Hiki ke unuhi 'ia ka 'inikua home office?
ʻO ka nui a i ʻole nā haʻawina āpau ma kēia pūnaewele mai nā hui i loaʻa ai i nā Insiders ka uku (no ka papa inoa piha, ʻike maanei). Hiki i nā manaʻo hoʻolaha ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kēia pūnaewele (me ka laʻana, ke ʻano o ka ʻike ʻia ʻana), akā ʻaʻole pili i nā hoʻoholo hoʻoponopono, e like me nā huahana a mākou e kākau ai a pehea mākou e loiloi ai. Ke noiʻi nei ʻo Personal Finance Insider i kahi ākea ākea i ka wā e hana ai i nā ʻōlelo paipai; akā naʻe, ʻaʻole mākou e hōʻoiaʻiʻo i kēlā ʻike e hōʻike ana i nā huahana āpau a i ʻole nā haʻawi i loaʻa ma ka mākeke.
Ma ke ʻano he mea hale, ʻike paha ʻoe hiki iā ʻoe ke hōʻemi i kāu loaʻa kālā ʻauhau ma ka unuhi ʻana i ka ukupanee moraki a me ka ʻauhau waiwai. Akā, ua noʻonoʻo paha ʻoe inā hiki iā ʻoe ke unuhi i nā lilo ʻē aʻe o ka home, e like me nā uku inikua o ka mea hale? ʻOiai ʻaʻole hiki ke unuhi ʻia no ka hapa nui o ka poʻe ʻauhau, hiki i ka poʻe i hoʻolimalima iā lākou iho a hana mai ka home ke koi i ka unuhi ʻana no kahi hapa o kā lākou i uku ai no ka ʻinikua He aha ka ʻauhau ʻauhau ʻinikua home? Hoʻemi ka ʻauhau ʻauhau i kāu loaʻa ʻauhau a no laila ka nui āu e uku ai i ka ʻauhau loaʻa. Nui nā unuhi e hiki i nā mea hale ke lawe, e like me ka uku moraki, ʻauhau waiwai, ʻinikua moraki, a me nā lilo ʻē aʻe. ʻAʻole hiki ke unuhi ʻia ka ʻauhau no ka ʻinikua hale, me kekahi mau ʻokoʻa. Eia nā unuhi maʻamau no ka makahiki ʻauhau 2022:
ʻO wai kaʻu e uku ai i kaʻu ʻinikua home?
Ke kūʻai ʻoe i home, e koi ana kāu mea hōʻaiʻē moraki iā ʻoe e kūʻai i ka ʻinikua home e hōʻoia i ka palekana o kou hoihoi i ka waiwai i ka wā o kahi pōʻino. ʻO ke kumukūʻai o kēia ʻinikua e hilinaʻi ʻia ma nā ʻano kumu, me ka nui o ka nui o ka ʻinikua home, kahi mea āu e koho ai.
ʻO ka hiki ke unuhi ʻia ka ʻinikua home ka nui o ke kālā e uku ʻia e ka mea hale mai loko mai o ka ʻeke ma mua o ka hoʻomaka ʻana o ka ʻinikua home. Ke uku ka hui 'inikua i ke koi, e hana no ia no ka huina o na poho i emi iho ka nui o ke koena.
ʻAʻole ʻoe e uku i ke koena i ka hui ʻinikua me he mea lā he invoice. Akā, e unuhi ʻia mai ka nui o ka ʻinikua e uku ai. Uku ʻoe i ke koena o ke kālā (kāu mea hiki ke unuhi ʻia) i ke kanaka a i ʻole hui i hoʻolimalima ʻia e hoʻoponopono i ka pōʻino.
Ua uku ʻia kāu mea unuhi ma mua o ka uku ʻana o ka mea hoʻolako i kāna ʻāpana. ʻO ia ke ʻano inā ʻoi aku ka liʻiliʻi o ke kumukūʻai o ka pōʻino o kou home ma mua o kāu keu, ʻaʻole e uku ka mea hoʻolako i kekahi mea. I kēlā hihia, ʻaʻole pono ʻoe e hele i ka pilikia o ka waiho ʻana i kahi koi inikua. Akā, e uku wale ia i ka nui i uku ʻia. No ka laʻana, inā he $350 ke kumukūʻai o ka pōʻino o kou home a he $500 kāu unuhi ʻana, e uku ʻoe i ka $350 mai loko mai o ka ʻeke.
