Pehea e loaʻa ai kahi hōʻaiʻē home me kahi hōʻaiʻē maikaʻi ʻole
ʻO nā huaʻōlelo a me nā wehewehe e pili ana i manaʻo ʻia e hāʻawi i kahi manaʻo maʻalahi a ʻike ʻole i nā huaʻōlelo a me nā ʻōlelo āu e ʻike ai ma kā mākou pūnaewele a ʻike ʻole paha iā ʻoe. ʻO ka manaʻo kikoʻī o kahi huaʻōlelo a ʻōlelo paha e hilinaʻi ʻia ma kahi a pehea e hoʻohana ʻia ai, ʻoiai nā palapala pili, me nā ʻaelike i pūlima ʻia, ka hōʻike ʻana o nā mea kūʻai aku, nā manual kulekele Polokalamu kūloko, a me ka hoʻohana ʻana i ka ʻoihana, e hoʻomalu i ke ʻano. ʻO nā huaʻōlelo a me nā wehewehe e pili ana ʻaʻohe hopena paʻa no nā kumu o kekahi ʻaelike a i ʻole nā hana ʻē aʻe me mākou. E hauʻoli ana kāu ʻelele Campus Housing Programs a i ʻole nā limahana o ka Loan Programs Office e pane i nā nīnau kikoʻī āu e loaʻa ai.
Papa Hoʻopaʻa Noi: He papa inoa kikoʻī o nā palapala e pono ai ka mea hōʻaiʻē a me ka pā kula e hāʻawi i ke Keʻena Polokalamu Loan no ka ʻae mua ʻana a i ʻole ka ʻae ʻana i ka hōʻaiʻē. ʻIke ʻia ʻo ia ʻo ka palapala OLP-09.
Automated Clearing House (ACH): He pūnaewele hoʻoili kālā uila e hiki ai ke hoʻololi pololei i ke kālā ma waena o nā waihona waihona kālā a me nā mea hāʻawi kālā. Loaʻa kēia hiʻohiʻona i nā mea hōʻaiʻē ʻaʻole i kēia manawa i ke kūlana uku hana.
Moraki home - deutsch
Ke manaʻo nei kēia e paʻa ana ʻoe i ka hōʻaiʻē no ka manawa holoʻokoʻa a hiki i ka wā e uku ʻia ai (i ka wā e uku ʻia ai ka uku hope) a me nā uku hōʻaiʻē i uku mua ʻia. ʻo ka ʻāpana "Nā helu hōʻaiʻē". ʻAʻole ʻoe e loaʻa i kahi hōʻike hoʻopau inā ua noi ʻoe no kahi moraki ma mua o ʻOkakopa 5, 3, a inā ʻoe e noi nei no kahi moraki hoʻohuli. No kēlā mau hōʻaiʻē, e loaʻa iā ʻoe nā ʻano ʻelua—ʻo ka HUD-2015 Settlement Statement a me kahi hōʻike hope ʻoiaʻiʻo-i-lending—ma kahi o ka hoʻopau ʻana. Inā ʻoe e noi ana i kahi HELOC, kahi hōʻaiʻē home i hana ʻia ʻaʻole i hoʻopaʻa ʻia e ka waiwai paʻa, a i ʻole he hōʻaiʻē ma o kekahi ʻano o nā papahana kōkua homebuyer, ʻaʻole ʻoe e loaʻa i kahi HUD-1 a i ʻole Hoʻolaha Hoʻopau, akā pono e loaʻa iā ʻoe kahi ʻoiaʻiʻo ma Hōʻike hōʻaiʻē.
