Noi i kahi molaki
Hiki i nā helu hōʻaiʻē ke lilo i kumuhana huikau no nā mea kūʻai ʻoi aku ka ʻike kālā. Hoʻomaopopo ka hapa nui o ka poʻe i ka helu ʻaiʻē maikaʻi e hoʻonui i kou manawa e loaʻa ai kahi moraki no ka mea e hōʻike ana i ka mea hāʻawi e uku paha ʻoe i ka hōʻaiʻē i ka manawa.
ʻO ia ke kumu e koi ai ka poʻe hāʻawi kālā i ka helu ʻaiʻē liʻiliʻi no nā hōʻaiʻē a lākou e hāʻawi ai. Akā ʻike ʻoe i ka helu ʻaiʻē liʻiliʻi āu e pono ai e kiʻi i kahi moraki a kūʻai i hale? A ua ʻike paha ʻoe he ʻokoʻa kēia liʻiliʻi ma muli o ke ʻano o ka moraki āu e ʻimi nei?
Ma keʻano laulā, pono ʻoe i ka helu ʻaiʻē ma ka liʻiliʻi he 620 i mea e loaʻa ai kahi hōʻaiʻē e kūʻai i hale. ʻO ia ka palena haʻahaʻa e koi ai ka nui o nā mea hāʻawi kālā no kahi hōʻaiʻē maʻamau. ʻO kēlā ʻōlelo, hiki nō ke loaʻa kahi hōʻaiʻē me ka helu ʻaiʻē haʻahaʻa, me ka helu o 500.
ʻO ka helu ʻaiʻē liʻiliʻi e pono ai e kiʻi i kahi moraki ma 2021 e pili ana i ke ʻano o ka moraki āu e makemake ai e kiʻi. ʻOkoʻa nā helu inā ʻoe e noi ana i kahi hōʻaiʻē Federal Housing Administration-insured, ʻoi aku ka maikaʻi o ka hōʻaiʻē FHA; hoʻokahi i hoʻopaʻa ʻia e ke Keʻena ʻOihana Veterans Affairs o ʻAmelika Hui Pū ʻIa, i ʻike ʻia he hōʻaiʻē VA; a i ʻole kahi hōʻaiʻē moraki maʻamau mai kahi hāʻawi pilikino.
Loaʻa ka loaʻa ʻana o kahi moraki me ka hōʻaiʻē maikaʻi ʻole
ʻO ke kūʻai ʻana i home ʻo ia ka ʻoihana kālā nui loa āu e hana ai, a inā like ʻoe me ka hapa nui o nā kānaka, pono ʻoe i kahi moraki e hana ai. ʻOiai ʻaʻohe mea hōʻoiaʻiʻo e loaʻa iā ʻoe ka moraki āu e makemake ai, aia kekahi mau ʻanuʻu e hiki ai iā ʻoe ke hana e lilo ai ʻoe i mea hoihoi i nā mea hāʻawi. E heluhelu no nā ʻōlelo aʻoaʻo maikaʻi loa e hoʻomaikaʻi i kou manawa e loaʻa ai kahi moraki.
Nānā ka poʻe hāʻawi kālā i kāu hōʻike hōʻaiʻē - he moʻokāki kikoʻī o kāu mōʻaukala aie - e hoʻoholo inā hiki iā ʻoe ke loaʻa i kahi hōʻaiʻē a me ka uku ukupanee. Ma ke kānāwai, hiki iā ʻoe ke loaʻa i hoʻokahi hōʻike hōʻaiʻē manuahi mai kēlā me kēia ʻoihana hōʻike hōʻaiʻē "nui ʻekolu"—Equifax, Experian, a me TransUnion—i kēlā me kēia makahiki. ʻehā mahina. (ma kahi o nā mea a pau i ka manawa hoʻokahi), no laila hiki iā ʻoe ke nānā i kāu hōʻike hōʻaiʻē a puni ka makahiki.
He manaʻo maikaʻi e nānā i kāu hōʻike hōʻaiʻē ma kahi o ʻeono mahina ma mua o kou hoʻolālā ʻana e kūʻai i kahi moraki, no laila e loaʻa iā ʻoe ka manawa e ʻimi a hoʻoponopono i nā hewa. Inā ʻike ʻoe i kahi hewa ma kāu hōʻike hōʻaiʻē, e kelepona i ka ʻoihana hōʻaiʻē i ka hiki ke hoʻopaʻapaʻa i ka hewa a hoʻoponopono ʻia. No ka maluhia o ka noʻonoʻo, e noʻonoʻo e hoʻohana i kekahi o nā lawelawe nānā ʻaiʻē maikaʻi loa e makaʻala i nā hana kānalua.
