Pehea e loaʻa ai ka hōʻaiʻē kaʻa ma 2023 me ka uku uku haʻahaʻa?

Ma mua o ka hele ʻana i ka mea kūʻai aku, ʻoi aku ka maʻalahi o ka kūʻai ʻana i nā mea hāʻawi kālā a loaʻa mua i ka ʻae ʻia i hiki iā ʻoe ke loaʻa ka uku panee hoʻokūkū.

E hōʻoia i ka pololei o kāu hōʻike hōʻaiʻē

ʻEhia ka nui a me ka uku pānaʻi āu e ʻae ai e hōʻaiʻē ma muli o kāu helu ʻaiʻē a me kāu loaʻa kālā.

E nānā i kāu hōʻike hōʻaiʻē ma mua o ka noi ʻana i kahi hōʻaiʻē kaʻa. Hiki i ka mea hāʻawi kālā ke hōʻole iā ʻoe no kahi hōʻaiʻē a hāʻawi iā ʻoe i ka uku kiʻekiʻe loa inā loaʻa i kāu hōʻike nā hewa a i ʻole ka ʻike pololei ʻole, e like me ka hana hoʻopunipuni.

Hāʻawi nā keʻena hōʻike hōʻaiʻē nui ʻekolu (Equifax, Experian, a me TransUnion) i nā kope manuahi o kāu hōʻike hōʻaiʻē i kēlā me kēia makahiki ma AnnualCreditReport.com. Ma waho aʻe o ka hiki ke kiʻi i kāu hōʻike hōʻaiʻē i kēlā me kēia pule a hiki i Dekemaba 2022, hiki iā COVID ke ʻae iā ʻoe e hoʻopaʻapaʻa i nā hewa i kāu hōʻike hōʻaiʻē. ʻO kēia ma mua o ka noi ʻana i kahi hōʻaiʻē kaʻa.

Ua helu ʻia nā helu mai nā hōʻike hōʻaiʻē. Loaʻa nā helu aie a me nā hōʻike pūnaewele no ka manuahi ma o nā panakō he nui, nā mea hoʻopuka kāleka hōʻaiʻē, a me nā hui kālā pilikino, e like me NerdWallet. ʻOiai he mea pono lākou no ke ana ʻana i kāu holomua, ʻaʻole lākou e noʻonoʻo ʻia e nā mea hāʻawi kālā e hoʻoholo inā ʻae ʻoe i ka hōʻaiʻē. ʻO ka mea maʻamau, ʻike nā mea hāʻawi kālā pehea ʻoe i uku ai i kāu hōʻaiʻē kaʻa e pili ana i nā helu kūikawā.

Manaʻo ʻia e hoʻolilo ʻoe i ʻeono mahina a i hoʻokahi makahiki e hoʻomaikaʻi ai i kāu hōʻaiʻē inā loaʻa iā ʻoe ka ʻaiʻē haʻahaʻa a maikaʻi ʻole paha - ma lalo o 600 - ma mua o kou noi ʻana i kahi kaʻa. I mea e kūpono ai i kahi hōʻaiʻē ʻoi aku ka maikaʻi, pono ʻoe e hana i kāu uku i ka manawa a hoʻemi i kāu koena kāleka hōʻaiʻē.

E kiʻi i ka manaʻo o ka uku pānaʻi e uku ana ka poʻe me kāu helu ʻaiʻē me ka uku pānaʻi ʻaiʻē kaʻa.

ʻO ka mōʻaukala hōʻaiʻē o kāu mea hōʻaiʻē e pili ana i ka hapa nui o nā mea hāʻawi kālā e like me ka helu o kāu noi aie o kēia manawa. Loaʻa paha iā ʻoe ka ʻae ʻia a i ʻole ka uku uku haʻahaʻa inā ua uku ʻoe i nā kūʻai kaʻa mua. Eia naʻe, hiki i nā moʻolelo hōʻaiʻē pōkole a i ʻole nā ​​hōʻaiʻē kaʻa mua ke hoʻopilikia i nā helu ʻaiʻē nui.

Pono ʻoe e hōʻike i ka mōʻaukala hana paʻa a hoʻokō i nā koi kālā liʻiliʻi.

Loaʻa nā mea hāʻawi kālā he nui no nā hōʻaiʻē kaʻa

ʻO ka nānā ʻana i kāu hōʻaiʻē ka hana mua i ka nānā ʻana i nā hōʻaiʻē kaʻa a me nā mea hāʻawi kālā, e hāʻule ana i loko o nā ʻāpana aʻe:

• Nā panakō aupuni nui, e like me Bank of America a i ʻole Capital One.
• Nā panakō kaiāulu kūloko a i ʻole nā ​​hui ʻaiʻē.
• ʻO nā mea hāʻawi kālā pūnaewele e hāʻawi wale i nā hōʻaiʻē kaʻa.
• Hoʻolimalima kālā, a i ʻole ma o nā mea hāʻawi "hopu" o nā mea hana kaʻa.

ʻOiai inā e hoʻolālā ana ʻoe i ka lawe ʻana i ke kālā kūʻai aku ma hope, pono ʻoe e hoʻohālikelike i nā huaʻōlelo mai nā mea hāʻawi mua ʻekolu. Inā ʻae ʻoe i nā uku hōʻaiʻē maʻalahi mai kāu moʻokāki ma kāu panakō a i ʻole hui hōʻaiʻē, hiki iā ʻoe ke kūpono no ka uku koho. He koho nō hoʻi ka hoʻohālikelike ʻana i nā mea hāʻawi kaʻa ma ka pūnaewele.

He mea koʻikoʻi e hōʻoia i kēlā me kēia mea hāʻawi kālā āu e noʻonoʻo ai e ʻae i nā mea kūʻai pilikino e kūʻai i nā kaʻa ma mua o nā mea kūʻai aku a i ʻole nā ​​​​mea kūʻai aku. Ma mua o kou noi ʻana i kahi ʻaelike hoʻolimalima kaʻa, pono nō hoʻi ke aʻo ʻana i ka ʻōlelo o ke kālā kaʻa.

Apono mua ʻia no nā hōʻaiʻē kaʻa

Pono ʻoe e noi i nā huaʻōlelo pākēneka mai kekahi mau mea hāʻawi kālā ke hōʻemi ʻoe i kāu ʻimi. E loaʻa iā ʻoe ka uku hoʻokūkū ʻoi loa inā hoʻokūkū nā mea hōʻaiʻē no kāu ʻoihana. Eia kekahi, hiki ke ʻokoʻa ka hāʻawi ʻana i ka uku pānaʻi kaʻa ma muli o nā kumu like ʻole i manaʻo ʻia e nā mea hāʻawi kālā i ka wā e nānā ana i kāu hōʻike hōʻaiʻē.

Hiki i ka mea hāʻawi kālā ke koho mua a ʻae mua iā ʻoe no kahi hōʻaiʻē ke noi ʻoe. He mea koʻikoʻi ka hoʻomaopopo ʻana i ka ʻokoʻa ma waena o lākou.

Ma ka hoʻohana ʻana i ka ʻike palena palena e pili ana i kāu mōʻaukala aie, hāʻawi ka pre-qualification i kahi kuhi o kāu uku panee a me ka nui o ka hōʻaiʻē. ʻAʻole e hoʻohaʻahaʻa ʻia kāu helu ʻaiʻē e kahi huki hōʻaiʻē pre-qualification, ʻo ia ka huki "māmā". Hiki paha iā ʻoe ke ʻike i kahi loli nui i ka helu i manaʻo ʻia ke nānā ʻia kāu aie.

Aia ka ʻokoʻa ma waena o ka prequalification a me ka preapproval. Hoʻemi ʻia kāu helu ʻaiʻē no ka manawa pōkole ma muli o kahi huki hōʻaiʻē "paʻakikī". Pono e pili kokoke i kāu helu hope loa mai ka mea nāna e hāʻawi aku i ka ʻike hou aku e pili ana i kāu mōʻaukala aie a me ka ʻike pilikino.

He mea maikaʻi paha ke ʻae ʻia no kahi hōʻaiʻē kaʻa inā kokoke ʻoe e kūʻai i kāu kaʻa. ʻO kēia no ka mea ʻoi aku ka nui o kou mana kūkākūkā ma ka mea kūʻai aku a pale ʻia kāu uku ukupanee mai ka hoʻopaʻa ʻia ʻana. He nīnau hoʻokahi ke hana ʻia ma mua o hoʻokahi manawa i ka manawa pōkole.

