tilbakemelding
ʻO ka uku ʻole ʻana i kāu moraki hiki ke loaʻa nā hopena kālā koʻikoʻi, akā maʻamau ʻaʻole ʻoe e alo iā lākou i ka manawa āu e haʻalele ai i kāu uku moraki mua. Ma hope o nā mea a pau, makemake pinepine nā mea hāʻawi kālā iā ʻoe e noho i kā lākou mea kūʻai aku, ʻoiai inā he mōʻaukala ʻoe o ka uku ʻana i ka manawa. Eia nō naʻe, inā ʻike ʻia ʻaʻole hiki iā ʻoe a makemake ʻole paha e hoʻokō i kāu uku moraki, aia kahi kaʻina hana e hahai ai nā mea hāʻawi kālā e hiki ai ke kūʻai aku i kāu waiwai.
No laila, inā manaʻo ʻoe ʻaʻole hiki iā ʻoe ke uku i kāu moraki no hoʻokahi mahina, ʻoi aku ka maikaʻi o ka hoʻoikaika ʻana a hoʻopili i kāu mea hāʻawi kālā ma mua o ka manawa e ʻike inā hiki iā ʻoe ke hana i nā mea. Inā ʻaʻole ʻoe, aia kekahi mau hopena maʻamau e kū ai ʻoe no ka uku ʻole ʻana i kāu moraki.
Inā ʻaʻole ʻoe e uku i kāu moraki, e loaʻa iā ʻoe ka leka hoʻomaopopo ua lohi ʻoe a pono ʻoe e uku. Inā ʻaʻole hiki iā ʻoe ke uku koke, pono ʻoe e kelepona i kāu panakō e haʻi iā lākou i kou kūlana a ʻike i ka ʻaelike āu e hiki ai.
Ke hala kāu hoʻihoʻi ʻana he 14 mau lā, e hōʻike ka hapa nui o nā mea hōʻaiʻē i nā ʻoihana ʻaiʻē nui ʻekolu: Illion, Experian, a me Equifax. No ka mea, ʻo kāu mōʻaukala uku kekahi o nā kumu e hoʻoholo ai i kāu helu ʻaiʻē, inā ʻaʻole ʻoe e uku i kāu moraki, e pili ana paha kāu helu ʻaiʻē. Hiki i ka helu ʻaiʻē haʻahaʻa ke hoʻopilikia i kou hiki ke loaʻa kālā i ka wā e hiki mai ana.
He aha inā ʻaʻole hiki iā ʻoe ke uku i kāu moraki reddit
Ua kākau ʻo Miriam Caldwell e pili ana i ka waihona kālā a me nā kumu kālā pilikino mai ka makahiki 2005. Aʻo ʻo ia i ke kākau ʻana ma ke ʻano he kumu aʻo pūnaewele me Brigham Young University-Idaho, a he kumu no nā haumāna kula aupuni ma Cary, North Carolina.
He loea ʻo Peggy James i ka moʻohelu kālā, ʻoihana kālā, a me ke kālā pilikino. He mea helu helu lehulehu ʻo ia nona kāna keʻena helu helu ponoʻī, e lawelawe ana i nā ʻoihana liʻiliʻi, nā waiwai ʻole, nā mea kūʻokoʻa, nā manuahi, a me nā poʻe.
ʻOkoʻa ka hāʻule ʻana ma hope o kāu uku moraki mai ka uku ʻole ʻana i kāu hoʻolimalima, no ka mea hiki ke loaʻa ka hopena nui i kāu helu ʻaiʻē. Hiki iā ʻoe ke waiho i kou home i ka pōʻino inā ʻaʻole hiki iā ʻoe ke uku i ka aie. Eia nō naʻe, loaʻa iā ʻoe nā koho he nui: mai kahi ʻaelike hoʻomanawanui, hiki iā ʻoe ke hāʻawi i kahi manawa e hoʻoponopono ai i nā mea, i kahi palapala-i-lieu o ka paʻa ʻana inā ʻaʻole hiki iā ʻoe ke mālama i ke kūlana.
