He maikaʻi ko ka wahine aie akā ʻaʻohe loaʻa kālā moraki
Inā noho pū ʻoe a loaʻa iā ʻoe a me kāu hoa he mau waihona waihona ʻokoʻa, ʻaʻole hiki i kekahi o ʻolua ke komo i ke kālā i loko o ka moʻokāki o kekahi. Inā make kekahi hoa kāne, e lilo ke koena kālā i waiwai o ka waiwai o kā lāua hoa a ʻaʻole hiki ke hoʻohana ʻia a hoʻopaʻa ʻia ka waiwai.
Inā loaʻa iā ʻoe kahi moʻokāki hui, hiki iā ʻoe a me kāu hoa ke komo i ka moʻokāki, ʻoiai inā hoʻokahi wale nō o ʻoukou e uku. Inā pau kāu pilina a ʻaʻole hiki iā ʻoe ke ʻae i ka mea nona ke kālā, pono paha e hoʻoholo ka ʻaha. Eia nō naʻe, inā ʻaʻole i hoʻohana kekahi o ʻoukou i ka moʻokāki, no ka laʻana, ʻaʻohe kālā i loko a i waho paha, hiki ke paʻakikī ke ʻōlelo he kuleana ko ʻoukou.
Inā loaʻa ka moʻokāki ma nā inoa ʻelua, ma ka make ʻana o kekahi o nā hoa pili, ua kuleana kekahi i ke koena a hiki ke hoʻomau i ka loaʻa ʻana o ka palena ʻole i ka moʻokāki. Eia naʻe, e noʻonoʻo ʻia kekahi hapa o ke koena i ka helu ʻana i ka waiwai o ka waiwai o ka mea i make.
Hoʻokahi wale nō kāne ma ka moraki akā ʻelua ma ke poʻo male male
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Mare Mare a me ka Moraki Apono
ʻO ka hapa nui o nā kāne i male ma mua o ka hoʻoholo ʻana i nā hoʻoholo kālā nui. Akā i kēia lā, hoʻokahi o ʻehā mau kāne male ʻole i ka makahiki 18 a hiki i 34 ke kūʻai pū i kahi home, e like me kahi noiʻi a Coldwell Banker Real Estate.
Nui nā kumu maikaʻi e kūʻai ai nā kāne male i hale i kēia lā, akā hiki ke kūʻai ʻia kahi home ma waho o ka male ʻana me nā pilikia nui. Inā ʻaʻole ʻoe e ʻike pehea e pale aku ai i nā pilikia e hiki mai ana, ʻo ke kūʻai ʻana i home me kāu hoa male ʻole he hewa nui.
ʻAʻole kēia ʻike e kōkua wale iā ʻoe e noʻonoʻo i ka nui o ka home āu e hiki ai ke loaʻa, akā e kōkua pū nō hoʻi iā ʻoe e hoʻoholo i ka nui o ke kālā e hiki i kēlā me kēia kanaka ke waiho no ka uku hoʻohaʻahaʻa, nā koina pani, a me nā uku moraki i kēlā me kēia mahina.
No laila ʻaʻole maikaʻi wale ka ʻike i ke kūlana kālā o kāu hoa e ana i ka nui o ka hale āu e kūʻai ai, akā kūpono pū kekahi i ka loaʻa ʻana o kahi moraki hiki iā ʻoe ke uku iā ʻoe inā ʻo ia ka hihia.
Aia nā pane i kēia mau nīnau i ka ʻaelike kuleana. Inā ʻaʻole ʻoe makaʻala, hiki iā ʻoe ke nalowale i kou home, ʻoiai ua hāʻawi ʻoe i mau tausani kālā i ka moraki a me nā lilo ʻē aʻe.
ʻO ka loaʻa kālā o ka hoa kūʻai ʻole
ʻO Lindsay VanSomeren kahi kāleka hōʻaiʻē, panakō, a loea ʻaiʻē nona nā ʻatikala e hāʻawi i ka poʻe heluhelu i ka noiʻi hohonu a me nā ʻōlelo aʻo kūpono e hiki ke kōkua i nā mea kūʻai aku e hoʻoholo i nā hoʻoholo naʻauao e pili ana i nā huahana kālā. Ua hōʻike ʻia kāna hana ma nā pūnaewele kālā koʻikoʻi e like me Forbes Advisor a me Northwestern Mutual.
Ua ʻoi aku ʻo Gina LaGuardia ma mua o 25 mau makahiki o ka ʻike ma nā hana hoʻoponopono kiʻekiʻe a he loea i nā kumuhana kālā pilikino e like me ka panakō a me ka hōʻaiʻē. Ua hana ʻo ia i nā ʻike no nā hale mana kālā e like me Chase Bank, American Express Canada, First Horizon Bank, BBVA a me SoFi.
Inā male ʻoe, ʻike ʻoe he mea maʻamau i nā hoa kāne ke kaʻana like i nā waihona kālā like a me nā hōʻaiʻē, akā ʻaʻole pono e like me kēia. Inā loaʻa i kāu kāne nā pilikia hōʻaiʻē, no ka laʻana, makemake paha ʻoe ʻaʻole e hoʻopaʻa inoa iā lākou ma ka moraki a koho e papa inoa iā lākou ma ka palapala i ka home.
Ma muli o kou wahi e noho ai a me ke ʻano o ka hōʻaiʻē āu e loaʻa ai, hiki ke maʻalahi a paʻakikī paha kēia. I ka nui o nā moku'āina, ʻaʻole pono kāu kāne e kākau inoa ʻia ma ka moraki. Eia naʻe, inā hoʻohana ʻoe i kahi hōʻaiʻē FHA no ke kūʻai ʻana i home ma kekahi o nā mokuʻāina ʻeiwa o nā mokuʻāina, no ka laʻana, e hoʻopilikia mau ana nā aie o kāu kāne i kou hiki ke loaʻa i kahi moraki nou iho, ʻoiai inā ʻaʻole i helu ʻia ma ka hōʻaiʻē. . E aʻo hou e pili ana i kēia hana.