ʻAʻole ʻae ʻia kāu palapala hōʻaiʻē kaʻa no ka mea ua ʻae ʻia ʻoe a i ʻole ʻae ʻia. Hōʻike ka ʻae mua i kāu mea kūʻai aku he mea kūʻai koʻikoʻi ʻoe e hiki ke hoʻopaʻa kālā a hiki ke kōkua i ka hoʻolālā ʻana a me ka hoʻolilo kālā no kāu kūʻai kaʻa.

E hoʻonohonoho i kāu kālā e like me kāu hāʻawi hōʻaiʻē

ʻAʻole ʻo ke kumukūʻai o ke kaʻa āu e kūʻai ai i ʻōlelo ʻia ma kāu hāʻawi preapproval, akā ʻo ka nui loa āu e hiki ai ke hōʻaiʻē. Pono e hoʻohui ʻia nā ʻauhau a me nā uku i kāu kālā e 10%. Hiki iā ʻoe ke hoʻohana i kahi helu hōʻaiʻē kaʻa e hoʻolālā i kāu hōʻaiʻē. E ʻimi i ka uku mahina kūpono no kāu pūlāwai ma ke komo ʻana i kāu uku hoʻohaʻahaʻa, waiwai kūʻai-i loko, a me ka manawa hōʻaiʻē.

ʻAʻole pono ʻoe e ʻaiʻē i ka huina piha inā ʻoluʻolu ʻoe i kēlā uku mahina. ʻO ka maʻamau, ʻo kahi hāʻawi preapproval he alakaʻi wale nō ia no ka mea hiki iā ʻoe ke loaʻa - hiki iā ʻoe ke hōʻaiʻē liʻiliʻi inā makemake ʻoe. Ma waho o ka ʻōlelo a kāu panakō, pono ʻoe e hōʻoia e hiki iā ʻoe ke hōʻoluʻolu i nā uku ma kāu hōʻaiʻē.

E huli i kāu kaʻa

ʻO ka manawa kēia e koho ai i kāu kaʻa hou i kēia manawa ua loaʻa iā ʻoe nā hāʻawi kālā a ʻike i ka nui o kāu kālā kālā.

• E hōʻoia i nā hāʻawi hōʻaiʻē e pili ana i kēia i ke koho ʻana i kahi kaʻa:
• Nā hōʻailona i kāpae ʻia. ʻO nā kaʻa uila, no ka laʻana, ʻaʻole i loaʻa kālā e kekahi mau mea hāʻawi kālā.
• Nā koi no nā mea kūʻai aku. Aia kekahi mau mea hāʻawi kālā, e like me Capital One, e koi ana i nā mea kūʻai aku e komo i kahi pūnaewele mea kūʻai aku ma mua o ka hana ʻana i kahi noi hōʻaiʻē.
• Ke kūʻai ʻana i kaʻa mai kahi kanaka, pono ʻoe e hoʻokō i nā koi o ka mea hāʻawi.
• Kaohi i ka manawa. Loaʻa nā hōʻaiʻē no nā lā 30. Hiki i ka mea hāʻawi kālā ke hoʻonui i ka hāʻawi inā pau ka manawa.
• E nānā i ka hāʻawi hōʻaiʻē a ka mea kūʻai aku
• Hiki paha iā ʻoe ke kiʻi i kahi pānaʻi ʻoi aku ka maikaʻi - mai ka mea kūʻai aku - inā ʻoe e lawe i kahi kaʻa hoʻāʻo a loaʻa kahi kaʻa i kūpono i kāu mau pono.

Hāʻawi pinepine nā mea kūʻai aku i nā kumukūʻai ma lalo o ka mākeke i nā mea kūʻai aku e kūʻai i nā kaʻa ma o nā panakō o ka mea hana kaʻa. E ho'āʻo ka luna hoʻokele kālā e lanakila i ka helu i ʻae ʻia iā ʻoe no ka manawa e aʻo ai ʻo ia ua ʻae ʻia ʻoe no ia. ʻAʻole ʻeha ka hoʻāʻo ʻana e hoʻohaʻahaʻa i kāu uku paneʻe, a ʻaʻohe pilikia i ka noi ʻana.