Pehea e loaʻa ai kahi hōʻaiʻē home haʻahaʻa
Inā ʻoe he 62 a ʻoi paha - a makemake ʻoe i ke kālā e uku i kāu moraki, hoʻohui i kāu loaʻa kālā, a i ʻole uku no ka mālama ola kino - makemake paha ʻoe e noʻonoʻo i kahi moraki hoʻohuli. Hāʻawi ia iā ʻoe e hoʻololi i kekahi o ke kaulike ma kou home i ke kālā me ka ʻole e kūʻai aku a i ʻole e uku i nā bila o kēlā me kēia mahina. Akā e lawe i kou manawa: hiki ke paʻakikī ka moraki hoʻohuli a ʻaʻole kūpono paha iā ʻoe. Hiki i ka moraki hoʻohuli ke hoʻopau i ke kaulike ma kou home, ʻo ia hoʻi ka liʻiliʻi o nā waiwai no ʻoe a me kāu mau hoʻoilina. Inā hoʻoholo ʻoe e kūʻai a puni, e nānā i nā ʻano like ʻole o nā moraki hoʻohuli a kūʻai a puni ma mua o ka hoʻopaʻa ʻana i kahi ʻoihana.
Ke loaʻa iā ʻoe kahi moraki maʻamau, uku ʻoe i ka mea hāʻawi kālā i kēlā me kēia mahina e kūʻai i kou home i ka manawa. Ma kahi moraki hoʻohuli, lawe ʻoe i kahi hōʻaiʻē kahi e uku ai ka mea hāʻawi iā ʻoe. Lawe nā moraki hoʻohuli i kekahi o ke kaulike i loko o kou home a hoʻolilo iā ia i mau uku iā ʻoe, kahi ʻano uku hoʻohaʻahaʻa i ka waiwai o kou home. ʻO ke kālā i loaʻa iā ʻoe he ʻauhau ʻole. ʻO ka maʻamau, ʻaʻole pono ʻoe e uku i ke kālā inā lōʻihi ʻoe e noho ana ma ka home. Ke make ʻoe, kūʻai aku i kou home, a neʻe paha, pono ʻoe, kāu wahine, a i ʻole kāu waiwai e uku i ka hōʻaiʻē. I kekahi manawa ʻo ia ke kūʻai aku i ka hale e loaʻa ke kālā e uku ai i ka hōʻaiʻē.
ʻAiʻē FHA
Inā ʻoe e noʻonoʻo e pili ana i ka home a me ka noʻonoʻo pehea e hoʻomaka ai, ua hele mai ʻoe i kahi kūpono. Ma ʻaneʻi e uhi mākou i nā kumu kumu o nā moraki, me nā ʻano hōʻaiʻē, nā huaʻōlelo moraki, ke kaʻina hana kūʻai hale, a me nā mea hou aku.
Aia kekahi mau hihia e kūpono ai ka loaʻa ʻana o kahi moraki ma kou home inā he kālā kāu e uku ai. No ka laʻana, ua moraki ʻia nā waiwai i kekahi manawa e hoʻokuʻu kālā no nā hoʻopukapuka ʻē aʻe.
ʻO nā moraki nā hōʻaiʻē "hoʻopaʻa ʻia". Me kahi hōʻaiʻē i hoʻopaʻa ʻia, hoʻohiki ka mea hōʻaiʻē i ka mea hōʻaiʻē inā ʻaʻole lākou e uku. I ka hihia o ka moraki, ʻo ka mea hōʻoia ka hale. Inā ʻae ʻoe i kāu moraki, hiki i ka mea hāʻawi kālā ke lawe i kou home, ma kahi hana i kapa ʻia ʻo foreclosure.
Ke loaʻa iā ʻoe kahi moraki, hāʻawi kāu mea hāʻawi iā ʻoe i kahi kālā e kūʻai ai i ka hale. Ua ʻae ʻoe e uku i ka hōʻaiʻē - me ka ukupanee - i nā makahiki he nui. Hoʻomau nā kuleana o ka mea hāʻawi i ka home a hiki i ka uku piha ʻana o ka moraki. Loaʻa nā hōʻaiʻē piha piha i ka papa manawa uku, no laila e uku ʻia ka hōʻaiʻē ma ka hopena o kona kau.
