ʻO ka hoʻolimalima kālā
Ma ka liʻiliʻi, e komo ana nā ʻoihana nui o ka honua i ka mākeke molaki ma nā ʻāina kahi i mālama ʻia ai nā panakō liʻiliʻi. ʻO kekahi o nā huahana maikaʻi loa o kēia panakō kūwaho e refinancing (hoʻolimalima hou i ka ʻōlelo Pelekania) o nā hōʻaiʻē; E ʻike kākou i kā lākou e ʻimi nei a he aha nā mea maikaʻi ma laila.
1. ʻImi lākou e hoʻomaʻemaʻe i ka waihona mea kūʻai aku
Hana pinepine kēia no ka mea inā loaʻa i kahi panakō kahi waihona hōʻaiʻē, lawe ʻo ia "e like me", ʻo ia hoʻi ke ʻano paʻakikī nei kekahi o nā hōʻaiʻē a i ʻole he collateral a ka panakō āpau e manaʻo ai i ka makaʻu nui. No laila ke hāʻawi nei i ka refinancing kahi hoʻolālā e hoʻomaʻemaʻe i ka waihona o ka mea kūʻai aku, hōʻano hou i ka ʻikepili (kahi i ʻole o nā ʻāina ʻoi loa nā chaos) a e hoʻonui pū i ka waiwai o nā mea kūʻai aku i nā huahana ʻē aʻe i hāʻawi ʻia e ka panakō.
2. ʻO ke kaulike kaulike kaulike i nā kālā kūwaho.
He pahi kaua oi lua kēia, akā ke pōmaikaʻi ia i ka mea hōʻaiʻē, nāna e loaʻa nā uku paneʻe kiʻekiʻe no ka mea ua helu ʻia lākou i ke kālā kūloko a kiʻekiʻe loa ma muli o ka maopopo ʻole o ka hoʻohaʻahaʻa. E like me ka refinanced ma ka uku paneʻe me ke kālā paʻa, ʻo ia ka Dollar a ʻo Euro paha, maopopo leʻa ka haʻahaʻa o ka uku paneʻe a ʻo ka mea nāna e loiloi i ka wā lōʻihi ʻike lākou e uku lākou i ka mea liʻiliʻi. ʻoiai ua uku ʻia ka huina nui o ka ukupanee.
3. Hoʻonohonoho hou i nā hōʻoia moraki.
I Ina o Kuhi Pūnaewele, koi nui lākou i ka hoʻohou hou o nā hōʻaiʻē, no ka refinance a i ʻole no ka molaki ʻelua ma ka hōʻoia like, ke noʻonoʻo nei ʻaʻole i hoʻemi ʻia ka waiwai a ua loaʻa hou paha kāna loaʻa kālā. ʻAe kēia iā lākou e hāʻawi i nā mea kūʻai aku ma mua o hoʻokahi koho i ka refinancing.
ʻO kāna mau kumuhana nui nui:
- Refinancing (hoʻolimalima hou i ka ʻōlelo Pelekania) ma lalo o nā kūlana maʻalahi
I ka hoʻomaopopo ʻana aia ma mua he loiloi mua, kahi ʻae hōʻaiʻē a me nā kumukūʻai pani, hōʻoia kēia ʻoihana e hoʻomaʻalahi maikaʻi ʻia nā mea āpau. Maikaʻi kēlā.
- ʻO ka koho e uku kālā ma mua
Mālama lākou i kēia koho, e hoʻonāukiuki i ka poʻe e mālama i ka nui o ke kālā, e hāʻawi ana i kahi waiwai kālā a hoʻemi i ka hoihoi. ʻO ke kumu hoʻohālikelike a lākou e hōʻike ai inā loaʻa iā ʻoe kahi hōʻaiʻē $ 200,000 a uku ʻia $ 2,000 i ke poʻo kumu, hiki iā ʻoe ke hōʻoia i kahi mālama kālā o $ 63 i kēlā me kēia mahina, $ 760 i kēlā me kēia makahiki a ma kahi o $ 22,000 i ka huina wale no ka ukupanee i uku ʻole ʻia. ʻO ke kumu o kēia ma kahi o 1/2% i ka uku paneʻe, maopopo ia, ʻoiai nā makahiki mua ke uku ʻia nā uku paneʻe hou aku, a ke ʻoki ʻana i ka piʻo e hoʻonui ʻia kahi ʻāpana nui aʻe ma mua o ka ʻoki ʻana iā ia ma ka waena a i ʻole ka hopena.
- Hoʻohui ʻoluʻolu
Hāʻawi kēia huahana Loan Network iā ia ke koho, i nā mea ʻokoʻa ʻē aʻe e like me nā kāleka hōʻaiʻē, nā hōʻaiʻē pilikino, nā hōʻaiʻē hōʻaiʻē a me nā mea ʻē aʻe ke hiki ke hoʻonohonoho ʻia i kahi hōʻaiʻē hoʻokahi ʻole ka uku ʻana i nā ʻoihana kālā like ʻole.
