Hiki iaʻu ke kiʻi i ka helu moraki?
E noʻonoʻo ka poʻe hāʻawi kālā i nā kumu he nui ke noi ʻoe i moraki i mea e loiloi ai i kou hiki ke uku i ka hōʻaiʻē. ʻO nā wahi koʻikoʻi i manaʻo ʻia ʻo ia ka loaʻa kālā a me ka mōʻaukala hana, ka helu ʻaiʻē, ka lakene ʻaiʻē i ka loaʻa kālā, nā waiwai, a me ke ʻano o ka waiwai i kūʻai ʻia.
ʻO kekahi o nā mea mua i nānā ʻia e nā mea hōʻaiʻē moraki ke noi ʻoe i kahi hōʻaiʻē ʻo kāu loaʻa kālā. ʻAʻohe ʻāpana kālā āu e loaʻa ai i kēlā me kēia makahiki no ke kūʻai ʻana i hale. Eia naʻe, pono e ʻike ka mea hāʻawi moraki e loaʻa iā ʻoe kahi kahe kālā paʻa e uku ai i ka hōʻaiʻē.
He kuleana koʻikoʻi kāu helu ʻaiʻē i kou hiki ke loaʻa i kahi moraki. Hōʻike ka helu ʻaiʻē kiʻekiʻe i ka poʻe hāʻawi kālā e uku ʻoe i ka manawa a ʻaʻohe ou moʻolelo o ka hōʻaiʻē nui. ʻO ka helu ʻaiʻē haʻahaʻa e hoʻolilo iā ʻoe i mea hōʻaiʻē pilikia no ka mea e hōʻike ana i nā mea hāʻawi kālā he moʻolelo paha ʻoe o ka mālama hewa ʻana i kāu kālā.
Hiki i ka helu ʻaiʻē kiʻekiʻe ke hāʻawi iā ʻoe i ke komo ʻana i nā koho mea hōʻaiʻē hou aʻe a haʻahaʻa haʻahaʻa. Inā he haʻahaʻa kāu helu, he mea maikaʻi e hoʻāʻo e hoʻonui i kāu helu ʻaiʻē no kekahi mau mahina ma mua o ka noi ʻana i kahi hōʻaiʻē.
Hiki iaʻu ke loaʻa i kahi moraki ma ke ʻano he kanaka hana pilikino?
He lawelawe hoʻohālikelike kūʻokoʻa mākou, kākoʻo hoʻolaha. ʻO kā mākou pahuhopu e kōkua iā ʻoe e hoʻoholo i nā hoʻoholo kālā ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka pahuhopu, a e ʻae iā ʻoe e noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
ʻO nā hāʻawi i hōʻike ʻia ma kēia pūnaewele mai nā hui e uku mai iā mākou. Hiki i kēia uku ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kēia pūnaewele, me ka laʻana, ke ʻano o ke ʻano e ʻike ʻia ai i loko o nā papa inoa. Akā ʻaʻole pili kēia uku i ka ʻike a mākou e paʻi ai, a me nā loiloi āu e ʻike ai ma kēia pūnaewele. ʻAʻole mākou e hoʻokomo i ka honua o nā hui a i ʻole nā haʻawina kālā i loaʻa iā ʻoe.
He lawelawe hoʻohālikelike kūʻokoʻa mākou i kākoʻo ʻia e hoʻolaha. ʻO kā mākou pahuhopu ke kōkua iā ʻoe e hoʻoholo i nā hoʻoholo kālā ma o ka hāʻawi ʻana i nā mea hana pili a me nā helu helu kālā, ka hoʻopuka ʻana i nā ʻike kumu a me ka pahuhopu, a hiki iā ʻoe ke alakaʻi i ka noiʻi a hoʻohālikelike i ka ʻike no ka manuahi, no laila hiki iā ʻoe ke hoʻoholo kālā me ka hilinaʻi.
He aha ka mea e pale ai iā ʻoe mai ka loaʻa ʻana o kahi moraki
Loaʻa iā mākou ka uku mai kekahi mau hoa hana i hōʻike ʻia ma kēia ʻaoʻao. ʻAʻole mākou i loiloi i nā huahana āpau a i ʻole nā makana. Hiki i ka uku ke ho'ololi i ke kauoha i hō'ike 'ia ai nā hā'awi ma ka 'ao'ao, akā, 'a'ole pili 'ia kā mākou mau mana'o ho'oponopono a me nā loina e ka uku.