Hiki iaʻu ke loaʻa i kahi moraki?
Nā Kiʻi Getty Inā ʻoe e noʻonoʻo nei e kūʻai i hale, pono paha ʻoe e kiʻi i kahi moraki. He hana mua maikaʻi ke kūʻai ʻana a puni no ka moraki, akā ʻo ka noi ʻana a ʻae ʻia no ka moraki ka mea nui loa o ke kaʻina hana. ʻOiai he mea paʻakikī a paʻakikī hoʻi, me ka hoʻomākaukau kūpono, ʻo ka ʻae ʻia ʻana no ka moraki he mea maʻalahi loa ia. Nui nā kumu e pili ana i kāu ʻae ʻana i ka moraki a me ka nui o ka hōʻaiʻē hope. ʻOiai ʻaʻohe ala pōkole e loaʻa ai ka ʻae ʻia ʻana o ka moraki, hiki i kēia mau ʻōlelo aʻoaʻo ʻelima ma lalo nei ke hoʻonui i kou manawa e ʻae ʻia ai kāu moraki.
1. E nānā (a hoʻomaikaʻi) i kāu helu ʻaiʻē ʻO kāu helu ʻaiʻē he helu ma waena o 300 a me 900 e hōʻike ana i kou kūpono ʻaiʻē holoʻokoʻa. I kēlā me kēia manawa āu e uku lohi ai, e noi no ka hōʻaiʻē, a i ʻole ma kahi hōʻaiʻē, e kau nā keʻena hōʻike hōʻaiʻē i kāu mōʻaukala aie a hoʻohaʻahaʻa i kāu helu ʻaiʻē. Hōʻike ka helu kiʻekiʻe aʻe ua hoʻohiki ʻoe i ka uku ʻana i nā hōʻaiʻē i ka wā ma mua a no laila ʻoi aku ka liʻiliʻi o ka paʻa. Hōʻike kēia i nā mea hōʻaiʻē moraki e ʻoi aku paha ʻoe e uku i kāu hōʻaiʻē i ka manawa a makemake lākou e hāʻawi kālā iā ʻoe.
Na wai e hoʻoholo inā loaʻa iā ʻoe kahi moraki
ʻO ke kūʻai ʻana i home kekahi o nā hana kālā nui loa i ke ola, no laila ʻaʻole ia he mea kupanaha ʻo ke kālā kekahi o nā pilikia nui a ka poʻe kūʻai aku e ʻimi nei i kahi home hou. ʻOiai ʻo nā ʻāpana kālā o ke kūʻai ʻana i home hiki ke koʻikoʻi, ʻo ka nūhou maikaʻi aia nā ala e hiki ai iā ʻoe ke hana e hōʻoia i kahi kaʻina maʻalahi a me ka manaʻolana e hoʻomaikaʻi i kou manawa e ʻae ʻia no kāu hōʻaiʻē home.
Inā makemake ʻoe e mākaukau e hāʻawi i kahi hāʻawi ma kahi home i ka wā e hele ai ma ka mākeke, e noʻonoʻo ʻoe e ʻae mua ʻia a i ʻole ʻae mua ʻia i kāu huli home. ʻO ka loaʻa ʻana o kēia ʻae mua e kōkua iā ʻoe e neʻe wikiwiki i ka wā e loaʻa ai ka home kūpono. Eia kekahi, ʻo ia ka mea mua a ka luna e noi ai iā ʻoe ma mua o ke kōkua ʻana iā ʻoe i ka ʻimi hale. No laila ke hana nei ʻoe ma mua o kou kamaʻilio ʻana me kahi luna e hōʻike ana i kou koʻikoʻi e kūʻai a mākaukau e hoʻomaka e nānā i nā hale i kēia manawa.
Ma luna o ka hapakolu (35 pākēneka) o nā mea kūʻai i ʻae ʻia ma mua o ka hoʻohana ʻana i kahi luna, aʻo 50 pākēneka i kali a hiki i ka hoʻohana ʻana i kahi luna e ʻae ʻia. ʻO ka poʻe kūʻai e hoʻohana ana i kahi ʻelele e ʻae ʻia ma mua o ka poʻe hana ʻole me kahi ʻelele, e hōʻike ana he koi mua ka ʻae ʻia ʻana a i ʻole i ʻōlelo ʻia e kahi luna.
