moraki Pukiki
NUI NO OE Hunaia i ka bila hoʻolauleʻa: He kauoha hoʻolālā hoʻomaha e hopu nui ʻia ma ke kahaha 7 ala e hiki ai i ka bila ʻauhau hou ke hoʻololi i ka hoʻolālā hoʻomaha.
Inā loaʻa iā ʻoe ke kūlana kamaʻāina, e mālama ka hapa nui o nā ʻāina i kāu noi e like me ke kamaʻāina. ʻO ia ke kumu e pono ai ʻoe e hōʻoia i kāu loaʻa kālā ma ke ʻano like me ke kamaʻāina kūloko, e like me ke noi ʻana i kahi hōʻaiʻē mai kahi panakō US. ʻO ke ʻano o ka loaʻa kālā e ʻae ʻia e ka panakō ʻaʻole ʻokoʻa wale nō mai kēlā ʻāina a i kēia ʻāina, akā, mai kahi panakō a i kahi panakō.
ʻO Farani kekahi o nā koho maikaʻi loa e pili ana i ke kālā kālā. I kēia manawa, hiki i kahi mea kūʻai haole ma kēia ʻāina ke loaʻa i kahi hōʻaiʻē a hiki i 80%, me ka lōʻihi o ka manawa a hiki i 25 mau makahiki a me ka uku panee ma lalo o 1,4%.
Eia kekahi, hoʻolilo ʻo HELOC iā ʻoe i mea kūʻai kālā mai ka manaʻo o ka mea kūʻai haole. Hāʻawi kēia iā ʻoe e hoʻohana i nā uku uku mua i hāʻawi ʻia a hoʻonoho iā ʻoe i kahi kūlana kūkākūkā maikaʻi.
ʻO ke kālā waiwai kūʻai honua
Kūʻai ka poʻe i ka waiwai ma nā ʻāina ʻē no nā kumu like ʻole: ma ke ʻano he hale hoʻomaha, e hoʻokomo i loko o ia mea, a i ʻole e hoʻolimalima paha e uku i ka moraki. ʻO nā kumu a pau, e alakaʻi kā mākou alakaʻi maʻalahi iā ʻoe i nā nīnau maʻamau e pili ana i kahi a pehea e loaʻa ai kahi moraki ma waho.
No ke kālā ʻana i kāu kūʻai, pono ʻoe i ka mea i kapa ʻia he 'moraki haole'. ʻAʻole hiki ke hoʻohana ʻia kahi huahana moraki UK no kahi home ma waho. Eia kekahi, he mea kakaikahi ka waihona kālā o UK e hōʻaiʻē kūʻē i ka waiwai ma kahi ʻāina ʻē, ʻoiai he mau lālā a me nā hana ma laila. ʻO ka pinepine, pono ʻoe e kiʻi i kahi moraki mai kahi mea hāʻawi kālā ma ka ʻāina āu i manaʻo ai e kūʻai. Eia naʻe, e hoʻomanaʻo ʻaʻole ʻae kekahi i nā noi mai ka poʻe ʻaʻole noho mau o ko lākou ʻāina.
Aia kekahi koho ʻekolu: inā ua laki ʻoe i ka loaʻa ʻana o ke kaulike ma kahi waiwai UK (e like me kou home maʻamau), he mea maʻamau ka remortgage e hoʻonui i ke kālā e uku ai i kāu waiwai hou ma waho.
ʻOi aku ka nui o nā waihona ma nā ʻāina ʻē aʻe ma mua o ka UK. ʻOiai ma ʻaneʻi hiki ke loaʻa i kahi moraki me kahi waihona o 5% a i ʻole 10%, ma waho paha e pono ke uku ma waena o 30% a me 40%, a ʻoi aku paha. No laila, ma muli o ke kumukūʻai o kou home hou ma waho, pono paha ʻoe e hoʻāla i kahi nui o ke kālā e waiho i lalo no kāu kūʻai.
moraki haole Helene
Eia nō naʻe, loaʻa iā ʻoe nā koho liʻiliʻi i ka loaʻa kālā ʻana i ka waiwai ma waho, inā makemake ʻoe e kūʻai i hale hoʻomaha, kahi waiwai hoʻopukapuka ʻoiai ke aʻo ʻana kāu keiki ma waho, a i ʻole kahi e hoʻomaha ai.