ʻOi aku ka maikaʻi o ka loaʻa ʻana o kahi keu kiʻekiʻe a haʻahaʻa paha i ka ʻinikua home?
ʻO ka ʻinikua home, i kapa ʻia hoʻi ka ʻinikua home, mālama iā ʻoe i ke kālā inā pōʻino kou home a waiwai paha. Hiki i kēia ʻano uhi ke kōkua iā ʻoe ma hope o nā pōpilikia a i ʻole nā hanana e like me ka ʻaihue a i ʻole ke ahi. He ʻokoʻa ka ʻinikua home mai kahi palapala hoʻopaʻa home, e uhi ana i nā mea hana a me nā ʻōnaehana i kou home i pau i ka wā.
Hoʻopili ka ʻinikua home i ka home, ka hapa nui o kāna mau mea (e like me nā lako, nā lole, a me nā mea waiwai), a me nā waiwai a puni. Hoʻopili maʻamau kēia i nā hale ʻē aʻe ma kāu waiwai, e like me nā hale kaʻa, nā pā, a me nā hale. Hoʻopili ka ʻinikua home i nā pōʻino i hana ʻia e nā hui ʻinikua i kapa ʻia he "pilikia i ʻike ʻia." Loaʻa paha nā pilikia i ʻike ʻia…
Inā ʻeha kekahi ma kāu waiwai, uhi pū kekahi mau kulekele ʻinikua home i nā koina olakino pili. Kapa ʻia kēia i ka palekana kuleana. Hoʻopili kekahi mau kulekele ʻinikua home i nā lilo ola ʻoiai ke kūkulu hou ʻia nei kou home ma hope o ka pōʻino. Hoʻihoʻi kēia uhi iā ʻoe no ka hokele a i ʻole ka hale ʻai meaʻai ma mua o kāu mau lilo ola maʻamau.
Hiki ke unuhi ʻia ka ʻinikua home inā hoʻolimalima
ʻAʻole pono e huikau ka ʻinikua home me ka ʻinikua waikahe, ka ʻinikua moraki, a i ʻole ka ʻinikua mālama ola moraki. Eia kekahi, ʻaʻole e uku ke kulekele maʻamau no ka pōʻino o ke ōlaʻi a i ʻole ka lole maʻamau.
Pono nā mea hōʻaiʻē moraki i ka poʻe nona ka hale e loaʻa ka ʻinikua home. Nui nā kumu no kēia, akā ʻo ka mea nui loa ʻo ka makemake o kāu mea hāʻawi iā ʻoe e hiki a makemake e uku i kāu moraki ma hope o ka pōʻino pōʻino.
Ma hope o nā mea a pau, paʻakikī ka poʻe he nui e hoʻomau i ka uku ʻana i ka moraki ma kahi hale hiki ʻole iā lākou ke noho. Me ka ʻole o ka hale, liʻiliʻi ka waiwai o ka moraki. ʻO ka hoʻoweliweli o ka hoʻopaʻa ʻana he ʻano hakahaka inā ʻaʻohe hale noho e hoʻopaʻa a kūʻai aku.
He mea koʻikoʻi ʻoe e nānā i kāu kulekele ʻinikua hale i ka wā e wehe ai ʻoe i kahi escrow ma kahi kūʻai home. A pono e ʻae ʻia kāu kulekele i kāu mea hāʻawi aku, no laila e hoʻolako i ka ʻaoʻao hoʻolaha kulekele, a i ʻole "dec sheet," i ka hikiwawe.
E ʻōlelo mākou e kūʻai ʻoe i $300.000 home a me ke kumukūʻai pani o ka hale (hiki iā ʻoe ke loaʻa ma ka loiloi, akā hāʻawi ka mea hoʻolako i kāna kiʻi ponoʻī) he $200.000. Inā he $240.000 kāu hōʻaiʻē, e helu ʻoe i ka uhi e pono ai e like me kēia:
