Pehea e puka ai i waho o kahi hōʻaiʻē pilikino
I nā makahiki i hala iho nei, ua haʻahaʻa ka uku paneʻe ma nā hōʻaiʻē ma Iapana, ʻo ia ke kumu e noʻonoʻo ai ka poʻe he nui e kūʻai i ka waiwai e hoʻohana i kahi hōʻaiʻē e hana pēlā. ʻOiai hiki i nā haole ke kūʻai i ka waiwai paʻa ma Iapana, ke kānalua nei nā ʻoihana kālā Iapana e hāʻawi i nā haole. No ka loaʻa ʻana o kahi hōʻaiʻē, pono e hoʻokō ʻia kekahi mau koi, ʻoiai ʻokoʻa paha lākou ma muli o ke keʻena.
Ma PLAZA HOMES makemake mākou e hoʻolauna iā ʻoe i nā ʻoihana kālā e hāʻawi ana i nā hōʻaiʻē moraki i nā haole a kākoʻo mākou iā ʻoe mai ka noi hōʻaiʻē a hiki i ka ʻaelike hōʻaiʻē e like me kāu noi a me ka hoʻolālā kālā.
ʻOkoʻa nā koi no ka hōʻaiʻē home e like me kēlā me kēia ʻoihana kālā. Aia ma lalo iho nā koi maʻamau a me kahi hōʻuluʻulu o nā hōʻaiʻē home ma Iapana. Lawe ʻia kahi hōʻaiʻē home ke kūʻai ʻoe (kahi home āu a me kou ʻohana e hoʻolālā ai e noho ai), hoʻoponopono hou, a hoʻolimalima hou i kahi home.
Hoʻopili pinepine ʻia nā hōʻaiʻē a hiki i ka 70-80% o ke kumukūʻai kūʻai a hiki i ka 90% o ka waiwai o ka home mai kahi ʻoihana kālā. ʻO ka huina o ka hōʻaiʻē e pono e hoʻihoʻi ʻia i kēlā me kēia makahiki (ratio ʻaiʻē i ka loaʻa kālā) pono i loko o kahi ākea ma waena o 25% a me 35% o ka loaʻa makahiki.
E wehe i kāu moraki pdf
Inā makemake ʻoe e kūʻai i hale, pono paha ʻoe i kahi moraki. Hiki ke loaʻa nā moraki mai nā panakō, nā uniona hōʻaiʻē, a i ʻole nā hui kālā ʻē aʻe, akā makemake kekahi mea hāʻawi kālā e hōʻoia ʻoe e hoʻokō i kekahi mau kumu kūpono ma mua o ka hāʻawi ʻana iā ʻoe i kahi kālā e kūʻai ai i home.
ʻOkoʻa nā koi kikoʻī e kūpono ai i kahi moraki ma muli o ka mea hāʻawi kālā āu e hoʻohana ai a me ke ʻano o ka moraki āu e loaʻa ai. ʻO kahi laʻana, ʻo ka Veterans Administration a me ka Federal Housing Administration (FHA) e hōʻoiaʻiʻo i nā hōʻaiʻē no nā poʻe ʻaiʻē kūpono, ʻo ia hoʻi e hoʻopiʻi ke aupuni i ka hōʻaiʻē i ʻole e loaʻa i ka mea hāʻawi kālā a makemake nui e uku.
Ma keʻano laulā, pono ʻoe e hoʻokō i kekahi mau koi no kekahi mea hāʻawi kālā ma mua o kou ʻae ʻia no kahi hōʻaiʻē. ʻO kēia kekahi o nā kumu nui e hoʻoholo ai inā hāʻawi ka mea hāʻawi iā ʻoe i kahi moraki.
Hoʻoholo ʻia kāu helu ʻaiʻē ma muli o kāu mōʻaukala uku a me kāu ʻano he mea hōʻaiʻē. Ke noi nei ʻoe i moraki, ʻo kekahi o nā mea mua a ka poʻe hāʻawi kālā e hana ʻo ia ke nānā i kāu helu ʻaiʻē. ʻOi aku ka kiʻekiʻe o kāu helu, ʻoi aku ka maikaʻi o ka ʻae ʻia ʻana no kahi moraki a ʻoi aku ka maikaʻi o kāu uku paneʻe.