E hoʻokaʻaʻike koke i kāu hui moraki e ʻike inā loaʻa kekahi papahana e kōkua iā ʻoe. Hiki paha iā ʻoe ke hoʻemi i ka uku no ka manawa pōkole a i ʻole ka hoʻihoʻi kālā haʻahaʻa, ma muli o kou wahi e noho ai a inā paha ʻoe ma hope o kāu hōʻaiʻē.
He aha ka hopena inā ʻaʻole ʻoe e uku i kāu moraki ma mua o kou make ʻana?
ʻO ka ʻulaʻula a me ke keʻokeʻo ʻo “Foreclosure, house for sale” i mua o ka hale pōhaku a me ka hale lāʻau e ... [+] e paʻa ʻia ana e kahi hui kālā. Hōʻike ka mauʻu ʻōmaʻomaʻo a me nā lāʻau i ke kau o ke kauwela a i ʻole ke kauwela. ʻO ka lanai mua a me nā puka makani ma hope. Nā manaʻo o ke kaumaha o ka hoʻokele waiwai, ka emi ʻana a me ka banekorupa.
ʻO ka moraki kahi ʻaelike e uku i ka mea hāʻawi aku no ka hāʻawi ʻana iā ʻoe i ke kālā āu i kūʻai ai i ka hale. Ma ke kau inoa ʻana i nā palapala moraki i ka pau ʻana, ʻae ʻoe e uku i ka mea hāʻawi i kekahi kālā i kēlā me kēia mahina no kekahi mau makahiki.
Ke hōʻole ʻoe i kāu moraki, ke uhae nei ʻoe i nā ʻōlelo o ia ʻaelike a he kuleana ko kāu mea hāʻawi e hoʻopiʻi. I kēia hihia, ʻo ia ke kuleana e hoʻopaʻa i kou home e hoʻāʻo e hoʻihoʻi i kāu hoʻopukapuka.
Pono e hoʻomaopopo ʻia ua hoʻokuʻu kekahi mau mea hōʻaiʻē i nā hana foreclosure ma muli o ka Coronavirus. Eia naʻe, he manawa pōkole wale nō kēlā mau hoʻomaha. Inā ho'ōki ʻoe i ka uku ʻana i kāu moraki, hiki ke hoʻopaʻa ʻia.
Ua nalowale kaʻu hana a ʻaʻole hiki iaʻu ke uku i ka moraki
ʻO nā Home Equity Loans a me nā Home Equity Lines of Credit (HELOCs) nā ala kūpono e hoʻonui ai i ka waiwai o ka home no ka hoʻomaikaʻi ʻana, uku no ka hoʻonaʻauao ʻana, a me ka uku ʻana i nā kāleka aie a i ʻole nā ʻano ʻaiʻē ʻē aʻe me ka ukupanee kiʻekiʻe.
Hoʻopaʻa ʻia kēia mau mea hōʻaiʻē e kāu waiwai a ʻoi aku ka haʻahaʻa o ka uku paneʻe ma mua o nā hōʻaiʻē ʻole. Akā pehea inā ʻike ʻoe ʻaʻole hiki iā ʻoe ke uku i kāu HELOC a i ʻole ka hōʻaiʻē home equity?
Ma mua, ʻo ka ukupanee i uku ʻia ma kēia mau hōʻaiʻē e hiki ke unuhi ʻia. Eia naʻe, ma lalo o ka Tax Cuts and Jobs Act (TCJA), hiki ke unuhi wale ʻia ka ukupanee inā "hoʻohana ʻia kēlā mau hōʻaiʻē e kūʻai, kūkulu, a hoʻomaikaʻi nui paha i ka home o ka mea ʻauhau e hoʻopaʻa nei i ka hōʻaiʻē," e like me ka hōʻike ʻana e ka Tax Service. IRS).
ʻElua ʻano mea hana aie i hoʻohana ʻia no ka hoʻololi ʻana i ke kālā home i ke kālā i loaʻa. ʻO ka mua he hōʻaiʻē home equity (i kekahi manawa i kapa ʻia ʻo ka moraki ʻelua), ʻo ia ka nui o ke kālā i hoʻopaʻa ʻia no kekahi manawa (maʻamau ʻelima a ʻumikūmālima mau makahiki) ma ka uku panee paʻa a me ka uku paʻa.
