Hiki iaʻu ke hoʻihoʻi hou inā ʻaʻohe oʻu hana?
Ua piha ka nūhou i nā moʻolelo o ka poʻe hāʻawi kālā i mea paʻakikī i kekahi poʻe ʻaiʻē e loaʻa nā hōʻaiʻē home. Akā ʻoiai he ʻoiaʻiʻo paha kēia, ʻaʻole pono e hōʻemi ʻia ka poʻe ʻaiʻē me nā kūlana kūʻokoʻa. Nui nā mea hāʻawi kālā e hana pū me nā mea hōʻaiʻē maʻamau e kōkua iā lākou e loaʻa nā moraki.
ʻO ka hoʻopunipuni, pono e hōʻike ka mea hōʻaiʻē i ka mōʻaukala o ʻelua mau makahiki o ka hana like ma nā hana āpau. E noi ka mea hāʻawi kālā i nā W2 a me nā hōʻoia mai nā mea hana a pau no nā makahiki ʻelua i hala aku nei, a e loaʻa paha iā ʻoe ka awelika ʻelua makahiki no kēlā me kēia kālā mai nā hana he nui.
ʻO ka mea a ka mea hāʻawi kālā e ʻimi nei, ʻo ia ka hiki o ka mea hōʻaiʻē e paʻa i nā hana he nui i ka manawa like. No laila ʻaʻole hiki iā ʻoe ke hele wale i waho a loaʻa kahi hana ʻelua i hoʻokahi mahina ma mua o kou noi ʻana i kahi moraki a manaʻo e kōkua ia iā ʻoe. ʻOiaʻiʻo, hiki iā ia ke hōʻeha iā ʻoe. ʻO ka lua o ka hana me ka ʻole o ka moraki e ʻike ʻia he pilikia i ka hana nui a ka mea noi, ʻo ia ka pilikia i kā lākou uku moraki i kēlā me kēia mahina.
No ka mea ʻaʻole ʻoe e hana i ka manawa o kāu noi moraki, hiki iā ʻoe ke ʻae i kahi moraki. Hōʻike nā mea a pau e hoʻi ʻo ia i ka hana i ka wā e hoʻomaka ai ke kau lawaiʻa a hiki ke hoʻomau i ka uku ʻana i nā uku mahina ʻoiai i nā kau haʻahaʻa.
Pehea e kūʻai ai i hale me ka hana ʻole a me ka hōʻaiʻē maikaʻi
Inā loaʻa iā ʻoe kahi hōʻaiʻē maʻamau - kākoʻo ʻia e Fannie Mae a i ʻole Freddie Mac - a ʻaʻole ʻoe he hana, pono paha ʻoe i ka hōʻoia o ka hana hou a me ka loaʻa kālā e hiki mai ana ma mua o kou hiki ke hoʻolilo hou i kāu hōʻaiʻē.
Eia naʻe, pono ʻoe e hoʻokō i ka lula mōʻaukala ʻelua makahiki. Inā hiki i kahi limahana manawaleʻa ke palapala i ka loaʻa mau ʻana o nā uku hana ʻole no ka liʻiliʻi ʻelua makahiki, hiki ke noʻonoʻo ʻia kēia i ka wā e noi ana i kahi moraki.
ʻOiai hiki ke hoʻonui ʻia ka loaʻa kālā ʻole i nā makahiki ʻelua i hala a me ka makahiki a hiki i kēia lā, pono ka mea hāʻawi e hōʻoia i ka loaʻa kālā mai kahi hana o kēia manawa ma ia kahua. ʻO ia hoʻi, pono ʻoe e hoʻolimalima i ka manawa āu e noi ai.
No ka hana ʻana, pono e hoʻomau ʻia kāu uku no ke kīnā o kēlā me kēia mahina—mai kāu kulekele ʻinikua kīnā lōʻihi a i ʻole Social Security—e hoʻomau ʻia no ʻekolu mau makahiki hou aʻe.
