?
ʻO ka hāʻawi ʻana i ka ʻaoʻao hoihoi (IPC) e pili ana i kahi uku e kekahi ʻaoʻao hoihoi, a i ʻole hui pū ʻana o nā ʻaoʻao, e pili ana i nā uku kumu o ka mea ʻaiʻē, nā koina pani ʻē aʻe a me nā wahi hoʻemi.ʻO nā haʻawina a ka poʻe hoihoi, ʻo ia nā kumukūʻai i maʻamau i ke kuleana o ka mea kūʻai aku i ka waiwai i uku pololei ʻia a i ʻole ʻole e kekahi mea ʻē aʻe i loaʻa ke kuleana kālā, a i ʻole hiki ke hoʻololi i nā ʻōlelo a me ke kūʻai ʻana a hoʻoili ʻana paha i ka waiwai kumuhana.
ʻO wai ka mea i manaʻo ʻia he ʻaoʻao hoihoi?
Ka mea kuai waiwai;ʻO ka mea kūkulu / haku;ʻO ka mea kūʻai waiwai a mea kūʻai kālā paha;ʻO kahi hui e hiki ke pōmaikaʻi mai ke kūʻai ʻana i ka waiwai ma ke kumu kūʻai kiʻekiʻe.
ʻAʻole manaʻo ʻia ka mea hāʻawi kālā a mea hana paha o ka mea kūʻai aku he ʻaoʻao hoihoi i ke kālepa ke ʻole lākou e hana pū ana ma ke ʻano he mea kūʻai aku a i ʻole kekahi mea hoihoi.
He aha nā palena o ka hāʻawi kālā a ka poʻe hoihoi?
ʻO nā IPC i ʻoi aku ma mua o kēia mau palena i manaʻo ʻia he ʻae kūʻai.Pono e hoʻololi ʻia ke kumukūʻai kūʻai o ka waiwai i lalo no ka hōʻike ʻana i ka nui o ka hāʻawi i ʻoi aku ma mua o ka palena kiʻekiʻe, a pono e helu hou ʻia ka nui o nā lakio LTV/CLTV me ka hoʻohana ʻana i ke kumu kūʻai i hōʻemi ʻia a i ʻole ka waiwai i koho ʻia.
| ʻAno Noho | LTV/CLTV Ratio | IPC kiʻekiʻe |
| Noho kumu a hale lua paha | ʻoi aku ma mua o 90% | 3% |
| 75.01% – 90% | 6% | |
| 75% a emi mai paha | 9% | |
| Waiwai waiwai | Nā lakio CLTV a pau | 2% |
O kahi laʻana
ʻO kahi kūʻai he $250,000 me kahi hōʻaiʻē $150,000 e lilo i Loan to Value Ratio (LTV) o 60%.
Ma 60% ka IPC kiʻekiʻe loa he 9% o ke kumukūʻai kūʻai, $22,500, a i ʻole nā koina pani, ʻo ia ka mea i emi iho.
Inā he $25,000 ka IPC, mai ka mea kūʻai aku a i ʻole Realtor, ʻoi aku ka nui o ka hōʻaiʻē ma mua o nā palena IPC.No laila, ʻo ka ʻoi aku o $2,500 he ʻae kūʻai.E noʻonoʻo ʻia ke kumukūʻai kūʻai he $247,500 ($250,000-$2,500) a ʻo ka LTV ka hopena he 60.61%.Hiki i kēia hoʻololi i ka LTV ke hoʻopili i nā huaʻōlelo hōʻaiʻē i kekahi mau hihia, akā ʻaʻole pono ʻoe e kūʻai i ka ʻinikua moraki.
Ka manawa hoʻouna: Jan-21-2022