Wehe i ka Home Equity me nā hōʻaiʻē hope ʻelua

Hāʻawi ka homeownership ma mua o kahi e noho ai - he waiwai kālā ia e hiki ke wehe i nā manawa ma o ke kālā kaulike. ʻO kahi mea hana ikaika no ka paʻi ʻana i kēia waiwai he Closed-Endhōʻaiʻē lua(CES), i ʻōlelo pinepine ʻia ma ke ʻano he Home Equity Loan a i ʻole Second Mortgage. ʻO kēia ʻano hōʻaiʻē e hiki ai i nā mea hale ke hōʻaiʻē i kahi huina kālā e kūʻē i ke kaulike o ko lākou home, e hāʻawi ana i ka maʻalahi no nā pahuhopu e like me ke kālā hoʻomaikaʻi home a i ʻole ka hoʻohui ʻana i nā aie. Ma kēia ʻatikala, e ʻimi mākou i ka hana ʻana o kahi CES a me ke kumu he koho nui ia no nā mea he nui.

ʻO kahi hōʻaiʻē Paʻa-Hoʻopau ʻelua kahi hōʻaiʻē paʻa e hāʻawi kālā i mua, i uku ʻia ma kahi manawa i hoʻonohonoho ʻia, maʻamau 5 a 30 mau makahiki. ʻAʻole like me ka laina o ka hōʻaiʻē, ʻaʻole ʻae ka CES i ka hōʻaiʻē hou ʻana i ka wā i loaʻa kālā ai ka hōʻaiʻē, e kūpono ana ia no nā lilo hoʻokahi manawa. No ka laʻana, inā e hoʻolālā ana ʻoe i ka hoʻoponopono hou ʻana o ka lumi kuke nui, hiki i ke kālā hoʻomaikaʻi home ma o ka CES ke uhi i nā kumukūʻai me ka ʻole e hoʻopilikia i kāu.Papahanamoraki. Pēlā nō, hiki i kahi hōʻaiʻē hoʻohui ʻaiʻē me ka CES ke hoʻohui i nā koena kāleka hōʻaiʻē kiʻekiʻe i hoʻokahi uku haʻahaʻa haʻahaʻa, e mālama ana i nā tausani i ka manawa.

No ka loaʻa ʻana i kahi hōʻaiʻē Home Equity, koi pinepine nā mea hāʻawi i ka hōʻoia ʻana i nā palapala piha, me nā ʻōlelo kālā, nā ʻauhau ʻauhau, a me ka helu ʻaiʻē ma mua o 620. ʻO kēia maʻalahi hiki ke loaʻa i ke kālā kaulike i kahi ākea ākea o nā mea hale. Nānā pū nā mea hāʻawi kālā i ka ratio loan-to-value (LTV) o kou home, maʻamau e hoʻopaʻa i ka hōʻaiʻē ma 80-90% o ke kaulike i loaʻa.

ʻO kekahi ʻano ʻokoʻa o CES ka CES kū hoʻokahi, e hana kūʻokoʻa ana i kāu moraki mua. ʻAʻole e like me kahi hōʻaiʻē piggyback-hoʻohana pinepine ʻia e pale i ka ʻinikua moraki pilikino (PMI) ma ka hoʻokaʻawale ʻana i ke kālā ma ke kūʻai ʻana-ua lawe ʻia kahi CES kū hoʻokahi ma hope, hāʻawi kālā no nā pono kikoʻī. No ka laʻana, hiki i ka mea hale ke hoʻohana i kahi moraki ʻelua e hoʻolilo i ke kula haʻahaʻa o ke keiki, me ka hoʻohana ʻana i ke kaulike me ka ʻole e hoʻihoʻi i kā lākou hōʻaiʻē haʻahaʻa haʻahaʻa.

ʻO nā pōmaikaʻi o kahi hōʻaiʻē Closed-End Second Loaʻa maopopo: nā uku wānana, nā uku hoʻokūkū i hoʻohālikelike ʻia me nā kāleka hōʻaiʻē, a me ka hiki ke hoʻolilo i kou home a i ʻole kālā e hiki mai ana. Eia nō naʻe, ʻo ka hōʻaiʻē ʻana i kou home he mau pilikia, no ka mea, hiki i ka hoʻopaʻa ʻana ke alakaʻi i ka paʻa. Ma mua o ka noi ʻana, e helu i kāu kaulike ma ka unuhi ʻana i kāu koena moraki mai ka waiwai o kou home i kēia manawa a e hōʻoia i ke kūlike o ka hōʻaiʻē me kāu kālā.

I ka hōʻuluʻulu manaʻo, hāʻawi kahi CES i kahi ala i hoʻonohonoho ʻia e komo ai i ke kālā kaulike no ka hoʻomaikaʻi ʻana i ka home, ka hoʻohui ʻana i ka aie, a i ʻole nā ​​pahuhopu ʻē aʻe. Inā ʻoe e koho i ka palapala holoʻokoʻa a i ʻole nā ​​​​kauka palapala ʻē aʻe, hiki i kēia Mortgage ʻelua ke lilo i mea hoʻololi pāʻani ke hoʻohana naʻauao. Hoʻohālikelike mau i nā mea hāʻawi kālā e hoʻopaʻa i nā huaʻōlelo maikaʻi loa a pale i ka waiwai o kou home.