Pehea e wehe ai i kahi moraki e kūʻai i hale ʻē aʻe
Ma kēia ʻatikala, e nānā mākou i kekahi o nā koho i loaʻa iā ʻoe ke makemake ʻoe e kūʻai i hale me ka uku ʻole. E hōʻike pū mākou iā ʻoe i kekahi mau koho hōʻaiʻē haʻahaʻa haʻahaʻa, a me nā mea hiki iā ʻoe ke hana inā loaʻa kāu helu ʻaiʻē haʻahaʻa.
E like me ka hōʻike ʻana o ka inoa, ʻo kahi moraki uku ʻole he hōʻaiʻē home hiki iā ʻoe ke loaʻa me ka uku ʻole. ʻO ka uku mua ka uku mua i hana ʻia ma ka home a pono e hana ʻia i ka manawa o ka pau ʻana o ka hōʻaiʻē moraki. E helu pinepine nā mea hōʻaiʻē i ka uku hoʻohaʻahaʻa ma ke ʻano he pākēneka o ka nui o ka hōʻaiʻē.
No ka laʻana, inā kūʻai ʻoe i hale no $200.000 a loaʻa iā ʻoe he 20% uku, hāʻawi ʻoe i $40.000 i ka pau ʻana. Pono nā mea hōʻaiʻē i ka uku hoʻohaʻahaʻa no ka mea, e like me ke kumumanaʻo, ʻoi aku kou makemake e hoʻopaʻa i kahi hōʻaiʻē inā loaʻa iā ʻoe kahi hoʻopukapuka mua ma kou home. ʻO ka uku hoʻohaʻahaʻa he mea paʻakikī nui ia no nā mea kūʻai hale he nui, no ka mea hiki ke lawe i nā makahiki e mālama ai i kahi kālā.
ʻO ke ala wale nō e loaʻa ai kahi moraki ma o nā mea kūʻai moraki nui me ka uku ʻole ʻana, ʻo ia ka lawe ʻana i kahi hōʻaiʻē i kākoʻo ʻia e ke aupuni. Hoʻopaʻa ʻia nā hōʻaiʻē kākoʻo aupuni e ke aupuni federal. I nā huaʻōlelo ʻē aʻe, kōkua ke aupuni (me kāu mea hāʻawi kālā) i ka hoʻopaʻa ʻana i ka bila inā ʻaʻole ʻoe i kau i kāu moraki.
home loan 意味
Nui nā ʻano koina i uku ʻia i ka wā e noi ana i moraki. ʻO kekahi o kēia mau kumukūʻai e pili pono ana i ka moraki: hui pū, hana lākou i ke kumukūʻai o ka hōʻaiʻē. ʻO kēia mau kumukūʻai ka mea āu e noʻonoʻo ai i ke koho ʻana i kahi moraki.
ʻO nā kumukūʻai ʻē aʻe, e like me ka ʻauhau waiwai, e uku pinepine ʻia me ka moraki, akā ʻo nā kumukūʻai maoli no ka noho ʻana o ka home. Pono ʻoe e uku iā lākou inā he moraki kāu a ʻaʻole paha. He mea nui kēia mau lilo i ka wā e hoʻoholo ai i ka nui āu e hiki ai ke loaʻa. Eia naʻe, ʻaʻole mālama ka poʻe hāʻawi kālā i kēia mau koina, no laila ʻaʻole pono ʻoe e hoʻoholo i ka mea hāʻawi kālā e koho ai ma muli o kā lākou manaʻo no kēia mau koina. Ke kohoʻana i kahi moraki, he mea nui e noʻonoʻo i nāʻano koinaʻelua. ʻO ka moraki me ka uku haʻahaʻa o kēlā me kēia mahina ke ʻoi aku ka kiʻekiʻe o nā kumukūʻai mua, a i ʻole ka moraki me nā kumu kūʻai haʻahaʻa haʻahaʻa e ʻoi aku ka uku o kēlā me kēia mahina. Nā koina o kēlā me kēia mahina. ʻEhā mau mea maʻamau ka uku o kēlā me kēia mahina: Eia kekahi, pono ʻoe e uku i nā uku kaiāulu a i ʻole condominium. Hoʻokaʻawale ʻia kēia mau koina mai ka uku mahina. Na koina mua. Ma waho aʻe o ka uku hoʻohaʻahaʻa, pono ʻoe e uku i nā ʻano koina i ka pani ʻana.