Eia hou, pono ʻoe e hōʻike e hoʻomau ʻia nā uku o kēlā me kēia mahina no ʻekolu mau makahiki. Pono paha ʻoe e hōʻike ua loaʻa mau ʻoe i nā uku no nā makahiki ʻelua i hala.
hana moraki
ʻO Carissa Rawson kahi loea kālā pilikino a me ka ʻike kāleka hōʻaiʻē i hōʻike ʻia ma nā puke he nui e like me Forbes, Business Insider, a me The Points Guy. Ua puka ʻo Carissa mai ke Kulanui Koa ʻAmelika a loaʻa iā ia kahi MBA mai ke Kulanui ʻo Norwich, he MA mai ke Kulanui o Edinburgh a ke ʻimi nei ʻo ia i MFA ma ke Kulanui National.
Ke ʻimi nei ka poʻe hāʻawi kālā i kahi hoʻopukapuka paʻa i ka wā e ʻae ai lākou i kahi moraki, no laila e alo ʻoe i nā koi palapala paʻa a me nā hoʻāʻo loaʻa kālā ma hope o kāu noi. No laila hiki iā ʻoe ke loaʻa kahi moraki me ka ʻole o kahi hana? ʻAe ka pane, akā pono ʻoe e hoʻokō i nā kumu ʻē aʻe no kēia hana.
Nui nā ʻano moraki i loaʻa no kēlā me kēia ʻano mea kūʻai. E ʻokoʻa nā koi kikoʻī e pili ana i ka hōʻaiʻē āu e ʻimi nei, akā ʻo ka loaʻa kālā he mau pae honua kūpono no ka ʻae ʻia. ʻO kēlā'ōlelo, hiki nō ke loaʻa ka moraki i ka wā ʻaʻohe hana; Hiki i nā panakō ke noʻonoʻo i nā ʻano hana kuʻuna ʻole o ke kālā ʻana i kāu hōʻaiʻē.
Moraki me ka 2 makahiki o ka moolelo hana
ʻO ka cosigner ka mea nāna i ʻaelike e uku i ka ʻaiʻē inā hōʻole ka mea noi. Hiki iā ia kekahi o kou mau mākua a i ʻole kāu hoa kāne. Pono lākou e hoʻolimalima a loaʻa ka waiwai nui.
Hiki ke loaʻa mai ka loaʻa passive mai ka waiwai hoʻolimalima a i ʻole kahi ʻoihana āu i komo ʻole ai. ʻO kekahi mau hiʻohiʻona o ka loaʻa passive he mahele, loaʻa hoʻolimalima, uku uku, alimony, a me nā mea ʻē aʻe.
Inā nalowale kāu hana, hiki iā ʻoe ke hoʻāʻo e hāʻawi i ka mea hāʻawi kālā i kāu mōʻaukala hana a hōʻike iā lākou ke ʻimi nei ʻoe i kahi hana. Pono ʻoe e hōʻike i nā kumu waiwai ʻē aʻe a i ʻole kahi waihona i mālama ʻia i mea hōʻoia e hiki iā ʻoe ke uku i nā uku.
“… Ua hiki iā ia ke loaʻa koke iā mākou a me ka haʻahaʻa haʻahaʻa loa i kahi hōʻaiʻē ma ka uku ukupanee maikaʻi ke haʻi mai kekahi iā mākou he paʻakikī loa ia. Pīhoihoi loa i kā lākou lawelawe a makemake nui i nā loea mortgage i ka wā e hiki mai ana "
“… ua maʻalahi lākou i ke kaʻina noi a me ka hoʻoponopono ʻana a me ke kaumaha ʻole. Hāʻawi lākou i ka ʻike maopopo loa a pane koke lākou i nā nīnau. Ua maopopo loa lākou ma nā ʻano āpau o ke kaʻina hana. "