ʻO ka moraki haole kekahi moraki i lawe ʻia ma ka waiwai ʻaʻole i loko o kou ʻāina i noho ai. Hiki ke loaʻa mai kahi panakō kūloko a i ʻole mea hāʻawi kālā mai ka ʻāina āu e makemake ai e kūʻai. E pili ana ke ala i kou kūlana pilikino a me ke kālā, no laila he mea nui e hana ʻoe i kāu noiʻi. E noʻonoʻo i nā pono a me nā pōʻino o kēlā me kēia koho e kōkua iā ʻoe e hoʻoholo.
ʻO nā mea ʻē aʻe e noʻonoʻo e pili ana i nā kānāwai waiwai o nā ʻāina ʻē, nā lula ʻauhau, nā loli ʻana o ke kumukūʻai, nā palapala ʻae hale, kāu hoʻolālā puka inā hoʻoholo ʻoe e kūʻai aku, a me ka ʻinikua. Me nā kikoʻī a pau āu i kamaʻāina ʻole ai, he mea nui e koho i kahi panakō hōʻaiʻē e hoʻomaopopo i nā kānāwai kūloko a loaʻa ka ʻike honua ma ka ʻāina āu e makemake ai e kūʻai mai.
Eia nō naʻe, hiki ke paʻakikī loa ka loaʻa ʻana o kahi moraki ma waho, ʻoiai inā he haole ʻoe. A inā loaʻa iā ʻoe kekahi, ʻoi aku ka kiʻekiʻe o ka uku panee ma mua o kou kamaʻāina. Inā lawe ʻoe i kahi moraki me kahi mea hāʻawi kālā ʻē aʻe, e hana ʻia kāu uku ma kahi kālā ʻē, hiki ke kōkua iā ʻoe inā makemake ʻoe e hoʻokele i nā loli kālā.
hsbc panakō honua
Ua hoʻoholo māua me kaʻu wahine e kūʻai i hale ma ka hema o Farani. Loaʻa iā mākou ma kahi o ka hapalua o ke kālā e pono ai mākou, akā makemake mākou e hōʻaiʻē i ka hapa i koe, no ka mea hiki iā mākou ke uku me ke kālā a mākou e mālama ai i nā hoʻomaha ma nā ʻāina ʻē i kēia mua aku. Hiki iā mākou ke loaʻa kahi moraki ma kahi waiwai ma waho o UK?
ʻElua ala e loaʻa kālā ai ke kūʻai ʻana i kou home hoʻomaha ma waho ma o kahi hōʻaiʻē. ʻO kēlā me kēia hōʻaiʻē i hoʻopaʻa ʻia i ka waiwai āu e kūʻai nei, pono ia e lilo i moraki kūʻokoʻa o nā ʻāina ʻē, ʻaʻole ia he huahana maʻamau i loaʻa mai ka hapa nui o nā mea hōʻaiʻē moraki UK.
Hiki ke hoʻopaʻa ʻia kou home inā hoʻopaʻa ʻoe i kāu uku moraki. He kumukūʻai ko ka ʻōlelo aʻo moraki. E pili ana ka huina kiko'ī i kou kūlana a me ke ʻano o ka hōʻaiʻē i noi ʻia. ʻO ka uku haʻahaʻa a Smith & Pinching no ka ʻōlelo aʻoaʻo moraki he £700. ʻAʻole nā manaʻo i hōʻike ʻia ma kēia ʻatikala. No ka ʻike hou aku e kipa www.smith-pinching.co.uk