Nui a i ʻole nā huahana āpau i hōʻike ʻia ma ʻaneʻi mai kā mākou mau hoa hana e uku iā mākou i ke kōmike. ʻO kēia ke ʻano o ka loaʻa kālā. Akā ʻo kā mākou pono hoʻoponopono e hōʻoia ʻaʻole i hoʻopili ʻia nā manaʻo o kā mākou poʻe loea e ka uku. Pili paha nā ʻōlelo i nā makana e hōʻike ʻia ana ma kēia ʻaoʻao.
Inā manaʻo ʻoe he manawa maikaʻi kēia e kūʻai ai i hale, aia kahi manawa kūpono e pono ai ʻoe i kahi moraki. Hiki ke loaʻa nā moraki mai nā panakō, nā hui ʻaiʻē a i ʻole nā ʻoihana kālā ʻē aʻe, akā makemake kekahi mea hāʻawi e hōʻoia i kou hoʻokō ʻana i kekahi mau kumu kūpono ma mua o ka hāʻawi ʻana iā ʻoe i ke kālā e kūʻai ai i home. hāʻawi i kekahi, a me ka hoʻololi ʻana ma muli o ke ʻano o ka moraki i loaʻa. No ka laʻana, hōʻoia ka Veterans Administration (VA) a me ka Federal Housing Administration (FHA) i nā hōʻaiʻē no nā mea hōʻaiʻē kūpono. 'O ia ho'i, na ke aupuni e hō'ai'ē, no laila 'a'ole e pilikia ka mea hā'awi kālā a 'oi aku kona makemake e hā'awi i ka po'e hō'ai'ē pilikia. e ʻae ʻia no ka hōʻaiʻē. ʻO kēia kekahi o nā kumu nui e hoʻoholo ai inā hāʻawi ka mea hāʻawi iā ʻoe i kahi moraki.
Hiki iaʻu ke loaʻa i kahi moraki i ka makahiki 60?
Inā ʻoe e kipa i kahi pūnaewele hōʻaiʻē home, e ʻike ʻoe i nā kiʻi o nā ʻohana ʻakaʻaka a me nā hale nani i hele pū ʻia me nā kikokikona e like me ke kali ʻana o nā mea hāʻawi kālā e kōkua iā ʻoe e ʻimi i ka hōʻaiʻē kūpono iā ʻoe, ʻoiai ʻo kou kūlana.
ʻO ka ʻoiaʻiʻo, ʻo ka hōʻaiʻē ʻana i kēlā nui kālā he ʻoihana pilikia no nā panakō. I nā huaʻōlelo ʻē aʻe, ʻaʻole e hāʻawi nā panakō iā ʻoe i nā haneli haneli mau kālā ke ʻole lākou e maopopo hiki iā ʻoe ke uku iā lākou i ka manawa.
Inā ʻaʻole kiʻekiʻe kāu loaʻa kālā e hiki ai ke loaʻa i ka hōʻaiʻē āu e noi nei, hiki i kahi mea hoʻopaʻa inoa ke kōkua. Kōkua ka mea hoʻopaʻa inoa iā ʻoe no ka mea e hoʻokomo ʻia kāu loaʻa kālā i ka helu affordability. ʻOiai ʻaʻole noho ke kanaka me ʻoe a kōkua wale iā ʻoe e uku i kēlā me kēia mahina, e noʻonoʻo ʻia ka loaʻa kālā o ka mea hoʻopaʻa inoa e ka panakō. ʻOiaʻiʻo, ʻo ka mea nui e hōʻoia i kāu co-signer i kahi mōʻaukala hana maikaʻi, loaʻa paʻa, a me ka hōʻaiʻē maikaʻi.
ʻOiaʻiʻo, ʻaʻole pono ʻoe e hoʻohana i kahi cosigner e ʻae ʻia inā ʻaʻole lawa kāu kālā e uku ai i ka moraki i ka manawa. Eia nō naʻe, inā paʻa kāu loaʻa kālā a loaʻa iā ʻoe kahi mōʻaukala hana paʻa, akā ʻaʻole ʻoe i lawa no ka moraki, hiki i kahi cosigner ke kōkua.