Pono ʻoe e haʻi i ka mea kūʻai aku ua ʻae ʻia ʻoe inā ʻaʻole ʻoe makemake e pāʻani i ka pāʻani. Ma nā kūlana kūʻai kālā, hiki iā ʻoe ke kūkākūkā i ke kumukūʻai kaʻa wale nō, ʻaʻole ka uku o ka mahina, no laila hiki iā ʻoe ke haggle ma ke kumukūʻai wale nō.

E koho i kāu hōʻaiʻē a hoʻopau

Pono e haʻahaʻa ka uku kālā e hoʻohālikelike ʻia me ka uku āu i ʻāpono mua ʻia ai (a like nā huaʻōlelo ʻē aʻe). He maikaʻi inā ʻae ʻoe i ka hōʻaiʻē ma ka lima me ka nānā ʻole i nā mea ʻē aʻe āu e hāʻawi ai. Pono ʻoe e heluhelu pono i nā ʻaelike ma mua o ke kau inoa ʻana iā lākou i mea e hōʻoia ai ʻaʻole ia he mea hoʻopunipuni.

Aia nā uku huna. Ma waho aʻe o ke kumukūʻai kūʻai o ke kaʻa, e loaʻa ka ʻauhau kūʻai, nā palapala palapala, a me nā kumukūʻai hoʻopaʻa inoa. He mea nui e ninau i na uku keu.

Hoʻopili ʻia kahi manawa hōʻaiʻē lōʻihi. ʻO ka hoʻonui ʻia ʻana o 12 mau mahina hiki ke loaʻa i nā haneli kālā i nā uku hou. E kiʻi i ka uku kūʻai haʻahaʻa inā hiki iā ʻoe ke loaʻa i kahi hōʻaiʻē lōʻihi. I ka hapanui o nā hihia, hiki ke loaʻa ka ʻinikua gap no ke kumu kūʻai haʻahaʻa inā ʻaʻole ʻoe e noi. Kau ʻia kahi hoʻopaʻi no ka hoʻihoʻi mua ʻana. ʻAʻole loaʻa i kahi ʻaelike hōʻaiʻē kaʻa ka paukū e like me kēia, akā he manaʻo maikaʻi e nānā.

I mea e hoʻohana pono ai i kāu hāʻawi mua ʻia, pono ʻoe e hahai i nā ʻōlelo aʻoaʻo i hāʻawi ʻia e kāu mea hāʻawi. Pono paha kekahi mau mea hāʻawi kālā e hoʻopili pololei iā ʻoe, aʻo nā mea ʻē aʻe e koi iā ʻoe e hoʻopili iā lākou ma kāu iho.

Pono nā mea kūʻai kūʻokoʻa i ke kālā a i ʻole ke kāke kālā i ke kūʻai ʻana i kaʻa. Ma hope o ke koho ʻana i ke kaʻa, e hoʻopili i ka mea hāʻawi kālā e ʻike pehea e hoʻopau ai i ka ʻaelike. A laila, e kau inoa ʻoe i ka pepa. He manaʻo naʻauao ka nānā ʻana i ka ʻaelike no nā mea i luna, akā ʻoi aku ka palekana mai nā mea hoʻohui inā ʻaʻole ʻoe kālā ma o ka mea kūʻai aku.

Hana i nā uku ma ka manawa

Ma hope o ka hoʻopaʻa ʻia ʻana o kāu hōʻaiʻē kaʻa, mākaukau ʻoe e hoʻokele i ka napoʻo ʻana o ka lā. Mai poina i hoʻokahi ʻanuʻu ʻē aʻe — ka uku ʻana i ka hōʻaiʻē kaʻa i ka manawa. E hāʻawi paha kāu mea hāʻawi i ka ʻike pūnaewele i kāu ʻike hōʻaiʻē, kahi e hiki ai iā ʻoe ke hoʻonohonoho i nā uku ʻakomi. ʻO ka lawe ʻana i ka manawa e hana i kēia e kōkua iā ʻoe e kūkulu i ka mōʻaukala o nā uku hōʻaiʻē manawa, kahi mea kōkua nui i kāu helu ʻaiʻē, a me ka hiki ke loaʻa i kahi hōʻaiʻē me nā uku ʻoi aku ka maikaʻi i ka wā e hiki mai ana.