Nuhou moraki

Ua piʻi aʻe nā kumukūʻai moraki mai ka wā i hoʻomaka ai ka Federal Reserve e noʻonoʻo i ka piʻi ʻana o ka uku ma ka hoʻomaka ʻana o ka makahiki, e lele ana i ko lākou kiʻekiʻe kiʻekiʻe ma kahi o ʻekolu mau makahiki ma mua o ka hoʻolaha ʻana o ka piʻi ʻana.

Ma ka Poaha, ua hoʻokuʻu ʻo Freddie Mac i kāna moraki 30 makahiki hou loa ma 4.67%, kahi kiʻekiʻe hou mai Dekemaba 2018.

I ka hoʻomaka ʻana o kēia makahiki, ua hoʻomau ʻia kēia helu ma 3.22%.ʻO ia hoʻi, ua piʻi aʻe nā kumukūʻai moraki i 145 mau kumu kumu i ka hapaha a ua hiki i kahi kokoke i 5% no ka manawa mua i nā makahiki ʻehā i hala iho nei.

I kēia manawa, ua hoʻokiʻekiʻe maoli ka Federal Reserve i ka uku paneʻe i hoʻokahi wale nō, ʻo ia ka mea e like me ʻeono mau manawa o ka piʻi ʻana o ka uku paneʻe i helu ʻia ma kahi kumu 25 kumu hoʻokahi.

Hoʻopilikia ʻia e ka piʻi kālā kiʻekiʻe, hoʻolālā ka Fed e hoʻonui i nā kumukūʻai i kēlā me kēia hālāwai i kēia makahiki, ʻoiai ke ala koʻikoʻi o ka piʻi ʻana o ka uku a me ka piʻi ʻana o nā uku hōʻaiʻē kokoke i nā hoa.

I mua o ka pi'i 'ana o ka moraki e ho'omau 'ia ana, hiki i ka nui o 'oukou e noi nei no ka moraki ke ho'omaka e kali a i 'ole e mana'o e lawe i ka hili a hiki i ka wā e pa'i ai ka uku pane'e i ka helu ha'aha'a cyclical.

ʻO ka ʻoiaʻiʻo, ʻoiai ua emi iho ka nui o nā noi moraki i ka 60% i hoʻohālikelike ʻia i hoʻokahi makahiki i hala, e like me ka Mortgage Bankers Association.

E like me ka hahai ʻana o nā panakō nui i ke ʻano o ka piʻi ʻana o nā kumukūʻai, ʻo ka nui o nā huahana hōʻaiʻē mai AAA Lendings e hoʻōki i ka nānā ʻana a lawe i ka plunge.

Ke piʻi aʻe nei nā noi hōʻaiʻē i ka wā e pale ana ka uku paneʻe

Ma ka mākeke kahi e hoʻomau ai ka piʻi ʻana o nā panakō nui ma kahi kokoke i 2 mau lā, ʻo ka R100 series o nā huahana hōʻaiʻē i ʻai ʻia e AAA Lendings ʻaʻole i hahai i ka nalu o ka piʻi ʻana o ka uku paneʻe akā ua hoʻopiʻi ʻo ia i ke ʻano me ka uku uku haʻahaʻa.

E like me kēia lā, e mau ana ka uku panee o AAA Lendings ma kahi haʻahaʻa o 4.250%.Wahi a AAA Lendings 'statistics, ua piʻi nui ka nui o nā noi no nā huahana R-100 i kēia makahiki.

E noʻonoʻo paha ʻoe "ka mea i kupono e noiR100 huahana?

Paahana

ʻO ʻoe pahar poe hoaiehe kamaaina ʻAmelika, e paʻa ana i kahi kāleka ʻōmaʻomaʻo a i ʻole kāleka hana, a i ʻolelāhui haole, hiki iā ʻoe ke koho i ka huahana WVOE.Eia kekahi mau pono:

n ʻAʻole pono ka waihona uku/W-2/hoʻihoʻi ʻauhau.

n Hāʻawi ʻia nā kālā makana.

n Ua ʻae ʻia ka lāhui ʻē.

n 12 mahina mālama ʻia i helu ʻia ma PI (ʻAʻole pono ʻo PITIA i kahi mea hāʻawi ʻē aʻe).

n Ka nui o ka aie a hiki i $2.5M.

n Uku haahaa e like me ka 30%.

n Min FICO 680.

Self-employed

ʻO ʻoe pahar poe hoaiehe kamaaina ʻAmelika, e paʻa ana i kahi kāleka ʻōmaʻomaʻo a i ʻole kāleka ID, a i ʻole he haolelahui, hiki iā ʻoe ke koho i ka huahana Self Prepared P & L:

n ʻAʻohe pūlima CPA pono.

n Ua ʻae ʻia ka lāhui ʻē.

n Ka nui o ka aie a hiki i $10M.

n 12 mahina mālama ʻia i helu ʻia ma PI (ʻAʻole pono ʻo PITIA i kahi mea hāʻawi ʻē aʻe).

n ʻAʻole pono ka hoʻihoʻi ʻauhau a ʻae ʻia ke kālā makana.

n Uku haahaa e like me ka 30%.

n Min FICO 680.

Me he mea lā ʻaʻole e pau ke ʻano o ka piʻi ʻana o ka uku paneʻe no ka manawa a ʻo ka haʻahaʻa haʻahaʻa o ka moʻo R100 he "manawa-kaupalena”.Mai poina i ka manawa maikaʻi loa e komo ai me AAA Lendings!