Pehea e helu ai i ka loaʻa kālā rebate moraki
Ua ʻoi aku ka paʻakikī o ka loaʻa kālā o kēia mau kāne ma mua o ka mea maʻamau no ka loaʻa ʻana o kā lāua uku kumu, a me nā bonus, a ua kāohi kekahi o nā mea noi i nā ʻāpana waiwai (loaʻa RSU). Ua loaʻa iā lākou kahi waihona 15% a makemake lākou i kahi manawa moraki lōʻihi e hoʻohaʻahaʻa i nā uku o kēlā me kēia mahina.
Loaʻa i kā mākou mau mea kūʻai aku nā uku kumu kiʻekiʻe a me ka mōʻaukala o ka loaʻa kālā; ua noiʻi kā mākou luna i ka mākeke a loaʻa kahi mea hāʻawi kālā e hāʻawi ana i nā moraki uku 5,5x. ʻO kēia ka mea hiki iā lākou ke loaʻa i kahi moraki £ 1,2 me ka ʻole o ka hoʻohana ʻana i ka loaʻa kālā RSU.
No ka hoʻonohonoho ʻana i kahi hālāwai me kekahi o kā mākou mau ʻōlelo aʻoaʻo moraki, e hoʻopiha i kā mākou palapala noiʻi moraki a i ʻole ka nīnau nīnau a e kāhea hou mākou iā ʻoe. E ʻoluʻolu e hoʻomaopopo ʻoe ma ka waiho ʻana i kēia ʻike, ke ʻae nei ʻoe iā mākou e hoʻopili iā ʻoe ma ka waha e kūkākūkā i kāu pono moraki.
Hoʻoholo ʻoluʻolu ʻoe e hāʻawi iā mākou i kāu ʻikepili pilikino i ka wā e waiho ai i kahi nīnau. He hūnā kāu ʻike a mālama ʻia e like me nā koi palekana ʻikepili kūpono. E heluhelu i ke kulekele pilikino o Trinity Financial.
Moraki pa'a me ka ukupanee wale no
E kūʻai i kou hale i ka manawa hoʻopaʻa me kahi waihona mālama kālā i kākoʻo ʻia e ke Aupuni e 25%. ʻOi aku ka maʻalahi o ke kūʻai ʻana i kou home mua me ka Homebuyer Life Savings Account (LISA) mahalo i ka bonus lokomaikaʻi mai ke Aupuni. Eia hou, e uku mākou iā ʻoe i ka ukupanee ma ke ʻano he keu. A ma ke ʻano he bonus hou, ke mākaukau ʻoe e kūʻai i kou home, hiki iā ʻoe ke loaʻa ka ʻōlelo aʻo manuahi mai ka Mortgage Advice Bureau.
*ʻAʻole mākou e hoʻohiki iā ʻoe i ka mālama ʻana i ka 'Olumepika, no ka mea, pono ʻoe e wehe i kāu moʻokāki no 12 mau mahina ma mua o kou kūʻai ʻana i kou home mua e pale aku ai i ka 25% uku hoʻolimalima e ke Aupuni. E hoʻomanaʻo i ka kūʻai ʻana i home he marathon, ʻaʻole he sprint.
Inā ʻo kēia kou manawa mua e kūʻai ai i hale, ʻaʻole ʻoe i hele ma ke kaʻina hana kūʻai ma mua; ʻO ia ke kumu i hui pū ai mākou me ka Mortgage Advice Bureau. E kōkua kā lākou mau ʻōlelo aʻoaʻo iā ʻoe i kēlā me kēia hana o kāu huakaʻi, e ʻimi ana i nā tausani o nā moraki mai 90 mau mea hāʻawi ʻokoʻa e ʻike i ka ʻaelike kūpono no ʻoe. A ma ke ʻano he bonus hoʻohui, e loaʻa iā ʻoe ka ʻōlelo aʻoaʻo moraki manuahi ke mālama ʻoe i lawa e kūʻai ai i kou home mua.
Ua helu ʻia nā uku kālā i loaʻa no ka moraki?
Ua komo ʻo National Australia Bank Limited (“NAB”) i ʻaelike me Citigroup no ka loaʻa ʻana o ka ʻoihana panakō mea kūʻai a Citi ma Australia, ma muli o ka ʻae ʻana o ke kānāwai. Manaʻo ʻia ka hoʻololi ʻana ma Iune 1, 2022. E ʻoluʻolu e kipa i kā mākou FAQ no ka ʻike hou aku.
1. Ka helu hoʻohālikelike i helu ʻia ma kahi hōʻaiʻē o $150.000 me ka manawa o 25 mau makahiki ma muli o nā haʻawina mahina. 'Ōlelo Aʻo: Pili kēia ʻano hoʻohālikelike i nā hiʻohiʻona i ʻōlelo ʻia. Inā ʻokoʻa nā huina a me nā huaʻōlelo, ʻokoʻa nā ʻano hoʻohālikelike. ʻAʻole i hoʻokomo ʻia nā kumukūʻai, e like me ka hoʻihoʻi ʻana a i ʻole ka uku mua ʻana, a me ka mālama kālā, e like me ka hoʻokuʻu ʻana i ka uku, i ka helu hoʻohālikelike, akā hiki ke hoʻololi i ke kumukūʻai o ka hōʻaiʻē.
Nā Kūlana a me nā Kūlana o ka Bank of Ireland Cashback Mortgage
ʻO Manulife Bank Select kahi moraki kuʻuna e hiki ai iā ʻoe ke puʻunaue i kāu moraki i nā ʻāpana like ʻole, kēlā me kēia me kona nui ponoʻī, ka uku paneʻe, ka manawa a me ka papa hana uku. E aʻo hou e pili ana i Manulife Bank Select.
* ʻO ka Manulife One 5 makahiki paʻa subaccount insurable rate he 4,34% a e hoʻomaka ana i Mei 10, 2022. Pili ka uku i nā moraki pilikino hou i noho ʻia e ka mea nona ka hale me ka waiwai ma lalo o 1 miliona mau kālā, e kū pū ana i nā koi insurability hou. . Hoʻohui ʻia ka ukupanee i kēlā me kēia hapalua makahiki, ʻaʻole ma mua. Ma muli o ka ʻae ʻana i ka ʻaiʻē. E kelepona mai iā mākou no nā ʻōlelo a me nā kūlana o ka hāʻawi kūikawā. He polokalamu ho'ēmi hoʻemi kēia. ʻO ka pākēneka 5 makahiki i paʻi ʻia he 5,09% a ʻo kēia ka lā 25 o Mei 2022. Hiki ke hoʻololi ʻia nā kumukūʻai āpau. ʻAʻole kūpono: nā helu kūlana lua; he olokaa mai ka lua a i ke kulana mua; ka hoʻoili ʻia ʻana o kahi Manulife One i kēia manawa i ka mana hou; he hoʻonui a hoʻololi paha i kahi moʻokāki Manulife One e kū nei; ka hoʻoili ʻana mai kahi moraki Manulife Bank e kū nei; Manulife Bank Select, Manulife One for Business, Manulife Commercial Amortizing Mortgage, Manulife One Equity Advantage programs, nā polokalamu hōʻaiʻē ʻoihana liʻiliʻi a me nā polokalamu hōʻaiʻē waiwai waiwai.
